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This page was last updated September 2018

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Fair Credit Lenders in Houston TX

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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

Fast Loan Pre-App Method
Accessing Bad Credit Lender Pool (?)

Learn about GAP (Gift Angel Program)

 

Houston TX Lender Service Area Map

Houston Bad Credit Lenders Map - Initial Static Image

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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.

  1. Rice
  2. Montrose
  3. Downtown
  4. Far North
  5. Spring Branch

San Jacinto Monument Near Houston Texas: Licensing/Credit

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

Houston Credit Counsellors Map - Initial Static Image

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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 Assistance Programs

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

  • Bad credit scores below FICO 650
  • 200+ lenders review your pre-application(s)
  • Applying does not worsen your credit score
  • Interest rates starting as low as 9% (cs)
  • Collateral not always required
  • Funding between 24 hours and 5 days
  • Terms from 6 months to 10 years
  • Borrow between $500 and $50,000
  • Loans for people with 650+ credit scores
  • 500+ lenders can review your application
  • Interest rates starting as low as 7% (cs)
  • Fast approvals and fast funding
  • Line of credit approvals with reasonable APR
  • Borrow between $500 and $150,000
  • Lenders who provide bad credit consolidation
  • Debt settlement or debt relief services
  • 300+ lenders can review your application
  • Interest rates starting as low as 7% (cs)
  • Seamless approval and funding process
  • Debt relief counseling available
  • Borrow form $5000 - $150,000

 

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