Personal loans in San Elizario, TX
U.S. Census Bureau, ACS 2020–2024 5-year estimates for San Elizario, TX.
The median household in San Elizario earns $49,977 a year, 36% below the Texas median of $78,476. About 26% of residents live below the federal poverty line, and 32.0% of households rent their home.
Texas law that applies in San Elizario
| Rate cap | Under the true-daily-earnings method: 30% a year on the part of the cash advance up to the first bracket, 24% up to the second, and 18% up to the third. |
|---|---|
| License required | A Chapter 342 license is required to make, transact or negotiate loans that charge more than other law allows. |
| Loan sizes covered | The tiered rates apply to cash advances up to $23,000 (2026-27 bracket). |
Full rules with statute citations: Personal Loans in Texas. Cities in Texas cannot set their own payday or title loan rate caps in most cases; zoning rules for storefronts are local.
What you need for a personal loan in San Elizario
Lenders that serve San Elizario typically ask for the following:
- Be 18 or older and a US resident
- Your Social Security number for identity verification
- A steady source of income
- An active checking account in your name
- A working phone number and email address
Popular loan amounts in San Elizario
What San Elizario borrowers use it for
keep getting to work while the shop fixes it
Medical billspay a doctor, dentist or pharmacy bill now
Rent duecover a short gap before payday
Moving costsdeposits, trucks and first-week expenses
Loans for your situation
How to get a personal loan in San Elizario
- Choose an amount from $100 to $5,000 and complete one form.
- Lenders in our network review your request; many accept fair or bad credit.
- Compare the APR, monthly payment and total cost on any offer.
- If you accept, money is usually deposited in 1–2 business days.
Estimate your cost
Personal / installment loan calculator
Estimate only. Your rate depends on your credit, income and state; your lender shows the exact terms before you sign.
Banks and credit unions in the area
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.
Nearby cities
County: El Paso County · Payday Loans in San Elizario · Title Loans in San Elizario
Frequently asked questions
Can I get a personal loan with bad credit in San Elizario?
Possibly. Lenders in our network consider applicants with fair and bad credit across Texas, including San Elizario. Expect higher APRs than prime borrowers get, and compare every offer's total cost.
Is there a maximum interest rate on personal loans in San Elizario, TX?
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 made July 1, 2026 to June 30, 2027). Small loans up to $1,840 may instead use an acquisition charge plus a monthly handling charge, which produces much higher APRs.
How fast can I get a personal loan in San Elizario?
Many online lenders give a decision within minutes and deposit funds in one to two business days after you sign. Your bank's processing time can add a day.
How long does it take to get a personal loan in San Elizario?
With online lenders, the process is usually fast. Our form takes about 3 minutes, many lenders make a decision within minutes, and approved funds are often deposited by the next business day. Some lenders may ask for documents such as pay stubs, which can add a little time. Having your information ready before you start helps you get money sooner in San Elizario.
Can I get an emergency loan with bad credit in San Elizario?
Yes, many emergency loan lenders consider borrowers with bad credit. They often put more weight on your current income and ability to repay than on past credit problems. Approval isn't guaranteed, but applying through our network lets you reach multiple lenders with a single request instead of applying again and again. San Elizario residents can see if they qualify in about 3 minutes.
Can I get a personal loan in San Elizario with bad credit?
Yes, it's possible. Many lenders in our network work with borrowers who have fair, poor or limited credit, and they look at factors like income and employment, not just your score. Approval and rates depend on your full profile, and nothing is guaranteed, but checking your options is free. San Elizario residents can see if they qualify for $100 to $5,000 in about 3 minutes.
Can I get a personal loan with a 500 credit score?
It may be possible. A score around 500 limits options with traditional banks, but some online lenders consider low scores when you have steady income and an active bank account. Offers may be for smaller amounts, and approval isn't guaranteed. The quickest way to find out is to submit one request through our network and see whether lenders respond with an offer. It takes about 3 minutes.
How can I get an emergency loan in San Elizario?
Unexpected bills happen, and an online emergency loan can help you handle them quickly. Fill out our 3-minute form with your income and bank details, and lenders in our network will review your request. Many make decisions within minutes, and approved funds are often deposited by the next business day. Amounts range from $100 to $5,000, and you're never obligated to accept an offer.
Do I need to visit a store in San Elizario?
No. You can request offers online from a phone or computer. Some lenders, especially title lenders, may ask you to visit a location or send photos of your vehicle.