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Viva Payday Loans > Payday Loans Online El Paso

Payday Loans Online El Paso

If you’re considering payday loans in El Paso TX, you’re probably scrambling for solutions to a gap in your budget. Or, you are faced with the dreaded arrival of an unexpected expense. Living in El Paso is undoubtedly a joyful experience, but the fact remains; that you have to pay your bills, and sometimes that’s easier said than done!

Finely crafted El Paso payday loans by some of the USA’s most reputable lenders undoubtedly help average Americans live their lives comfortably, and they can help you too. But, where can you find reputable lenders? Right here on, of course!

Payday loans in El Paso TX can help you fix that broken household appliance, pay for an unexpected medical expense, treat your child to a birthday present or even go on the holiday you’ve been threatening to book for years. Whatever your reasons are for needing the cash, one thing is certain: you need the best possible deals for payday loans in El Paso TX made readily available to you. And that’s just what we do at Viva Payday Loans.

What Are Payday Loans In Paso, TX, And How Do They Work?

You might wonder what payday loans are about if you’ve never applied for payday loans in El Paso TX, in the past. The general idea behind this type of personal loans is that they are paid back, either in full, or in installments when your salary is paid into your account.  Lenders set up direct debits to ensure payments are made monthly on time.

Lenders offering payday loans El Paso TX, offer borrowers a simple loan model. As a client, you can apply for a loan quickly and easily online. If approved, you will get the money in as little as just 1 hour. In some instances, payments on payday loans El Paso TX can take up to 24 hours.

The lender will extend a loan contract that details the terms and conditions of the loan along with the interest you are expected to pay. Interest ranges from 5.99% to 35.99%, which is lender dependent. If you take out payday loans El Paso, they can be repaid in full on your next payday, but if you take out a bigger loan of between $100 to $5,000, you get 2 to 24 months to pay.

You can use El Paso payday loans to pay for anything from household expenses to vehicle repairs, holidays, home renovations, emergency expenses, medical fees, and more.

Take Your Pick Of Types Of Payday Loans In El Paso TX

El Paso payday loans come in various shapes and sizes, which means that you can choose a type of loan that suits your needs and financial situation. Below is a quick rundown of some of the payday loans in El Paso Texas, readily available on the portal.

Unsecured Payday Loans in El Paso Texas

If you don’t have a house, car, or another valuable asset to use as collateral, you will need unsecured payday loans in El Paso, TX. These loans don’t require a co-signatory or any form of collateral to secure. If a loan is unsecured, it is typically of a smaller amount than a secured loan. However, interest is usually higher than that of secured loans. You will need to prove that you can afford the repayments by undergoing an affordability assessment carried out by prospective lenders.

Same Day Payday Loans in El Paso

Borrowers who need the cash advance right now and don’t have time to wait will find that the same day El Paso payday loans are the best option for them. Same day loans are often referred to as instant loans or 60-minute loans as the lenders aim to pay out the requested funds within 1-hour or, at the most, 24 hours after the loan is approved. These loans typically come with high interest attached (between 5.99% and 35.99%) and range from $100 to $5,000.

Payday Loans No Credit Check El Paso, TX

Of course, regulatory requirements stipulate that credit checks are used to determine loan affordability with borrowers across the US. That said, not all lenders look solely to FICO scores to determine if a borrower is a suitable payday loans candidate. While the score is important, it only plays a part in the process when applying for payday loans El Paso TX. Instead, the loan affordability is determined by scrutinizing the borrower’s income vs. their monthly expenses. If there’s suitable leeway in their budget to afford the required monthly payments, they stand a greater chance of getting the cash they want and need.

Unemployed Payday Loans In El Paso TX

If you don’t head off to work each day to a traditional job, you may wonder if payday loans El Paso are even an option for you. The truth is that traditional jobs are no longer the only way to earn an income, and if you’re receiving an income of at least $1,000 per month from other means and have been doing so for more than three months, you could be considered viable for a loan. Some of the more common ways for people to earn an income when applying for a payday loans alternative El Paso that recognizes that alternative income streams are suitable include dividends, monthly rental income (property ownership), royalties, commissions, and freelance earnings, trust payouts, benefits, and more.

Features of El Paso Payday Loans

If you’re shopping around for payday loans in El Paso TX via the portal, you will notice that the lenders offer loan packages that share the following features:

Fast Loan Disbursement

There’s nothing worse than applying for a loan and waiting days or weeks for feedback, approval, and the final settlement. A lengthy loan application process is associated with traditional banks but not with payday loan providers in El Paso. Payday loans providers are dedicated to getting borrowers set up with the financial aid they need quickly and efficiently. After all, if you’re in the market for a payday loan, it obviously means you need a helping hand to make ends meet. Most lenders have a 2-minute application and approval process, and then, if the loan is approved, the cash is paid out within 60 minutes or, at most, by the next business day.

100% Online Application Process

With payday loans in El Paso TX, there’s no need to head down to a branch, stand in a queue, or even pick up a telephone to get the loan process started. Instead, everything can be done online by applying just once on the Viva Payday Loans website. Input your details just once, and’s automated system will ensure that your request is presented to several lenders most likely to consider and approve your loan. If a lender can assist, you will be forwarded to their online service to complete the registration process. Even your supporting documentation can be uploaded online and the loan agreement signed digitally.

