CashAdvance.io

Hidalgo County, Texas (TX)

Payday & Title Loans in Mercedes, TX

2 lenders in Mercedes, TX · 1 lists hours · 1 open Saturday · 2 verified in the last 30 days · + 8 reported, not yet verified

Looking for a payday or title loan near you in Mercedes, Texas? We list 2 lender locations in Mercedes with addresses, phone numbers, opening hours and, where Texas publishes it, license status. Last checked October 7, 2026.

Open now or opening soon

With hours & phone

Other licensed lenders in Mercedes

1 without listed hours yet

Other lenders reported in Mercedes

These stores appear in public data but are not yet verified, so they have no page here. Call ahead before you go.

Listed in the Texas OCCC licensee search (seen Oct 15, 2026) with a license marked as transitioned to NMLS. Not yet matched to a current store list.

Mercedes lenders at a glance

Mercedes, in Hidalgo County (population 17,535), has 2 lender locations in our directory: 1 payday loan store, 1 title loan store and 1 pawn shop (some stores offer more than one type), all in ZIP code 78570. The chains with the most stores here are ACE Cash Express (1) and EZPAWN (1). The only store here that publishes hours is open on Saturday but not on Sunday. The nearest other city with lenders is Weslaco, about 5 miles away, with 13 locations.

Stores by loan type
Payday loans 1
Title loans 1
Pawn shops 1
County
Hidalgo County
ZIP code
78570
Hours (1 store lists them)
Open Saturday: 1
Open until 7 pm or later on weekdays: 1

Typical cost in Texas

Rules for lenders in Mercedes

Mercedes has no city payday or title loan ordinance in our records, so state law applies: payday and title loans are arranged by licensed credit access businesses, which must post their fees and give you the OCCC's cost disclosure before you sign. The average Texas payday loan APR is about 415%, and about 223% for auto title loans. See Texas lending rules.

Questions people ask

How many payday loan stores are in Mercedes, TX?

We list 1 payday loan store, 1 title loan store and 1 pawn shop in Mercedes, checked against their sources as of October 7, 2026.

Are payday loans legal in Texas?

Yes. Payday lenders operate in Texas under state rules. For example: A credit services organization that arranges payday loans must hold a credit access business license for each location where it operates (Tex. Fin. Code § 393.603).

Which lenders have the most stores in Mercedes?

ACE Cash Express (1 store) and EZPAWN (1 store).

Are any lenders in Mercedes open on weekends?

The only store here that publishes hours is open on Saturday but not on Sunday. Holiday hours can differ, so call ahead.

Answers are generated from the listings and verified rules on this page; see Sources below.

Sources

The listings and rules on this page come from these sources. Each listing also links to its own record.

  1. Texas OCCC ALECS licensee search · 2 locations Last verified Oct 15, 2026
  2. EZPAWN store locator · 1 location Last verified Oct 15, 2026
  3. OCCC, 2025 Study of Consumer Loan Products · Average APRs for payday, title and pawn loans Last verified Oct 7, 2026
  4. Texas Finance Code, chapter 393 (Credit Services Organizations / Credit Access Businesses) · Credit access business rules Last verified Oct 7, 2026

We re-check sources regularly and show the date each was last verified. Spotted a mistake? Tell us and we'll check it against the source.

CashAdvance is not a lender and does not take applications. Listings are information only, built from public records (such as state license lists) and lenders' own published details. Confirm hours, fees and terms with the lender before you visit or borrow.