Personal Signature Loans in El Paso, TX
Local installment loans from Listo Loans: borrow $100 to $1,3401 with your signature and repay in fixed payments over 4 to 18 months. Two El Paso branches, serving the Borderplex since 2007.
- $100 – $1,340
- 4 – 18 months
- No collateral
- No prepayment penalty
- Open 7 days
- Se habla español
Loan amounts and terms may change; your exact terms are confirmed at application. Approval is not guaranteed.
Listo Loans in 30 seconds
Captions available. Approval not guaranteed.
What do you need the money for?
Listo Loans at a glance
| Loan amount | $100 – $1,340 |
|---|---|
| Repayment term | 4 to 18 months, fixed scheduled payments |
| Collateral | None — signature loan |
| Balloon payment | None |
| Prepayment penalty | None — paying early saves unearned interest |
| How to apply | Online, by phone or in person |
| Decision | In as little as 15 minutes once your documents are complete |
| Where it closes | At our Downtown or East El Paso branch |
| Payments | At the branch, by phone with a debit card, or automatic draft |
Simple 3-step process
How it works
Apply in minutes, get a decision fast and pick up your cash at a local El Paso branch — with a real person to answer your questions.
- 1
Apply
Start online, call your nearest branch or walk in. Tell us how much you need.
- 2
Get a fast decision
Bring your documents and we review your application, income and job history.
- 3
Sign & get your cash
Review your Truth in Lending disclosure, sign the contract and collect your cash.
What to bring
- 6+ months at your current job (full time or 32+ h/week)
- Last 2 pay stubs or other proof of income
- Proof of address in your name
- TX or NM driver’s license or state ID
- Social Security card
- 4 family references (name, address, phone)
- A checking or savings account
Start online and finish at your nearest branch. Se habla español.
Apply NowLoan examples
| Amount | Term | Monthly payments | APR, finance charge & payment |
|---|---|---|---|
| $300 | 4 months | 4 | Disclosed before you sign |
| $700 | 12 months | 12 | Disclosed before you sign |
| $1,340 | 18 months | 18 | Disclosed before you sign |
Examples for illustration only. Your APR, finance charge, amount of each payment and total of payments depend on the amount, term and Texas law, and are disclosed in writing under the Truth in Lending Act before you sign. Loan amounts and terms may change.
Borrow responsibly
Borrow only what you need
Pick the smallest amount that covers the expense.
Check the payment fits
Make sure the monthly payment fits your budget after rent, bills and food.
Read your disclosures
Compare the APR, finance charge and total of payments before you sign.
Call us early
If money gets tight, call your branch before the due date to talk through options.
Frequently asked questions
How much can I borrow with Listo Loans?
Our branch signature loans range from $100 to $1,340 with terms of 4 to 18 months.
Can I get a loan with bad credit?
Bad credit does not automatically disqualify you. We review your application, income, job history and credit. Approval is not guaranteed.
How fast can I get my money?
You can be approved in as little as 15 minutes once your application and documents are complete. You sign the contract and collect your cash at the branch.
Is this a payday loan?
No. Listo Loans offers personal signature installment loans repaid in scheduled payments over 4 to 18 months — not a single lump sum on your next payday.
Do I need collateral?
No. A signature loan needs no collateral — no car title or property is required.
Can I pay my loan off early?
Yes. There is no prepayment penalty, and paying early saves you the unearned months' interest.
Can I apply online?
Yes. Apply online, call a branch or visit us in person. Online applications are processed through a secure third-party form service.
I'm in the military. Are there special protections?
Yes. Covered active-duty service members and their dependents are protected by the Military Lending Act, which limits the Military Annual Percentage Rate to 36%. Please tell us if this applies to you.
How Our Personal Loans Work.
We are Not a "Pay Day" Loan Company