Employees Finance Service

Installment loans · 4701 Ayers St #604, Central City

★ 4.4 · 34 ratingsHours listed

Should you go here?

Many bad reviews, and Texas caps what it can charge.

Borrowers leave more bad reviews here than at 83% of Corpus Christi stores. Ask for the total of all payments, not the monthly figure, and compare a credit union first.

Watch out

What borrowers say4.4★

34 ratings. Nothing comes up often enough in its reviews to call out.

What borrowers say ↓

Watch out

Bad reviews15%

of its written reviews are 1–2★, a higher share than at 83% of Corpus Christi stores.

How it compares ↓

Check it

What it costsCapped

Texas sets the maximum charges. Ask for the total of all payments.

Check it

LicenceLook it up

Loan stores in Texas need an OCCC licence for each location. Check this one before you sign.

OCCC licence search ↗

A cheaper routeAsk a credit union about a small-dollar loan first →0.0 mi away · small loansCoastal Bend Loans — ★ 5.0, few bad reviews →

From ratings and written reviews of this store. Checked September 2026. We don’t lend and no store pays us.

How it compares

Against every loan store in Corpus Christi.

Rating

4.4Higher than 19% of Corpus Christi loan stores. City average is 4.7.

Lowest rated in Corpus ChristiHighest

Bad reviews (1–2★), share of written reviews

This store15%

Average Corpus Christi installment loan store9%

What borrowers say

Stars in its 33 written reviews

5★26
4★2
3★0
2★0
1★5

Latest review Aug 2026 · 2 in the last year · Owner replied to 21 of 33

No one thing comes up often enough to count as a theme.

What it costs

Capped by Texas law

Installment lenders need an OCCC licence and Texas sets the maximum they may charge. Ask for the total of all payments in dollars, not just the monthly figure.

Before you go

What to take, and what to ask before you sign.

Bring these

IDProof of incomeBank statementsSSN or ITINProof of address

At the store

Wheelchair access · Apply online first

What to bring is from their website.

Ask these at the counter

1
What is the total of all payments, in dollars?
Not just the monthly figure. Ask whether insurance is added, and whether it is optional.
2
What happens if I’m late?
Ask for the late fee in dollars and whether they call your employer or references.
3
Can I pay it off early?
Ask them to confirm there is no charge for paying early.

Installment loans in Texas: how they work, your rights, how to get out →

Check the licence: OCCC licence search or call 800-538-1579.

A cheaper route

Before you borrow here, ask a credit union about a small-dollar loan.

A Payday Alternative Loan (PAL) from a federal credit union is $200–$2,000, repaid over 1–12 months, capped at 28% a year plus a $20 fee at most. You usually join the credit union first, which can take a day.

Nearby alternatives

The closest real storefronts — at least two take a different route. Numbers match the map.

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About this lender

Installment loans.

An independent business, not part of a chain.

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