LendNation

Payday loans · also check cashing · 5151 Fairbanks Dr Ste C, Northeast El Paso

★ 4.8 · 231 ratingsHours listed

Should you go here?

Many bad reviews, and the loan is expensive.

Borrowers leave more bad reviews here than at 66% of El Paso stores. The risk is the product: fees are high and renewing adds the fee again. Compare a cheaper option first.

Watch out

What borrowers say4.8★

231 ratings. Known for explaining the terms clearly.

What borrowers say ↓

Watch out

Bad reviews6%

of its written reviews are 1–2★, a higher share than at 66% of El Paso stores. 3rd of 4 LendNation branches here.

How it compares ↓

Watch out

What it costs$570 / month

In fees on a $1,000 loan, at the Texas average. Texas sets no cap on these fees.

Work out your cost ↓

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 routeA credit-union loan could save you about $1,643 on $1,000 over 3 months →0.1 mi away · installment loansMidwest Finance — ★ 5.0, few bad reviews →

From ratings and written reviews of this store and state fee data (OCCC, Q2 2026). Checked September 2026. We don’t lend and no store pays us.

How it compares

Against every loan store in El Paso and every other LendNation branch.

Rating

4.8Higher than 43% of El Paso loan stores. City average is 4.5.

Lowest rated in El PasoHighest

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

This store6%

Average LendNation branch in El Paso6%

Average El Paso payday loan store4%

Bad reviews by year · 4% in 2026

21242526

What borrowers say

Ask for Julia or Ricardo
Known for explaining the terms clearly

Counted in 133 written reviews. Bars: mentions per 100.

What borrowers appreciate

Explains the terms clearly8 reviews · 6 per 100
Fast service6 reviews · 4.5 per 100

What to watch for

Rude staff3 reviews · 2.3 per 100

Complaints are counts only.

Work out what you’d repay

Payday lenders in the Texas report an average fee of $26.60 per $100 for 14 days (OCCC, Q2 2026) — about $57.00 per $100 a month. Texas sets no cap on these fees, so ask this store for its own.

I want to borrow

and pay it back

You’d pay in total

$1,570

$1,000 you borrowed$570 in fees

Paid back in one go after about a month. If you can’t pay, renewing costs another $570 each month and doesn’t reduce what you owe.

Before you go

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

Bring these

IDProof of incomeBank statementsProof of address

At the store

Walk in, no appointment · Wheelchair access · Apply online first

What to bring is from their website.

Ask these at the counter

1
What is the total I’ll repay, in dollars, and when?
Borrowers here mention: known for explaining the terms clearly.
2
What happens if I can’t pay on the due date?
Ask what a renewal costs and whether they call your employer or references.
3
Can I pay it off early, and is there a fee?
Texas law says your contract must allow early payoff with no penalty. Ask them to confirm.

Payday 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

Need $1,000 for 3 months? A credit-union loan could save you about $1,643.

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.

Credit-union PAL$1,067

This payday loan, renewed twice$2,710

Total repaid on $1,000 over 3 months, at the Texas average fee (OCCC) and the federal PAL cap (12 CFR 701.21).

Nearby alternatives

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

Been to LendNation?

Tell other borrowers what it was like. We read every review before it goes up, good or bad.

Write a review

In borrowers’ own words

“Even though this store was about to close Mrs.Julia stayed to help us she was so patient with explaining everything and answering all of our questions”
“Awesome customer service, quick and easy process”

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

About this lender

Payday loans, and also check cashing.

Part of a chain: LendNation has 9 locations across the Texas cities we cover — San Antonio (5), El Paso (4). See the LendNation brand page.

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