Compare legal limits, fees and the true cost of small loans in your state before you talk to any lender. Compare legal limits, fees and the true cost of small loans in your state.
Payday loans in El Paso, Texas
Texas payday loan rules that apply in El Paso
- Max loan amount
- No limit (CSO Model)
- Min loan term
- 7 days
- Max loan term
- 180 days
- Finance charge cap
- No state cap (fees set by city ordinances)
- Max absolute fee
- Varies
- Typical APR
- ~662%+
- Rollovers (extensions)
- Permitted (varies)
- Simultaneous loans
- No state limit
- Right to rescind
- N/A
- Governing law
- Texas Credit Services Organization Act
- Regulator
- TX OCCC
El Paso at a glance
| Metric | El Paso | Texas | United States |
|---|---|---|---|
| Population | 815,636 | 29.6M | 332.3M |
| Median household income | $60,757 | $81,963 | $85,275 |
| Median rent | $1,116/mo | $1,384/mo | $1,432/mo |
| Income spent on rent | 32.0% | 31.6% | 31.6% |
| Homeownership | 64.3% | 63.8% | 65.4% |
| Poverty rate | 18.4% | 13.9% | 12.6% |
| Unemployment rate | 6.5% | 5.2% | 5.3% |
| Without health insurance | 21.5% | 17.3% | 8.6% |
| Veterans | 8.0% | 6.4% | 6.5% |
Source: U.S. Census Bureau, American Community Survey, by ZIP code. City and state figures are population-weighted averages of ZIP code data and are approximate.
Payday loan cost calculator for El Paso
Move the sliders to see what a payday loan would cost under Texas rules and how it compares with local incomes.
Example range up to $1,000
Texas sets no fixed fee; $15 is typical
- Fee
- $75
- Total to repay
- $575
- APR
- 391%
- Total fees with rollovers
- $75
- Share of a two-week household paycheck in El Paso
- 3.2%
Estimate only. APR = fee ÷ amount × 365 ÷ term. Lenders may charge less than the state maximum; actual terms vary.
What a payday loan costs in El Paso
- Fee on a $500 loan
- $75
- Share of a two-week household paycheck
- 3.2%
- Hours of work at the local median wage
- 5.0 hours
Texas sets no fixed fee in dollars, so this example uses a typical fee of $15 per $100 on a $500 loan and local median incomes: two-week paycheck = household income ÷ 26, hourly wage = individual income ÷ 2,080. Actual terms vary by lender.
El Paso in context
- Population rank in Texas
- 6th
- of 103 Texas cities with 50,000+ residents
- Median household income rank
- 85th
- of 103 Texas cities with 50,000+ residents
- Households earning under $25,000
- 20.8%
- ▲ 5.8 pts vs TX
- Median home value
- $174,662
- ▼ 38% vs TX
- Home value to income
- 2.9×
- A $400 emergency expense
- 2.4 days
- of median household income
Payday loan stores in El Paso, TX
Licensed storefront lenders in El Paso with addresses, phone numbers and hours. We do not rank or recommend any lender; confirm each company's license with the TX OCCC before you borrow.
| Address | Phone | Hours | Google rating |
|---|---|---|---|
| 12496 Montana Ave El Paso, TX 79938 | (915) 856-0000 | — | 5.0 |
| 14026 Horizon Blvd Horizon City, TX 79928 | (915) 852-4981 | — | 5.0 |
| 1793 N Zaragoza Rd # E El Paso, TX 79936 | (915) 245-3625 | — | 5.0 |
| 1841 Lee Trevino Dr El Paso, TX 79936 | (915) 599-3031 | — | 5.0 |
| 5104 Montana Ave El Paso, TX 79903 | (915) 881-8920 | — | 4.9 |
| 7000 Gtwy Blvd E El Paso, TX 79915 | (915) 245-3018 | — | 5.0 |
| 7601 N Mesa St El Paso, TX 79912 | (915) 255-4867 | — | 4.9 |
| 8120 Alameda Ave El Paso, TX 79915 | (915) 245-3641 | — | 5.0 |
| 828 N Zaragoza Rd El Paso, TX 79907 | (915) 245-3624 | — | 4.9 |
| 9501 Dyer St El Paso, TX 79924 | (915) 759-0510 | — | 5.0 |