Flexible Loan Amounts

Every borrower has different needs and requirements when it comes to finances. Some might just need $300 as bridging cash until their next payday, while others might need a few thousand dollars to help them pay for a hefty expense. Lenders offering payday loans El Paso via typically offer loan amounts ranging from as low as $100 to as high as $5,000. Choose the loan amount that best suits your needs!

Advantages & Disadvantages of El Paso Payday Loans


All FICO Scores Welcome

While credit scores still have a role in the finance world, they aren’t the be-all and end-all of loan approval processes. Viva Payday Loans has a great reputation for linking borrowers in a current stable financial position with lenders willing to assist them. Whether you have a no credit history or a poor credit score, you’re most welcome to apply for payday loans El Paso at if you can currently afford the loan repayments comfortably.

Quick Decisions

One of the most frustrating aspects of applying for traditional bank loans is the waiting period and red tape involved. Piles of paperwork, hurdles to jump over, and then days of umming and ahhing from the bank merely elevate stress and impose a sense of panic when you need cash in a hurry. That’s not the case when applying for payday loans in El Paso TX. Loan applications take just a few moments and the approval process, which is fully automated, takes just two minutes to present a “yes” or “no” on your application. The payout is just as quick, taking around 60 minutes (or 24 hours).

Free Access To A Wide Pool Of Lenders

Instead of applying for El Paso payday loans with each individual lender and expecting a credit check from each, you can apply just once on the website and enjoy the benefits of a free loan matching service. This means that your single application reaches a wide pool of lenders, and no hard credit check is done; thus, the process doesn’t have a detrimental impact on your credit history. Even better is the fact that Viva Payday Loan’s loan finder and matching service is absolutely free to you, and in the end, you will deal directly with the lender.


Expensive Borrowing Option

Some might say that convenience comes at a cost. Because the eligibility criteria and loan model of instant cash lenders is different from traditional bank loans, it comes at a cost. Payday loans in El Paso Texas come with 5.99% to 35.99% interest attached.

Eligibility Criteria for El Paso Payday Loans

All lenders are independent and may have their own eligibility criteria to qualify borrowers applying for their payday loans El Paso TX. Most lenders at will require that:

  • You have a valid US social security number.
  • You’re a minimum of 18 years old.
  • You have a regular income (no less than $1,000 per month)
  • You have a bank account that supports direct deposit.
  • You have a healthy income to debt ratio.

Application Process For Payday Loans In El Paso Texas

Follow these four simple steps to apply for * payday loans no credit check El Paso, TX:

Step 1: Get Your Documents In Order

Lenders must do due diligence and verify all applicants details before they can approve and pay out a loan. To ensure that your loan application runs smoothly and that you get the cash you need immediately, make sure that you have the following documents on hand before you start the El Paso payday loans application:

  • Three months’ payslips or alternative proof of income
  • Three months’ bank statements
  • Valid form of ID
  • Proof of address (utility bill)

Step 2: Capture Your Details

The quick and easy online application form on the website makes it simple to capture all your particulars for prospective lenders. You will need to provide your full name and surname, physical address, employment details, banking details (for your payment and the subsequent monthly debits), and a list of your regular monthly expenses. Be as accurate as possible as the outcome of applications for payday loans in El Paso rely on accuracy.

Step 3: Application Review

Once you’ve taken care of the online application form, the automated system will do the rest. It takes only 2 minutes for the system to determine if you’re pre-approved for a loan. If you are, you will need to provide supporting documentation and further information to the lender. Once a lender can assist and provides you with a copy of the intended loan contract, it is important to read through all the El Paso payday loans terms and conditions before signing the agreement and returning it to the lender.

Step 4: Get Cash In Your Account

Once the loan agreement is signed and returned, sit back, relax and wait for your chosen provider of payday loans in El Paso Texas to transfer the funds into your account. This takes about an hour – so don’t get too relaxed!


Are Payday Loans Available In Texas?

Payday loans are legal in Texas. There is no maximum financing fee in Texas, and APRs with some lenders can go as high as 400%. The two types of payday loans El Paso and the rest of Texas are single installment loans which are due in two weeks or a month (these have the highest interest rates), and multiple installment loans, which are usually due within 2 to 24 months.

How Can I Borrow Money And Get It Instantly?

The most convenient way to get a loan instantly is to apply online for a payday loan from lenders offering quick approvals on El Paso payday loans. The loan finder site offering the best deals is

How Much Can I Borrow With A Payday Loan In Texas?

The amount you can borrow with payday loans El Paso TX or a payday loans alternative El Paso all comes down to what the lender has on offer and your current financial status. At, lenders offer amounts ranging from $100 to $5,000 with 2 to 24 months to pay.

Disclaimer: Whilst Viva Payday Loans doesn’t check your credit, your credit may be checked by 1 or more of our lending partners and their third-party credit bureaus upon submission of your request, or at a later date. Further information can be found in our terms and conditions.