Payment 1 Loans - Corpus Christi
Title loans · also installment loans, tax preparation · 4212 Ayers St, Central City
★ 4.9 · 425 ratingsHours listed
Should you go here?
Average reviews, but the loan itself is expensive.
Its share of bad reviews is about average for Corpus Christi. The risk is the product: fees are high and your car is the collateral. Compare a cheaper option first.
425 ratings. Known for fast service. The owner answers complaints.
of its written reviews are 1–2★, a lower share than at 53% of Corpus Christi stores.
In fees on a $1,000 loan, at the Corpus Christi area average. Texas sets no cap on these fees.
Title-loan cars in the Corpus Christi area were repossessed last quarter (OCCC, Q2 2026).
Loan stores in Texas need an OCCC licence for each location. Check this one before you sign.
From ratings and written reviews of this store and state fee data (OCCC, Q2 2026). Checked September 2026. We don’t lend and no store pays us.
How it compares
Against every loan store in Corpus Christi.
Rating
4.9Higher than 47% of Corpus Christi loan stores. City average is 4.7.
Lowest rated in Corpus ChristiHighest
Bad reviews (1–2★), share of written reviews
Bad reviews by year · 1% in 2026
What borrowers say
- Ask for Kayla or Tammy
- Known for fast service
- The owner answers complaints
Counted in 292 written reviews. Bars: mentions per 100.
What borrowers appreciate
Work out what you’d repay
Title lenders in the Corpus Christi area report an average fee of $18.81 per $100 for 30 days (OCCC, Q2 2026). Texas sets no cap on these fees, so ask this store for its own.
I want to borrow
and pay it back
You’d pay in total
$1,188
$1,000 you borrowed$188 in fees
Paid back in one go after about a month. If you can’t pay, renewing costs another $188 each month and doesn’t reduce what you owe.
Before you go
What to take, and what to ask before you sign.
Bring these
At the store
Walk in, no appointment · Wheelchair access · Apply online first
What to bring is from their website.
Ask these at the counter
- 1
What is the total I’ll repay, in dollars, and when?
Ask for it in writing before you hand over your title.
- 2
What happens if I’m late?
Ask how many days before they can take the car.
- 3
Can I pay it off early, and is there a fee?
Texas law says your contract must allow early payoff with no penalty. Ask them to confirm.
Car title loans in Texas: how they work, your rights, how to get out →
Check the licence: OCCC licence search or call 800-538-1579.
Need $1,000 for 3 months? A credit-union loan could save you about $497.
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.
- 1Checks Cashed Loans Debit CardsCheck cashing · 0.1 mi
- 2ACE Cash ExpressPayday loans · 0.1 mi★ 4.9Few bad reviews
- 3Atlas Finance CoInstallment loans · 0.1 mi★ 4.8Many bad reviews
- 4B & F FinanceInstallment loans · 0.1 mi★ 4.2
- 5Western FinanceInstallment loans · 0.1 mi★ 4.9Few bad reviews
- 6First Cash PawnPawn loans · 0.2 mi★ 3.9Many bad reviews
Been to Payment 1 Loans - Corpus Christi?
Tell other borrowers what it was like. We read every review before it goes up, good or bad.
Write a reviewIn borrowers’ own words
- “Always fast and easy process kind staff and easy to keep updated”
- “Great customer service.explained everything well”
- “Girls put me first treat me with respect always have snacks available to share with me.”
- “Love that they report to the credit bureaus and LOVE the low monthly payments!”
Short lines from 4–5★ written reviews of this store. Complaints are counted above, never quoted.
About this lender
Title loans, and also installment loans, tax preparation.
An independent business, not part of a chain.