903-218-6495

We are the low-interest, risk-free alternative to payday loans in East Texas

Borrow up to $1000 for a year

Button
We offer workplace loans through payroll deduction throughout East Texas

Employers: Discover how you can offer this service to your employees

Button
We are the low-interest, risk-free alternative to payday loans in East Texas

Borrow up to $1000 for a year

Button
We offer workplace loans through payroll deduction throughout East Texass

Employers: Discover how you can offer this service to your employees

Button
We are the low-interest, risk-free alternative to payday loans in East Texas

Borrow up to $1000 for a year

Button

Hello, we are the Community Loan Center of East Texas

The East Texas Council of Governments established the Community Loan Center (CLC) of East Texas in 2016 to offer low-interest, low-fee personal loans to employees of enrolled employers as an alternative to high-cost consumer and auto title loans.

Our mission is to encourage and assist very low, low, and moderate-income persons through credit solutions, loans, and financial counseling, as an alternative to payday loans in order to promote, develop and improve the economic conditions of people in the East Texas region. Partners and supporters of the Community Loan Center of East Texas include Regions Bank and Texas Community Capital.

ETCOG is a voluntary association of counties, cities, school districts, and special districts within a fourteen-county East Texas region. We serve as the bridge between federal, state, and local governments, helping cities and counties solve challenges and impact the future regionally.

Benefits to Employers

Attractive and innovative employee benefits can help increase employee retention
Can help boost employee morale
Reduces costs of paycheck advances and loans to employees
Reduces HR costs of time spent on calls from employees' payday lenders
Reduces costs of employee time spent dealing with their financial problems at work (estimated $1,540 / employee / year)
Automated loan program is easy to administer and requires very little staff time

Benefits to Employees

Inexpensive loans
Loan funds transferred directly into employee's bank account
Loans can be used for any purpose, including to pay off payday loans
Longer term - 12 months to repay the loan with no prepayment penalty
Low, affordable payments through convenient payroll deduction
User-friendly online loan application with quick loan processing
Easy approval - no credit checks and no collateral

From a Human Resources standpoint, it's helpful to have a benefits package that can help recruit and retain quality employees for our organization. Having the Community Loan program as a piece of our benefits package has helped our employees from medical bills to vacations. The beauty of this benefit is that while helping our employees, there is no additional cost to the employer and minimal administrative work to manage.

Brandy Brannon, ETCOG Human Resources
The community loan program offers a relatively painless way for our employees to get the cash they need upfront while allowing them to pay it back at a low rate over the next year. We routinely have around 100 employees enrolled in the program. Since offering this benefit five years ago, we have only gotten positive feedback from those who have enrolled.

City of Longview Human Resources
The loan program offered through my employer is great. I am able to apply on my phone or computer, on my own time, at a low-interest rate. The best thing is it gets paid back automatically through my employer. It's fast, easy and helps me a lot!

Michael - City of Longview Participant

Administered by ETCOG

Community Loan Center of East Texas

3800 Stone Road
Kilgore, Texas 75662

(903) 218-6467

Deaf, hard-of-hearing, or speech-impaired customers may contact Relay Texas: 800-735-2989 (TTY) and 711 (Voice). Equal opportunity is the law.

We are the low-interest, risk-free alternative to payday loans in East Texas

We offer workplace loans through payroll deduction throughout East Texas

We are the low-interest, risk-free alternative to payday loans in East Texas

We offer workplace loans through payroll deduction throughout East Texass

We are the low-interest, risk-free alternative to payday loans in East Texas

Hello, we are the Community Loan Center of East Texas

Benefits to Employers

Benefits to Employees

The loan program offered through my employer is great. I am able to apply on my phone or computer, on my own time, at a low-interest rate. The best thing is it gets paid back automatically through my employer. It's fast, easy and helps me a lot!

Community Loan Center of East Texas

3800 Stone RoadKilgore, Texas 75662

(903) 218-6467

3800 Stone Road
Kilgore, Texas 75662