Western-Shamrock Finance
Installment loans · also tax preparation · 201 S Americas Ave #103, Mission Valley
★ 4.9 · 311 ratingsHours listed
Should you go here?
Average reviews, and Texas caps what it can charge.
Its share of bad reviews is about average for El Paso. Ask for the total of all payments, not the monthly figure, and compare a credit union first.
311 ratings. Known for fast service. Customers stay for years.
of its written reviews are 1–2★, a lower share than at 56% 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. 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
Bad reviews by year · 0% in 2026
What borrowers say
- Known for fast service
- Customers stay for years
- Known for helping build credit
Counted in 174 written reviews. Bars: mentions per 100.
What borrowers appreciate
What to watch for
Complaints are counts only.
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
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 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.
Been to Western-Shamrock Finance?
Tell other borrowers what it was like. We read every review before it goes up, good or bad.
Write a reviewIn borrowers’ own words
- “Awesome response time...quick friendly service....I will definitely refer friends and family looking for a loan.....thank u crystal jasmine”
Short lines from 4–5★ written reviews of this store. Complaints are counted above, never quoted.
About this lender
Installment loans, and also tax preparation.
Part of a chain: Western-Shamrock Finance has 5 locations across the Texas cities we cover — El Paso (2), Laredo (1), San Antonio (1), Brownsville (1). See the Western-Shamrock Finance brand page.