Cactus Credit is a consumer lending organization operating from 2910 Kemp Blvd, Suite 120, Wichita Falls, Texas. Founded to provide installment loan options for individuals, the entity emphasizes terms intended to be more manageable than typical high-cost short-term loans, aligning with its stated mission to offer accessible credit without pursuing debt traps. The organization’s footprint includes multiple locations across the Southeastern United States and a commitment to developing an online lending channel, indicating growth plans beyond its local branch.
Nature and history - The lender presents itself as a non-traditional option within the personal loan landscape, positioning its products as installment loans designed for shorter payoff horizons. - Public statements indicate a strategy focused on geographic expansion and the eventual rollout of digital lending capabilities to broaden access to its loan offerings. - The organization operates within the consumer finance sector, with a profile suggesting ongoing regulatory and licensing considerations typical for lenders offering unsecured credit products.
Primary functions and scope - Core activities include originating installment loans to individuals and managing repayment terms aligned with monthly schedules. - Operational scope appears to extend beyond Wichita Falls, reflecting an intent to serve additional markets through new storefronts and an online platform. - The entity maintains customer contact channels and regulatory disclosures typical of consumer lending firms.
Address
2910 Kemp Blvd Suite 120, Wichita Falls, TX 76308
Phone
(940) 40 02 009Website
cactus-credit.comBetter than 74% of providers in Wichita Falls
Links and information about Cactus Credit:
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www.creditsafe.comCactus Credit was founded on the belief that hard-working people should be able to obtain loans with reasonable terms. Unlike title lenders and payday loan providers, we never aim to trap our customers in debt. Our installment loans can be paid off easily in just a few months. We anticipate tremendous future growth with the opening of new locations across the Southeastern United States, and the development of an online lending platform.
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Cactus Credit is a verified financial service provider. This means we have confirmed their business information, contact details, and they have received customer reviews. You can trust this provider for your financial needs.
Find answers to common questions
Cactus Credit is listed as a financial service provider in Wichita Falls, TX and must follow both state and federal regulations that apply to this type of business. As with any financial provider, you should review the agreement carefully before signing, make sure you understand all fees and repayment terms, and only use official contact details from this page or the company's own website. Avoid sharing personal or payment information with anyone who contacts you unexpectedly and, if something seems unclear, ask Cactus Credit to explain the terms in writing before you proceed.
To improve your chances of getting better terms from Cactus Credit, be prepared with accurate information about your income, existing debts, and the amount you really need to borrow. If possible, check your credit history in advance, avoid late payments on other accounts, and consider offering collateral if the product allows it, as stronger overall finances can help you qualify for more favorable rates or fees. It's also a good idea to compare Cactus Credit with other providers in Wichita Falls and to ask directly about any current promotions, loyalty benefits, or ways to reduce the total cost of your loan.
Cactus Credit has a rating of 5.0, which is better than 74% of providers in Wichita Falls.
Requirements can vary by product, but for most visits you should be ready to bring a valid government-issued ID, proof of income (such as recent pay stubs or bank statements), and proof of address like a utility bill or lease. If you are applying for a title or secured loan, you may also need the vehicle title, registration, and insurance details, along with any other documents Cactus Credit requests. It is always best to call ahead using the phone number on this page so Cactus Credit can confirm exactly which documents you need for your specific situation.
In addition to its primary service, Cactus Credit also offers: Loan agency.