Odessa TX
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This page was last updated September 2018

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Fair Credit Lenders in Odessa TX

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Southwest 66 Credit Union
4041 E 52nd St, Odessa, TX 79762
www.southwest66.com
432.363.6600

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First Basin Credit Union
4217 N Grandview Avenue
Odessa, TX 79762
www.firstbasin.com
432.333.5600

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Southwest Heritage Credit Union
2809 John Ben Shepperd Parkway
Odessa, TX 79762
southwestheritagecu.com
432.367.8993

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First Basin Credit Union
2740 N County Road West
Odessa, TX 79764
www.firstbasin.com
432.333.5600

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Southwest 66 Credit Union
1315 W University Boulevard
Odessa, TX 79764
www.southwest66.com
432.363.6600

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Bank of America
700 N Grant Ave, Odessa, TX 79761
locators.bankofamerica.com
432.335.7200

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Chase Bank
3800 E 42nd Street
Odessa, TX 79762
locator.chase.com
432.368.8200

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SouthWest Bank- Odessa
600 W 8th St, Odessa, TX 79761
www.southwbank.com
432.582.2622

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Wells Fargo Bank
2501 W University Boulevard
Odessa, TX 79764
www.wellsfargo.com
432.653.5808

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Bad Credit Loan Form for Odessa TX

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Odessa TX Lender Service Area Map

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Lender Lists for Other Texas Cities

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

Odessa TX 5x5 Loan App Volume

Top 5 Odessa neighborhoods for loan application volume in the last 5 months. Source: WFL Lender Pool. Updated Monthly.

  1. Odessa North Bowie
  2. Chapparal Estates
  3. Permian West
  4. Nourth East
  5. Dorado Ranch

Odessa College Sign: Licensing/Credit

Personal Loan in Odessa TX

Kirsten has been invited to go on a trip to Australia with her girlfriends.

They want to go for two weeks and experience life down under, visit the sunshine coast, learn to surf and visit some of the beach towns along the coast.

It sounds like a fantastic trip and she knows she will have a lot of fun with her friends. It is a long way to travel but she is ready for a vacation and why not go somewhere really different?

The problem for Kirsten is that she does not have sufficient savings to pay for the trip.

She has some money set aside, but she is afraid to charge the difference to her credit card. She knows that unless she finds a loan, the balance on her credit card will carry over past the due date on her bill.

When that happens, the interest charged will be somewhere around 19%. She cannot afford to pay all of this interest and would like to arrange a low interest loan before she commits to the trip.

She will still charge the trip to her credit card. She receives travel points on her card so she will redeem some of these points to help pay for her trip.

When she receives her credit card statement she wants to have the loan already arranged so she can pay the balance in full and not incur any additional interest at high rates.

She feels that she needs a $4500 personal loan to cover the expenses associated with her trip.

A $4500 loan with a two-year term and 4% interest rate for Kirsten would cost her the following per month:

• Loan Amount (principal) = $4500
• Interest Rate = 4%
• Term Length = 2 year
• Monthly Payment = $195.41
• Total Paid Back = $4689.89
• Total Interest = $189.89

Kirsten is definitely taking the right approach. She will be able to go on her trip with the confidence that she has all of her finances worked out and arranged.

If she were to leave the balance on her credit card and repay it over two years with a 19% interest rate, her loan would cost her $944 in interest.

By arranging for this personal loan, she is going to save over $700 in interest costs alone.

She has asked for a 2-year term to repay the loan. This is reasonable and she will likely be approved for the loan, once she provides additional information to support her income statements.

Kirsten is really looking forward to her trip. Depending on how well she sticks to her budget for the trip she could even need less money than she plans.

She can always repay her personal loan more quickly if she has money left over or has surplus cash.

Not only will she reduce the interest she is paying, she will also improve her credit rating by taking on a loan and repaying it ahead of time.

The group is ready to leave in a few weeks and get away on this once in a life time vacation.

If you live in Odessa 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 Odessa TX

If you live in Odessa 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 Odessa TX

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Odessa Credit Counseling
Odessa, TX 79761
432.332.1090

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Consumer Credit Counseling Services
(near Odessa TX)
Midland, TX 79701
www.consumercredit.com
432.685.1809

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Credit Firm Inc
(near Odessa TX)
1309 N Big Spring Street
Midland, TX 79701
creditfirminc.com
432.599.4880


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Federal Resources

FTC Budget PDF / USA.GOV Debt Info

Odessa Assistance Programs

Food Bank: West Texas Food Bank / Address: 411 S Pagewood Avenue, Odessa, TX 79761 / Phone: 432.580.6333

Hot/Cold Meals: Jesus House Odessa / Address: 1335 East 6th Street, Odessa, TX 79761 / Phone: 432.272.3362

Shelter In Case of Eviction: Door of Hope Mission / Address: 200 West 1st Street, Odessa, TX 79761 / Phone: 432.337.8294

Social Assistance Programs: Texas Health & Human Services Commission / Address: 3016 Kermit Highway, Odessa, TX 79764 / Phone: 432.333.5141

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Usury and Regs. Governing Odessa TX

Usury Law(s) pertaining to Odessa 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 Odessa 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)
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  • Debt relief counseling available
  • Borrow form $5000 - $150,000

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