Back To School

Back to School Supplies can really get expensive. Our signature loans will help you get school supplies, new shoes, uniforms or textbooks. Whatever your school needs are, get the money you need fast and easy at Listo Loans.

Get Cash for Back to school Expenses

Back to School Supplies can really get expensive. Our signature loans will help you get school supplies, new shoes, uniforms or textbooks. Whatever your school needs are, get the money you need fast and easy at Listo Loans. Help your children succeed in learning with the right things they need for School.

Do you need to buy your new textbooks? Do you need new clothes for your kids? Get a money loan to ease the expenses associated with back to school. A personal loan is what is needed to get this year of learning off right!

You may be tempted to get a payday loan, but payday loans can turn into a nightmare and end up costing you several times more than you borrowed making it almost impossible to pay back your payday lender. Our loans have a much more reasonable rate and can spread the loan term over a short or longer period. Our affordable installment payment plans are designed to fit your needs.

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  • 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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