B & F Finance

Installment loans · 3388

★ 4.9 · 64 ratingsNo hours listed · call ahead

Should you go here?

Well reviewed, and Texas caps what it can charge.

Borrowers leave fewer bad reviews here than at 61% of El Paso stores. Ask for the total of all payments, not the monthly figure, and compare a credit union first.

Good sign

What borrowers say4.9★

64 ratings. Nothing comes up often enough in its reviews to call out.

What borrowers say ↓

Good sign

Bad reviews2%

of its written reviews are 1–2★, a lower share than at 61% of El Paso stores.

How it compares ↓

Check it

What it costsCapped

Texas sets the maximum charges. Ask for the total of all payments.

Check it

LicenceLook it up

Loan stores in Texas need an OCCC licence for each location. Check this one before you sign.

OCCC licence search ↗

A cheaper routeAsk a credit union about a small-dollar loan first →0.0 mi away · check cashingChecks Cashed Loans Debit Cards →

From ratings and written reviews of this store. Checked September 2026. We don’t lend and no store pays us.

How it compares

Against every loan store in El Paso.

Rating

4.9Higher than 54% of El Paso loan stores. City average is 4.5.

Lowest rated in El PasoHighest

Bad reviews (1–2★), share of written reviews

This store2%

Average El Paso installment loan store7%

What borrowers say

Counted in 48 written reviews. Bars: mentions per 100.

What borrowers appreciate

Fast service4 reviews · 8.3 per 100

What it costs

Capped by Texas law

Installment lenders need an OCCC licence and Texas sets the maximum they may charge. Ask for the total of all payments in dollars, not just the monthly figure.

Before you go

What to take, and what to ask before you sign.

Bring these

SSN or ITIN

At the store

Apply online first

What to bring is from their website.

Ask these at the counter

1
What is the total of all payments, in dollars?
Not just the monthly figure. Ask whether insurance is added, and whether it is optional.
2
What happens if I’m late?
Ask for the late fee in dollars and whether they call your employer or references.
3
Can I pay it off early?
Ask them to confirm there is no charge for paying early.

Installment loans in Texas: how they work, your rights, how to get out →

Check the licence: OCCC licence search or call 800-538-1579.

A cheaper route

Before you borrow here, ask a credit union about a small-dollar loan.

A Payday Alternative Loan (PAL) from a federal credit union is $200–$2,000, repaid over 1–12 months, capped at 28% a year plus a $20 fee at most. You usually join the credit union first, which can take a day.

Nearby alternatives

The closest real storefronts — at least two take a different route. Numbers match the map.

Been to B & F Finance?

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In borrowers’ own words

“Awesome friendly quick service Blanca very helpful”

Short lines from 4–5★ written reviews of this store. Complaints are counted above, never quoted.

About this lender

Installment loans.

Part of a chain: B & F Finance has 9 locations across the Texas cities we cover — San Antonio (3), Brownsville (1), El Paso (1), Laredo (1), McAllen (1), Houston (1), Corpus Christi (1). See the B & F Finance brand page.

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