Legal Disclaimer

Effective date: September 29, 2026

General information only

The content of www.listoloans.com is provided by Listo Loans Management, LLC, doing business as Listo Loans, for general information. It is not legal, tax, credit or financial advice, and reading it does not create an attorney-client or advisory relationship. If you need advice about your situation, please consult a qualified professional.

About our loans

We offer personal signature installment loans of $100 to $1,340 with terms of 4 to 18 months, without collateral, balloon payments or prepayment penalties. Loans are made under Texas Finance Code Chapter 342. We are not a payday lender or a credit access business. Approval is not guaranteed: we review the application, income, job history and credit. Amounts, terms and availability can change, and the exact cost and payment schedule of any loan appear in the disclosures and agreement you receive before you sign. Consider your budget carefully before borrowing.

Website provided "as is"

We work to keep the Site accurate and available, but we do not promise that it will be error-free, uninterrupted or free of harmful components. Information may be out of date or contain mistakes. Where the Site and your signed loan agreement differ, the loan agreement controls.

Limits on liability

To the fullest extent permitted by Texas and federal law, Listo Loans is not liable for damages arising from your use of, or inability to use, the Site, or from reliance on its content. Nothing in this disclaimer limits rights you have under your loan agreement or under laws that cannot be waived.

Third-party links and services

The Site may link to other websites, such as the Texas Office of Consumer Credit Commissioner, and uses a secure third-party form service for online applications. We do not control those sites or services, do not endorse their content, and are not responsible for their practices. Their terms and privacy policies apply when you use them.

Consumer reports, identity and other federal notices

  • We may obtain consumer reports and will send required notices under the Fair Credit Reporting Act and the Equal Credit Opportunity Act if we decline an application.
  • Federal law requires us to verify your identity (USA PATRIOT Act).
  • Covered service members and dependents are protected by the Military Lending Act.

See Legal and Licensing for regulator information.

Intellectual property

Site content, names and logos are protected by intellectual property laws and may not be copied or reused without written permission.

Changes

We may change this disclaimer at any time. The effective date above shows the current version, and continued use of the Site means you accept the update.

Governing law

This disclaimer is governed by Texas law. See our Terms and Conditions for venue and other terms.

Contact

  • Downtown: 412 S. Stanton St., El Paso, TX 79901, (915) 533-3610
  • East: 500 N. Zaragoza Rd. Ste. Y, El Paso, TX 79907, (915) 201-2550
  • Hours: Mon–Fri 9:00 AM–8:00 PM, Sat & Sun 10:00 AM–5:00 PM

Questions or complaints: Complaints and Contact. Regulator: Texas OCCC, (800) 538-1579.

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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