Personal Loans for El Paso Residents
$500 - $35,000

Need a Personal Loan in El Paso? We Can Help.

Skip the bank lines at San Jacinto Plaza. Connect with a network of lenders offering personal and installment loans tailored for El Paso residents, from Fort Bliss to Westside.

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Why Choose Us

Fast Digital Process
All Credit Types Considered
Funds Often Next Business Day
Fast
Same-Day Decisions
Simple
3-Step Process
Secure
256-bit Encryption
1 Secure SSL Encryption
2 OLA Member
3 CCPA Compliant
4 Trusted Network

How It Works

Get the funds you need in a few simple steps

1

Request Online

Fill out our secure, 5-minute form with your basic information and loan needs.

2

Get Matched

We instantly share your request with our network of lenders to find a potential match.

3

Review Terms

If connected, review the lender's loan agreement, APR, and repayment schedule.

4

Receive Funds

Once you sign the digital agreement, funds are typically sent to your bank account as soon as the next business day.

Apply Now

Fill out the form below to get matched with a lender

Lenders in our network may perform credit checks through major bureaus or alternative providers. Submitting a request through this website does not guarantee you will be matched with a lender or approved for a loan.

Loan Information

Everything you need to know about our loan offerings and eligibility criteria.

Loan Amounts

$500 to $35,000

Loan Terms

3 to 72 Months

APR Range

5.99% - 35.99% (Personal Loans) / Higher for Short-Term CAB Loans

Loan Types

Personal Loans Installment Loans Cash Advances Bad Credit Loans

Eligibility Requirements

  • Must be at least 18 years old
  • U.S. citizen or permanent resident
  • Steady source of income
  • Active checking account
  • Valid email address and phone number

Required Documents

  • Government-issued ID
  • Proof of income (paystubs or bank statements)
  • Social Security Number
  • Bank account routing and account numbers

Why Choose Us

Local Relevance

We understand the El Paso market and the specific regulations that protect Texas borrowers.

Credit Flexibility

Our network includes lenders who work with various credit profiles, from excellent to less-than-perfect.

Data Security

We use industry-standard 256-bit encryption to ensure your personal and financial data stays private.

Next-Day Funding

In many cases, funds can be deposited into your El Paso bank account as soon as the next business day.

No Hidden Fees

Our matching service is free to use. You only pay the interest and fees disclosed by your matched lender.

Digital Convenience

Request a loan from your smartphone while at the Fountains at Farah or from the comfort of your home.

What Our Customers Say

Helped with car repairs

My transmission went out right near UTEP and I didn't have the $2,800 to fix it. This site connected me with a lender quickly. The interest was a bit high but it got me back on the road.

Ricardo Mendez ·El Paso, TX

Smooth process

I needed to consolidate some medical bills. The online form was easy to use and I was matched with a lender in about 10 minutes. Money was in my account the next morning.

Angela Thompson ·Horizon City, TX

Fast and professional

I was worried about my credit score, but I still found an installment loan that worked for my budget. Very grateful for the help when I was in a pinch.

David Hernandez ·Socorro, TX

Good service

The process was straightforward. I appreciated being able to see my options without driving all over Montana Avenue looking for a store.

Vanessa Garcia ·El Paso, TX

Fort Bliss move

We had some extra expenses moving to the area and needed a small personal loan to bridge the gap. Found a lender with fair terms for military families.

James Patterson ·El Paso, TX

Payday Loan and Cash Advance Stores in El Paso, Texas

Borrowers in El Paso can visit any of these local storefronts for immediate financial assistance with payday loans, title loans, or check cashing services. For those who prefer a more convenient option, you can also apply online through our matching service to find a lender from the comfort of your home.

