Loans in El Paso County, TX: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for El Paso County, TX.
The median household in El Paso County earns $59,806 a year, 24% below the Texas median of $78,476. About 19% of residents live below the federal poverty line, and 35.8% of households rent their home.
What you need for a payday loan in El Paso County
Lenders that serve El Paso County typically ask for the following:
- Be 18 or older (19 in some states) and a US resident
- A government-issued photo ID
- A steady source of income — a job, benefits or self-employment
- An active checking account in your name for the deposit
- A working phone number and email address
Popular loan amounts in El Paso County
What El Paso County borrowers use it for
pay a doctor, dentist or pharmacy bill now
Rent duecover a short gap before payday
Holiday expensesgifts and travel without maxing a card
Emergencieshandle the unexpected the same week
Loans for your situation
Which loans are available in El Paso County
Payday Loans Legal via CSO/CAB
Payday loans are legal in Texas but are arranged by a 'credit access business' (CAB), a licensed credit services organization that obtains the loan for you from a third-party…
Personal Loans
Tiered caps for licensed Chapter 342 lenders: up to 30% a year on the first $4,600, 24% on the part from $4,600 to $9,660, and 18% on the part up to $23,000 (amounts for loans…
Title Loans Legal via CSO/CAB
Auto title loans are legal in Texas through the same credit access business model as payday loans: a licensed CAB arranges a loan secured by your unencumbered vehicle from a…
Banks and credit unions in El Paso County
Banks with branches in El Paso County
85 FDIC-insured bank branches from 17 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| First National Bank Texas | 17 | 4530 Woodrow Bean Trans Mountain Road, El Paso 79924 |
| WestStar Bank | 13 | 1500 North Fabens Road, Fabens 79838 |
| Wells Fargo Bank, National Association | 10 | 6175 Gateway Blvd W, El Paso 79925 |
| JPMorgan Chase Bank, National Association | 9 | 303 N Oregon St, El Paso 79901 |
| Bank of America, National Association | 7 | 685 Sunland Park Dr, El Paso 79912 |
| PNC Bank, National Association | 6 | 7744 N Loop Dr, El Paso 79915 |
| First American Bank | 4 | 125 N Mesa Hills Dr, El Paso 79912 |
| Sunflower Bank, National Association | 3 | 201 E Main Dr, El Paso 79901 |
| First Savings Bank | 3 | 909 N Mesa St, El Paso 79902 |
| Vantage Bank Texas | 3 | 1790 N Lee Trevino Dr, El Paso 79936 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in El Paso County
69 credit-union locations from 11 credit unions.
| Credit union | Location |
|---|---|
| Nusenda | 4849 N Mesa St, El Paso 79912 |
| Firstlight | 9993 Kenworthy St, El Paso 79924 |
| Mountain Star | 2229 E Yandell Dr, El Paso 79903 |
| Navy Federal Credit Union | 1355 George Dieter Dr, El Paso 79936 |
| Security Service | 2301 E Missouri Ave, El Paso 79903 |
| Gecu | 7227 Viscount Blvd, El Paso 79925 |
| Chevron | 1404 N Lee Trevino Dr, El Paso 79936 |
| Raiz | 12020 Rojas Dr, El Paso 79936 |
| White Sands | 4545 Hondo Pass Dr, El Paso 79904 |
| Evolve | 8840 Gazelle Dr, El Paso 79925 |
| One Source | 8870 Gazelle Dr, El Paso 79925 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in El Paso County
Frequently asked questions
Are payday loans legal in El Paso County?
El Paso County follows Texas law. Payday loans are legal in Texas but are arranged by a 'credit access business' (CAB), a licensed credit services organization that obtains the loan for you from a third-party lender.
Are title loans legal in El Paso County?
Auto title loans are legal in Texas through the same credit access business model as payday loans: a licensed CAB arranges a loan secured by your unencumbered vehicle from a third-party lender, and the CAB fee is not capped by state law.
Where can I get a small loan in El Paso County?
Options include 85 bank and 69 credit-union locations in the county, licensed installment lenders, and online lenders you can reach through our short form in about 3 minutes.
How do I get a loan in El Paso County?
Fill out our short online form from anywhere in El Paso County. We share it with lenders in our network that serve Texas; if one approves you, you review the terms and the money is deposited to your bank account, often the next business day.
Where can I get a loan in El Paso County, TX?
You can apply at banks, credit unions and lenders in El Paso County, or apply online from anywhere in the county. Online requests are often the quickest way to reach several lenders at once. Our free form sends a single request to lenders in our network that serve Texas residents, and many give a decision within minutes. It takes about 3 minutes to see if you qualify.
Can I get a loan in El Paso County with bad credit?
Yes, many lenders in our network work with El Paso County residents who have fair, poor or limited credit. They look at your income and ability to repay, not just your score, and some use alternative credit data instead of a traditional hard pull. Approval isn't guaranteed, but checking is free and takes about 3 minutes. Loan amounts range from $100 to $5,000.
Can I get an emergency loan in El Paso County?
Yes. When an unexpected bill comes up, El Paso County residents can request an emergency loan online at any time of day. Our 3-minute form reaches multiple lenders in our network, many decide within minutes, and approved funds are often deposited by the next business day. All credit types are considered, and there's no cost or obligation to see your options.
Can I get a loan in El Paso County on the weekend?
You can submit our online form any day, including weekends and holidays, and some lenders review requests right away. Deposits depend on banking days, so funds requested on a Saturday or Sunday typically arrive the next business day. Submitting early helps you get the first available deposit. El Paso County residents can start any time, and it takes about 3 minutes.