Who We Are

Founded in 1995, the Rio Grande Valley Multibank (RGVMB) is a Community Development Financial Institution (CDFI) certified by the United States Department of Treasury. Our mission is to provide financial products and development services, particularly in the area of affordable housing and consumer lending. All earnings are reinvested into the program for expansion and lending capital.

The Community Loan Center (CLC) was established in 2011 by the RGV MultiBank in order to offer the affordable, risk-free alternative to payday and car title loans. The small dollar loans are low-interest, low-fee, unsecured personal loans. Since October 2011, CLC has loaned $71 million to borrowers across Texas.

Why Borrow From Us?

We Save You Hundreds of Dollars

For a $1000 loan due in 1 month, the average payday lender charges $775 in fees. We charge only $120 in fees - and we let you repay the loan in 12 months.

You save over $600 & you have 11 more months to repay the loan.

Want access to your account online?

Do you already have a loan with us? Log in to see your balance, payment amount, set up a payment, get document copies, and more.

For questions about your loan, please call the Community Loan Center at (956)356-6600.

How It Works

Online Application

Apply Now


Once obtaining your employment verification and signature, your loan will be deposited into your checking account in 2 business days


Loans are automatically repaid through payroll deduction



Loans from $400.00 to $1000.00

Payback period is 12 months

18% Interest; $20 administrative fee

21.83% APR, $1,000.00 Loan, 12 Months


No credit history or collateral needed

No prepayment penalties

  • Minimum age to apply is 18
  • Working at a participating employer for a minimum of 3 months
  • Checking account
  • Driver license or passport number
  • Social security number

Your employees are more productive when they are financially stable

Benefits to Employers

Attract And Retain Talented Employees

Zero Cost To You

Loan Payments Are Fully Automated

How It Works

When an employee applies for a loan, we ask you to verify their employment. Once approved, we send you the employee’s loan repayment schedule so you can set up the automatic payroll deduction.

Becoming a Participating Employer is Simple

Sign our Memorandum of Understanding and then arrange a time for us to train your payroll staff on our simple & fully automated software

If you are an EMPLOYER interested in the Community Loan Center, please contact The Community Loan Center of San Antonio at (210)518-2500, Ext. 26921.

Community Supporters

Financial Supporters

This site has been brought to you by IBC Bank

You may qualify for other credit products. Please visit ibc.com for more information.

130 East Travis, San Antonio, TX 78205, United States (210)518-2500 Ext. 26921