Lenders: contact
us for listing removal.
Greater Texas
Credit Union
5305 Bingle Road, Houston, TX 77092
www.gtfcu.org
713.895.8659
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First Service Credit Union
8980 Clearwood Drive, Houston, TX 77075
www.fscu.com
713.676.7777
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Texas Bay Credit Union, South Shore
Branch
6640 South Shore Boulevard, League City, TX 77573
www.texasbaycu.org
713.852.6700
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Tradition Bank
550 Pin Oak Road, Katy, TX 77494
www.prosperitybankusa.com
281.391.6400
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Vista Bank Texas
1415 Louisiana St #400, Houston, TX 77002
www.vbtexas.com
713.210.7600
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Green Bank
8611 Memorial Drive, Houston, TX 77024
www.greenbank.com
713.316.7080
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Amegy Bank
10701 W Bellfort B.100, Houston, TX 77099
www.amegybank.com
713.232.5888
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International Bank
Bellaire Boulevard, Houston, TX 77072
www.inbweb.com
832.638.9337
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Independence Bank
1455 West Loop S #150, Houston, TX 77027
www.independent-bank.com
832.615.6873
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Bad Credit
Loan Form for Houston TX
Houston TX
Lender Service Area Map
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for larger interactive map.
Lender Lists for Other
Texas Cities
San
Antonio TX / Dallas
TX / Austin
TX / Fort
Worth TX / El
Paso TX
Houston TX
5x5 Loan App Volume
Top 5 Houston neighborhoods
for loan application volume in the last 5
months.
Source: WFL
Lender Pool. Updated
Monthly.
Bad Credit Loan Example In Houston
TX
Raymond purchased new appliances and furniture for
his home from one of the big box stores in the city to replace everything
that was destroyed in the recent floods.
He was able to get a great deal and saved over $2000
on the total purchase by taking out a store credit card. They offered
this deal to sign up a new customer to the store credit plans they offer.
What he did not realize at the time was that the interest
rate on any balance he carries on the new store credit card will be
as high as 29%.
This is pretty typical of many store based credit cards. They offer
a great deal on the initial purchase as long as you charge the entire
purchase to this credit card.
The store is hoping that you will also not be able to pay the entire
balance when the statement arrives. If you carry any balance past the
due date the 29% interest is charged on this balance.
This approach also applies to deals such as no payments for 6 months
etc. Once the six months if over, if you do not pay the entire amount
in full before the due date interest is charged from the initial date.
A hefty interest charge that takes many people by surprise.
Raymond wanted to borrow $5000 as a personal loan to avoid paying these
high interest charges.
A $5000 personal loan with a five-year term and 7.5% interest rate for
Raymond cost him the following per month:
• Loan Amount (principal) = $5000
• Interest Rate = 7.5%
• Term Length = 5 year
• Monthly Payment = $100.09
• Total Paid Back = $6011.38
• Total Interest = $1011.38
At $100.09 a month this personal loan was quite affordable for Raymond
and he only will pay a total of $1011.38 in interest if he takes the
full five years to repay this loan.
He saved $2000 by taking the store credit card, so his net savings after
this loan is $988.62, which is still a good deal for him. Raymond plans
to repay the loan much more quickly than the full 5 years, saving even
more money.
By comparison, if Raymond stayed with the store credit card, his monthly
payment would have been $158.71 and the total cost of the loan would
have been $4522.56 over five years. This is a huge interest cost and
Raymond would not have saved any money on his purchase.
Raymond obviously made the right decision to apply for a personal loan
and pay off his store credit card. He is busy repaying this loan and
fully expects to repay the loan in less than three years.
He is working full time helping with the reconstruction work after the
floods. He is enjoying his new furniture and has also recently completed
repairs to his home.
Although his home was flooded, it did not suffer wind damage. All of
the furniture needed to be replaced along with flooring and the first
two feet of drywall to avoid mold and other contamination. This $5000
personal loan really helped him settle into his home and saved him a
lot of money at the same time.
If you live in Houston TX and
you need a loan regardless of a bad credit rating we hope our website
helps you in some way.
Sincerely,
Chris Somerset

Chris
Somerset is the daughter of Lance Somerset who founded the We
Find Lenders Pool. She contributes to WeFindLenders.com whenever
she's not having fun with her three children and her husband Ron.
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Employment & Education Advancement
Opportunities in Houston TX
If you live in Houston and you're struggling
with making ends meet, you may consider advancing your education and/or
finding a higher paying job. We've provided some links here to help
with that.
Job Upgrade: Indeed
/ Monster
Education Advancement:
College / University
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Credit Counseling
In Houston TX
Tap image
for larger interactive map.
Credit CRB Houston
1302 Waugh Drive Ste 800, Houston, TX 77019
(855) 291-7557
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AAA Credit Services
17041 El Camino Real, Houston, TX 77058
(281) 282-0447
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New Clarity Credit Repair
12406 Silversmine Drive, Houston, TX 77014
(832) 493-4354
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Houston Credit Coach
5109 Dartmoor Ridge TRL, Houston, TX 77066
(281) 888-8457
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Federal Resources
FTC
Budget PDF / USA.GOV
Debt Info
Houston Non-Profit Services
Food Bank: Houston Food
Bank / Address: 535 Portwall Street, Houston, TX 77029 / Phone: 713.223.3700
Hot/Cold Meals: Loaves
& Fishes / Address: 2009 Congress Avenue, Houston, TX 77002 / Phone:
832.987.8302
Shelter In Case of Eviction:
The Life Center for the Homeless / Address: 4516 Old Yale Street, Houston,
TX 77018 / Phone: 713.750.9565
Social Assistance Programs:
Harris County Social Services / Address: 9418 Jensen
Drive, Houston, TX 77093 / Phone: 713.696.7900
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Usury and
Regs. Governing Houston TX
Usury Law(s) for Houston TX / Legal:
6% Contract: Limit is calculated as per the median (avg.) twenty-six
month United States T-Bill amounts times two. However, it can't be
lower than eighteen percent or over twenty-four percent. Judgment:
calculated as per the fifty-two week T-Bill
but never less than five percent or higher than twenty percent. Complete
usury law for Texas see
§306
and §303
/ for Texas residents
with bad credit or fair credit who want to submit
a loan application
If you believe any Houston Texas
based lender is using predatory lending tactics, you can file a complaint:
Texas Department of Savings and Mortgage and Lending / Physical mailing
address is 2601 N. Lamar, Suite #201, Austin, TX 78705 / Toll free: 1-877-276-5550
/ Fax: 512-936-2003 / Online
complaint form / See full
list of ways to file a complaint against a lender in Texas
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WFL Loan Product
Menu
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below FICO 650
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- Borrow form $5000 - $150,000
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