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.

Secretary of State of the State of Texas Notice:
In Texas, Coast 2 Coast CSO, LLC is registered to operate as a Credit Services Organization pursuant to Title 5, Texas Finance Code, Sec 393.001 et seq.  If a complaint or question cannot be resolved by contacting us directly, consumers can contact the Registrations Unit of the Secretary of State to file a complaint or a general question.

Secretary of State address:
Registration Unit
P.O. Box 13193
Austin, Texas 78711-3193
Website:  www.sos.state.tx.us
Phone: (512) 463-0872

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.

Coast 2 Coast Lenders, LLC complaint information

Loan related:
Pamela Gutierrez, VP of Operations
800-818-1908, ext 501
All other complaints:
Kevin Gordon, CEO
800-818-1908, ext 505

Rates & Terms

Loan Amount *
$500- $3,000
Loan Term
12 payroll deductions
Annual Percentage Rate
interest on the loan principal and CSO 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 Service Organization (“CSO”) fee will be $33.00 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 11 payments of $67.84 and one payment of $67.85

Finance Charges
Amount Financed
Total Payments

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. 

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 $214.09

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 $814.09 in interest and fees is his finance charge.


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
Website Copyright 2021 Coast 2 Coast Lenders