| 9895 Alameda Ave Ste 100 Socorro, TX 79927 | (915) 872-8811 | — | 5.0 |
| 10755 N Loop Dr E Socorro, TX 79927 | (915) 860-8186 | — | 4.9 |
| 12135 Montwood Dr Ste 103 El Paso, TX 79936 | (915) 856-9973 | — | 4.9 |
| 424 N Yarbrough Dr Ste 4 El Paso, TX 79915 | (915) 595-2241 | — | 4.9 |
| 4700 Montana Ave El Paso, TX 79903 | (915) 566-6005 | — | 4.9 |
| 5070 Doniphan Dr C El Paso, TX 79932 | (915) 585-6275 | — | 4.9 |
| 8838 Viscount Blvd Ste J El Paso, TX 79925 | (915) 633-6165 | — | 4.9 |
| 9130 Dyer St El Paso, TX 79924 | (915) 751-4820 | — | 4.9 |
| 10705 Gateway Blvd W Ste 103 El Paso, TX 79935 | (915) 591-9890 | — | 4.8 |
| 1830 N Zaragoza Rd #104 El Paso, TX 79936 | (915) 856-9900 | — | 4.8 |
| 3010 Saul Kleinfeld Dr D El Paso, TX 79936 | (915) 855-7733 | — | 4.8 |
| 5620 Dyer St El Paso, TX 79904 | (915) 564-1801 | — | 4.9 |
| 7447 N Mesa St El Paso, TX 79912 | (915) 584-1501 | — | 4.7 |
| 8820 N Loop Dr Ste 100 El Paso, TX 79907 | (915) 860-9119 | — | 4.9 |
| 9411 Alameda Ave I El Paso, TX 79907 | (915) 872-8560 | — | 4.8 |
| 121 N Kenazo Ave Suite C Horizon City, TX 79928 | (915) 852-4661 | — | 5.0 |
| 1491 Lee Trevino Dr F El Paso, TX 79936 | (915) 592-5677 | — | 4.9 |
| 1831 N Zaragoza Rd Ste 117 El Paso, TX 79936 | (915) 857-3199 | — | 4.9 |
| 500 N Zaragoza Rd W El Paso, TX 79907 | (915) 859-6204 | — | 4.9 |
| 6520 N Mesa St El Paso, TX 79912 | (915) 845-6678 | — | 4.9 |
| 9040 Dyer St Suite 103 El Paso, TX 79904 | (915) 751-7511 | — | 5.0 |
| 10005 Alameda Ave Ste S El Paso, TX 79927 | (915) 858-7225 | — | 3.4 |
| 1506 Lee Trevino Dr B3 El Paso, TX 79936 | (915) 590-4054 | — | 4.1 |
| 1700 N Zaragoza Rd #125 El Paso, TX 79936 | (915) 855-2937 | — | 3.7 |
| 4650 Woodrow Bean Transmountain G El Paso, TX 79924 | (915) 757-0337 | — | 4.1 |
| 7420 Gtwy Blvd E El Paso, TX 79915 | (915) 591-9436 | — | 4.7 |
| 7500 N Mesa St #318 El Paso, TX 79912 | (915) 584-5451 | — | 3.4 |
| Canyon Finance 1700 N Zaragoza Rd #118 El Paso, TX 79936 | (915) 857-7603 | — | 4.6 |
| 208 S Stanton St El Paso, TX 79901 | (915) 532-7809 | — | 3.9 |
| 216 E Mills Ave El Paso, TX 79901 | (915) 532-3371 | — | 4.6 |
| 4717 Hondo Pass Dr Ste 3e-3f El Paso, TX 79904 | (915) 759-8869 | — | 4.8 |
| 657 Horizon Blvd Ste H Socorro, TX 79927 | (915) 790-0220 | — | 4.9 |
| Sunbelt Credit 8899 Alameda Ave #116 El Paso, TX 79907 | (915) 860-4566 | — | 4.9 |
| Western Finance 12801 Edgemere Blvd Ste 105 El Paso, TX 79938 | (915) 318-8239 | — | 5.0 |
| Shamrock Finance 1850 Hunter Dr STE 108 El Paso, TX 79915 | (915) 771-9002 | — | 4.9 |
| Shamrock Finance 201 S Americas Ave STE 103 El Paso, TX 79907 | (915) 790-1496 | — | 4.9 |
| Western Finance 4301 Montana Ave STE C & D El Paso, TX 79903 | (915) 562-1061 | — | 4.9 |
| Western Finance 5400 N Mesa St H El Paso, TX 79912 | (915) 581-8370 | — | 4.8 |
| 12210 Montwood Dr., Ste. 112 El Paso, TX 79928 | (915) 857-7895 | Mon–Fri 10:00 AM – 6:00 PM Sat 10:00 AM – 3:00 PM Sun closed |
— |
| 1320 N. Zaragosa Rd., Ste. 121 El Paso, TX 79936 | (915) 858-5712 | Mon–Fri 10:00 AM – 6:00 PM Sat 10:00 AM – 3:00 PM Sun closed |
— |
| 8900 Viscount Blvd, Ste AO El Paso, TX 79925 | (915) 591-7726 | Mon–Fri 10:00 AM – 6:00 PM Sat 10:00 AM – 3:00 PM Sun closed |
— |
| 9008 Dyer St., Ste. F El Paso, TX 79904 | (915) 757-1866 | Mon–Fri 10:00 AM – 6:00 PM Sat 10:00 AM – 3:00 PM Sun closed |
— |
| 206 S Mesa St El Paso, TX 79901 | (915) 533-5483 | — | 4.5 |
| 2709, 120 Horizon Blvd A Socorro, TX 79927 | (915) 860-0036 | — | 5.0 |
| 3388, 424 N Yarbrough Dr B El Paso, TX 79915 | (915) 598-8800 | — | 4.9 |
