Payday Loans in Corpus Christi, TX
If you’re in the midst of a stressful financial situation, we might have a solution for you. AdvanceSOS is a convenient way to get a cash advance to hold you over until your next paycheck arrives. This way, you can immediately cover your bills, car repair charges, or whatever else unforeseen expenses you’re dealing with at the moment.
Scroll down to learn all about our application process, the regulations that come with payday loans online, and more.
How to Apply for a Payday Loan Online in Corpus Christi?
Applying for payday loans is a quick and straightforward process. Make sure you have your social security number at hand and let’s get started.
- Head over to our website and locate the ‘Apply’ button. Here, you’ll need to enter your personal information, which takes less than five minutes of your time.
- Wait for our decision and offers. Most of the time, the replies are instant, and they come with detailed rates and terms.
- E-sign the loan agreement and agree to our terms and conditions.
- Wait for the money to appear in your bank account.
What Will You Need?
While you’re filling up our loan application, you’ll notice that you need to provide us with several personal details. This way, we have proof that you can handle paying off the loan. To ease you into the process, we listed all you need to apply for a quick cash loan:
- A valid, government-issued ID, proving you’re a resident of Corpus Christi and an adult.
- Proof of stable income, preferably at least $1,000 a month.
- Valid contact information (email and phone number)
- An active checking account.
How Much Can You Borrow?
Customers can apply for payday loans in Corpus Christi, TX, both online and in-store. There’s no maximum limit to the loan amount. Yet, the average number is $800. Consumers can also get an installment loan approved up to $1,000. The loan size is very dependent on your eligibility. This includes your ability to pay it off, your income, and more. The majority of our applicants borrow a loan from the following range:
- 100 dollar loan
- 200 dollar loan
- 300 dollar loan
- 500 dollar loan
- 1000 dollar loan
When Will You Receive Your Funds?
Our lender makes sure to send in the instant cash deposit as soon as you’re approved. The transaction usually goes through quickly, and you should have the cash in your balance within hours.
Still, there are some cases where the deposit gets processed the following business day. This can be due to the customer applying after office hours or on a non-working day.
APR and Fees
Loans below $30 charge a $1 fee for each 5$ borrowed. Customers that borrow loans ranging between $30 and $100 need to cover about 10% of the loan amount. So, if you borrow $80, you need to pay the lender $8. Financial advances over $100 come with a fee of $10.
Advance payday loans that range between $35 and $70 have a monthly handling fee of $4. Loans that exceed $70 come with a $4 monthly charge for every $100 you borrow.
There’s no fixed annual percentage rate either, but it often exceeds 400%.
Regulations Surrounding Payday Loans in Corpus Christi
The state of Texas doesn’t dictate a maximum amount of a single payday loan. Payday loans in Corpus Christi, TX, come with two types of terms. Single payday loans need to be paid off between 14 and 31 days, while multiple installment loans are due within six months.
Texas law bans lenders from dividing one loan into two to collect higher interest fees. There’s no cooling-off period either. Additionally, there are also no restrictions on the number of rollovers.
An important fact to note is that payday loans in Corpus Christi, TX, aren’t the only way to go if you need fast financing. We broke down our top five alternatives to payday loans online for you.
Bad Credit Loans
Having a bad credit score makes taking out short-term loans challenging. But AdvanceSOS in Corpus Christi accepts borrowers regardless of credit score. All you need to do is provide proof of stable income and prove that you can pay it off on time.
Title loans can be used as a quick cash advance to cover some unexpected expenses. For this loan, you will use your vehicle as collateral. You can still keep using your car during the loan term while our lender in Corpus Christi holds the title. Once you repay it, you get back the full ownership of the vehicle. If you’re eligible, you can get up to $5,000.
No Credit Check Loans
While a bad credit score can prevent you from getting a traditional loan, we might have the solution. There are plenty of lenders on AdvanceSOS offering no credit check loans. In these cases, our lender will often require proof of income, your employment, and other factors to guarantee their protection.
Payday Loans for Unemployed
Even if you’ve had trouble keeping a job, that doesn’t mean you can’t take out a loan. We also consider other revenue sources, such as retirement, pension, or government benefits. Having a good credit score is a must to be eligible for a payday loan while unemployed.
Legit Payday Loans
Payday loans Corpus Christi, TX, could be a great choice if you need a larger loan. Residents of the 361 code can easily borrow up to $1,000. Even if you have a bad credit score, you can still take out legit small loans. Yet, you’ll have to deal with stricter terms.
ATM Locations in Corpus Christi, TX
|Wells Fargo ATM||4101 S Padre Island Dr, Corpus Christi, TX 78411|
|ATM (Stripes)||2002 Morgan Ave, Corpus Christi, TX 78405|
|ATM (Stripes)||4101 Ayers St, Corpus Christi, TX 78415|
|IBC Bank ATM||4622 Everhart Rd, Corpus Christi, TX 78411|
|ATM (Stripes)||4202 S Staples St, Corpus Christi, TX 78411|
|Corner Store ATM||7201 S Padre Island Dr, Corpus Christi, TX 78412|
|IBC Bank ATM||221 S Shoreline Blvd #A, Corpus Christi, TX 78401|
|Wells Fargo ATM||2727 Morgan Ave, Corpus Christi, TX 78405|
|ATM||3955 US-77, Corpus Christi, TX 78410|
|Corner Store ATM||5202 Ih 37 5202, # Ih-37, Corpus Christi, TX 78407|
|Texas A&M ATM – Corpus Christi – Duggan Wellness Center||2 Curlew Dr, Corpus Christi, TX 78412|
|Corner Store ATM||1602 S Padre Island Dr, Corpus Christi, TX 78416|
|Bank of America ATM (Drive-thru)||14050 Northwest Blvd, Corpus Christi, TX 78410|
|Bank of America ATM (Drive-thru)||4117 S Staples St, Corpus Christi, TX 78411|
|Corner Store ATM||7802 S Padre Island Dr, Corpus Christi, TX 78412|
|IBC Bank ATM||5301 Everhart Rd, Corpus Christi, TX 78411|
|ATM||2754 S Staples St, Corpus Christi, TX 78404|
|IBC Bank ATM||6130 S Staples St, Corpus Christi, TX 78413|
|Corner Store ATM||9401 Up River Rd, Corpus Christi, TX 78410|
|ATM||5301 S Staples St, Corpus Christi, TX 78411|
|Saratoga Cove Apartments||5757 Wooldridge Rd #1, Corpus Christi, TX 78414|
|Corner Store ATM||6401 Saratoga Blvd, Corpus Christi, TX 78414|
|ATM||11001 Leopard St, Corpus Christi, TX 78410|
|Cardtronics ATM||3418 Baldwin Blvd, Corpus Christi, TX 78405|
|ATM||5502 Leopard St, Corpus Christi, TX 78408|
|BBVA Bank ATM Corpus Christi-greenwood||1620 S Padre Island Dr, Corpus Christi, TX 78416|
|Corner Store ATM||4502 E Causeway Blvd, Corpus Christi, TX 78402|
|Corner Store ATM||6330 McArdle Rd, Corpus Christi, TX 78412|
|Cardtronics ATM||6101 Williams Dr, Corpus Christi, TX 78412|
Amanda is a senior writer at AdvanceSOS. She has more than six years of journalism experience, mostly in the finance sector. She graduated with a Bachelor’s Degree from Drew University.