PLS Check Cashers
Payday loans · also check cashing, money transfer, money orders · 1921 Montana Ave, Five Points West
★ 4.6 · 746 ratingsHours listed
Open 24 hoursOpen SundaysSe habla español
Should you go here?
Many bad reviews, and the loan is expensive.
Borrowers leave more bad reviews here than at 72% of El Paso stores. The risk is the product: fees are high and renewing adds the fee again. Compare a cheaper option first.
746 ratings. Known for fast service. The owner answers complaints. Common complaint: checks turned away.
of its written reviews are 1–2★, a higher share than at 72% of El Paso stores.
In fees on a $1,000 loan, at the Texas average. Texas sets no cap on these fees.
Loan stores in Texas need an OCCC licence for each location. Check this one before you sign.
From ratings and written reviews of this store, state fee data (OCCC, Q2 2026) and the chain’s own website. Checked September 2026. We don’t lend and no store pays us.
How it compares
Against every loan store in El Paso.
Rating
4.6Higher than 34% of El Paso loan stores. City average is 4.5.
Lowest rated in El PasoHighest
Bad reviews (1–2★), share of written reviews
Bad reviews by year · 8% in 2026
What borrowers say
- Ask for Ana or Eduardo
- Cashes payroll, personal and insurance and settlement checks
- Known for fast service
- Common complaint: checks turned away
Counted in 553 written reviews. Bars: mentions per 100.
What borrowers appreciate
What to watch for
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
At the store
Walk in, no appointment · Wheelchair access · Parking · Se habla español
From pls247.com, checked September 2026
Ask these at the counter
- 1
What is the total I’ll repay, in dollars, and when?
Ask for it in writing before you sign.
- 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.
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.
Nearby alternatives
The closest real storefronts — at least two take a different route. Numbers match the map.
- 1World FinanceInstallment loans · 0.2 mi★ 5.0Few bad reviews
- 2Cash America PawnPawn loans · 0.8 mi★ 3.9Many bad reviews
- 3Mr Dollar Finance CoInstallment loans · 1.0 mi★ 5.0
- 4Midwest FinanceInstallment loans · 1.1 mi
- 5Regional FinanceInstallment loans · 1.3 mi★ 4.6Many bad reviews
- 6Clio Finance Co IncInstallment loans · 1.3 mi
Been to PLS Check Cashers?
Tell other borrowers what it was like. We read every review before it goes up, good or bad.
Write a reviewIn borrowers’ own words
- “A special thanks to Jessica, well greeted and cashed quiick in and out service”
- “Great customer service they refunded my money order same day even though it was not their fault”
- “Carlos was very attentive and explained everything very clearly.”
- “No hidden fees, no surprises , just exactly what they promised”
- “Ana and Jonathan were very respectful costumer service was excellent”
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, money transfer, money orders.
Part of a chain: PLS Check Cashers has 53 locations across the Texas cities we cover — Houston (21), Dallas (14), San Antonio (8), Fort Worth (6), El Paso (2), Austin (2). See the PLS Check Cashers brand page.