El Paso, TX Payday Loan Lenders

25 local stores from 5 companies located in El Paso, TX
Rating
Reviews
Lender
4.30
204
reviews
Ace Cash Express
Ace Cash Express
has 8 offices
4.44
647
reviews
Advance America
Advance America
has 4 offices
4.96
876
reviews
Check 'n Go
Check 'n Go
has 7 offices
4.00
1
review
Ezmoney Loan Services
1.92
18
reviews
Quik Cash
Quik Cash
has 5 offices

All El Paso, TX Lenders Offices by Rating

Rating
Office Address
5.00
295 reviews
Advance America
8900 Viscount Blvd, Ste AO, El Paso, TX 79925 show on map
tel: 915-591-7726
Hours:
Monday: 10AM–6PM
Tuesday: 11AM–5PM
Wednesday: 11AM–5PM
Thursday: 10AM–6PM
Friday: 10AM–7PM
Saturday: 10AM–2PM
Sunday: Closed
5.00
146 reviews
Check 'n Go
9040 Dyer St,Suite 103, El Paso, TX 79904 show on map
tel: 915-751-7511
Hours:
Monday: 10AM–6PM
Tuesday: 10AM–6PM
Wednesday: 10AM–6PM
Thursday: 10AM–6PM
Friday: 10AM–6PM
Saturday: 10AM–2PM
Sunday: Closed
5.00
124 reviews
Check 'n Go
6560 Montana,Ste D, El Paso, TX 79925 show on map
tel: 915-775-0318
Hours:
Monday: 10AM–6PM
Tuesday: 10AM–6PM
Wednesday: 10AM–6PM
Thursday: 10AM–6PM
Friday: 10AM–6PM
Saturday: 10AM–2PM
Sunday: Closed
5.00
94 reviews
Check 'n Go
500 N Zaragoza,Ste W, El Paso, TX 79907 show on map
tel: 915-859-6204
Hours:
Monday: 10AM–6PM
Tuesday: 10AM–6PM
Wednesday: 10AM–6PM
Thursday: 10AM–6PM
Friday: 10AM–6PM
Saturday: 10AM–2PM
Sunday: Closed
5.00
47 reviews
Check 'n Go
121 N. Kenazo,Suite 103, El Paso, TX 79928 show on map
tel: 915-852-4661
Hours:
Monday: 10AM–6PM
Tuesday: 10AM–6PM
Wednesday: 10AM–6PM
Thursday: 10AM–6PM
Friday: 10AM–6PM
Saturday: 10AM–2PM
Sunday: Closed
4.90
258 reviews
Check 'n Go
6520 N Mesa St., El Paso, TX 79912 show on map
tel: 915-845-6678
Hours:
Monday: 10AM–6PM
Tuesday: 10AM–6PM
Wednesday: 10AM–6PM
Thursday: 10AM–6PM
Friday: 10AM–6PM
Saturday: 10AM–2PM
Sunday: Closed
4.90
147 reviews
Check 'n Go
1491 N Lee Trevino,Ste F, El Paso, TX 79936 show on map
tel: 915-592-5677
Hours:
Monday: 10AM–6PM
Tuesday: 10AM–6PM
Wednesday: 10AM–6PM
Thursday: 10AM–6PM
Friday: 10AM–6PM
Saturday: 10AM–2PM
Sunday: Closed
4.90
119 reviews
Advance America
9008 Dyer St., Ste. F, El Paso, TX 79904 show on map
tel: 915-757-1866
Hours:
Monday: 10AM–6PM
Tuesday: 11AM–5PM
Wednesday: 11AM–5PM
Thursday: 10AM–6PM
Friday: 10AM–7PM
Saturday: 10AM–2PM
Sunday: Closed
4.90
99 reviews
Advance America
12210 Montwood Dr., Ste. 112, El Paso, TX 79928 show on map
tel: 915-857-7895
Hours:
Monday: 10AM–6PM
Tuesday: 11AM–5PM
Wednesday: 11AM–5PM
Thursday: 10AM–6PM
Friday: 10AM–7PM
Saturday: 10AM–2PM
Sunday: Closed
4.90
60 reviews
Check 'n Go
1831 N Zaragosa,Ste 117, El Paso, TX 79936 show on map
tel: 915-857-3199
Hours:
Monday: 10AM–6PM
Tuesday: 10AM–6PM
Wednesday: 10AM–6PM
Thursday: 10AM–6PM
Friday: 10AM–6PM
Saturday: Closed
Sunday: Closed
4.90
22 reviews
Ace Cash Express
8838 Viscount Blvd, El Paso, TX 79925 show on map
