The Community Loan Center of the Heart of Texas (CLC-HOT) recruits employers in McLennan & Bell counties to offer an innovative, small dollar loan program to their employees.  The CLC-HOT program is offered at no cost to participating employers in their service territory.  When an employee at a participating employer needs a loan, they can apply by clicking on the “Apply Now” button on the CLC-HOT website.

An eligible employee can apply for a CLC-HOT loan online anytime.  The CLC-HOT loan approval process is quick and easy since the entire loan application process is automated and credit underwriting is not required.  After the employer verifies employment of the employee/borrower, the employee signs the loan documents online.  CLC-HOT loan proceeds are then transferred directly into the borrower’s bank account.  CLC-HOT loan repayment plans begin on the employee’s next payday through payroll deduction.  The CLC-HOT earns the interest from repayment of the loans.

 Community Loan Center the Heart of Texas loans feature:

  • No Collateral
  • Affordable Repayment Options
  • No Pre-Payment Penalties
  • Quick Approval
  • Streamlined Underwriting
  • No Credit Reports


CLC-HOT borrowers may access their account anytime online.  The innovative website eliminates the need for storefronts and high overhead costs resulting in much lower loan costs.  The CLC-HOT program provides free, no obligation financial counseling to all CLC-HOT borrowers.  The CLC-HOT financial counselors help borrowers become more financially empowered to manage their personal finances and to use credit responsibly.

The CLC-HOT model is customer centric and engages community lenders who understand the needs of consumer loan borrowers.  The overarching goal is to help CLC-HOT borrowers meet current and ongoing financial obligations and achieve a sense of security in their financial future.


For additional information about the Community Loan Center of the Heart of Texas, please contact:

(254)753-7337 Ext. 136