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Payday Loans in El Paso, TX: Stores, Costs and Rules
Updated November 2026 · By Payday Loans Reviews Editorial Team · Not a lender
Payday loans are available in El Paso through licensed lenders operating under the Texas Credit Services Organization Act. With median rent at $1,116 and median household income at $60,757, many working families find themselves stretched when an unexpected bill hits before payday.
A typical $300 loan for 14 days costs about $45 in fees, meaning you’d repay $345 total. That works out to an APR of roughly 391%, though some borrowers see rates climb past 662% depending on the loan structure. In a city where nearly one in five residents lives below the poverty line, that cost can consume a significant slice of a tight budget.
El Paso County · El Paso, TX metro area
El Paso borrowers and Texas payday laws
- 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
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.
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 |
|---|---|---|---|
| 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 |
| 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 |
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| 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 |
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| 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 |
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| 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 |
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| 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 |
| 206 S Mesa St El Paso, TX 79901 | (915) 533-5483 | — | 4.5 |
| 5620 Dyer St El Paso, TX 79904 | (915) 564-1801 | — | 4.9 |
| 8820 N Loop Dr Ste 100 El Paso, TX 79907 | (915) 860-9119 | — | 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 |
| 9411 Alameda Ave I El Paso, TX 79907 | (915) 872-8560 | — | 4.8 |
| 7447 N Mesa St El Paso, TX 79912 | (915) 584-1501 | — | 4.7 |
| 121 N Kenazo Ave Suite C Horizon City, TX 79928 | (915) 852-4661 | — | 5.0 |
| 9040 Dyer St Suite 103 El Paso, TX 79904 | (915) 751-7511 | — | 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 |
| 1610 N Zaragoza Rd Ste F1 El Paso, TX 79936 | (915) 308-1655 | — | 4.9 |
| 7122 N Mesa St El Paso, TX 79912 | (915) 273-3355 | — | 4.7 |
| 6045 Montana Ave Ste 300 El Paso, TX 79925 | (915) 213-2340 | — | 4.2 |
| 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 |
| 7420 Gtwy Blvd E El Paso, TX 79915 | (915) 591-9436 | — | 4.7 |
| 1506 Lee Trevino Dr B3 El Paso, TX 79936 | (915) 590-4054 | — | 4.1 |
| 4650 Woodrow Bean Transmountain G El Paso, TX 79924 | (915) 757-0337 | — | 4.1 |
| 1700 N Zaragoza Rd #125 El Paso, TX 79936 | (915) 855-2937 | — | 3.7 |
| 10005 Alameda Ave Ste S El Paso, TX 79927 | (915) 858-7225 | — | 3.4 |
| 7500 N Mesa St #318 El Paso, TX 79912 | (915) 584-5451 | — | 3.4 |
| 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 |
| 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 |
| 4717 Hondo Pass Dr Ste 3e-3f El Paso, TX 79904 | (915) 759-8869 | — | 4.8 |
| Canyon Finance 1700 N Zaragoza Rd #118 El Paso, TX 79936 | (915) 857-7603 | — | 4.6 |
| 216 E Mills Ave El Paso, TX 79901 | (915) 532-3371 | — | 4.6 |
| 208 S Stanton St El Paso, TX 79901 | (915) 532-7809 | — | 3.9 |
| 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 |
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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 |
| 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 |
| 7000 Gtwy Blvd E El Paso, TX 79915 | (915) 245-3018 | — | 5.0 |
| 8120 Alameda Ave El Paso, TX 79915 | (915) 245-3641 | — | 5.0 |
| 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 |
| 5104 Montana Ave El Paso, TX 79903 | (915) 881-8920 | — | 4.9 |
| 7601 N Mesa St El Paso, TX 79912 | (915) 255-4867 | — | 4.9 |
| 828 N Zaragoza Rd El Paso, TX 79907 | (915) 245-3624 | — | 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 |
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.
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.
Payday loans in El Paso: how to apply
Cash shortages happen to almost everyone. When you need help in El Paso, our network introduces you to lenders who follow state licensing rules.
Submit your details online, learn the decision promptly, and, if a lender says yes, receive funds in your bank account as early as the next business day.
Why El Paso residents use us
- Fast 5-minute request An internet-based form that keeps you out of physical loan offices.
- Bad credit considered Participating lenders weigh your regular earnings rather than relying solely on credit scores.
