Paris, TX

Credit Repair & Financial Services in Paris

Review 5 credit repair companies, personal lenders, and financial services in Paris, Texas. Profiles include stored ratings, BBB context, pricing fields, maps, and local rules where available.

Texas avg credit score: 694 Median income: $73,035 Poverty rate: 13.4% Payday loans: Legal Texas overview →

Featured Provider Profiles in Paris

5 companies
Employees United logo

Employees United

Member-owned federal credit union organized in 1975 for Campbell Soup employees and their families, offering basic financial services including car loans, checking, and bill pay.

BBB: NR

Profile signals: Employees of Campbell's Soup, Cargill, Lamar County, City of Paris, Paris Regional Medical Center, or the Lamar County Appraisal District, Family members of eligible employees seeking NCUA-insured savings and loan products

First Federal Community Bank, Ssb logo

First Federal Community Bank, Ssb

FDIC-insured community bank serving Northeast Texas with four locations, offering checking, savings, CDs, debit cards, home loans, and online banking.

BBB: NR

Profile signals: Residents of Northeast Texas (Paris, Clarksville, Mt. Pleasant area) seeking local banking relationships, Homebuyers in the region needing personalized mortgage guidance and faster approval timelines

Lamar National Bank logo

Lamar National Bank

Texas-based community bank offering checking, savings, personal loans, business loans, and mortgages with 30+ years of experience and multiple North Texas locations.

BBB: NR

Profile signals: Small business owners in North Texas seeking personalized banking relationships and proactive service, Individuals and families in the Dallas-Fort Worth area prioritizing local community banking over digital-only banks

Peoples Bank logo

Peoples Bank

Peoples Bank at 35 South Plz in Paris, TX provides local banking services to Lamar County residents.

BBB: NR

Profile signals: Customers in Paris, Texas and surrounding service area seeking relationship banking, Small business owners needing business checking and lending services locally

The Liberty National Bank in Paris logo

The Liberty National Bank in Paris

The Liberty National Bank in Paris is a community bank offering traditional banking services including checking, savings, and lending products to local and regional customers.

BBB: NR

Profile signals: Local Paris-area residents seeking community banking relationships, Customers preferring traditional in-person banking services

Banks in Paris

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First Federal Community Bank, Ssb logo

First Federal Community Bank, Ssb

FDIC-insured community bank serving Northeast Texas with four locations, offering checking, savings, CDs, debit cards, home loans, and online banking.

BBB: NR

Profile signals: Residents of Northeast Texas (Paris, Clarksville, Mt. Pleasant area) seeking local banking relationships, Homebuyers in the region needing personalized mortgage guidance and faster approval timelines

Lamar National Bank logo

Lamar National Bank

Texas-based community bank offering checking, savings, personal loans, business loans, and mortgages with 30+ years of experience and multiple North Texas locations.

BBB: NR

Profile signals: Small business owners in North Texas seeking personalized banking relationships and proactive service, Individuals and families in the Dallas-Fort Worth area prioritizing local community banking over digital-only banks

Peoples Bank logo

Peoples Bank

Peoples Bank at 35 South Plz in Paris, TX provides local banking services to Lamar County residents.

BBB: NR

Profile signals: Customers in Paris, Texas and surrounding service area seeking relationship banking, Small business owners needing business checking and lending services locally

The Liberty National Bank in Paris logo

The Liberty National Bank in Paris

The Liberty National Bank in Paris is a community bank offering traditional banking services including checking, savings, and lending products to local and regional customers.

BBB: NR

Profile signals: Local Paris-area residents seeking community banking relationships, Customers preferring traditional in-person banking services

Credit Unions in Paris

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Employees United logo

Employees United

Member-owned federal credit union organized in 1975 for Campbell Soup employees and their families, offering basic financial services including car loans, checking, and bill pay.

BBB: NR

Profile signals: Employees of Campbell's Soup, Cargill, Lamar County, City of Paris, Paris Regional Medical Center, or the Lamar County Appraisal District, Family members of eligible employees seeking NCUA-insured savings and loan products

Your Rights in Texas

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.

Key Regulations:
  • Payday and auto title lenders operate as Credit Access Businesses (CABs) arranging loans through third-party lenders.
  • No state cap on CAB fees; effective APRs frequently exceed 500%.
  • Several cities (Austin, Dallas, San Antonio, Houston) have enacted local payday lending ordinances.
  • The Texas Finance Code regulates consumer lending but exempts CABs from rate caps.

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.

Research Service Guides

Use these guides with local pages, state rules, and provider profiles before contacting a company.

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