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Payday Loans in El Paso Texas

Pheabs can help you find the best payday loans in El Paso, Texas whether you are looking to borrow $300, $500 or $1,000 for an emergency or with bad credit. Choose how much you wish to borrow and check your eligibility in less than 5 minutes!

Representative Example:
On an assumed loan amount of $750 over 12 months. Rate of interest 292% (fixed). Representative 171%APR. Total repayment amount $1351.20 and total interest is $601.20. 12 monthly payment of $112.60.*

* We do not know how many customers take out a loan or the APR, this calculation is based on
the mean APR of the lenders we work with

Pheabs offers a fast and effective way to get a payday loan in El Paso, Texas. Start by entering your details in less than 5 minutes and we will connect your loan enquiry with the best lender in the area, including stores and national companies. We have a number of options available for people with bad credit and no credit check options too. We offer an instant approval and subject to further checks, your loan can be funded within 1 hour or the same day of applying. We do not charge any fees for using our service, only taking a fee from the lender if your application is successful. the mean APR of the lenders we work with


Get Matched

We will match your loan enquiry with the best loans company in El Paso, based on your income, credit score and  requirements


Instant Decision

Receive an instant decision on the screen and you can electronically sign your loan agreement



Get money into your account within 1 hour or 24 hours once you have been approved

Is A Payday Loan Right For Me?

If you are looking for a payday loan in El Paso, it should ideally be used to cover a one-off emergency such as a household repair or plumbing bill. Such loans carry high interest rates and are therefore designed to be short term and not something that you use over and over again.

A payday loan can be very effective because it is often funded within 1 hour or the same day, so you can get the money upfront to pay off your emergency and repay when you next get paid from work. Hence, the loan should only last around 2 to 4 weeks and you should think carefully how you are going to repay, otherwise the added fees can start to accumulate and it can also damage your credit score.

Where Can I Get a Loan in El Paso, Texas?

We accommodate the entire area of El Paso, including:


Ascarate, Buena Vista, Chelmont, Chihuahuita, Cielo Vista, Coronado, Festival, Five Points, Kern Place, Las Palmas, Mission Hills, Montoya Heights, North Hills, North Park, Redd Mulberry, Rim Area, Rio Grande, San Antonio, Segundo Barrio, Sunset Heights, Upper Valley, Vista Del Sol, Ysleta

Nearby Cities

Alfredo V. Bonfil, Campestre Juárez, Canutillo, Cardenas, Ciudad Juárez, Colonia Lindavista, Colonia Waterfill, El Paso del Norte, Fort Bliss, Juárez, La Coyotera, Los Chinos, Manuel F. Martínez, Paso del Norte, Pecan Grove, Prado Verde, Rancho Flores, Rancho Palo Chino, Sausal, Seneca, Senecú, Siete Leguas, Socorro, Sunland Park

Where Can I Get A Payday Loan In El Paso?

Pheabs can help you id the right payday loan in El Paso. When submitting a form through us, your payday loan request is reviewed by multiple lenders to assist you in getting the funds you’re searching for as quickly as possible. You can also submit a form 100% online without leaving the house, saving you valuable time and getting that money into your account even faster. Just choose the amount you are looking to loan from $100 to $35,000, and your repayment terms and let Pheabs do the rest. 

There are no fees for submitting a form, and the money can be paid into your bank account the same day in one lump sum. Submit a form for a fast and efficient payday loan in El Paso today and get a decision in minutes.

How Soon Can I Receive A Payday Loan In El Paso?

You can receive the funds for a Payday loan in Texas into your account on the same day as submitting a form. Once you have filled out the online form, you’ll receive an instant decision and could receive the money in just one hour. This is a convenient way to get your finances back on track as quickly as possible. 

When submitting a form for a payday loan directly with a bank, they often take into consideration your credit report. It may also be days or weeks until they have finalized your payday loan request. In many cases, this is just not quick enough. And, if your request isn’t approved, you’re back at square one. Submit a form with Pheabs for a payday loan in El Paso today and get a decision in minutes!

How Do I Repay My Payday Loan In El Paso?

Payday loans in El Paso can be repaid in as little as two weeks, or up to five years. You can choose a short-term loan, available for 2-4 weeks, and pay it back in one full repayment. This gives you some time to get your next paycheque. Longer-term loans are available for up to five years to be paid back in equal instalments each month. You always have the option to repay early at any time and save money on interest.

Am I Eligible For A Payday Loan In El Paso?

To be eligible for a payday loan in El Paso, there are four simple requirements. Firstly, you must be a U.S. resident and at least 18 years of age. You also need to have a consistent income of at least $800 per month. It is also necessary to have a checking account for your El Paso payday loan to be paid into. 

Can I Get a Loan in El Paso With Bad Credit?

Yes, our partners are able to offer payday loans with bad credit in El Paso, understanding that having a perfect credit score is not realistic and there are always emergencies that crop up.

If you have poor credit, you can still be eligible if you have a stable income and commitment to paying your loan on time. This may be adjusted with a higher interest rate or you may require collateral such as your car to help make the transaction go through.

How Can I Apply For a Loan in El Paso With Pheabs?

You can start by clicking on the button below, and you will be asked to complete your details in less than 5 minutes including your name, DOB, address, employment, income and bank details – so we know where to send the money.

You will receive an instant offer on the screen after being matched by one of our partner lenders and if you wish to proceed, you will be sent an electronic loan agreement to sign using your email address and an SMS PIN code.

Subject to further credit and identity checks by the lender, and maybe a phone call to confirm, your loan can be funded in 15 minutes, 1 hour or next business day.

There are no fees for applying and our application will not impact your credit score in any way.