tel: 915-633-6165
Hours:
Monday: 10AM–7PM
Tuesday: 10AM–7PM
Wednesday: 10AM–7PM
Thursday: 10AM–7PM
Friday: 10AM–7PM
Saturday: 10AM–6PM
Sunday: Closed
4.50
38 reviews
Ace Cash Express
424 Yarbrough Dr, El Paso, TX 79915 show on map
tel: 915-595-2241
Hours:
Monday: 9AM–7PM
Tuesday: 9AM–7PM
Wednesday: 9AM–7PM
Thursday: 9AM–7PM
Friday: 9AM–7PM
Saturday: 9AM–6PM
Sunday: Closed
4.50
33 reviews
Ace Cash Express
9130 Dyer St, El Paso, TX 79924 show on map
tel: 915-751-4820
Hours:
Monday: 10AM–7PM
Tuesday: 10AM–7PM
Wednesday: 10AM–7PM
Thursday: 10AM–7PM
Friday: 10AM–7PM
Saturday: 10AM–6PM
Sunday: Closed
4.40
50 reviews
Ace Cash Express
5070 Doniphan Dr, El Paso, TX 79932 show on map
tel: 915-585-6275
Hours:
Monday: 9AM–7PM
Tuesday: 9AM–7PM
Wednesday: 9AM–7PM
Thursday: 9AM–7PM
Friday: 9AM–8PM
Saturday: 9AM–6PM
Sunday: Closed
4.20
35 reviews
Ace Cash Express
4700 Montana Ave, El Paso, TX 79903 show on map
tel: 915-566-6005
Hours:
Monday: 9AM–6PM
Tuesday: 9AM–6PM
Wednesday: 9AM–6PM
Thursday: 9AM–6PM
Friday: 9AM–7PM
Saturday: 9AM–6PM
Sunday: Closed
4.00
1 review
Ezmoney Loan Services
1722 N Zaragoza Rd, #D, El Paso, TX 79936
4.00
1 review
Ace Cash Express
7500 N Mesa St, Ste 219, El Paso, TX 79912
tel: 915-833-7427
3.60
25 reviews
Ace Cash Express
12135 Montwood Dr, El Paso, TX 79936 show on map
tel: 915-856-9973
Hours:
Monday: 10AM–7PM
Tuesday: 10AM–7PM
Wednesday: 10AM–7PM
Thursday: 10AM–7PM
Friday: 10AM–8PM
Saturday: 10AM–6PM
Sunday: Closed
2.95
134 reviews
Advance America
1320 N. Zaragosa Rd., Ste. 121, El Paso, TX 79936 show on map
tel: 915-858-5712
Hours:
Monday: 10AM–6PM
Tuesday: 11AM–5PM
Wednesday: 11AM–5PM
Thursday: 10AM–6PM
Friday: 10AM–7PM
Saturday: 10AM–2PM
Sunday: Closed
2.30
4 reviews
Quik Cash
6529 N Mesa St, El Paso, TX 79912 show on map
tel: 915-307-4063
Hours:
Monday: 9AM–6PM
Tuesday: 9AM–6PM
Wednesday: 9AM–6PM
Thursday: 9AM–6PM
Friday: 9AM–6PM
Saturday: 9AM–1PM
Sunday: Closed
2.30
3 reviews
Quik Cash
2000 N Lee Trevino Dr, Ste R, El Paso, TX 79936 show on map
tel: 915-629-6970
Hours:
Monday: 9AM–6PM
Tuesday: 9AM–6PM
Wednesday: 9AM–6PM
Thursday: 9AM–6PM
Friday: 9AM–6PM
Saturday: 9AM–1PM
Sunday: Closed
2.10
7 reviews
Quik Cash
5151 Fairbanks, Ste C, El Paso, TX 79924 show on map
tel: 915-757-1432
Hours:
Monday: 9AM–6PM
Tuesday: 9AM–6PM
Wednesday: 9AM–6PM
Thursday: 9AM–6PM
Friday: 9AM–6PM
Saturday: 9AM–1PM
Sunday: Closed
1.00
4 reviews
Quik Cash
1475 George Dieter Dr, Ste F, El Paso, TX 79936 show on map
tel: 915-633-1341
Hours:
Monday: 9AM–6PM
Tuesday: 9AM–6PM
Wednesday: 9AM–6PM
Thursday: 9AM–6PM
Friday: 9AM–6PM
Saturday: 9AM–1PM
Sunday: Closed
0.00
0 reviews
Quik Cash
7021 Alameda Ave, Ste B, El Paso, TX 79915 show on map
permanently closed
0.00
0 reviews
Ace Cash Express
5140 Fairbanks Dr, El Paso, TX 79924 show on map
permanently closed
Near By Cities by Office Count

