Payday Loans El Paso TX | Online Cash Advances

How It Works

Get the funds you need in a few simple steps

1

Submit Your Details

Fill out our simple, secure online form from anywhere in El Paso with basic personal and income information.

2

Get Connected

We quickly search our network to connect you with a Texas-licensed lender based on your details.

3

Review the Terms

If connected, carefully read the lender's terms, including all Credit Access Business (CAB) fees and APRs.

4

Receive Your Funds

Upon approval and signature, the lender will deposit funds directly into your checking account, often by the next business day.

Apply Now

Fill out the form below to get matched with a lender

Submitting a form does not guarantee approval. Lenders in our network may perform credit checks through alternative providers or major credit bureaus to determine creditworthiness and verify your identity.

Loan Information

Everything you need to know about our loan options and requirements.

Loan Details

Loan Amounts

$100 - $1,500

Loan Terms

14 to 30 Days

APR Range

200% - 450%+

Types Offered

Payday Loans Installment Loans Cash Advances

Eligibility

Requirements

Be at least 18 years old
Reside in Texas
Have a verifiable source of steady income
Have an active checking account in your name
Not be an active-duty military member

Required Documents

Valid government-issued ID
Recent pay stub or proof of income
Active checking account and routing numbers
Valid contact information (phone and email)

Why Choose Us

Quick Online Form

Complete the simple request form from your smartphone or computer in minutes without visiting an El Paso storefront.

Local Focus

We match Texas residents with lenders who understand state regulations and El Paso's specific city ordinances.

Fast Funding Potential

Once approved by a lender, you could see funds deposited directly into your checking account as soon as the next business day.

All Credit Histories Considered

Lenders in our network understand that emergencies happen, looking at your current income rather than relying solely on your credit score.

Secure Process

Your data is protected using 256-bit encryption technology, ensuring your personal information remains safe during the transfer.

Transparent Terms

Connected lenders must clearly present all CAB fees and interest rates before you are obligated to sign any loan agreement.

What Our Customers Say

5/5

Fast response when my AC broke

Living in the desert, you can't go a day without AC. My condenser blew out and I was short $400 for the repair. The form took me five minutes to fill out, and I got connected to a lender who deposited the money the next morning. Very simple process.

Mateo Ramirez ·El Paso, TX

4/5

Helpful but read the terms

I needed money for a car repair to get to my job off I-10. The matching service was fast, but the lender's fees were pretty high. It did the job in an emergency, just make sure you can pay it back on your next check.

Sarah Jenkins ·Socorro, TX

5/5

Easier than I thought

I've never used a cash advance before, but I was facing an unexpected medical bill. The El Paso Cash Advance site matched me right away. I had a quick phone call with the lender and the funds were there the next business day.

David Ochoa ·El Paso, TX

5/5

Got me through to payday

Groceries and utilities just piled up this month. I requested $300 and got approved quickly. Paying it back was straightforward, exactly what I needed without jumping through hoops.

Jessica Taylor ·Horizon City, TX

4/5

Good for emergencies

My truck needed new tires and I didn't have the cash. Connected with a lender who explained the Texas CAB fees clearly. It's not cheap, but it works when you have zero other options.

Luis Garcia ·El Paso, TX

5/5

Fast funding

I applied on a Tuesday morning and had the money in my checking account by Wednesday. No driving around El Paso looking for a storefront. Totally online.

Elena Montes ·Canutillo, TX

Payday Loan Stores in El Paso, TX

Borrowers in El Paso can visit these local stores for immediate assistance with their financial needs or apply online through our matching service to find the best loan options available.

