Fair to Bad Credit Loans in TX

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Last updated October 14th 2018

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Texas Usury and Regulations

Summary of Texas Usury Law(s) / Quote: "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"

(WeFindLenders.com endeavors to include the most up to date legal data for Texas, but no guarantee or warranty of any kind is expressed or implied as to the accuracy of said data. This data is not intended to be legal advice. For legal help speak with a lawyer in Texas, and/or contact the Texas State government's division of banking and finance - legal statutes researched by FindLaw.com & American Lawyers Quarterly - see credits)

Texas Usury Law Snippets Of Interest;

The snippets of interest are from the Texas legal codes and rules documents §306 and §303.

Snippet 1.) §306.002 Quote: "Interest; (a) A creditor may contract for, charge, and receive from an obligor on a commercial loan a rate or amount of interest that does not exceed the applicable ceilings computed in accordance with § 303." (see snippet #2)

Snippet 2.) Quote: §303.009 "Maximum and minimum weekly, monthly, quarterly, and annual ceiling. (a) If the rate computed for the weekly, monthly, quarterly, or annualized ceiling is less than 18 percent a year, the ceiling is 18 percent a year."

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Complaints to:

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

Texas Lender Service Areas Map

Texas Bad Credit Lenders Map - Initial Static Image

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Bad Credit Loan Form for Texas

Fast Loan Pre-App Method
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$100,000 Loan Example In Texas

Rebecca and her husband need $100,000 to consolidate all of their debt into one payment. This type of loan is pretty typical for someone who needs to consolidate debt that they have accumulated over the years.

In Rebecca’s situation she has student loans, a car loan, several credit card debts and she would like to update her home with some new furniture. Aconsolidation loan of this size is actually considered small in terms of some of the other balloon mortgages and loans that many consumers are looking for in the area.

Rebecca’s husband has managed their finances quite well and it turns out this will be the only debt they will have once all of their debts are consolidated. Their home is fully paid for, they had two small car loans and of course the debt on the credit cards. They have focused on paying down their mortgage and all of the high interest loans.

The recent credit card debt is due to some of the furniture they have already purchased. They want to transfer this debt to the debt consolidation loan to avoid paying high interest rates on the unpaid balance on the credit cards.

A $100000 debt consolidation loan in Texas with a twenty five-year term and an 8% interest rate for Rebecca and her husband could cost her the following:

• Loan Amount (principal) = $100000
• Interest Rate = 8%
• Term Length = 25 year
• Monthly Payment = $771.82
• Total Paid Back = $231544.87
• Total Interest = $131544.87

For many consumers with equity in their homes and a good credit rating, lenders are setting up lines of credit that can be drawn on as needed and repaid as money becomes available. Rebecca’s husband appears to be very good at managing debt and we have no doubt they will meet all of the terms of this loan without any problems.

Based on their good credit rating, the equity available in their home and their track record for managing money, this couple was approved for a secured line of credit against their home. They have lots of equity in their home.

This security allowed them to be approved easily and with a competitive interest rate. Although the calculations shown above suggest a traditional 25-year mortgage, they will have an option of only paying the accumulated interest each month or paying as much as they want above this minimum amount.

Rebecca is very happy with her new furniture. She replaced all of the family room furniture, updated the kitchen with new appliances and added various accents around both rooms to create the atmosphere she was looking for.

While they did consolidate everything and update their home, they did not spend as much money as they planned. As a result, the line of credit for a debt consolidation tool is an excellent approach. You only borrow what you need and pay it off as soon as you are able.

It may take Rebecca and her husband a few years to repay the balance on the line of credit. They will certainly have it repaid well inside of the 25-year amortization mentioned above.

If you live in the State of Texas and you're struggling with 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.

Debt Consolidation Loans in TX

Last 5 debt service loans approved in the State of Texas. Source: WFL Lender Pool. Updated Weekly. Principals rounded to the nearest $1000. Relative interest rates listed below in order left to right.

$5000 $8000 $30000 $13000 $7000

15.47% 7.36% 6.85% 5.36% 10.28%

Debt Consolidation Providers In TX

Note to lenders, banks, and credit unions: contact us for listing removal.

