Personal, Signature & Installment Loans in Downtown El Paso

Listo Loans Downtown is a local El Paso lender at 412 S. Stanton St., El Paso, TX 79901, near San Jacinto Plaza, the Paso del Norte bridge and the Downtown shopping district. Stop by for a personal signature loan from $100 to $1,340, repaid in fixed installments — or start online and finish at the branch. Se habla español.

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

Address & Phone

Listo Loans – Downtown El Paso
412 S. Stanton St., El Paso, TX 79901
(915) 533-3610

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Find us on:

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Hours

Monday9:00 AM – 8:00 PM
Tuesday9:00 AM – 8:00 PM
Wednesday9:00 AM – 8:00 PM
Thursday9:00 AM – 8:00 PM
Friday9:00 AM – 8:00 PM
Saturday10:00 AM – 5:00 PM
Sunday10:00 AM – 5:00 PM

Loans at this branch

Personal Loans

Money for car repairs, medical bills, home repairs, school or the holidays — from $100 up to $1,340.

Signature Loans

Your signature, proof of income and a few documents are what we need to review your loan.

Installment Loans

Repay in fixed monthly installments over 4 to 18 months, set around your budget. Paying early saves unearned interest.

Payday Loan Alternative

Instead of a single-payment payday loan, spread the cost over several payments. Compare the difference.

What to bring

  • At least 6 months at your current job (full time or 32+ hours a week)
  • Your last 2 check stubs or other proof of income
  • Proof of address in your name (utility bill, etc.)
  • State-issued driver’s license or ID from TX or NM
  • Social Security card
  • 4 family references (name, address, phone)
  • A checking or savings account

Texas & El Paso loan regulations

Installment loans vs. payday loans in Texas

Personal signature (installment) loans in Texas are governed by Chapter 342 of the Texas Finance Code and are repaid in a fixed schedule of payments. Payday loans and auto title loans are a different product: in Texas they are arranged by Credit Access Businesses (CABs) under Chapter 393 and are usually due in one lump sum. Listo Loans offers installment-style signature loans as a payday loan alternative — before you sign, compare the APR, total finance charge and number of payments shown on your Truth in Lending disclosure.

El Paso Credit Access Business ordinance

Since July 1, 2013 the City of El Paso (City Code Chapter 5.17) limits payday and auto title loans arranged by CABs: a payday cash advance may not exceed 20% of the borrower's gross monthly income; an installment payday loan may have no more than 4 installments, each paying down at least 25% of the principal; a single-payment loan may be renewed no more than 3 times, with at least 25% of the principal paid each time; and a new loan within 7 days of paying off the last one counts as a refinance.

Active-duty military (Fort Bliss)

Under the federal Military Lending Act, covered active-duty service members and their dependents cannot be charged more than a 36% Military Annual Percentage Rate on covered consumer loans. Tell us if you or your spouse are on active duty.

Questions or complaints

Contact Listo Loans first: Downtown (915) 533-3610, East (915) 201-2550. Texas consumer lenders are licensed and examined by the Office of Consumer Credit Commissioner (OCCC). If a question or complaint cannot be resolved with the lender, you can contact the OCCC: 2601 N. Lamar Blvd., Austin, Texas 78705 · (800) 538-1579 · occc.texas.gov · [email protected].

Borrow responsibly: only borrow what you can repay on schedule. Loan amounts, rates and terms depend on your application and Texas law; approval is not guaranteed.

Frequently asked questions

What are the hours of Listo Loans Downtown?

Monday to Friday 9:00 AM – 8:00 PM, Saturday and Sunday 10:00 AM – 5:00 PM.

How much can I borrow?

Signature loans range from $100 to $1,340 with terms of 4 to 18 months. The amount you qualify for depends on your income and ability to pay.

Do you check credit?

We review your application, income and job history; bad credit does not automatically disqualify you. Approval is not guaranteed.

Can I start online?

Yes — fill out the online application and finish at the branch.

Other branch: Listo Loans – East El Paso · All locations

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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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