Laredo, TX · South · CSO model
Payday loans in Laredo
Laredo is governed by Texas's statewide lending law — cities don't set their own loan rules. Texas runs a credit services organization (CSO) model: lenders operate through licensed brokers, which changes how fees appear on paper — the loan math below shows what that means in practice.
Compare the total you repay — broker fee plus the note — never the headline note rate.
Lending storefronts in Laredo
257,156 residents · Webb County Median household income is $39,711 — below the Texas median of $59,624.
20 storefront locations of 14 companies listed in the public directory snapshot below. Categories are the directory's own — verify a store's license with the state regulator before borrowing.
| Lender | Address | Phone | Hours |
|---|---|---|---|
| Advance America Title Loans, Installment Loans, Check Cashing/Pay-day Loans | 502 West Calton Rd Ste204, 78041 | (956) 791-4222 | Mon 10:00 AM - 6:00 PM · hours vary |
| Approved Money Center Title Loans, Installment Loans, Check Cashing/Pay-day Loans | 5110 McPherson Rd Ste 6B, 78041 | (956) 568-2301 | Mon 9:30 AM - 6:00 PM · hours vary |
| B & F Finance Installment Loans | 2108 Chihuahua St Ste 6, 78040 | (956) 728-7283 | Mon 8:30 AM - 6:00 PM · hours vary |
| B & F Finance Installment Loans, Auto Loan Providers | 502 W Calton Rd Ste 106, 78041 | (956) 725-5626 | Mon 8:30 AM - 6:00 PM · hours vary |
| Continental Credit Installment Loans | 2820 San Bernardo Ave Ste 2, 78040 | (956) 753-3555 | Mon–Fri 9:00 AM - 5:00 PM · Sat–Sun Closed |
| Maverick Finance Installment Loans | 3210 Jaime Zapata Memorial Hwy Ste A12, 78043 | (956) 791-1452 | Mon–Fri 9:00 AM - 5:00 PM · Sat–Sun Closed |
| Oportun Installment Loans | 2419 E Saunders St, 78043 | (956) 752-3111 | Mon 11:00 AM - 7:00 PM · hours vary |
| Prestamos Del Rey Title Loans, Installment Loans | 2620 Springfield Ave 403 N Ave E Ste C, 78040 | (281) 446-6700 | Mon 9:00 AM - 5:00 PM · hours vary |
| Security Finance Installment Loans | 2108 Chihuahua St Ste 4, 78043 | (956) 723-6431 | Mon 9:00 AM - 5:00 PM · hours vary |
| Security Finance Installment Loans | 1920 San Bernardo Ave Ste 108, 78040 | (956) 753-3555 | Mon 9:00 AM - 5:00 PM · hours vary |
| Speedy Cash Check Cashing/Pay-day Loans, Title Loans, Installment Loans | 2119 E Saunders St, 78041 | (956) 722-3175 | Mon 8:00 AM - 8:00 PM · hours vary |
| Speedy Cash Check Cashing/Pay-day Loans, Title Loans, Installment Loans | 7120 San Bernardo Ave, 78041 | (956) 722-3199 | Mon 8:00 AM - 8:00 PM · hours vary |
| Sun Loan Company Tax Services, Installment Loans | 616 W Calton Rd Ste 1, 78041 | (956) 727-8955 | Mon 8:30 AM - 5:30 PM · hours vary |
| Sun Loan Company Tax Services, Installment Loans | 4160 S Zapata Hwy Bldg B, Ste 3, 78046 | (956) 717-8565 | Mon 8:30 AM - 5:30 PM · hours vary |
| Sun Loan Company Tax Services, Installment Loans | 2100 Corpus Christi #10, 78043 | (956) 729-8004 | Mon 8:30 AM - 5:30 PM · hours vary |
| Sun Loan Company Tax Services, Installment Loans | 1411 Hidalgo, 78040 | (956) 722-3641 | Mon 8:30 AM - 5:30 PM · hours vary |
| Sunbelt Credit Installment Loans | 616 W Calton Rd Ste 9, 78041 | (956) 723-4771 | Mon 9:00 AM - 5:00 PM · hours vary |
| Texas Car Title & Payday Loan Services Title Loans, Check Cashing/Pay-day Loans, Installment Loans | 4301 McPherson Ave, 78041 | (877) 864-4972 | Mon 10:00 AM - 7:00 PM · hours vary |
| Western Finance Banks & Credit Unions | 2100 Corpus Christi St Ste 12, 78043 | (956) 722-8677 | Mon 9:00 AM - 6:00 PM · hours vary |
| Western Shamrock Finance Banks & Credit Unions, Tax Services | 4501 McPherson Ave, 78041 | (956) 729-1355 | Mon 9:00 AM - 6:00 PM · hours vary |
Listing data: public business directory, collected 2022-02-20. Stores close and relocate — confirm with the regulator's license lookup on the Texas page before visiting. Spot an error? Report it.
The online route in Laredo
Texas online lenders run the same CSO math as storefronts — broker fee on top of the note — when they are licensed in the state. Loans routed through partner banks or tribal charters sit outside the state schedule, and regulators dispute the structure.
From the online lenders directory — terms each lender publishes about itself, checked September 2026. Directory only: we are not affiliated and make no availability promises — verify with the lender and the Texas regulator.
The rules behind the numbers
Credit Access Businesses (CABs) charge fees for arranging loans with third-party lenders, resulting in high-cost short-term credit.
In practice: borrow $300 for a standard term and the finance charge is $60 — $360 repaid at the end, about 400% - 600% APR. Every compliant lender in Laredo has to fit inside that schedule.
Statute: Tex. Fin. Code Ch. 393
Regulator: Texas Office of Consumer Credit Commissioner · occc.texas.gov
Questions people ask in Laredo
How do payday loans work in Laredo, TX?
Laredo operates under Texas's CSO (credit services organization) model: a licensed broker arranges the loan with a third-party lender and adds a broker fee on top of the note. The note rate looks lower; the broker fee is where the real cost sits.
What does a CSO-arranged loan cost in Laredo?
On a $300 advance you repay about $360 once the broker fee and the note are both settled — roughly 400% - 600% APR on a standard term. The math is set by state law, so it is the same in every Texas city.
Which CSO storefronts are in Laredo?
20 storefronts are listed in Laredo in our 2022-02-20 directory snapshot (14 different companies). The full list with addresses, phones and hours is in the table above.
Who licenses CSOs in Laredo?
Complaints about a lender go to the Texas Office of Consumer Credit Commissioner (occc.texas.gov) — keep the loan agreement and every fee disclosure you were given.