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This page was last updated August 2019

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Fair Credit Lenders in Garland TX

Lenders: contact us for listing removal.

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Resource One Credit Union
302 W Centerville Rd, Garland, TX 75041
www.r1cu.org
+1 800-375-3674

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Texans Credit Union
626 Austin St, Garland, TX 75040
www.texanscu.org
+1 972-348-3700

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America's Credit Union
2154 Forest Ln, Garland, TX 75042
www.americascu.org
+1 800-543-2811

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TDECU
1920 Northwest Hwy, Garland, TX 75041
local.tdecu.org
+1 800-839-1154

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Navy Federal Credit Union
5102 N President George Bush Hwy
Garland, TX 75040 / www.navyfederal.org
+1 888-842-6328

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Texas Telcom Credit Union
8818 Garland Rd, Dallas, TX 75218
www.textelcu.org
+1 214-320-8818

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Dallas Santa Fe Credit Union
3884 S Shiloh Rd # 116, Garland, TX 75041
+1 972-271-4100

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Neighborhood Credit Union
5820, 2201 N Belt Line Rd, Mesquite
TX 75150 / www.myncu.com
+1 214-748-9393

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Texas Brand Bank
1919 S Shiloh Rd, Garland, TX 75042
www.texasbrandbank.com
+1 972-494-9800

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Veritex Community Bank
622 Clara Barton Blvd, Garland, TX 75042
veritexbank.com
+1 972-767-2160

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Bad Credit Loan Form for Garland TX

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Garland TX Lender Service Area Map

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Garland TX 5x5 Loan App Volume

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


Landmark Museum in Garland Texas: Licensing/Credit

Bad Credit Loan in Garland TX

Barry has accumulated almost ten thousand in debt. He has not been great at managing his money and he suddenly realized that not only did he have this debt, he was also paying a lot each month in monthly payments as well as interest charges.

He knows he needs to get his act together and manage his money much better, but right now he just wants a ten thousand loan so he can consolidate his debt, pay one monthly payment and pay as little interest as he can.

He feels that he is drowning in high interest payments and will never get his debt paid unless he takes some action now.

He has two credit cards, each with a $4000 limit which of course are charged to the maximum amount he can charge. In fact, he cannot use his cards for anything because they are at their limits.

The credit card companies have even offered to increase his limits to $6000, which he has refused, because he knows that before he knows whats happened, they will each be at their limit again and he is worse off.

He has another small personal loan which is actually at a decent interest rate. But he would like to consolidate this loan as well so that he just has the one loan payment.

His credit score is in decent shape and he makes sufficient income to qualify for a loan. Lenders are interested in providing a loan to him for ten thousand over the five year term that he has requested.

A $10k loan with a five-year term and 7% interest rate for Barry would cost him the following per month:

• Loan Amount (principal) = $10000
• Interest Rate = 7%
• Term Length = 5 year
• Monthly Payment = $207.58
• Total Paid Back = $12455.01
• Total Interest = $2455.01

With his current credit score, Barry will qualify for a debt consolidation loan. He will be able to repay his credit cards in full and also his loan.

He was considering closing his credit card accounts to avoid the temptation to use them. He is afraid of finding himself with a loan and credit cards charged to the maximum limit once again.

Barry should not close his credit card accounts at this time. Taking this action would actually lower his credit score because his debt to borrowing ration would decline.

If he is afraid of the temptation to use them, he might be better off placing the cards in a safe place where it is difficult to get to them.

Many people find that they get into debt situations because of the spontaneous purchases they make. They see something they like and buy it on the sport using credit to pay for them.

By the time they realize they do not have the money to pay for the item it is too late to return it and they have a larger credit card bill than what they planned.

If you leave your credit cards at home when you go shopping there is less danger of this occurring and consumers like Barry can reduce their total future debt.

If you live in Garland 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 Garland TX

If you live in Garland and you're struggling to make ends meet, you may want to consider these ideas.

Job Upgrade: Indeed / Snag-A-Job

Education Advancement: College / University

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Credit Counseling In Garland TX

Garland Credit Counsellors Map - Initial Static Image

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Mr. Clean Your Credit
2406 Royal Dr, Garland, TX 75041
www.mrcleanyourcredit.com
+1 888-695-9563


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Texas Credit Repair
3306 Overglen Dr, Garland, TX 75043
www.texascreditrepair.com
+1 214-907-376

Federal Resources

FTC Budget PDF / USA.GOV Debt Info

Garland Non-Profit Services

Food Bank: Good Samaritans of Garland / Address: 214 North 12th Street, Garland, TX 75040 / Phone: 972.276.2263

Hot/Cold Meals: Metro Family Ministries / Address: 3375 Edgewood Drive, Garland, TX 75042 / Phone: 972.272.1002

Shelter In Case of Eviction: Refuge On The Rock Foundation / Address: Garland, TX / Phone: 214.789.6634

Social Assistance Programs: East Garland WIC Office / Address: 2851 Dairy Road, Garland, TX 75041 / Phone: 214.670.7200

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Usury and Regs. Governing Garland TX

Usury Law(s) pertaining to Garland 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 Garland 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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