Plano TX
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This page was last updated November 2018

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Fair Credit Lenders in Plano TX

Lenders: contact us for listing removal.

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Credit Union of Texas
7801 Coit Rd, Plano, TX 75024
cutx.org
972.263.9497

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InTouch Credit Union
2201 McDermott Rd, Plano, TX 75025
www.itcu.org
800.337.3328

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Texans Credit Union
2213 McDermott Rd, Plano, TX 75025
www.texanscu.org
972.348.3170

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Texans Credit Union
101 W Spring Creek Pkwy #733, Plano, TX 75023
www.texanscu.org
972.348.2710

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Regions Bank
4020 Preston Rd, Plano, TX 75093
www.regions.com
800.734.4667

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Legacy Texas Bank
1573 Alma Dr, Plano, TX 75075
www.legacytexas.com
972.461.1300

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Green Bank
5224 W Plano Pkwy, Plano, TX 75093
www.greenbank.com
972.407.3660

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American National Bank of Texas
1101 E Plano Pkwy, Plano, TX 75074
www.anbtx.com
972.309.0001

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Chase Bank
551 E 15th St, Plano, TX 75074
locator.chase.com
972.424.6836

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Prosperity Bank
7400 Preston Rd, Plano, TX 75024
www.prosperitybankusa.com
469.229.9334

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Bad Credit Loan Form for Plano TX

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Plano 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

Plano TX 5x5 Loan App Volume

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

  1. Heatherwood
  2. Ridgeview Park
  3. Hills at Prestonwood
  4. Plano Park
  5. Parkway Heights

Moore House in Plano Texas: Licensing/Credit

Bad Credit Loan in Plano TX

Brian is about to lose his home in foreclosure and is looking for a $3500 loan to help him keep it. Normally it is pretty difficult to find a lender to help in a situation like this.

Brian has a bad credit rating. He is behind in his payments to the mortgage company and he lost his job 6 months ago.

He just started another job which actually pays better than his old job. His first paycheck will be next week.

He and his wife have used up all of their savings and cannot even meet this month’s mortgage payment.

They are in a really tough spot and will lose their home unless they can come up with some cash to pay what they owe the mortgage company.

He needs to pay three months of mortgage payments, and the utilities. A small loan of $3500 will help him do that and then he will be making enough money again to cover all of his regular payments again including this monthly loan.

A $3500 loan with a three-year term and 9% interest rate for Brian would cost him the following per month:

• Loan Amount (principal) = $3500
• Interest Rate = 9%
• Term Length = 3 year
• Monthly Payment = $111.30
• Total Paid Back = $4006.77
• Total Interest = $506.77

Brian was actually very fortunate to find a lender to help him out at a decent interest rate as well. He got his loan approved and promptly repaid the mortgage company what he owed them.

He was able to forestall foreclosure at the last minute and keep his home.

Many people end up in situations like the one Brian did and find themselves needing to do something to keep their home and avoid moving.

They have exhausted their savings and feel they have no where to turn. Money is extremely tight and even if they have a job they may still lose their homes.

Lenders are also in the business of lending money and making a profit. They will take risk, however if they perceive the risk to be high, they either will not approve the loan or they charge really high interest rates to compensate for the risk they have perceived.

Consumers like Brian get caught in the middle. If they allow their credit ratings to suffer, they are considered high risk customers and will pay higher interest rates for loans and mortgages unless there are mitigating circumstances.

Brian was lucky, he had just started a new job that paid well which considerably lowered his risk profile. Although the interest rate was still high, he did receive approval for the loan which rescued him from foreclosure.

It will take a few years before Brian can recover his credit rating to the level it was before he lost his job six months ago. In his case, it only took six months to lose a good credit rating and will take at least three to four years for him to recover his credit rating to what is formerly was.


If you live in Plano 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 Plano TX

If you live in Plano 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 Plano TX

Plano Credit Counsellors Map - Initial Static Image

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Finiv Credit Counseling
1255 W 15th St #300
Plano, TX 75075
www.finivcredit.com
866.290.4949

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GreenPath Financial Wellness
900 18th St, Plano, TX 75074
www.greenpath.com
972.423.0600

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First Stone Credit Counseling
2701 W 15th St #541
Plano, TX 75075
firststone.com
972.235.1188

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Federal Resources

FTC Budget PDF / USA.GOV Debt Info

Plano Assistance Programs

Food Bank: Minnie's Food Pantry / Address: 3033 West Parker Road #116, Plano, TX 75023 / Phone: 972.596.0253

Hot/Cold Meals: The Storehouse of Collin County / Address: 1401 Mira Vista Boulevard, Plano, TX 75093 / Phone: 469.385.1813

Shelter In Case of Eviction: Hope's Door / Address: 860 F Avenue, Plano, TX 75074 / Phone: 972.422.2911

Social Assistance Programs: Assistance Center of Collin County / Address: 900 18th Street, Plano, TX 75074 / Phone: 972.422.1125

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Usury and Regs. Governing Plano TX

Usury Law(s) pertaining to Plano 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 Plano 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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