Cash Advance

ACE Cash Express

4700 Montana Ave, El Paso, TX 79903

(915) 566-6005

Mon-Fri 9:00am-7:00pm, Sat 9:00am-6:00pm

Payday Loans

Advance America

9008 Dyer St, Ste F, El Paso, TX 79904

(915) 757-1866

Mon-Fri 10:00am-6:00pm, Sat 10:00am-3:00pm

Title Loans

TitleMax Title Loans

9501 Dyer St, El Paso, TX 79924

(915) 759-0510

Mon-Fri 9:00am-7:00pm, Sat 10:00am-2:00pm

Payday Loans

Check 'n Go

1491 N Lee Trevino Dr, Ste F, El Paso, TX 79936

(915) 592-5677

Mon-Fri 10:00am-6:00pm, Sat 10:00am-2:00pm

Payday Loans

LendNation

1475 George Dieter Dr, El Paso, TX 79936

(915) 633-1341

Mon-Fri 9:00am-6:00pm, Sat 9:00am-1:00pm

Check Cashing

PLS Check Cashing

9155 Dyer St, Suite A, El Paso, TX 79924

(915) 751-6957

Open 24 Hours

Title Loans

Pancho's Car Title Loans

4300 N Mesa St, Ste E, El Paso, TX 79902

(915) 545-2274

Mon-Fri 9:00am-6:00pm, Sat 10:00am-2:00pm

Cash Advance

ACE Cash Express

424 N Yarbrough Dr, Ste A, El Paso, TX 79915

(915) 595-2241

Mon-Thu 9:00am-7:00pm, Fri 9:00am-8:00pm, Sat 9:00am-6:00pm

Payday Loans

Cash Store

8820 N Loop Dr, Ste 100, El Paso, TX 79907

(915) 860-9119

Mon-Fri 10:00am-6:00pm, Sat 10:00am-2:00pm

Title Loans

Loanstar Title Loans

336 N Zaragoza Rd, El Paso, TX 79907

(915) 859-6204

Mon-Fri 10:00am-6:00pm, Sat 10:00am-2:00pm

El Paso Community Profile

El Paso, Texas, serves as a vital international trade hub on the U.S.-Mexico border, with an economy anchored by logistics, healthcare, and the massive federal presence of Fort Bliss. While the city has seen steady job growth in professional and business services, it continues to face significant economic challenges, including a poverty rate of 18.4%—well above the national average. With a median household income of $58,734, many residents manage tight budgets and high transportation costs, often making them susceptible to financial shocks. The heavy reliance on service and retail sectors can lead to income volatility, prompting a need for short-term lending options to cover emergency expenses or bridge gaps between pay periods in this economically diverse border city.

678,147
Population
$58,734
Median Income
18.4%
Poverty Rate
4.1%
Unemployment
Means of Transportation to Work
Drove Alone 76.5%
Carpooled 11.1%
Public Transit 1%
Walked 1.9%
Work from Home 7.8%
Other 1.7%
Class of Worker
Private Wage & Salary 76.8%
Government 17.5%
Self-Employed 5.5%
Unpaid Family 0.2%
Household Income Distribution
Under $25K 22%
$25K - $50K 21%
$50K - $75K 18.5%
$75K - $100K 11.5%
Over $100K 27%

Source: U.S. Census Bureau, American Community Survey 2023 1-Year Estimates; Bureau of Labor Statistics, December 2025

Frequently Asked Questions

Can I get a personal loan in El Paso with bad credit?
Yes, many lenders in our network look beyond just your credit score, considering your income and employment history to determine eligibility for personal or installment loans.
How quickly can I get the money?
While we are not a lender, most lenders in our network can provide funding as soon as the next business day after your application is approved and signed.
What is the maximum loan amount in Texas?
For traditional personal loans, amounts can reach $35,000. For short-term Credit Access Business (CAB) loans, the amount is often capped by El Paso ordinance at 20% of your gross monthly income.
Are there El Paso-specific loan regulations?
Yes, El Paso has a specific ordinance regulating payday and auto title loans, which includes limits on loan amounts based on income and requirements for principal reduction during renewals.
Will checking my rate affect my credit score?
Initial rate checks through our platform typically use a soft credit pull which does not impact your score. However, if you proceed with a specific lender, they may perform a hard credit inquiry.
Can Fort Bliss personnel apply for these loans?
Yes, though lenders must comply with the Military Lending Act (MLA), which caps APRs at 36% for active-duty service members and their dependents for certain types of credit.
What can I use a personal loan for?
Personal loans are flexible and can be used for medical bills, car repairs, debt consolidation, or unexpected home expenses like AC repair during the hot El Paso summers.
What if I am unemployed but have other income?
Lenders require proof of steady income, which can include Social Security, disability payments, retirement income, or self-employment earnings, not just traditional W-2 employment.
How do I repay my loan?
Repayments are typically handled via automatic ACH transfers from your checking account on your due dates, ensuring you never miss a payment.
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Need cash for an emergency? Start your request now and you could have funds by tomorrow.

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