A clear answer is a good start.
Search the topics below, or open a question to read its answer.
How do I ask about a loan?
Call or visit an O R Financial Services location to discuss loan options and application steps. Apply online or contact a branch about your application. For payments and account enquiries, call your branch.
Where does O R Financial Services serve customers?
O R Financial Services serves customers in Del Rio, Eagle Pass and Laredo, Texas. Visit the locations page for addresses and phone numbers.
Where are the O R Financial Services locations?
The company serves customers at its Del Rio, Eagle Pass and Laredo locations. Call or visit a branch to discuss loan options.
Does the calculator show an APR?
No. It uses a nominal annual interest rate and no fees. A disclosed APR may include finance charges. The tool is not an APR disclosure or a lender quote.
Why can the final calculator payment differ?
Interest and payments are rounded to cents in each monthly row. The regular payment is adjusted upward when needed to avoid a larger final payment. The final payment can be smaller by more than a few cents, and the schedule can end before the entered term.
Will using the calculator affect my credit?
No credit report is requested. Calculation takes place in your browser and does not submit a loan inquiry.
Can I download the payment schedule?
Yes. Use Download CSV below the calculator. The file is generated in your browser. You can also print the schedule.
Where can I learn about the company?
The company records page lists dated company roles, Texas licence issue dates and OCCC actions.
How do I make a payment on an existing loan?
Contact an O R Financial Services location by phone or in person about an existing account. Online payments are not available through this website.
Where can a Texas consumer get help?
The Texas OCCC offers consumer assistance and complaint information. The contact page links to the official resources. An agency link is not a guarantee of resolution.
Is there information in Spanish?
Yes. The Spanish section includes core loan products, a calculator, a checklist, FAQs and consumer-assistance links.
Are calculator examples loan quotes?
No. Calculator examples use the assumptions stated on the page. Call a location for details about loan options and terms.
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