Western Shamrock and Renewalfinancial.com have partnered to provide financial education that helps consumers understanding the complex financial issues of banking, budgeting, creating wealth, credit, homeownership, identity theft and insurance. This information is designed to help consumers improve their financial situation by moving into the financial mainstream. We have partnered with Members, United States Senators, State Legislators, Federal and State Regulators, installment lenders, bankers, community and faith-based organizations and others to conduct research and educate them about the important role that Western-Shamrock plays in providing capital to credit-challenged consumers.

Western Shamrock Corporation is an industry leader in the consumer installment loan business with over 150 branches located in five states (Texas, Oklahoma, New Mexico, Missouri and Tennessee) and Mexico. We offer a wide range of loan products including:

• Secured and unsecured loans up to $5000 (selected states)
• Credit Starter and credit repairloans
• Consumer Merchandise sales
• Tax preparation services

Whether you are looking for one of our many financial services products, a rewarding and exciting career or information about our company or industry; Western Shamrock Corporation is your answer. Over 35 years of experience with an unmatched dedication to our customers and employees is what sets us apart from the competition and makes us a leader in the industry. From the moment you visit our professional and attractive locations or call our team members on the phone you will appreciate the level of superior customer service, the experience and knowledge of our well trained team members and the assurance that your financial needs are and will be met in a confidential, private and secure manner.

Renewal Financial Services, LLC, is specifically focused on building networks that improve accessible to unbanked, underbanked and thin-filed consumers. We serve as a catalyst for change at the point of service within the community. According to the United States Federal Reserve and Federal Deposit Insurance Corporation (FDIC), the fringe financial service market consists of consumers who are predominately unbanked, underbanked and thin-filed. This market also includes:

• Twenty-eight percent (28%) of the adult American population (53% of whom are African-American and Hispanic)
• An estimated 80 million people in the U.S. with credit scores of 660 or below
• An estimated 54 million individuals with no credit score or a “thin” credit file
• Consumers who live in income polarized communities where mainstream financial service organizations have either left the market or have seriously curtailed their offerings
• People who live in communities with cash economies and believe a bank account does not make sense for their cash-driven transactions
• Individuals who live in communities that have high debt-to-income ratio and lower levels of education causing higher unemployment rates, experience special needs such as major medical bills, cash purchases of household appliances, incarceration, etc. and lack financial discipline and/or foresight
• Consumers who live in communities that often require them to rely on sub-prime mortgage companies, pawn stores, check cashing outlets, rent-to-own merchandisers, payday advance loan companies, auto title loan firms and refund anticipation loan organizations to meet their financial needs

Western-Shamrock plays an important role in providing low-cost capital to consumers who are credit-challenged and who are either denied access to mainstream banking services or are charged exorbitant fees by payday lenders. Although there is clear justification for the rates charged based on no collateral requirement, installment payments, credit checks and other important features, Western-Shamrock’s partnerships with elected and appointed officials, faith and community-based organizations, as well as consumer advocates educate consumers and provide financial resources where needed so they can eventually overcome the extra fees. This company is clearly different from fringe financial service organizations that charge high interest rates and significant collateral. Western-Shamrock provides direct and ancillary educational benefits to consumers through its partnerships with Renewalfinancial.com.

In partnership with Sun Loan®, Renewalfinancial.com has designed the Renewal Coach to help consumers address the complex financial issues they experience on a daily basis. This patent pending tool provides a personalized and customized gameplan to address various financial situations experienced by consumers. It helps you establish your financial goals and objectives. The Renewal Coach sets forth the “Renewal Five” which maps where the consumer is, where they’d like to be, how they plan to get there, how they will know when they’ve arrived and what to do if unsuccessful. The coach can help you build a personalized budget, financial and investment strategy to help you achieve your financial goals and objectives. If you would like to gain more information about the Renewal Coach, go to renewalfinancial.com/coach.

In partnership with Sun Loan®, Renewalfinancial.com provides access to a classroom module providing financial information on Banking, Budgeting, Creating Wealth, Credit, Homeownership, Identity Theft and Insurance. Consumers can view each lecture series, take tests based on course content, immediately get test results, and derive additional sponsor support benefits based their success completion of this process. If you would like to gain more information about the Renewal Classroom, go to renewalfinancial.com/classroom.

Renewalfinancial.com has provide additional tools in partnership with VISA and Sun Loan® to help rework budgets, calculating allowances, calculating interest on a car loan, how to save a million dollars, calculating the true cost of a loan and calculating the cost of credit, among others. Additionally, the Renewal Tools section provides games that help teach children and adults about saving, budgeting and general money matters. If you would like to gain more information about the Renewal Tools section, go to renewalfinancial.com/tools.