Republic Finance
Installment loans · 8001 N Mesa St
★ 5.0 · 21 ratingsHours listed
Should you go here?
Well reviewed, and Texas caps what it can charge.
Borrowers leave fewer bad reviews here than at 88% of El Paso stores. Ask for the total of all payments, not the monthly figure, and compare a credit union first.
21 ratings. Nothing comes up often enough in its reviews to call out.
of its written reviews are 1–2★, a lower share than at 88% of El Paso stores.
Texas sets the maximum charges. Ask for the total of all payments.
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 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
5.0Higher than 76% of El Paso loan stores. City average is 4.5.
Lowest rated in El PasoHighest
Bad reviews (1–2★), share of written reviews
What borrowers say
Stars in its 16 written reviews
Latest review Jul 2026 · 6 in the last year · Owner replied to 16 of 16
No one thing comes up often enough to count as a theme.
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
Their website doesn’t list documents. Call ahead and ask what to bring.
At the store
Walk in, no appointment · Wheelchair access · Apply online first
From republicfinance.com, checked September 2026
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.
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.
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Installment loans.
Part of a chain: Republic Finance has 11 locations across the Texas cities we cover — El Paso (2), Houston (2), Austin (2), Dallas (1), San Antonio (1), McAllen (1), Laredo (1), Brownsville (1). See the Republic Finance brand page.