Property Tax Loans: Expectations vs Reality


Property tax payments are a thorn in the side of all Texas property owners. They are higher than anywhere else in the country, and they can quickly become unmanageable if left unpaid. Some may not know a lot about property tax loans or have misconceptions about them, but thankfully, most property tax loan expectations do not match reality. In this article, American Finance & Investment Co., Inc. (AFIC) debunks some of the most common misconceptions and myths about taking out loans to pay off property taxes.

Expectation: Tax loan applications are probably hard and time-consuming

When you apply for a loan at a bank, you have to fill in numerous forms, provide all kinds of substantiating documents, and then wait for approval, which could take days or even weeks. Some may think that a tax loan requires the same amount of paperwork and patience.

Reality: Our Tax loans are fast and easy

We don’t have an application! All you have to do is fill in our online estimate form and our loan document needs data, or give us a call. We will provide you with an instant quote, and you can close online the same day. There are no credit checks, and we don’t need you to put any money down.


Expectation: Tax loan repayments are probably rigid and costly

Many people think that, once they are tied into a tax loan agreement, they will be forced into monthly repayment plans that are rigid and onerous, with unwieldy monthly fees payable on a strict timescale. However, that’s what a county payment plan looks like, not a property tax loan.

Reality: Tax loan agreements are flexible and tailored to your repayment capacity

Property tax loans are designed to fit your budget. You agree to make repayments on the basis of what you can afford. You can even defer payments for up to 24 months. Our loans are suited to almost all situations and budgets, giving you the freedom to manage your repayments according to your capacity.

Expectations: Working with a property tax lender is risky

Considering the difficulties that come with Texas property taxes - the already exorbitant rates, the interest, and the costly penalties, which can quickly become unmanageable - not to mention the arduous process of applying for bank loans, many consumers have doubts about acquiring loans from tax loan lenders. Often, property owners don’t realize that the solution to their tax problems could be so easy and accessible. When they discover that the process is really that simple, they sometimes are suspicious about the property tax loan industry.

Reality: A loan from a property lender is completely safe

Consumers can transact safely with property tax lenders, knowing their interests are taken care of. 57,000 property tax loans have been made over the last 5 years of $900 million to Texans just like you. Property tax lenders are regulated by the Texas Office of the Consumer Credit Commissioner. In addition, the Texas Property Tax Lienholders Association (TPTLA) was formed to ensure that industry members meet the highest ethical standards, and AFIC is proud to have its President on the TPTLA board. Lenders such as AFIC need to comply with these institutions at all times to continue operating, and that means that we are held to high standards of financial practice and customer service.

About AFIC

Founded in 1946, American Finance & Investment Co., Inc. (AFIC) started by serving the financial needs of El Paso and has since grown to become one of the top property tax lenders in the state of Texas, with a complaint-free track record for over 65 years, with the Better Business Bureau.

We offer our clients an affordable, hassle-free way to ensure that your account with the local government tax office is paid in full and will work out a manageable repayment plan for you. AFIC can provide you with 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.


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

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