Get a Payday Loan in Corpus Christi, TX
Three minutes to request, no fee, and no obligation to accept any offer. Texas does not cap payday costs — compare every offer before you sign.
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Texas loan rules at a glance
| Rule | Texas limit |
|---|---|
| Legal status | Legal and regulated |
| Maximum loan amount | No statewide dollar cap. Corpus Christi: payday cash advanced ≤ 20% of gross monthly income (§ 5-11(a)); auto-title ≤ lesser of 3% gross annual income or 70% of vehicle retail value (§ 5-11(b)) |
| Maximum term | Typically 7 to 180 days (Corpus Christi: instalment loans ≤ 4 instalments, § 5-11(d)) |
| Finance charge cap | No statewide cap on CAB fees or APR (effective APR commonly ~560%–660%). The city ordinance limits loan amount and rollovers but does NOT cap the fee. |
| Rollovers | No statewide limit. Corpus Christi: single-payment loan renewed ≤ 3 times, each renewal retiring ≥ 25% of the original principal (§ 5-11(e)); instalment loans may not be refinanced (§ 5-11(d)); a new loan within 7 days of paying one off counts as a renewal (§ 5-11(f)) |
| Cooling-off period | No statutory rescission at state level. The operative local protections are the 20%-of-income cap, the 4-instalment / 3-renewal limits, the 25% principal-reduction rule and the 7-day anti-churn rule |
| Statute | Texas Credit Access Business law + City of Corpus Christi ordinance — Tex. Fin. Code Ch. 393 & Ch. 342; 7 TAC Ch. 83; Corpus Christi Code Ch. 5, Art. I (Credit Access Businesses), §§ 5-1–5-13, Ord. No. 030571 (Aug. 11, 2015) |
Source: Texas Office of Consumer Credit Commissioner (OCCC) + City of Corpus Christi registration · Rules verified September 5, 2026
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Usually within minutes. If a lender makes you an offer and you accept during business hours, funds are typically deposited as soon as the next business day.