LDS: Answers to Questions

Who is the Best Debt Consolidation Company in Houston Texas?

Disclaimer: The information below is for educational purposes only and may not be used as legal, business, or financial advice. Consult with your local Houston Texas based financial advisers or attorneys before making any major financial decisions.

If you’ve been searching for the ideal debt solution in Space City, you may be wondering what who the best company in Houston is for a debt consolidation service.

Here we will break down the top performers for superior consolidation, who we’ve chosen as our top pick for your specific situation, and why.

Furthermore, we want to highlight who the ultimate Houston-based consolidation provider is according to what kinds of debt you may have, what your credit score is, and where you live in the city.

 

Common Question: 

Who is the best debt consolidation company in Houston Texas?

 

Answer: 

Ultimately, the best company in Houston for your debt consolidation is one that provides:

  1. the lowest interest rate in Houston Tx
  2. the fastest approval in Houston Tx
  3. the best customer service in Houston Tx
  4. the friendliest staff in Houston Tx
  5. the most transparent contract in Houston Tx
  6. the closest to your residence in Houston Tx

We didn’t want to start off by telling you “It depends” because that is ultimate turn off.

However, we do have to include the criteria for the best option based on your credit score.

 

With Good Credit:

  1. a Houston-based credit union nearest your residence
  2. a Houston-based community bank nearest your residence
  3. a Houston-based private licensed lender nearest your residence

 

 

With Bad Credit (w/cosign * w/o cosign **)

  1. a title loan provider based in Houston Tx ** nearest your residence
  2. a Houston-based credit union * nearest your residence
  3. a Houston-based community bank * nearest your residence *

 

 

Best Houston Debt Consolidation Company w/ Bad Credit and No Cosigner

You can see above that your credit history will narrow your choices considerably.

If you have bad credit and you don’t have a cosigner, your best bet is with a Houston-based title loan company nearest you.

With a title loan company, you must have an “accessible asset” like a car, truck, boat, or RV to use as collateral. If for some reason you fail to make your periodic payments, the title loan company can repossess your car.

With that in mind, below is map of Houston title loan companies you can consider. Not only is this your best choice with a bad credit rating.

 

Best Houston Debt Consolidation Company w/ Bad Credit + Cosigner

If you have a co-signer, without question the very best consolidation provider would be a Houston-based credit union nearest you.

The reason why a credit union is ideal is due to the fact credit unions are not-for-profit organizations with a mandate to best serve the people of Houston.

Below is a Houston map with pins so you check out which credit unions that are perfectly located (close to your home).

 

Best Houston Debt Consolidation Company w/ a Great Credit History Report

If you have excellent credit, then the world is your oyster. This means your only criteria for shopping around is getting the lowest possible interest rate, the best payment terms, and a perfect location close to your home.

Below is a Houston map pinning all the highest rated credit unions.

 

The #1 Best Houston Debt Consolidation Company

 

As you can see above, the common thread for the best debt consolidation solution is a Houston-based credit union, and we’ve explained why above.

Assuming you have a good credit score, or you have a poor credit score and a top-level cosigner, you can simply do a search for the highest reviewed credit union in Texas.

So, let’s do that shall we.

 

Criteria we used for choosing Houston’s best company for debt consolidation services:

  • longest history serving the Houston community
  • most supportive of the Houston Texas community 
  • best customer service ratings
  • most prestigious awards
  • best internal polling by Data United LDS™
  • highest ratio of positive social media comments
  • highest ratio of positive reviews on review websites
  • highest ratio of positive reviews on Google
  • highest ratio of positive reviews on directory websites
  • best website
  • best policies
  • best selection of products

 

And #1 Top Choice for Debt Consolidation in Houston is (drum roll please):

Cy-Fair FCU

 

What is the fastest debt consolidation loan in Houston Texas
Best Houston Company for Debt Consolidation

Map to Cy-Fair FCU Houston Locations

Video on the history of Cy-Fair FCU

Video of Best Houston Debt Consolidation Company

Written by Catherine Dean B.Soc.Sc, M.Math.

Catherine “Cats” Dean is a research analyst and author specializing in finance and financial data analytics. She holds a Bachelor of Social Science degree, and a Masters of Mathematics. You can follower her on Twitter @CatsLovesStats