desCommerce Finance is a small consumer loan facility. We provide quick, personal, confidential loan services. All our loans are in equal installments (installment loan), precomputed interest, and no additional fees (other than allowed by each state). There is no penalty for paying off early. The Commerce Finance Family of Companies are traditional installment lenders, offering consumer loans at convenient locations in four states – Texas, Oklahoma, Missouri and Illinois. Traditional installment loans are safe and affordable, regulated by the State and Federal governments, and for over 100 years have been an excellent credit option for consumers. Our installment plans generally run from 6 to 15 months with loan terms that include equal monthly payments (no balloon payments or prepayment penalties). Loan amounts vary by State, ranging from $150 to $4,000, depending on applicable laws. Whether you’re looking to open a new loan, re-open a previous account or refinance your existing account, we offer plans that work for you.