Get a Payday Loan in El Paso, TX
Three minutes to request, no fee, and no obligation to accept any offer.
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Texas loan rules at a glance
| Rule | Texas limit |
|---|---|
| Legal status | Legal and regulated |
| Maximum loan amount | No statewide dollar cap. El Paso: single-payment payday loan ≤ 20% of gross monthly income; auto-title ≤ lesser of 3% gross annual income or 70% of vehicle value |
| Maximum term | About 7 to 180 days |
| Finance charge cap | No statewide cap on CAB fees or APR (effective APR commonly ~560%–660%). El Paso's ordinance limits loan amount and rollovers but does NOT cap the fee. |
| Rollovers | No state limit. El Paso: ≤ 3 rollovers/renewals or ≤ 4 installments, each retiring ≥ 25% of principal |
| Cooling-off period | No statutory single-transaction cooling-off; El Paso's caps (20% income, 4 installments / 3 rollovers, 25% principal) are the operative protections |
| Statute | Credit Access Business law + City of El Paso ordinance — Tex. Finance Code Ch. 393 & 342 (7 TAC Ch. 83); El Paso Code Ch. 5-17 |
Source: Texas Office of Consumer Credit Commissioner (OCCC) · Rules verified July 5, 2026
Before you apply
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Usually within minutes. If a lender makes you an offer and you accept during business hours, funds are typically deposited as soon as the next business day.