About Us

Since 2006, Listo Loans and its team of friendly and knowledgeable associates have been providing El Paso/Juarez Metroplex customers with money they need and with very affordable monthly payments.

Our expert customer loan associates have many years of experience, can answer all your questions and provide you with a quick and easy loan to meet your budget. Plus, our contracts are easy to understand and read, the customer will know up front what all the cost and terms are.

Many of our customers become like family because great service and trust are so important to building our relationship with you the customer. Your success in building credit and repaying your loan is our success too!

  • We are also committed to keeping your information protected and private.
  • We are licensed and regulated by the State of Texas

We are not a Payday or Car title lender

We also do starter loans too! New customers are always welcome!

Getting a loan is as easy as 1, 2, 3!

Se Habla Espanol.

Our Roots in El Paso

Listo Loans has been part of El Paso for a long time. City permit records show work at 412 S. Stanton St. under the Listo Loans name in 2006, and the company has served El Paso and the Borderplex since 2007.

Today we have two branches, Downtown and East, and our team helps customers in English and Spanish. Both branches are open seven days a week.

Timeline

DateMilestone
June 21, 2006Listo Loans Management, LLC formed in Texas, according to company records.
September 7, 2006Tenant-improvement permit recorded at 412 S. Stanton St. under the Listo Loans name.
Early 2007Plumbing and electrical permits recorded at the same address; Listo Loans begins serving El Paso.
2019Two El Paso branches and a bilingual English/Spanish website.
TodayBoth branches open seven days a week.

The company behind Listo Loans

Listo Loans is operated by Listo Loans Management, LLC, a Texas limited liability company. Texas company records list Gary Nadler as registered agent, manager and director, and Lee Nadler as a member. Mr. Nadler is also known in El Paso through Nadler Investment Company and local business and community involvement.

What we offer

We offer personal signature installment loans from $100 to $1,340, with terms of 4 to 18 months. No collateral is needed, there are no balloon payments, and there is no prepayment penalty. Loan amounts and terms may change; your exact terms are confirmed at application.

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Loan amounts and terms may change; your exact terms are confirmed at application.

  • Minimum Loan Requirements
    • Minimum of 6 months at your current job (full time or 32 hours per week)
    • Last 2 check stubs or proof of income
    • Proof of address under your name (utility bills, etc.)
    • State issued driver’s license or identification from TX or NM
    • Social security card
    • 4 references family only, name, address, phone number.
    • Checking or savings account

    • Important Disclosures

    Who we are

    Listo Loans is a brand of Listo Loans Management, LLC, a Texas limited liability company (Texas SOS file no. 0800671541), with branches at 412 S. Stanton St., El Paso, TX 79901 and 500 N. Zaragoza Rd. Ste. Y, El Paso, TX 79907. Loans are made and closed at our El Paso branches. Listo Loans offers personal signature installment loans under Chapter 342 of the Texas Finance Code. We are not a payday lender, an auto title lender or a credit access business (CAB).

    Loan terms

    Loan amounts range from $100 to $1,340 with repayment terms of 4 to 18 months, paid in scheduled installments. There is no balloon payment and no prepayment penalty; paying early can reduce the interest you pay. Loan amounts, rates, fees and terms may change and depend on your application, income, ability to pay and Texas law. Your exact terms are confirmed at application.

    Our online application accepts requests from $100 up to $35,000. Larger requests are reviewed through our secure online form service; approval, amount and terms are not guaranteed and may differ from our branch signature loans.

    Cost of credit

    The Annual Percentage Rate (APR), finance charge, amount financed, total of payments and payment schedule for your loan are disclosed in writing under the federal Truth in Lending Act before you sign. Personal installment loans can be an expensive form of credit; please review your disclosures and loan agreement carefully and borrow only what you can repay on schedule. Late or missed payments may result in charges permitted by your loan agreement and Texas law.

    Approval

    Approval is not guaranteed. All applications are subject to review of your application, income, employment, identity and credit. Decision times such as "as little as 15 minutes" are estimates and are not a promise; funding depends on completing verification and signing your loan documents at the branch.

    Online application

    Our online application is processed through a secure third-party form service. Submitting it is a request to be contacted and does not create a loan. Information you submit is used to process your request as described in our Privacy Policy.

    Identification

    To help the government fight the funding of terrorism and money laundering, federal law (USA PATRIOT Act) requires us to obtain, verify and record information that identifies each person who opens an account. We will ask for your name, address, date of birth and other identifying information, and may ask to see your driver's license or other identifying documents.

    Military borrowers

    Covered active-duty service members and their dependents are protected by the Military Lending Act, which limits the Military Annual Percentage Rate (MAPR) to 36% on covered consumer credit. Please tell us if you or your spouse are on active duty.

    Equal credit opportunity

    The federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status or age (provided the applicant has the capacity to contract); because all or part of the applicant's income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act.

    Questions and complaints

    Contact us first: Downtown (915) 533-3610, East (915) 201-2550. Texas consumers may also contact the Office of Consumer Credit Commissioner (OCCC), 2601 N. Lamar Blvd., Austin, Texas 78705, (800) 538-1579, occc.texas.gov.

    Financial hardship

    If you are struggling with debt, consider talking to a nonprofit credit counselor (for example through nfcc.org) before taking on new credit.

    Website information

    The information on this website is general and educational, is not financial, legal or tax advice, and may change without notice. Loans are made only at our El Paso, Texas branches. Use of this site is subject to the terms and policies listed in the footer above. Sitemap.

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