Latest Reviews

Jamarr Buckner
5 / 5 Apr 26, 2021
about Advance America's office
8900 Viscount Blvd, Ste AO, El Paso, TX 79925
the ragnarok
5 / 5 Apr 25, 2021
about Ace Cash Express's office
4700 Montana Ave, El Paso, TX 79903
Tims Steed
5 / 5 Apr 24, 2021
about Advance America's office
8900 Viscount Blvd, Ste AO, El Paso, TX 79925
P D.
1 / 5 Dec 24, 2015
about Advance America's office
1320 N. Zaragosa Rd., Ste. 121, El Paso, TX 79936

Money troubles....I hate that! Payday loans are expensive people say. Yes, they are. However, they are really good at providing fast cash to borrowers, even to those whose credit scores are low. Payday loans always helped me in hardest times, so I don't care about the interest rates, though certainly I wish they were more borrower friendly. ...

Jessica Hecht
4 / 5 Dec 16, 2013
about Ace Cash Express's office
7500 N Mesa St, Ste 219, El Paso, TX 79912

I have got experience with different companies but the majority of them either are slow on the uptake (it takes long to get a loan) or they have sky-high rates (which is not really inviting). Here is the other way round. I have applied and got cash really very fast. Besides, I think that Ezmoney has a very nice web-site. I believe that even the least-skilled Internet user can follow your instructions easily and read about fees and terms without being confused. I have already told my friends about you because you managed to help right at the time when I needed money most. Such loans will not decide all your problems but can help avoid a lot of trouble; which is sometimes pretty a lot. Thanks again. ...

Rita
4 / 5 Mar 22, 2012
about Ezmoney Loan Services's office
1722 N Zaragoza Rd, #D, El Paso, TX 79936

Payday Loans in El Paso

Payday loan lending is a legitimate type of business in El Paso, as it is in the rest of Texas. There are 24 offices in the city belonging to the states leading lenders – Ace Cash Express, Check’n Go, Quik Cash, and Advance America. They continue to operate as long as people do face difficulties from time to time and consider quick loans a good solution to temporary financial problems.

State Regulation

The Texan law does not cap loan amount or financing fees in any way, so APRs tend to be quite high (more than 600%). Charges and fees, as well as the loan term, depending on the loan size. Everyone applying for a loan must be very careful and sure that he/she can pay it back on time. The lenient Texan law makes borrowers extremely vulnerable, and failure to adequately assess one’s resources can cause serious problems. Prior to applying for a loan, check every bit of information about the chosen lender. Please, be sure that the lender is licensed and presents all loan information (APR, fees, payback period, terms), before signing an agreement.

Local Regulation

  • Ordinance 12-1078-010.001 / PL#149988
  • Passed in the 2014 year
  • Signed by John F. Cook (Mayor), Richarda Duffy Momsen (City Clerk), Sol M. Cortez (Assistant City Attorney)

Restrictions:

  • Every payday lender must be registered in the City;
  • The lender must keep and maintain all loan records;
  • All sum of loans are limited to 20% of the borrower’s gross monthly income;
  • Payday loans must have just 4 installments, 3 rollovers or renewals;
  • The contract must be written in the borrower’s language.

El Paso Payday Loans TimeLine News

  • 3 Oct 2015, ElPasoTimes published the article where compared the number of payday loan lenders before city ordinance and after. The number was dropped to 39%.

