Corpus Christi Employees Finance Service clients succeed
The Corpus Christi office staff for the employee finance department are Assistant Manager Samantha Hardin (left), client associates Blake Skelton and Lauren Valdez, and Office Manager (seated) Michelle Neville. Photo by Jane Kathleen Gregorio
Employees Finance Service at Corpus Christi lives by its motto: âWe Succeed When Our Customers Succeedâ. With 11 locations across the state, parent company, Guarantee Loans in Houston, has served Texas for over 80 years. The Corpus Christi branch has been in business for over 70 years, offering modest and traditional installment loans of up to $ 1,400. Employees Finance Service is not a payday lender or a securities lender.
“We have the ability to offer better rates, lower monthly payments, and more flexible loan terms to help our customers, whether it’s household emergencies, school loans, vacation expenses, etc.” said Curtis “Trey” Stockton III, president of the Corpus Christi branch. âWe help people who need to rebuild their credit. “
Stockton started with the company as a supervisor 25 years ago, rising through the ranks to become president. Recently, the Corpus Christi office was named the top branch among 11 other sites in the state.
Over the years, the firm has grown. In 1999, it moved from its original location on Peoples and Mesquite streets to its current location at 4701 Ayers St. in suite 604.
HOW IT WORKS
Borrowers can apply for loans over the phone, in person, or through the company’s website. After collecting information from an applicant, Employees Finance Service verifies that information, including residence, income, and expenses, to determine each borrower’s ability to repay the loan.
âWe consider all of the factors in determining how much money one is qualified to borrow,â Stockton said.
To acquire a classic loan, a person must:
â¢ be 18 years old;
â¢ have a valid Texas driver’s license or ID;
â¢ have a valid Social Security number;
â¢ have a verifiable source of income;
â¢ have a verifiable residence;
â¢ not be a member or dependent of a military household;
â¢ and be able to repay the loan.
The company reports each customer’s account activity to the three major credit bureaus and is regulated and reviewed by the Texas Office of Consumer Credit Commissioner.
Michelle Neville, director of the company’s office for four years, said she feels a sense of satisfaction every time a customer is helped.
âEvery person who comes in for a loan has a story and a reason why they need the extra money,â she said. âEven if it’s something as small as replacing a flat tire or as big as fixing a roof, there are so many reasons people need money. Each person for whom we can open an account, we were able to provide a solution.
Once the loan is paid off, customers can borrow again. Paying off a loan on a timely basis helps achieve good credit, another benefit for customers who have been through difficult financial times.
âWe have built relationships with our clients over the years and treat them as we would like to be treated,â Stockton said. âSince I have been president, we have had very few complaints and no violations with the state. I’ve had people write letters to the office thanking us for what we’ve done for them.
The company runs promotions several times during the year, Stockton said. In September, customers can receive $ 50 for each referral leading to a new account.
âOur group is versatile, courteous and helpful,â said Stockton. âWe have a lot of loyal customers, and we wouldn’t have any if the customers weren’t happy. “
The Employee Finance Department is located at 4701 Ayers St., Suite 604, Corpus Christi. For more information call (361) 853-2400 or visit Garantieloantexas.com.
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