Texas Trust Credit Union

Write a Review817-685-1039

CLOSED NOW - Opens at 9:00am

This place is definitely not where you want to go for loans.

I have a near perfect credit score and make 85k annually with no debt and no history’s of missed payments. I went in to get Car financing for 20k and encountered one of the most infuriating experiences ever. I told them I was on a time constraint. I provided everything they asked of me. The lady was nice enough to talk with, but when she sent it to their under writers they denied it. Frustrating, but I guess they saw me as young and didn’t want to assist.

So I get my dad to co-sign the loan. Now, he is self employed and has owned a few businesses for about 30 years. He hasn’t managed multiple million+ dollar loans with absolutely no issue; and has a consistent income that would place him in the highest bracket. He showed his proof of income in the form of tax returns over a 3 year period. Again, the under writers get his information and they turned him down! It was almost laughable if it wasn’t so insanely frustrating.

Now at this point I’ve wasted the better part of a day deaing with this bloated bureaucratic excuse of an organization. I gave them the benefit of the doubt after they said the application would be escalated (to someone who actually knows what they’re doing).

The lady says she will reach out to me as soon as she gets back.

So Monday rolls around and I wait until 9:00 am to call in. To no surprise, they have an extremely annoying automated system that wastes 5 minutes explaining the menu. I finally get in contact with an actual human and they say no one is in and They’ll take a message. I spend another 2-3 hours trying to get someone competent on the phone to no avail.

At this point I am fed up. I contact my bank and set up an appointment. Within 20 minutes of me shaking his hand I am approved. It really shed light on the incompetency of Texas trust and how horribly it is ran.

Moral of the story: save yourself the head ache and avoid this institution altogether.

Great place to do my car and personal loans without a long wait. It's usually not busy at all and they have a large staff do I'm in and out quickly. Not to mention they have low interest rates and skip-a-pay which I use at Christmas every year to skip my car payments during Christmas or whenever I like.