Austin Debt Consolidation
9420 Research Boulevard, Austin
TX 78759 - 512.726.0375
www.austindebtconsolidation.us

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Dallas Debt Consolidation
3824 Cedar Springs Road #168
Dallas, TX 75219 - 972.843.5636
www.debtconsolidationexperts.net

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Debt Consolidation Austin Texas
700 Lavaca Street #1488, Austin, TX 78701
debtconsolidationaustintexas.com
512.501.3955

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A American Debt Consolidation
Baytown TX 77520
281.420.1527

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Debt Consolidation Experts Dallas
3817 Latimer St, Dallas
TX 75215 - 469.708.0843
www.debtconsolidationexperts.net

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Dallas Debt Consolidation
3824 Cedar Springs Road #168
Dallas, TX 75219 - 972.843.5636
www.debtconsolidationexperts.net

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Debt Consolidation
Corpus Christi, TX 78412
361.994.4999

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A American Debt Consolidation
Houston, TX 77040

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Miyako Debt Consolidation
6600 Bryant Irvin Road
Fort Worth, TX 76132
817.361.0405

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Debt Consolidation Experts
1333 5th Ave, Fort Worth
TX 76104 - 682.990.0552
www.debtconsolidationexperts.net

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Medical Debt Recovery Inc
802 Dominion Drive, Katy
TX 77450 - 281.579.9354

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A American Debt Consolidation
1915 Aggie Ln, League City
TX 77573 - 281.332.3459

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Master Debt Solutions LLC
2825 Miller Ranch Rd #229
Pearland, TX 77584 - 281.741.2671
www.masterdebtsolutions.com

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Debt Hero Houston
1200 Smith St
Houston, - TX 77002
281.727.0304

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Debt Solution Texas - Houston
3000 Richmond Ave, Houston
TX 77098

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Crown Debt Relief LLC
2520 Electronic Ln, Dallas
TX 75220 - 214.253.4530

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ABC Debt Relief Ltd Co
7616 Lyndon B Johnson Fwy, Dallas
TX 75251 - 972.385.8543

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Dallas Debt Relief
100 Highland Park Village #200
Dallas, TX 75205 - 972.891.8937

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A American Debt Consolidation
Houston, TX 77040

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National Debt Group
337 Garden Oaks Boulevard
Houston - TX 77018
888.761.3385

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Houston Debt Relief
2500 CityWest Boulevard,
Houston, TX 77042
713.793.6302

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Genesis Debt Relief
4203 Gardendale, San Antonio
TX 78229 - 210.571.1481
www.genesisdebtrelief.com

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Allied Against Debt
1520 W Hildebrand Ave, San Antonio
TX 78201 - 210.293.1910

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Debt Care of Texas
8000 Frontage Road #600
San Antonio, TX 78230
210.525.7989

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SA Debt Help
6709 Bandera Road, San Antonio
TX 78238 - www.sadebthelp.com
210.737.0900

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Debt Point Debt Relief
4242 E Piedras Dr #109
San Antonio, TX 78228
www.debtpoint.com
210.520.2100

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Integrity Debt Solutions - Texas
1708 E Northgate Dr #2015 Irving
TX 75062 - 800.635.6793
www.debtsettlement-texas.com

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Debt Solution Texas - Houston
3000 Richmond Ave, Houston
TX 77098

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Dallas Credit Union
4245 N Central Expy #100, Dallas, TX 75205
dallascu.org
214.748.5166

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Dallas Capital Bank
14185 Dallas Pkwy #200, Dallas, TX 75254
www.dallascapitalbank.com
972.391.6800

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Houston Federal Credit Union
6808 Bintliff Dr, Houston, TX 77074
www.houstonfcu.org
281.243.0500

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Central Bank / West Houston
11201 Clay Rd, Houston, TX 77041
www.cbhou.com
832.485.2300

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Security Service Federal Credit Union
6301 NW Loop 410, San Antonio, TX 78238
www.ssfcu.org
210.877.3985

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The Bank of San Antonio
888 Isom Rd, San Antonio, TX 78216
thebankofsa.com
210.807.5560

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Velocity Credit Union
4220 S Lamar Blvd #100, Austin, TX 78704
www.velocitycu.com
512.469.7000

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Austin Capital Bank
8100 Shoal Creek Blvd, Austin, TX 78757
www.austincapitalbank.com
512.693.3600

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Fort Worth City Credit Union
2309 Montgomery St, Fort Worth, TX 76107
www.fwccu.org
817.732.2803

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Texas Capital Bank of Fort Worth
300 Throckmorton St, Fort Worth, TX 76102
www.texascapitalbank.com
817.852.4000

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First Light Federal Credit Union
1555 Lee Trevino Dr, El Paso, TX 79936
www.firstlightfcu.org
915.562.1172

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United Bank of El Paso
9801 Gateway Blvd W, El Paso, TX 79925
www.unitedelpaso.com
915.231.2500


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TX Debt Consolidation Form

Texas Application Form
Bad Credit Debt Consolidation Loans (?)
 

