Laredo TX
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This page was last updated July 2018

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Fair Credit Lenders in Laredo TX

Lenders: contact us for listing removal.

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Tex-Mex Credit Union
1420 Cedar Ave, Laredo, TX 78040
www.tmcu.com
956.722.1032

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South Texas Regional FCU
220 W Hillside Rd, Laredo, TX 78041
www.strfcu.com
956.723.0363

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Laredo Federal Credit Union
7114 McPherson Rd, Laredo, TX 78041
www.laredofcu.org
956.722.3971

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Bank of America
5313 San Dario Ave, Laredo, TX 78041
locators.bankofamerica.com
956.728.9208

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Chase Bank
1920 Bob Bullock Loop, Laredo, TX 78043
locator.chase.com
956.717.3100

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IBC Bank
2415 S Zapata Hwy, Laredo, TX 78046
www.ibc.com
956.726.6611

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Texas Community Bank
6721 McPherson Rd, Laredo, TX 78041
tx-communitybank.com
956.722.8333

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Laredo Fire Department Federal CU
5002 Tesoro Plaza, Laredo, TX 78041
laredofirecreditunion.com
956.722.7841

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Laredo Federal Credit Union
1119 Corpus Christi St, Laredo, TX 78040
laredofcu.net
956.722.3971

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Bad Credit Loan Form for Laredo TX

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Laredo TX Lender Service Area Map

Lender Lists for Other Texas Cities

Houston TX / San Antonio TX / Dallas TX / Fort Worth TX

Laredo TX 5x5 Loan App Volume

Top 5 Laredo neighborhoods for loan application volume in the last 5 months. Source: WFL Lender Pool. Updated Monthly. See all Texas personal loan volume data.

  1. East Laredo
  2. Summerwind North
  3. Escondido
  4. El Cuatro
  5. Rancho Viejo

Installment Loan in Laredo TX

Lyn’s home was damaged in a recent storm. Between the wind and the rain, her home experienced over $45,000 in damages to windows, floors and furniture.

Fortunately for Lyn, she also had home insurance which is covering all of the damage.

She was initially devastated at the damage that was caused. However now that she has met with the insurance adjuster and made a few plans herself, she is feeling much better about the entire situation.

Her home will be brought back to what it was before the storm. Home insurance is expensive for Lyn and she was actually considering reducing coverages.

She is really glad that she did not reduce coverage or she would need to borrow a lot more than $8500.

She would like to take out an installment loan to help pay for up grades to her home that the insurance will not cover. For example, she wants new appliances.

Her current appliances were not damaged in the storm. Her insurance is paying for the majority of the floor replacement, however there are two bedrooms that were not damaged.

She would like to up grade the flooring in those rooms to compliment the rest of her home. They will also be repainted along with the rest of the interior of the home.

Her installment loan will also cover some new landscaping around her yard including a privacy fence she wants to install.

Lyn needs $8500 to pay for this extra work which she is planning to have completed at the same time all of the other work is being completed.

She will have a brand new home in a few months. A $8500 loan with a four-year term and 5% interest rate for Lyn would cost her the following per month:

• Loan Amount (principal) = $8500
• Interest Rate = 5%
• Term Length = 4 year
• Monthly Payment = $195.75
• Total Paid Back = $9395.95
• Total Interest = $895.95

Lyn can easily afford the monthly payments for this installment loan. She was approved relatively quickly for her loan and now she can really plan and get going with all of the repairs and upgrades she is planning.

Lyn had a good credit rating and little other debt so her loan application was easily approved.

As with all large projects, there are surprises along the way and scope change that tends to creep in.

They found that the foundation needed some repairs which is not covered by insurance. She will need to pay for these repairs herself which will have to come from the funds from the installment loan.

She decided to cut back on the landscaping to almost nothing to free up sufficient funds to cover the repairs for the foundation and some other changes that she added.

Lyn wanted to move a wall to open up her kitchen and make it much larger. This will add $650 more in renovation charges that she will have to pay for herself.

This cost must also come from the installment loan and contributed to her planned reduction in landscaping. She might have applied for a larger loan, however she decided to stick to her original budget. Good for Lyn.

If you live in Laredo TX and you need a loan regardless of a bad credit rating we hope our website helps you in some way.

Sincerely,

Lance Somerset

Lance Somerset founded the We Find Lenders Pool. He writes for WFL on rare occasions just for the fun of it, and to stay current with the content on our website. His son Andy and daughter Chris handle most of the research and writing.

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Employment & Education Advancement Opportunities in Laredo TX

If you live in Laredo and you're struggling to make ends meet, you may want to consider these ideas.

Job Upgrade: Indeed / Monster

Education Advancement: College / University

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Credit Counseling In Laredo TX

H&H Credit Repair Services
107 Calle Del Norte Dr #1c, Laredo, TX 78041
www.handhcreditrepair.com
956.509.0872

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Elite Credit Center
6999 McPherson Rd #211D, Laredo, TX 78041
elite-credit-center.business.site
956.337.9326

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Laredo Credit Advisors
1505 Calle Del Norte Dr #405, Laredo, TX 78041
956.568.9149

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Acceptance Credit Care Llc
1401 Calle Del Norte Dr #4, Laredo, TX 78041
www.acceptancecreditcare.com
956.462.6032

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Usury and Regs. Governing Laredo TX

Usury Law(s) pertaining to Laredo 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 Laredo 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
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  • 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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