NEXT PENALTY DEADLINE
FEBRUARY 1ST, 2026
Your penalties will increase - act now to save!
That's an additional $200 on a $10,000 tax bill!
Calculate Your Property Tax Savings
See how much you could save in your first year with a property tax loan
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What type of loan do you need?
Please provide the birthdate of the oldest owner on the deed/title:
Are any of the owners on the deed/title to the property receiving SSI disability income or disabled in any way?
Are you currently in bankruptcy at the time of this application?
See why our loan is cheaper than county penalties
💰 By using our loan, you save $3,098 in the first year alone—and that's just the beginning! County penalties compound and grow worse each year, while your loan payments stay predictable and affordable.
💡 Can't pay your taxes right now? Getting our loan costs just $990 in closing costs and $396 in interest—way cheaper than the $2,377 in county penalties!
💰 Your First-Year Savings (And Beyond!)
The Glass is Half Full: Save thousands in the first year alone—with even more savings in years 2, 3, and beyond as county penalties continue to compound.
The Glass is Half Empty: Can't pay your taxes right now? Don't let county penalties drain your wallet. Our loan is the cheaper, smarter option.
July 1st Warning: Texas counties add 20% attorney fees (that's $2,000 on a $10,000 tax bill!).
Bottom Line: Pay $662 in interest or $4,753 in penalties—your choice.
| Month | ✅ Our Loan
Cost (12% APR on $10,000) |
❌ County Penalties (If You Don't Pay) |
|---|---|---|
| February | $55.16 Monthly Interest |
$700.00 (7% penalty) Balance: $10,700.00 |
| March | $55.16 Monthly Interest |
$214.00 (2% penalty) Balance: $10,914.00 |
| April | $55.16 Monthly Interest |
$218.28 (2% penalty) Balance: $11,132.28 |
| May | $55.16 Monthly Interest |
$222.65 (2% penalty) Balance: $11,354.93 |
| June | $55.16 Monthly Interest |
$227.10 (2% penalty) Balance: $11,582.02 |
| July* | $55.16 Monthly Interest |
$2,316.40 (20% attorney fee) Balance: $13,898.43 |
| August | $55.16 Monthly Interest |
$138.98 (1% penalty) Balance: $14,037.41 |
| September | $55.16 Monthly Interest |
$140.37 (1% penalty) Balance: $14,177.79 |
| October | $55.16 Monthly Interest |
$141.78 (1% penalty) Balance: $14,319.57 |
| November | $55.16 Monthly Interest |
$143.20 (1% penalty) Balance: $14,462.76 |
| December | $55.16 Monthly Interest |
$144.63 (1% penalty) Balance: $14,607.39 |
| January | $55.16 Monthly Interest |
$146.07 (1% penalty) Balance: $14,753.46 |
| YEAR 1 TOTALS | $661.92 | $4,753.46 Final Balance: $14,753.46 (47.5% rate) |
* July marks when Texas counties typically impose 20% attorney collection fees
💰 By using our loan, you save $3,098 in the first year alone—and that's just the beginning! County penalties compound and grow worse each year, while your loan payments stay predictable and affordable.
💡 Can't pay your taxes right now? Getting our loan costs just $990 in closing costs and $662 in interest—way cheaper than the $4,753 in county penalties, interest, attorney fees, and court costs!
You're in Charge: A Smarter Way to Borrow
Flexible Payments That Fit Your Life
You only need to make the agreed minimum payment each month. That gives you a steady plan you can count on. But when you have extra income—like a bonus, tips, or freelance gigs—you can pay more. Every extra dollar goes to your principal, helping you finish sooner and pay less interest overall. You're always in control.
Fair Features That Put You First
$0 to Get Started
No big down payment needed. This helps if you're saving money, just starting out, or
managing unexpected costs.
No Penalty for Paying
Early
Pay off your loan faster, whenever you're ready. There's no fee for paying ahead,
and doing so can shrink the total amount of interest you owe.
Low Impact on Your
Credit
Most of the time, your payments won't show up on your credit report. That means
missing a payment might not lower your score. But on-time payments usually won't
help build credit either. Some lenders may use other ways to understand your
financial habits, like your job history or bank activity. Be sure to ask.
Who This Supports
- People with changing income, like gig workers or freelancers
- Students and young adults learning to manage money
- Families who want flexible, low-stress financing
This type of loan removes the usual blockers—like strict credit checks or big up-front costs. It's built to work with your life, not against it. You get room to breathe, space to plan, and the chance to succeed on your terms.