TitleMax Title Loans

1491 N Lee Trevino Dr, El Paso, TX 79936

Title Loans (915) 599-3031 Mon-Fri 9am-7pm, Sat 10am-4pm

1F Cash Advance

201 S Americas Ave #208, El Paso, TX 79907

Payday Loans (915) 800-3245 Mon-Fri 8am-10pm, Sat 10am-5pm

Advance America

1320 N. Zaragosa Rd., Ste. 121, El Paso, TX 79936

Payday Loans (915) 858-5712 Mon-Fri 10am-6pm, Sat 10am-3pm

PLS Check Cashing

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

Check Cashing (915) 751-6957 Open 24 Hours

ACE Cash Express

4700 Montana Ave, El Paso, TX 79903

Payday Loans (915) 566-3023 Mon-Fri 9am-7pm, Sat 9am-6pm

Cash Store

10705 Gateway Blvd W, El Paso, TX 79935

Cash Advance (915) 594-8224 Mon-Fri 10am-6pm, Sat 10am-2pm

LendNation

5151 Fairbanks Drive, El Paso, TX 79924

Payday Loans (915) 757-1432 Mon-Fri 9am-6pm, Sat 9am-1pm

Tower Loan

1360 Lee Trevino Dr. Suite 308, El Paso, TX 79936

Cash Advance (915) 229-2032 Mon & Fri 8:30am-6:30pm, Tue-Thu 8:30am-5:30pm

Check 'n Go

9040 Dyer St Suite 103, El Paso, TX 79924

Payday Loans (915) 751-1188 Mon-Fri 10am-6pm, Sat 10am-2pm

LoanStar Title Loans

336 N Zaragoza Rd, El Paso, TX 79907

Title Loans (915) 860-2441 Mon-Fri 9am-6pm, Sat 9am-2pm

El Paso Community Profile

El Paso, Texas, is a strategic international trade hub and home to the massive Fort Bliss military complex, making its economy deeply tied to government, healthcare, and logistics. Despite its significant role in global commerce, the city faces a poverty rate of 18.4% and a median household income that remains approximately 25% below the national average. The local workforce is characterized by a high concentration of private-sector service workers and military-related personnel who often deal with wage stagnation relative to rising living costs. These economic factors contribute to a steady demand for short-term lending solutions as residents manage cash flow between paychecks or cover unexpected financial emergencies.

678,147

Population

$58,734

Median Income

18.4%

Poverty Rate

4.1%

Unemployment

Means of Transportation to Work

Drove Alone 74%

Carpooled 14%

Public Transit 1%

Walked 2%

Work from Home 7%

Other 2%

Class of Worker

Private Wage & Salary 77%

Government 17.5%

Self-Employed 5.3%

Unpaid Family 0.2%

Household Income Distribution

Under $25K 21.5%

$25K - $50K 21.5%

$50K - $75K 17.5%

$75K - $100K 12.5%

Over $100K 27%

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

Frequently Asked Questions

Are payday loans legal in El Paso, TX?

Yes. Payday loans are legal in Texas and regulated by the Texas Office of Consumer Credit Commissioner (OCCC). In El Paso, there are also specific city ordinances that govern how these loans operate to protect consumers.

How much can I borrow in El Paso?

Under El Paso city regulations, the maximum amount for a payday loan is capped at 20% of your gross monthly income. Your specific loan offer will depend on your income and the lender's criteria.

How quickly can I get my money?

If you are matched with a lender and approved, funds are typically deposited into your checking account as soon as the next business day. Funding times can vary based on the lender and your bank's processing times.

Do I need good credit to get a payday loan?

No. The lenders in our network work with consumers from various credit backgrounds. They typically focus more on your current income and ability to repay rather than relying solely on your traditional credit score.

What are the requirements to request a loan in Texas?

To request a loan, you generally need to be at least 18 years old, be a resident of Texas, have a steady source of income, possess a valid ID, and have an active checking account in your name.

Can military members at Fort Bliss get a payday loan?

Generally, no. Active-duty military members and their dependents are protected by the federal Military Lending Act, which caps interest rates at 36% MAPR. Traditional Texas payday loans exceed this cap and therefore cannot be issued to active military personnel.

What happens if I can't repay my loan on time?

El Paso city ordinance dictates that short-term loans can only be paid in a maximum of four installments or rolled over three times. Each installment or rollover must reduce the principal balance by at least 25%. If you anticipate missing a payment, contact your lender immediately.

Are you a direct lender?

No. El Paso Cash Advance is not a direct lender. We are a free, third-party matching service that connects potential borrowers with a network of participating lenders who are licensed to operate in Texas.

Ready to Get Started?

Financial emergencies don't wait. Request your funds today to get connected with a lender as soon as possible.

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Need Cash Fast in El Paso? Find a Payday Loan Built for Texas Residents