| 6920 Delta Dr Suite 6 El Paso, TX 79905 | (915) 771-6222 | — | 4.8 |
| 1831 N Zaragoza Rd Ste 104 El Paso, TX 79936 | (915) 229-1366 | — | 4.9 |
| 4860 Woodrow Bean Transmountain Ste. D-403 El Paso, TX 79924 | (915) 990-2171 | — | 4.9 |
| 5000 Doniphan Dr Ste. 107 El Paso, TX 79932 | (915) 213-0355 | — | 4.9 |
| 9530 Viscount Blvd Ste 2R El Paso, TX 79925 | (915) 995-8006 | — | 4.9 |
| 1610 N Zaragoza Rd Ste F1 El Paso, TX 79936 | (915) 308-1655 | — | 4.9 |
| 6045 Montana Ave Ste 300 El Paso, TX 79925 | (915) 213-2340 | — | 4.2 |
| 7122 N Mesa St El Paso, TX 79912 | (915) 273-3355 | — | 4.7 |
| 10750 N Loop Dr Socorro, TX 79927 | (915) 613-5204 | — | 5.0 |
| 5505 Montana Ave Ste A El Paso, TX 79903 | (915) 613-4042 | — | 5.0 |
| 425 E Paisano Dr E El Paso, TX 79901 | (915) 534-4253 | — | 4.9 |
| 700 N Zaragoza Rd V El Paso, TX 79907 | (915) 600-6801 | — | 4.9 |
|
Texas Car Title and Payday Loan Services
1 store in El Paso
texascartitleandpaydayloanservicesinc.com
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| 494 N Kenazo Ave Horizon City, TX 79928 | (915) 852-2378 | — | 4.9 |
Fast & secure payday loans in El Paso, Texas
Unexpected expenses can happen anytime. If you need urgent cash in El Paso, our service connects you with trusted, state-licensed lenders.
Apply online from the comfort of your home, get a fast decision and, if approved, receive funds in your bank account as soon as the next business day.
Why El Paso residents use us
- Fast 5-minute request A simple online application, with no waiting in line at a storefront.
- Bad credit considered Lenders focus on your steady income, not just your credit history.
- Loans within Texas limits Loan terms must comply with the Texas Credit Services Organization Act.
- Safe & confidential Your personal and financial details are sent over an encrypted connection.
Notice for El Paso residents: Payday loans are designed for short-term emergency needs and should not be used as a long-term debt solution. Interest rates, fees and maximum loan amounts are governed by Texas law (Texas Credit Services Organization Act). Always review the contract terms carefully before signing.
El Paso payday loan FAQ
How much cash can I borrow in El Paso?
Loan amounts in El Paso are typically from $100 up to the Texas limit (No limit (CSO Model)), in line with Texas lending law. Your exact approved amount depends on your verifiable income, existing debt and the lender’s evaluation.
Do I need to visit a storefront in El Paso to apply?
No. The whole process is handled securely online, so you don’t need to wait in line at a local check-cashing store or branch. If approved, your funds are deposited directly into your bank account by ACH transfer.
Can I qualify for a payday loan in El Paso with poor credit?
Possibly. A traditional FICO score is not the only factor. Lenders in our network mainly look at whether you have a steady, recurring income and an active checking account to handle repayment. Approval is not guaranteed.
How quickly will I receive my funds in El Paso?
Many applicants get a decision within minutes. Once you review and e-sign your agreement, lenders typically release the cash the same day or the next business day, depending on your bank’s transfer cutoff times.
What are the minimum requirements for El Paso residents?
To qualify, you must:
- Be at least 18 years old.
- Live in El Paso or the surrounding Texas area.
- Have an active checking account in your name.
- Provide proof of consistent monthly income (employment, benefits or recurring deposits).