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Are property tax loans a good idea?

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Many Texas homeowners struggle to keep up with their property tax bills. Unfortunately, state, county, and municipal governments are not doing very much to offer help or relief, so where do these property owners turn? Property tax loan lenders provide a fast and flexible solution, but many homeowners are slow to act, wondering whether property tax loans are a good idea.

Why apply for a property tax loan?

There are several reasons why a homeowner may decide to take a property tax loan. Every situation is different, and the burden of property taxes, as well as penalties and interest, can affect each homeowner in different ways. A property owner may seek out a tax loan for any of the following reasons, among others:

To prevent foreclosure: Delinquent property makes foreclosure a real possibility, and many homeowners seek the fast relief of tax loans to prevent this impending risk from becoming a reality. Avoid penalties and other fees: Since tax loans enable the immediate, full payment of a homeowner’s property tax account, the exorbitant penalties, interest, and other fees that tend to accrue can all be eliminated. Tax loan lenders do charge interest, but this is much more affordable than the spiraling debts that can quickly build up on delinquent property tax accounts. Maintaining cash flow: Even if taxpayers have the cash on hand to pay their property taxes, the payment may drain their resources, leaving them without the liquidity they need for other things. A property tax loan can help them cover the debt, while maintaining their cash flow.

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Is a tax loan really a good solution?

Regardless of which of the above situations are applicable to a particular taxpayer’s situation, the question most people ask is whether applying for Texas property tax loan from American Finance & Investment Co., Inc. (AFIC) is really worth it. Here are the main reasons why the answer is a decisive ‘yes.’

Property tax loans instantly remove the burden of debt: Homeowners wishing to prevent foreclosure, avoid unaffordable fees, and maintain their cash flow can find instant relief through a property tax loan.

The process is fast and simple: The process is straightforward and doesn’t include an application. There are no credit checks, no money down, and minimal paperwork. A taxpayer can fill in AFIC’s online form and receive a loan in just a few minutes.

The terms are flexible: County and municipal administrations do not offer homeowners any negotiable terms on their tax bills. They simply have to pay and are charged penalty fees and interest if they don’t. On the other hand, a tax loan from AFIC offers repayment terms that are suited to the taxpayer’s budget. Each borrower pays back the loan in installments with which they are comfortable. Repayment of the principal amount can even be deferred for up to 24 months.

AFIC offers a 30-day rate match: Within the 30 days after a client closes a loan agreement with AFIC, we will match any competitor’s terms or allow the client to move to that competitor, at no additional charge.

AFIC is a trusted brand: AFIC has been providing financial assistance in Texas since 1946 and now focuses primarily on property tax help. So, any homeowner who takes a loan from AFIC will become one of over 75 years’ worth of happy clients.

AFIC’s property tax loans can provide fast, affordable relief from the often unmanageable demands of county and city tax offices throughout the state. You can receive an instant quote by completing the form on our homepage. For qualifying properties, we can help you pay off your delinquent taxes and offer you the following benefits:

  • Quick and completely online process
  • No money down
  • No credit check
  • Free 30-day rate match
  • Match competitors and beat their rate by 1%
  • Avoid high penalties and foreclosure

We pride ourselves on finding solutions to suit the unique needs of our clients. If you would like to discuss our property tax loans, please contact our experienced team at AFIC today.


Loans For Your Unpaid Property Tax
No Money Down
No Credit Check
Rate Match Guarantee
Online Process
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Rates as Low as 8.0% (8.51% APR*) $25,000 loan,
$750 in Closing Costs, 120 Monthly Payments of $303.32

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Proudly Serving Austin (Travis County & Williamson County), Dallas (Dallas County), El Paso (El Paso County), Fort Worth (Tarrant County), Houston (Harris County, Fort Bend County, & Montgomery County), the Rio Grande Valley (McAllen, Pharr, Hidalgo County, & Cameron County), San Antonio (Bexar County), Waco (McLennan County) and the rest of Texas with Property Tax Loans.

YOUR TAX OFFICE MAY OFFER DELINQUENT TAX INSTALLMENT PLANS THAT MAY BE LESS COSTLY TO YOU. YOU CAN REQUEST INFORMATION ABOUT THE AVAILABILITY OF THESE PLANS FROM THE TAX OFFICE.

If you are over 64 or disabled, don’t get a property tax loan, contact your tax office about a deferral.

OCCC License #159698 • NMLS #1778287