Compare 5 credit repair companies, personal lenders, and financial services in Lubbock, Texas. All independently reviewed with BBB ratings and pricing.
City Bank is an FDIC-insured bank offering checking accounts, mortgages, auto loans, and digital banking services to consumers seeking rewards-based accounts and streamlined lending.
Best for: Consumers seeking rewards-based checking with interest earning potential, Homebuyers wanting fast online mortgage application and approval
Lubbock, TX branch of Peoples Bank at 5820 82Nd St serves the local community with in-person banking services.
Best for: Texas-based individuals and families seeking personal checking, savings, and personal loans from a locally-focused bank, Small business owners seeking SBA loans and business banking with personalized local service
Texas-based commercial bank offering business lending, deposits, and checking accounts with emphasis on personalized service and accessible accounts for business owners.
Best for: Texas-based small business owners needing personalized commercial lending and deposit accounts, Agricultural businesses seeking specialized ag lending with accessible account management
FDIC-insured community bank serving Texas with personal checking, savings, mortgages, and business lending across nine locations in West Texas.
Best for: Small business owners and farmers in West Texas communities seeking relationship-based lending from local decision-makers, Agricultural operations requiring specialized farm and ranch financing with local expertise
Non-profit community development corporation offering free financial literacy, homebuyer education, and housing counseling services to North & East Lubbock residents.
Best for: North & East Lubbock residents seeking free financial education and credit counseling, First-time homebuyers in the Lubbock area needing pre-purchase education
City Bank is an FDIC-insured bank offering checking accounts, mortgages, auto loans, and digital banking services to consumers seeking rewards-based accounts and streamlined lending.
Best for: Consumers seeking rewards-based checking with interest earning potential, Homebuyers wanting fast online mortgage application and approval
Lubbock, TX branch of Peoples Bank at 5820 82Nd St serves the local community with in-person banking services.
Best for: Texas-based individuals and families seeking personal checking, savings, and personal loans from a locally-focused bank, Small business owners seeking SBA loans and business banking with personalized local service
Texas-based commercial bank offering business lending, deposits, and checking accounts with emphasis on personalized service and accessible accounts for business owners.
Best for: Texas-based small business owners needing personalized commercial lending and deposit accounts, Agricultural businesses seeking specialized ag lending with accessible account management
FDIC-insured community bank serving Texas with personal checking, savings, mortgages, and business lending across nine locations in West Texas.
Best for: Small business owners and farmers in West Texas communities seeking relationship-based lending from local decision-makers, Agricultural operations requiring specialized farm and ranch financing with local expertise
Non-profit community development corporation offering free financial literacy, homebuyer education, and housing counseling services to North & East Lubbock residents.
Best for: North & East Lubbock residents seeking free financial education and credit counseling, First-time homebuyers in the Lubbock area needing pre-purchase education
Texas Consumer Protections: Texas allows payday and auto title lending through the Credit Access Business model, which lacks state-level fee caps. Several cities have enacted local ordinances to limit loan amounts and rollovers. Consumers can file complaints with the Office of Consumer Credit Commissioner or the Attorney General.
Interest Rate Cap: Texas usury cap: 10% for written contracts (18% default); payday/auto title loans regulated as credit access businesses.
Federal protections: The FCRA gives you the right to dispute inaccurate credit report information for free. Credit repair companies cannot charge before performing services (Credit Repair Organizations Act).
Free resources: Get a free credit report annually at AnnualCreditReport.com. File complaints with Texas Attorney General Consumer Protection Division.
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