About Us


VICKY DE LA CRUZ

Chief Executive Officer

You work hard to earn a living for you and your family. Unfortunately, due to poor credit or lack of credit history, borrowers get turned down for lending by traditional banks. They are made to pay high-interest rates on loans and debts. Furthermore, due to lack of knowledge on how personal and business credit works, the American working class and small business owners are denied the economic opportunity to get ahead.

I am passionate about helping hardworking Americans and small businesses improve their financial life by sharing my knowledge of credit and banking to find the right financial solution to achieve their financial dreams. Whether it is to fix your credit, buy a new car, a new home, or expand your business, I am here to help you.

I graduated from Texas Tech University in 2001 with a degree in business. I worked at Bank of America for over 14 years and held numerous positions within the company. I started as a teller and worked my way up to Vice President. There I became proficient and knowledgeable on how banks and other financial institutions work. My husband and I also had financial difficulties as we started our family. I understand how difficult it can be to raise children and maintain a career while meeting all of life’s demands. I started V&D in 2017 and since then, with the grace of God, have looked forward every day to helping clients achieve their goals and dreams.

At V&D Financial, LLC, our vision is to improve our clients’ financial life by going the extra mile, making their financial dreams our personal goal.


DARIO MONTOYA

Chief Executive Officer

Do Not Pass By A Man In Need, For You May Be The Hand Of God To Him. (Proverbs 3:27)

I formed V&D Financial in 2017 to help people who are being affected by credit problems. I noticed that many Financial Industries would repeatedly turn away clients without truly helping the clients because the clients do not have ideal credit. It truly bothered me how Financial Industries would not inform clients why the client was declined, “except you will get a letter in the mail within 7 to 10 business days.” Our company history and core values are to truly help people reach their financial goals by analyzing your credit and financial needs and then correcting the credit problems. Now V&D Financial has more than 200+ financial institutions that we team with and a variety of products and services to help you reach your financial goals.

Normally people define my company success by how quickly we have grown, but at V&D Financial, my greatest joy comes from knowing that every day I make a difference in improving someone’s financial life and I take personal fulfillment helping my clients' financial goals become a reality. At V&D Financial we define our success by the number of peoples lives we have truly changed! Our Mission is to help all V&D Financial clients and future clients accomplish their financial goals because at V&D Financial your goals are our goals and we will accomplish them together! We understand that your financial goals are not just about money, but are your life goals and dreams for you and your family.