​​Who We Are

The Community Loan Center of the Heart of Texas (CLCHOT), administered by NeighborWorks Waco, has completed all the paperwork required to become a not-for-profit organization and a licensed lender in the State of Texas. 

In November 2016, the Community Loan Center of the Heart of Texas was launched. The Community Loan Center provides an affordable small-dollar loan program to area businesses, allowing them to offer loans as a benefit to their employees. The concept of the Community Loan Center was originally created to help people meet individual needs for short-term loans that are quick and easily accessible. It was designed to provide an alternate source of loans away from local payday and auto title lenders with high-interest rates and fees. CLC HOT wants to offer innovative loans that promote enhanced quality of life to low-to-moderate income persons. 

NeighborWorks Waco is a non-profit whose mission is “to build stronger neighborhoods through homeownership, quality rental housing, and community-building initiatives." NeighborWorks Waco offers services that include one-on-one financial and homebuying counseling, educational workshops, rental programs, new construction homes, and full lending services.


Any consumer wishing to file a complaint against the Community Loan Center of the Heart of Texas should contact the Office of Consumer Credit Commissioner through one of the means indicated below:

In Person or U.S. Mail: 2601 North Lamar Boulevard, Austin, Texas 78705-4207.

Telephone No.: (800) 538-1579(800) 538-1579 FREE. Fax No.: (512) 936-7610.

E-mail:  Website: 

Contact Info: 
(254) 752-1647



8:00am - 5:00pm