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Texas Credit Service Organization (CSO)

Coast 2 Coast CSO, LLC is not the lender in Texas, and we cannot promise that a lender will extend credit to you. Coast 2 Coast CSO, LLC is a credit services organization. We help you obtain an extension of consumer credit from a lender. For this service, Coast 2 Coast CSO, LLC charges a CSO fee. The amount of the CSO fee you will be charged is based on the amount of the loan you obtain from a lender and the number of payments that you choose for paying back your loan. You are not required to pay the CSO fee in one lump sum. Each payment amount will include a portion of the CSO fee, and you can save on interest and fees by paying off your loan early at any time. Any loan a lender makes to you will be at 10% per annum simple interest. No other fees are charged at the inception of the loan.

Rates are calculated using the simple interest method. APR calculation is based on bi-weekly payments with your first payment being 14 days from the loan effective date. Annual percentage rates (APRs) may vary based on loan term. Please see your loan agreement for the APR and other terms applicable to your loan.

OCCC CONSUMER CREDIT NOTICE
In Texas, Coast 2 Coast CSO, LLC, is licensed and examined under Texas law by the Office of Consumer Credit Commissioner (OCCC), a state agency. If a complaint or question cannot be resolved by contacting us, consumers can contact the OCCC to file a complaint or ask a general credit-related question.
OCCC address:
2601 N. Lamar Blvd., Austin, Texas 78705.
Phone: (800) 538-1579.
Fax: (512) 936-7610.
Website: occc.texas.gov
Email: consumer.complaints@occc.texas.gov

An advance of money obtained through a payday loan or auto title loan is not intended to meet long-term financial needs. A payday loan or auto title loan should only be used to meet immediate short-term cash needs. Refinancing the loan rather than paying the debt in full when due will require the payment of additional charges.

REGULATORY CONTACT INFORMATION
Texas Office of Consumer Credit Commissioner
2601 N. Lamar Boulevard
Austin, Texas 78705
Phone: (800) 538-1579 Fax: (512) 936-7610

Rates & Terms

Loan Amount *
$500- $3,000
 
Loan Term
12 payroll deductions
(allotments)
Annual Percentage Rate
10% 
interest on the loan principal and CAB fees **
You have the right to rescind your loan within three days of signing your loan contract.
*The Loan Amount is determined by the Lender during their approval process.
** Your Credit Access Business (“CAB”) fee will be $25.00 per $100.00 borrowed. You will also be charged interest by your lender of 10.00% APR on the loan principal. The lender interest and APR calculation are based on a transaction with a 365 day term. The amount of lender interest you pay and the APR may be different if your transaction term is not 365 days. The lender interest and APR of your loan will be disclosed in the Federal-Truth-In-Lending statement contained in your contract.

What it Costs

The chart below represents an illustrative example of the cost of a $600 loan. Please see your loan agreement for the annual percentage rate (APR) and other terms applicable to your loan.  If you have any other questions or would like more information, please ask. Make certain the questions are answered.  Make sure you understand the terms and cost of your loan.

If you repaid biweekly through payroll allotments, you would make 12 payments of $63.88 and one payment of $63.90

APR
121.86%
Finance Charges
$166.58
Amount Financed
$600.00
Total Payments
$766.58

With an actual installment loan, your repayment might look different that the example above.  For instance, you may be able to borrow more money, or have a longer or shorter repayment period. 

Consumer Information

Click on the images below to view bi-weekly payment sample loan details as required in Texas:

Certificates

Texas CAB License

Texas CSO Registration

Online Installment Loans Texas

Coast 2 Coast CSO, LLC offers access to fast no hassle online installment loans to people living in the State of Texas. Approved applicants who have a valid checking account and contact information could see money deposited to their account within 24 hours.  Apply now to get a loan!

How Much Can I Borrow From Coast 2 Coast CSO?

In the state of Texas, Coast 2 Coast CSO offers loan amounts between $500 – $3000. You don’t necessarily need to have good credit to be approved for a Coast 2 Coast CSO! Amounts, as well as approvals, are determined by several factors including your credit and loan repayment history.

What Will My Loan Cost?

A Coast 2 Coast CSO installment loan is an expensive form of credit and should be used only when necessary for emergency or unexpected expenses.  For more information, see an example repayment schedule of a Coast 2 Coast CSO loan.

Terms and Conditions for Texas

Coast 2 Coast CSO, LLC is not the lender in Texas, and we cannot guarantee that your application will result in a funded loan. Coast 2 Coast CSO is a credit services organization (CSO)/credit access business (CAB). We help you to obtain a loan from a lender at a simple interest rate of 10% per annum. For this service, we will charge a CSO fee. The amount of the fee that you will be charged is based on the amount of loan you receive from a lender . You are not required to pay the fee upfront, or in one lump sum. Each repayment amount will include a portion of the CSO fee. If any payment you make to Coast 2 Coast CSO or to the lender is returned for any reason, you will owe a returned item fee of $30. Please review the full terms and conditions and privacy policy for more information. Rates are calculated using the simple interest method. The APR shown on your loan documents will include the total of the lender interest and the CSO fee, and may vary based on loan term. Please see your loan agreement for the APR and other terms applicable to your loan.

OCCC Consumer Credit Notice

In Texas, Coast 2 Coast CSO, LLC, is a registered Texas Credit Services Organization and a licensed Credit Access Bureau, operating pursuant to Chapter 393 of the Texas Finance Code. This business is licensed and examined by the State of Texas – Office of the Consumer Credit Commissioner. Call the Consumer Credit Hotline or write for credit information or assistance with credit problems: Office of Consumer Credit Commissioner, 2601 North Lamar Boulevard, Austin, TX 78705-4207 (800) 516-7840, consumer.complaints@occc.state.tx.us, http://www.occc.state.tx.us.

An advance of money obtained through a payday loan or auto title loan is not intended to meet long-term financial needs. A payday loan or auto title loan should only be used to meet immediate short-term cash needs. Refinancing the loan rather than paying the debt in full when due will require the payment of additional charges.

Regulatory Contact Information

Texas Office of Consumer Credit Commissioner 2601 N. Lamar Boulevard Austin, TX 78705 Phone: (800) 538-1579 Fax: (512) 936-7610

Terms Explained

Amount Financed

This is the loan amount. In our example, Joe Borrower is approved for a $600 loan. The $600 is the amount financed.

Loan Term / Finance Charge

These terms refer to the dollar amount your loan will cost you, in addition to the amount financed.

In this example Joe borrowed $600, Joe’s loan fee and finance charge will be $166.58

Total of Payments

The finance charge is the dollar amount your loan will cost you, in addition to the amount financed.  In the example, Joe’s amount financed will be $766.58 in interest and fees is his finance charge.

APR

APR (annual percentage rate) is a measure of the cost of credit, expressed as a yearly rate.

Coast 2 Coast Lenders
2207 Concord Pike
Wilmington, DE 19803
+1 (800) 818-1908
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