The Bigger Picture: A New Way to Borrow
Lending is changing. More companies are using real-life data—like rent, subscriptions, or savings habits—instead of just credit scores. That means more people can get fair access to money, even if they're just starting out or don't have a long credit history. It's not just a loan—it's a shift toward financial fairness.
Heads Up: Every loan is different. Rules, fees, and reporting can change based on the lender and where you live. Always read the full agreement and ask questions if you're unsure. A trusted adult or financial advisor can help explain the details.
November 2024
Processing Your Application
You've Taken a Smart Step—Let's Protect What Matters
Hi, I'm Kevin—your dedicated loan officer. Whether you're dealing with rising property taxes, foreclosure risk, or want more financial stability, we're here to help protect your property and preserve your equity—with clarity and support.
Kevin – Senior Loan Officer
Proudly helping Texas property owners protect what they've built since 2008.
Let's Get Your Approval Code
📋 Legal Disclosures & Important Information
We Pay Property Taxes (Powered by Panacea Lending)
NMLS #: 1639124
Texas OCCC License: 158475
Licensed Texas Property Tax Lender
NMLS
Consumer Access
Team NMLS Licenses:
- ANDREW MOON – NMLS #1639045
- ANDRE CARDENAS – NMLS #353915
- KEVIN WADE – NMLS #353857
- IVONNE ISLAS – NMLS #1006715
- APOLINARIA CARDENAS – NMLS #346524
⚠️ IMPORTANT NOTICE: We Pay Property Taxes (Powered by Panacea Lending) is not a government agency. We are a private company licensed by the State of Texas to provide property tax lending services.
Homestead Properties: No origination fees. Closing costs: $990. Interest rate: 12%. APR range: 14.24% - 12.55% for terms from 2-10 years.
Commercial Properties: Total fees: $1,793.60 (includes OCCC fees and other costs). Interest rate: 12%. APR range: 15.41% - 12.84% for terms from 2-10 years.
Example (Homestead): For a $10,000 property tax loan with 12% interest rate over 5 years (60 months), monthly payment would be $244.47 (APR: 12.98%), with total amount paid of $14,668.20.
Repayment Terms: Loans are repaid in equal monthly installments over terms ranging from 2 to 10 years. Fixed interest rate of 12%. APR varies by term length and includes all fees. No balloon payments required. Monthly payments include principal and interest.
Residential/Homestead properties: No prepayment penalties. You may pay off your loan early without additional charges.
Commercial properties: No prepayment penalties. You may pay off your loan early without additional charges.
Additional Costs: Additional costs may apply after closing, including but not limited to: late payment fees, returned payment fees, and lien release fees. All fees are disclosed in your loan agreement.
County installment plans may be available directly through your tax office and may be less costly. Contact your county tax assessor-collector to inquire about installment plan options.
Age 65+/Disability Exemptions: If you are 65 years of age or older or disabled, you may qualify for property tax exemptions, deferrals, or special installment plans directly with your county. These programs may offer better terms than a property tax loan.
Texas Property Tax Penalty and Interest Chart
June 6, 2022
If you do not pay your property taxes by their due date (typically January 31), penalties and interest will accrue:
In Texas, you are considered delinquent if your property tax bill remains unpaid by February 1st of the tax year. Once delinquent, you are subject to a 7% penalty and from there interest and penalties continue with one of the largest penalties coming in July for most counties. Every month that you're still past due, your rate will increase by another 2%. The longer you allow delinquent property taxes to go unpaid, the more penalties and interest are added to your bill, that's why it's important to pay your tax bills as soon as you can to avoid these costly fees.
| Month | Penalties & Interest | Attorney Fees | Total % Increase |
|---|---|---|---|
| JAN | - | - | - |
| FEB | 7.0% | - | 7.0% |
| MAR | 9.0% | - | 9.0% |
| APR | 11.0% | - | 11.0% |
| MAY | 13.0% | - | 13.0% |
| JUN | 15.0% | - | 15.0% |
| JUL | 18.0% | 20.0% | 41.6% |
| AUG | 19.0% | 20.0% | 42.8% |
| SEP | 20.0% | 20.0% | 44.0% |
| OCT | 21.0% | 20.0% | 45.2% |
| NOV | 22.0% | 20.0% | 46.4% |
| DEC | 23.0% | 20.0% | 47.6% |
Source: Texas Comptroller, 2021 and 2022 Penalty and Interest Chart
⚠️ Important Note: *The collection penalty will be 15% or 20% of the total taxes, penalties, and interest due, depending on your taxing jurisdiction. Travis County may not apply attorney fees until a legal foreclosure process is begun. After July 1, your property may be subject to foreclosure proceedings. Acting early can save you significant penalties and legal fees.