Payday Loans Complaints in El Paso

The City of El Paso’s 3-1-1 Program
More information here

Texas Attorney General
File complain online

El Paso Payday Loan Stats

  • The 2019 year, in El Paso MSA area, were 66 store locations, that made the next numbers:
    • The amount of new payday loans: $26 mln
    • Fee charges: $30 mln
    • Refinances: $28 mln
    • the average loan term for a single payday loan was 23 days
    • the average loan term for an installment payday loan was 130 days
    • the average fee for every $100 single payday loan was $25
    • the average fee for every $100 installment payday loan was $145

El Paso General Information

El Paso is a city in the west of Texas, the USA, in the seat of El Paso County, the state’s westernmost region. The city is placed right on the borderline between the United States and Mexico and at the intersection of three states – Texas, New Mexico (the USA), and Chihuahua (Mexico). It borders on Ciudad Juárez, a Mexican city, and is part of the El Paso-Juáres transborder agglomeration.

Before the city’s foundation, the area was inhabited by natives, who were settling along the Rio Grande, as the area was great for hunting and cultivation. The Spanish arrived here on expeditions 1581 and 1583 and realized that the area bounded in the forest, water, a variety of game species, cattle, vines, salt, and other resources. In 1598, Don Juan de Onate took steps to set up long-standing relationships with natives, which was trading clothes, household items, etc. for fish. El Paso del Norte began to grow into a major settlement in the 1650s and played a key role during the Pueblo Revolt and afterward. The city continued to gain military significance through the 1800s, with the construction of the San-Antonio – El Paso Road. In the late 1800s, when railroads connected the town to Mexico, Santa Fe, and other parts of the country, its population and economy increased dramatically, and the growth continued through the mid-1900s.

Geography

El Paso is located on the Rio Grande, which dissects it from Ciudad Juares, Mexico, as well as from Dona Ana County, New Mexico, as it turns northward near the southern end of the Franklin Mountains. The mountain range extends into the city and actually divides the city into two parts. Therefore, El Paso is placed high above sea level (3,800 ft), in the Chihuahuan Desert, so it has a not so humid climate with hot and dry summers and moderately cool winters.

El Paso Population

El Paso has a population of 683577 people; the median age is 32.8 years old. Median household income is $44 431, median individual income is $21 913; 18.2% of families have an income ranging from $50 000 to $75 000; on average, a home is available at $121 349, median rent size is $864; homeownership rate is 59.5%. The racial makeup is: 82% are whites (80.8% are Hispanic whites); the African American population is 3.8%, Asian – 1.3%, Natives are 0.6%.

El Paso today

Today, El Paso is a major economic, industrial, and cultural hub with booming international trade, health care, oil and gas, tourism, and other industries. It is home to more than 70 companies, which are included in the Fortune 500 list of U. S. companies, which are either headquartered or have affiliate offices in El Paso. There are several major military bases in the city, including Biggs Army Airfield, Fort Bliss, and William Beaumont Army Medical Center.

El Paso Residents Debt-to-Income Ratios
El Paso residents have 664 median credit score and the average number of late payments is about 6.54. Below represented DTI (Debt-to-Income) ratios shows how El Paso residents debts stacks up against their income. As of 2020.
Credit Card DTI
7.23%
Mortgage DTI
275.81%
Car Loan DTI
47.80%
Student Loan DTI
43.07%
El Paso Residents Financial Statistics
Below represented statistics is for El Paso, El Paso County, Texas. As of 2019.
Median age of El Paso's residents, years
32
Labour force participation rate, %
62.3%
Unemployment rate, %
6.1%
% of residents with no health insurance
19.1%
Median individual income, USD
$23,566
Median household income, USD
$47,568
% of households with income under $35,000
37.7%
% of households with income $35,000 - $75,000
33.4%
% of households with income $75,000 - $100,000
10.8%
% of households with income over $100,000
18.2%
% of households that own their residence
58.9%
Median home value owned by residents, USD
$128,319
Median rent cost, USD
$837
Rent Burden, %
32.0%
Some official sources of data we used to build this page:
ACS CENSUS IRS USGS
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El Paso, TX
Payday Loans are legal* in Texas.
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