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This page was last updated July 2018

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Fair Credit Lenders in San Antonio TX

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Independence Bank
1455 WestNavy Federal Credit Union
946 North Loop 1604 West Suite 100, San Antonio, TX 78232
www.navyfederal.org
888.842.6328

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Cps Ibew Federal Credit Union
145 Navarro Street, San Antonio, TX 78205
www.cpsibewfcu.org
210.353.2169

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Prosperity Bank
14402 San Pedro Avenue, San Antonio, TX 78232
www.prosperitybanktx.com
210.826.2161

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First Commercial Bank
13333 Blanco Road #100, San Antonio, TX 78216
www.1cb.com
210.493.3500

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United Texas Credit Union
5500 UTSA Boulevard, San Antonio, TX 78249
www.utxcu.com
210.561.4500

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Select Federal Credit Union
1914 I-35, San Antonio, TX 78208
www.selectfcu.org
210.223.6561

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The Bank of San Antonio
1900 NW Loop 410, San Antonio, TX 78213
www.thebankofsa.com
210.807.5500

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Texas Capital Bank of San Antonio
745 E Mulberry Avenue #150, San Antonio, TX 78212
www.texascapitalbank.com
210.390.3800

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San Antonio TX 5x5 Loan App Volume

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

  1. Scenic Oaks
  2. Greater Gardendale
  3. Mahncke Park
  4. Harvard Pl-Eastlawn
  5. Vlgs Of Westcreek

$15000 Loan In San Antonio TX

Divorce can be really difficult for some people. There are those that handle the situation in a mature manner with both parties heading in opposite directions after splitting the assets fairly and equally with little emotion and anger.

Then there is Chris and her husband who went through a difficult divorce situation with both parties hurt and angry at each other. In fact, Chris’s husband was so mad he took a baseball bat to her car and did over $15,000 in damage to her car.

Chris needs $15,000 to repair the car and also buy a few things to set herself up in a new apartment she has moved into. With the proceeds from the divorce she was able to pay for most things, but needs the additional $15000 to cover these items.

She is going after her husband for the damages, but holds little hope of seeing any money for the repairs that needed to be made on her car.

Chris continues to work as a dental hygienist and makes enough money to live on, pay the bills and pay the monthly payment on a loan of this type.

Her personal credit is pretty good; however, her ex husband’s credit rating is less than fair. She wants this loan to be in her name so she can establish a credit rating in her name only.

A $15000 personal loan with a five-year term and 8% interest rate for Chris cost her the following per month:

• Loan Amount (principal) = $15000
• Interest Rate = 8%
• Term Length = 5 year
• Monthly Payment = $304.15
• Total Paid Back = $18248.75
• Total Interest = $3248.75

Chris is doing well. With the loan she was able to pay for the car repairs and purchase some of the additional things she needed for her apartment.

Although she could spend a lot more money on making her new home more comfortable, she wants to manage her debt situation and avoid a lot of credit card debt.

The car actually looks better and runs better as well now that it has been repaired. She added new tires, fixed the muffler system and repaired the brakes which were at the end of their life cycle. She now has a car that she can depend on and use to get to work everyday.

The funny thing is that her ex husband is now feeling remorseful about the damage he caused and wants to make amends. He wants to repay her for the damage, however she is not holding her breath while she waits for the money.

If he does pay her, she can dispose of the loan and avoid monthly payments. This action would also look great on her credit rating as well making her next loan when she needs it much easier to obtain.

Life is starting to turn around for Chris. After a bad marriage and divorce she is getting her life back to normal, dating a bit and enjoying life. The loan really helped stabilize things for her financially and get her car repaired. She is going to take future relationships much more slowly and hopefully find someone that will be her life long partner.

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

Sincerely,

Andy Somerset

Andy Somerset is the son of Lance Somerset who founded the We Find Lenders Pool. He writes for WeFindLenders.com whenever he's not working hard on his degree in finance.

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Employment & Education Advancement Opportunities in San Antonio TX

If you live in San Antonio 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 San Antonio TX

The Credit Repairmen
6989 Alamo Downs Parkway, San Antonio, TX 78238
www.thecreditrepairmen.com
210.520.0444


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GreenPath Financial Wellness
4243 E Piedras Drive #270, San Antonio, TX 78228
www.greenpath.com
210.979.4300

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Christian Credit Counseling
506 E Ramsey Road #2, San Antonio, TX 78216
christianfinancialservicestx.com
210.341.5911

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International Credit Consultants
#626, 7800 I-10, San Antonio, TX 78230
internationalcreditconsultantssa.com
210.525.9977

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Usury and Regs. Governing San Antonio

Usury Law(s) for San Antonio 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 San Antonio lenders are 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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