Compare 7 credit repair companies, personal lenders, and financial services in Waco, Texas. All independently reviewed with BBB ratings and pricing.
FDIC-insured bank serving the Waco, Texas area since 1952, offering personal banking, business lending, and mortgage services with a focus on face-to-face relationships.
Best for: Small to medium-sized business owners in the Waco area seeking relationship-based commercial lending, Waco-area homebuyers and homeowners wanting mortgage lending with local relationship management
Central National Bank is an independent community bank in Waco offering business and personal banking services including loans, checking accounts, and digital banking solutions.
Best for: Small business owners and entrepreneurs seeking construction, real estate, or growth capital loans, Local Waco business community members who prefer working with an independent bank
Community Bank & Trust is a family-owned bank in Waco, Texas offering personal and business checking, savings, loans, mortgages, and wealth management services with FDIC insurance.
Best for: Waco-area residents seeking personalized relationship banking with local decision-makers, Customers prioritizing wealth management and trust services for estate planning
Fidelity Bank of Texas is a community bank headquartered in Waco offering checking, savings, money market accounts, and home loans with 24-hour telephone banking and online services.
Best for: Waco and central Texas residents seeking community bank relationships with local service, Customers with $10,000+ to deposit seeking tiered interest rate benefits on Advantage Accounts
First National Bank of Central Texas is a regional bank offering personal and business checking, savings, lending, and digital banking services with a focus on community-based customer service.
Best for: Central Texas residents seeking no-frills personal checking with digital banking capabilities, Small to mid-sized businesses in Central Texas requiring customized lending and banking solutions
Unable to verify company details due to website access restrictions. Waco Community Development Corporation cannot be profiled at this time.
Best for: Free housing counseling, Foreclosure prevention
FDIC-insured bank serving the Waco, Texas area since 1952, offering personal banking, business lending, and mortgage services with a focus on face-to-face relationships.
Best for: Small to medium-sized business owners in the Waco area seeking relationship-based commercial lending, Waco-area homebuyers and homeowners wanting mortgage lending with local relationship management
Central National Bank is an independent community bank in Waco offering business and personal banking services including loans, checking accounts, and digital banking solutions.
Best for: Small business owners and entrepreneurs seeking construction, real estate, or growth capital loans, Local Waco business community members who prefer working with an independent bank
Community Bank & Trust is a family-owned bank in Waco, Texas offering personal and business checking, savings, loans, mortgages, and wealth management services with FDIC insurance.
Best for: Waco-area residents seeking personalized relationship banking with local decision-makers, Customers prioritizing wealth management and trust services for estate planning
Fidelity Bank of Texas is a community bank headquartered in Waco offering checking, savings, money market accounts, and home loans with 24-hour telephone banking and online services.
Best for: Waco and central Texas residents seeking community bank relationships with local service, Customers with $10,000+ to deposit seeking tiered interest rate benefits on Advantage Accounts
First National Bank of Central Texas is a regional bank offering personal and business checking, savings, lending, and digital banking services with a focus on community-based customer service.
Best for: Central Texas residents seeking no-frills personal checking with digital banking capabilities, Small to mid-sized businesses in Central Texas requiring customized lending and banking solutions
NeighborWorks Waco is a non-profit mortgage lender and housing counselor offering affordable mortgages, down payment assistance, and homebuyer education to strengthen homeownership in the Waco area.
Best for: First-time homebuyers in the Waco, Texas area seeking education and affordable mortgage options, Veterans and rural homebuyers looking for specialized loan programs and counseling support
Unable to verify company details due to website access restrictions. Waco Community Development Corporation cannot be profiled at this time.
Best for: Free housing counseling, Foreclosure prevention
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.
Our editors reviewed hundreds of companies to find the best options nationwide.
Affiliate Disclosure: CreditDoc may earn a commission when you click links to products and services featured on this page. Our editorial team independently reviews all services. Learn more.