Right to Cancel: You have the right to cancel this transaction within three (3) business days from closing without penalty.
Property Tax Loan Notice: Property tax loans are secured by a tax lien transferred from your taxing authority. Failure to make payments could result in foreclosure proceedings.
Alternative Options: Before entering into a property tax loan, you should explore other options including:
- Payment plans with your tax office
- Home equity loans or lines of credit
- Personal loans from banks or credit unions
- Property tax deferral programs (if eligible)
This loan product is regulated by the Texas Office of Consumer Credit Commissioner (OCCC).
OCCC Contact Information:
Phone: 1-800-538-1579
Website: https://occc.texas.gov/
File a Complaint:
Consumer Financial Protection Bureau
www.consumerfinance.gov/complaint
Phone: 1-855-411-2372
Privacy & Data Security: Your personal information is protected according to Texas state and federal privacy laws. We use industry-standard encryption to secure your data.
Truth in Lending: This disclosure is provided in accordance with the Federal Truth in Lending Act (TILA), 15 U.S.C. § 1601 et seq., and Regulation Z, 12 CFR Part 1026.
🏠 Equal Housing Opportunity. We do not discriminate on the basis of race, color, national origin, sex, handicap, familial status, or religion.
Americans with Disabilities Act: We are committed to providing equal access to our services for individuals with disabilities. For assistance, please call (833) 937-2982.
Notice Required by Texas Property Tax Code §32.06:
"The property tax lender is transferring an existing lien from your taxing units to the property tax lender. A tax lien transferred to a property tax lender is superior to any other lien on the property, including a purchase money mortgage lien or a vendor's lien. If you fail to make payments to the property tax lender, the property tax lender may foreclose the tax lien and you may lose your property."
Homestead Protection Notice:
Texas Constitution Article XVI, Section 50 provides special protections for homestead properties. Property tax loans on homestead properties must comply with specific requirements including a 3% closing cost cap and mandatory counseling for certain borrowers.
Senior Citizen & Disabled Person Notice:
If you are 65 years of age or older or disabled, you may be eligible for a property tax deferral or installment payment plan directly with your county. These programs may offer better terms than a property tax loan. Contact your county tax assessor-collector for more information.
Frequently Asked Questions
Resource: Texas Comptroller: Paying Your Taxes
Resource: Texas Tax Code §33.41 – Suit to Collect Delinquent Tax
Resource: Texas Tax Code §32.06 – Property Tax Loans; Transfer of Tax Lien
Resource: Texas Comptroller: Property Tax – Tax Bills & Delinquency
Resource: OCCC – Consumers (help & rights)
Resource: Texas SOS – Business Filings (Entities)
Resource: Texas Tax Code §§32.06 & 32.065 – Transfer & Foreclosure of Tax Liens
Resource: Texas Finance Code Ch. 351 – Authorized charges & disclosures
Resource: CFPB Reg E §1005.10 – Preauthorized Transfers (ACH)
Resource: Texas Tax Code §32.06 – Transfer of Tax Lien (refinance mechanics)
Resource: OCCC – Verify licensing & complaints
Resource: Texas Finance Code §351.012 – Applicability (Property Tax Loans)
Resource: Texas Tax Code §32.06 – Transfer process & timelines
Resource: Texas Tax Code – Chapter 33: Delinquent Tax Collection
Resource: CFPB: What is an escrow account?
Resource: Texas Estates Code – Chapter 203: Proof of Heirship
Resource: Texas Tax Code §34.01 – Sale of Property
Important Notice - Required by Texas Law
YOUR TAX OFFICE MAY OFFER DELINQUENT TAX INSTALLMENT PLANS THAT MAY BE LESS COSTLY TO YOU. YOU CAN REQUEST INFORMATION ABOUT THE AVAILABILITY OF THESE PLANS FROM THE TAX OFFICE.
If you are 65 years of age or older or disabled, you may be eligible for property tax exemptions, deferrals, or installment plans directly with your county. These programs may offer better terms than a property tax loan. Contact your county tax assessor-collector for more information or visit Texas Comptroller Exemptions.