How it works…
Empower your financial journey with Cliff’s Finance—your trusted partner in building a stronger credit profile. Offering installment loans ranging from $100 to $1,800, our loans are not only credit-building but also come with the assurance of being state-regulated and competitively low in interest rates. Proudly locally owned and serving you at 27 convenient locations across the DFW area, Cliff’s Finance is dedicated to delivering unparalleled value and service, making us the premier choice in North Texas.
We understand the importance of accessibility and quick decisions in financial matters. That’s why most of our credit decisions are made within an hour, following our credit underwriting standards. Our goal is to personalize a loan that aligns perfectly with your financial needs, allowing you to make repayments over time rather than facing the pressure of a lump-sum payment.
Choose flexibility with Cliff’s Finance
- Pay off your loan early and enjoy savings with no hidden fees
- Build your credit with Cliff’s—we report to the credit bureau to help strengthen your financial profile
- Pay at your convenience, online 24/7
- Licensed by the Texas Office of Consumer Credit Commissioner
To Be Eligible, You Must
- Must be Texas Resident
- At least 18 years of age
- Have a contact phone number
- Possess a valid government-issued photo ID
- Provide proof of residency (lease, utility bill, etc.)
- Provide proof of income (pay stub, direct deposit report and bank statements
- Must have direct deposit of your income
More Options Through Our Trusted Partners
At Cliff’s, our first priority is to serve you with safe, regulated installment loans. But if an installment loan isn’t the right fit, we’ve built strong relationships with trusted referral partners who offer payday loans and title loans. While Cliff’s does not originate or service these types of loans, we can connect you with a lender who may be able to help.
Disclaimer
Cliff’s Finance is licensed by the Texas Office of Consumer Credit Commissioner to offer state-regulated installment loans. We do not originate, service, or guarantee payday loans or title loans. Any referral to a third-party lender is provided solely as a convenience to our customers. Loan terms, conditions, and approvals for payday or title loans are set independently by those lenders.
Will you check my credit?
We reserve the right to check credit when applying for an installment loan, But we will not always check credit. No credit will be checked on other types of loans.
The loan amount that I requested was not approved. Why?
At Cliff’s Finance, we have a strict method of underwriting that takes into account your employment history, monthly items on your budget including your income, household expenses, gas, food expenses etc. If our scoring system indicates that you will not have enough funds to cover your monthly payment, we can only approve an amount that fits into your budget. It is our way of helping you without getting you into a loan you simply can’t afford to repay.
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