- Loans within Texas limits All rates and contract terms must satisfy the requirements of the Texas Credit Services Organization Act.
- Safe & confidential Sensitive personal and banking data travels through secure, encrypted technology.
Notice for El Paso residents: Short-term payday loans are for emergency use only, not repeated reliance. The Texas Credit Services Organization Act in Texas governs allowable APRs, fees and maximum loan amounts. Carefully read your loan agreement before accepting.
Read more about borrowing in El Paso
Who runs payday stores in El Paso
| Company | Stores | Share of stores | Average Google rating |
|---|---|---|---|
| TitleMax | 11 | 16% | 5.0 |
| ACE Cash Express | 7 | 10% | 4.9 |
| Cash Store | 7 | 10% | 4.8 |
| Check 'n Go | 6 | 9% | 4.9 |
| OneMain Financial | 6 | 9% | 3.9 |
| Security Finance | 6 | 9% | 4.6 |
| Western Shamrock Finance | 5 | 7% | 4.9 |
| Advance America | 4 | 6% | — |
Store counts and ratings from our directory. We do not rank or recommend lenders.
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
Local numbers for El Paso borrowers
El Paso has about 815,636 residents in El Paso County, No. 6 of 103 Texas cities by population. A typical household in El Paso earns about $60,757, noticeably lower than Texas overall ($81,963) (below the U.S. figure).
The typical rent in El Paso runs about $1,116 a month (19% below the Texas median of $1,384). Renters put roughly 32.0% of income toward housing. The poverty rate is 18.4% (above Texas's 13.9%). About one in 5 households earns under $25,000 a year. The jobless rate is about 6.5%, compared with 5.2% across Texas. The uninsured rate (21.5%) is above the Texas level, which raises the odds of surprise medical costs. Homeownership is 64.3%; the rest of households rent.
For a median El Paso household, the $75 fee on a $500 payday loan equals 3.2% of one paycheck, or about 5 hours of work at the local median wage. Among nearby cities, Amarillo has the lowest median rent at $1,077. Households in Midland earn a median of $93,990, 55% more. Our directories list 68 licensed loan storefronts, 6 credit unions, 83 bank branches and 37 pawn shops in El Paso.
A typical home here is valued at about $174,662 (38% below the Texas median). Home prices run roughly 2.9× annual household income. The median individual income is $31,235.
El Paso and nearby cities
| City | Population | Median household income | Median rent | Poverty rate |
|---|---|---|---|---|
| El Paso | 815,636 | $60,757 | $1,116 | 18.4% |
| Odessa | 166,904 | $72,637 | $1,221 | 15.5% |
| Midland | 165,318 | $93,990 | $1,303 | 10.5% |
| Lubbock | 286,407 | $66,110 | $1,156 | 18.1% |
| Amarillo | 236,165 | $66,978 | $1,077 | 15.1% |
Source: U.S. Census Bureau American Community Survey estimates.
El Paso payday loan cost table
| Amount | Fee (14 days) | APR | Repay once | Repay after 2 renewals |
|---|---|---|---|---|
| $100 | $15 | 391% | $115 | $145 |
| $200 | $30 | 391% | $230 | $290 |
| $300 | $45 | 391% | $345 | $435 |
| $400 | $60 | 391% | $460 | $580 |
| $500 | $75 | 391% | $575 | $725 |
| $750 | $112 | 391% | $862 | $1,088 |
Fee of $15 per $100 per term from state rules in our database; renewals only where the state allows them.
FAQ for El Paso borrowers
How much do households earn in El Paso?
Census estimates show a median household income of $60,757 and a median rent of $1,116 a month in El Paso.
Where can I borrow locally in El Paso?
Our directories list 68 licensed loan storefronts and 6 credit unions in El Paso, Texas. Credit unions usually charge far less than storefront lenders for small loans.
Is El Paso an expensive place to rent?
Renters in El Paso spend about 32.0% of their income on housing, against a 30% affordability benchmark, and 18.4% of residents live below the poverty line (statewide: 13.9%).
When will the money hit my account in El Paso?
Online lending decisions often arrive in just a few minutes. After you read the terms and apply your electronic signature, lenders generally initiate the deposit the same day or on the next business day, subject to your bank's processing schedule.
Which baseline qualifications must El Paso applicants meet?
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).