About Debt Consolidation Loans In TX

In an effort to help you plan out your consolidation we've compiled a list of providers in the (shown above), and we've given you access to the WFL lender pool of over 300 debt consolidation providers who lend money to people with lower than average credit ratings.

These companies are all legal and legit outfits. They've all been screened by our staff to make sure their loan agreements adhere to the laws governing financial services in Texas.

To get your loan application reviewed by one of these companies you can use the consolidation loan form above. When you fill out those first three fields (Amount, purpose, State) and click "Submit Fast Loan App" you will be taken to the appropriate pre-application form for your State.

Once there you fill how much you need to borrow, your monthly income, your basic details, income sources, date of birth, city or town, credit score (if you know what it is), desired loan term length, zip code, email, and first name.

Instantly your loan application can be reviewed by hundreds of legitimate lenders who may be able to help you with your request. To learn more see our How page.

TX Debt Consolidation Providers Map

Texas Debt Consolidation Loan Providers - Initial Static Image

Click or tap map image above for interactive version.
Lenders
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$5000 Debt Consolidation Loan in TX

In the calculation below you can see an estimate of this $5000 consolidation loan that Sheila applied for a got. Take note of the total interest paid back line.

In reality Sheila also had to pay a fee at the end of the term (not an up front fee like shady lenders try and charge you). We don't include the fees associated with any of the loans because we are not actual lender.

WFL is not a lender. We only bring lenders and borrowers together through this website, so we don't know the exact details of the fee structures the lenders charge.

All we know is that the lenders have been reported to be charging a sum that's within the Texas usury laws

Principal = $5000
Interest Rate = 11.12%
Term Length = 1 years
Monthly Payment = $442.19
Total Paid Back = $5306.26
Total Interest Paid = $306.26

So the reason Sheila wanted a consolidation loan for $5000 was due to credit card balances and utility bill overdue balances. She was laid off from her job for over a year and that ate up all of her saving - and then some.

The "some" was about $4750 dollars so she requested a $5K to get it all behind her. The in the long run five grand isn't really anything to get hung about, but to Sheila is was a very big deal and she felt the metaphoric noose around her neck.

She could see the penalty charges and overdue fees mounting. It caused a crazy amount of stress, and no matter what her fiance told, she couldn't get out of the stress debt rut.

In the past you couldn't even get a debt consolidation loan for an amount as low as $5000. It just wasn't high enough and big banks and local credit unions wouldn't even go there. But some folks NEED "to go there". They just need a reboot with their finances and get five thousand paid out to bill collectors and/or rent collectors.

$5000 dollars can stop an eviction, turn your lights back on, your phone back on, your furnace back, and more. $5000 can be a life saver for many who are stuck in a debt rut, and it certainly helped Sheila.

As described above on this page, she used the consolidation loan form and got her submission reviews by all of the available lenders legally authorized to give loans.

She fielded 5 different emails from Texas based companies and she chose the deal with the lowest rate (naturally). She got funded in 72 hours (close to that she said), and was delighted.

She could feel the piano being lifted off her back and the stress levels dropping rapidly. Sheila told us all about her loan application and how she got approved. She also told us the rate and how friendly the lender's staff was.

Her interest rate was reasonable considering her credit score and she was done with the entire loan a year later. All around she said it was a great experience.

If you live in Texas and want to get a loan approved like Sheila's go ahead and fill out the form and submit it. Remember that your credit rating can't be damaged using the WFL lender pool service.

If you live in the State of Texas and you're trying to get approved for a debt consolidation loan, we hope our website helps you find a good lender and a low interest rate.

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. 

Credit Counseling Services In TX

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


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Good Credit 4 Life
01 S MoPac Expy, Austin, TX 78746
goodcredit4life.com
512.645.2265

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Texas Best Credit Repair
5100 Westheimer Rd #297, Houston, TX 77056
www.texasbestcreditrepair.com
281.761.6602

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Credit Services Of El Paso
6416 Gateway Blvd E, El Paso, TX 79905
www.creditservicesofelpaso.com
915.595.1111

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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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