About Us

River City Finance was established March 1, 2000. Designed to help consumers with bad credit, previous bankruptcies, medical collections, etc., River City Finance helps them re-establish their credit with secured personal loans from $500 to $10,000. River City Finance does NOT use credit scoring during the approval process. Instead, the consumer's credit HISTORY is pulled, which gives a more accurate picture of their credit worthiness.

Some pre-qualifications for a loan are:

  • MUST LIVE IN LENDING AREA AT LEAST 6 MONTHS PRIOR TO APPLICATION PROCESS

  • MUST WORK AT CURRENT JOB AT LEAST 6 MONTHS PRIOR TO APPLICATION PROCESS

  • DEBT TO INCOME RATIO MUST BE LESS THAN 50%

  • PAYSTUBS, 1099 FORMS, AND/OR OTHER PROOF OF INCOME REQUIRED IF APPROVED

 

Sometimes applicants may not fit all pre-qualifying criteria on their own, but may qualify with a co-maker. Co-makers MUST meet the above stipulations, as well as, the following:

  • MUST BE IMMEDIATE FAMILY MEMBER OF PRIMARY APPLICANT

  • MUST BE A HOME OWNER

  • MUST BE AT CURRENT JOB (OR SOURCE OF INCOME) FOR AT LEAST 3 YEARS

  • MUST QUALIFY FOR LOAN ON THEIR OWN

* All terms and conditions subject to approval and may change at any time without notice.

How's your credit?


All U.S. Citizens are allowed to pull their credit history from all 3 credit bureaus for FREE without affecting their credit score ONCE every 12 months. This should be done to monitor for credit fraud, misreporting, or other possible errors. For more information, visit www.annualcreditreport.com.

 

Credit Reporting

 

River City Finance reports monthly to TransUnion the current ratings on all open lines of credit. For more information about how we report your credit, please contact us at (270) 686-3002. If you feel your account has been reported incorrectly, please send, in writing, a detailed description of the correction that needs to be made to our office.