Lubbock TX
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This page was last updated July 2018

Commentary is for informational purposes only. See legal disclaimers here.

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Fair Credit Lenders in Lubbock TX

Lenders: contact us for listing removal.

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Alliance Credit Union
8401 Quaker Ave, Lubbock, TX 79424
alliancecutx.com
806.798.5554

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WesTex Federal Credit Union
7802 Indiana Ave # 103
Lubbock, TX 79423
wtfcu.com
806.784.0098

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Texas Tech Federal Credit Union
1802 Texas Tech Pkwy, Lubbock, TX 79409
www.texastechfcu.org
806.742.3606

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Lubbock National Bank
4811 50th St, Lubbock, TX 79414
www.lubbocknational.com
806.792.1000

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Platinum Bank
6502 Slide Rd Ste 110, Lubbock, TX 79424
platinumbanktexas.com
806.792.5300

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Peoples Bank
3801 34th St, Lubbock, TX 79410
peoplesbanktexas.com
806.771.0045

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First Capital Bank of Texas
6811 Indiana Ave, Lubbock, TX 79413
www.fcbtexas.com
806.793.4778

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Lubbock Telco Fed Credit Union
2802 York Ave # D, Lubbock, TX 79407
www.lubbocktelcofcu.com
806.797.8044

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Lubbock Teachers Fed CU
1628 19th St #222E, Lubbock, TX 79401
www.lubbockteachersfcu.com
806.744.8704

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Bad Credit Loan Form for Lubbock TX

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Lender Lists for Other Texas Cities

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Lubbock TX 5x5 Loan App Volume

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

  1. Kings Park
  2. North by Northwest
  3. University Pines
  4. Bowie
  5. Northridge

Signature Loan in Lubbock TX

Dave’s best friend is getting married and Dave wants to be at the wedding.

In fact, he is the best man. He is really excited about going and he also plans to take his current girlfriend who he also plans to marry at some point in the future.

No date has been set. Dave is finding it financially difficult to make this work.

He has to pay for plane tickets to fly to California from Texas for the wedding. He will be there for three or four days staying in a hotel with all of the associated expenses.

Then there is the wedding gift, a dress for his girl friend and suddenly the expense of attending this wedding is a lot more than he expected or saved for.

Bottom line is that he needs a loan to help pay for the trip and the attendance at his best friends wedding.

Dave has some savings that he can draw on, however he really would like to borrow $1500 to ensure that he has sufficient money to deal with all of the expenses he anticipates associated with going to this wedding.

He plans to charge most of the expenses to his credit card and then use the loan to pay the statement balance when it comes due.

A $1500 loan with a one-year term and 5% interest rate for Dave would cost him the following per month:

• Loan Amount (principal) = $1500
• Interest Rate = 5%
• Term Length = 1 year
• Monthly Payment = $128.41
• Total Paid Back = $1540.93
• Total Interest = $40.93

Dave should have no problem meeting the loan repayment terms. He wants to repay the loan over a 12-month period with monthly payments of $128.41 a month which is very affordable.

The interest rate is much lower than what he might pay on his credit card.

Dave’s challenge will be in sticking to the budget he has set for this wedding. It is pretty easy to spend more money than planned when travelling and staying in hotels.

There will also be surprises or costs that he did not plan for. Either way, Dave will need to figure this out and be prepared to pay the difference if there is one.

He does not need the funds right away. The wedding is next month and since he will charge everything to his credit card he will have another 10 to 20 days before he needs to pay his credit card balance.

This all depends on when he charges items to his card and when his billing date is actually scheduled.

The loan is approved for Dave and he will receive the funds whenever he needs them. All he will have to do is call to make final arrangements.

Assuming nothing has changed from what he reported on his application the loan would be approved and funds transferred to his bank account with 24 to 48 hours.

If he can meet all of the terms of the loan and repay it on time, his credit rating should actually improve slightly to reflect his loan application and repayment record.


If you live in Lubbock 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 Lubbock TX

If you live in Lubbock 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 Lubbock TX

Mr. Credit Solutions
7412 University Ave #3
Lubbock, TX 79423
www.mrcreditsolutions.com
806.368.9945


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Consumer Credit-Budget/Finance
1220 Broadway St, Lubbock, TX 79401
806.762.3433

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TWS Credit Repair of Lubbock
8212 Ithaca Ave, Lubbock, TX 79423
806.535.3677

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Usury and Regs. Governing Lubbock TX

Usury Law(s) pertaining to Lubbock 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 Lubbock 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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