Our 5 Star Payday Loans store at 11321 Montwood Dr #9 in El Paso, Texas offers payday loans and cash advances for qualifying applicants. You can start your application online and pick up the cash in store if approved. All lending at this location complies with Tex. Fin. Code § 393.601-393.628.
Services at Our El Paso Location
Payday Loans ($100 to $1,000)
Short-term funding based on your income. Apply online and pick up the cash in store if approved. In El Paso, the amount you can borrow is limited by city ordinance to no more than 20% of your gross monthly income, so your maximum depends on what you earn.
Cash Advances
Short-term funds that can help cover emergency expenses, bills, car repairs, or other costs between pay periods.
Bad Credit Loans
Approval decisions focus on your income and ability to repay, not only your credit score. Past credit issues do not always block you from getting help.
Know Before You Borrow in Texas
No statutory cap on the credit access business fee – set by the loan agreement
Max APR / Fee
Varies
Max Loan Amount
Varies
Max Term
Required
Lender License
Governing law: Tex. Fin. Code § 393.601-393.628
For complete Texas payday loan rules: Texas Payday Loan Guide →
Loan Cost Examples for Texas (Applies at This El Paso Location)
Texas does not cap what a payday lender can charge. A payday loan in Texas is arranged by a credit access business, which “may assess fees for its services as agreed to between the parties” (Tex. Fin. Code § 393.602), and the Legislature expressly withheld from the Finance Commission and the Office of Consumer Credit Commissioner any authority to limit those fees (§ 393.622). Because the price is whatever your contract says, no representative cost example can honestly be shown. What Texas does require is procedural: every fee must be disclosed before it can be charged, the business must be licensed, and no device, subterfuge or pretense may be used to evade these rules. The annual percentage rate on your Truth-in-Lending disclosure is the figure to compare between lenders – ask for it in writing, with the total dollar cost, before you sign. Source: Tex. Fin. Code §§ 393.601-393.628 (§ 393.602 effective 1 January 2012), text current through the 89th 2nd Called Legislative Session, 2025, as published by the Texas Legislative Council. Last checked 13 August 2026.
Common Questions About Our El Paso Location
Some well-known spots near our 11321 Montwood Dr #9 location include The Halloween House El Paso, John Lyons Park, and Eastwood Park (Album Park). If you are already heading to that part of El Paso, the store is a short stop. You can also apply online from your phone first to save time.
The area near 11321 Montwood Dr #9 feels like a regular El Paso neighborhood. Familiar places nearby include Americas High School, Bel Air High School, and John D Day, MD. If you need emergency cash, you can start your application online and walk in to finalize.
More Resources
Explore 5 Star Payday Loans in El Paso and across Texas: All Locations • Texas Payday Loan Guide • Payday Loans • Cash Advance Loans • Bad Credit Loans • Same Day Loans.
