Loan company · Directory snapshot 2022-02-20
Western Finance
102 storefront locations across 3 states and 97 cities. Company site: westernshamrock.com. Loan rules are set state by state — the matrix below shows where this chain operates and what each state allows.
Where Western Finance operates — and what each state allows
A store can only charge what the state's regime permits, so the same chain prices very differently across state lines — or doesn't operate at all where classic payday pricing is banned.
| State | Regime | Locations | Cities |
|---|---|---|---|
 Texas | CSO model | 93 | 88 |
 New Mexico | 36% APR cap | 5 | 5 |
 Missouri | Allowed | 4 | 4 |
Products seen at Western Finance locations
Installment loans — 91 of 102 locations · Title loans — 11 of 102 locations · Banking services — 7 of 102 locations · Payday / check cashing — 4 of 102 locations Categories come from the public directory, not from the company; treat them as orientation, not a product list.
Western Finance locations by city
Every listed location, by state and city. Hours are shown in each city's guide.
Missouri · state rules
| City | Address | Phone | Hours |
|---|---|---|---|
| Lebanon | 212 W Commercial St, 65536 | (417) 532-0382 | Mon 9:00 AM - 6:00 PM · hours vary |
| Monett | 600 Dairy St Ste G, 65708 | (417) 236-0580 | Hours not listed |
| Nevada | 110 W Walnut St, 64772 | (417) 448-1611 | Mon 9:00 AM - 6:00 PM · hours vary |
| West Plains | 1508 Imperial Ctr, 65775 | (417) 256-7750 | Mon 9:00 AM - 6:00 PM · hours vary |
New Mexico · state rules
| City | Address | Phone | Hours |
|---|---|---|---|
| Albuquerque | 3765 Isleta Blvd SW Ste G, 87105 | (505) 873-6037 | Mon 9:00 AM - 6:00 PM · hours vary |
| Clovis | 1412 N Prince St, 88101 | (575) 769-0947 | Mon 9:00 AM - 6:00 PM · hours vary |
| Las Cruces | 1061 N Solano Dr, 88001 | (575) 523-2810 | Mon 9:00 AM - 6:00 PM · hours vary |
| Los Lunas | 1910 Main St Ste C, 87031 | (505) 865-4535 | Mon 9:00 AM - 6:00 PM · hours vary |
| Roswell | 1010 S Main St Ste 3, 88203 | (575) 623-3394 | Mon 9:00 AM - 6:00 PM · hours vary |
Texas · state rules
| City | Address | Phone | Hours |
|---|---|---|---|
| Abilene | 4143 N 1st, 79603 | (325) 676-1091 | Hours not listed |
| Alice | 418 E Main St, 78332 | (361) 664-2882 | Mon 9:00 AM - 6:00 PM · hours vary |
| Alpine | 201 W Holland Ave, 79830 | (432) 837-9494 | Hours not listed |
| Alvin | 2625 S Bypass 35 Ste 185, 77511 | (281) 824-8122 | Mon 9:00 AM - 6:00 PM · hours vary |
| Amarillo | 3101 S Western St Unit 6, 79109 | (806) 358-0505 | Mon 9:00 AM - 6:00 PM · hours vary |
| Andrews | 119 N Main St, 79714 | (432) 524-2300 | Hours not listed |
| Athens | 607 E Tyler St Ste 110B, 75751 | (903) 675-5501 | Mon 9:00 AM - 6:00 PM · hours vary |
| Austin | 6602 S Congress Ave, 78745 | (512) 442-9787 | Mon–Fri 9:00 AM - 6:00 PM · Sat–Sun Closed |
| Baytown | 3402 N Main St, 77521 | (281) 422-8719 | Hours not listed |
| Beaumont | 75 N 11th St, 77702 | (409) 833-5956 | Hours not listed |
| Beeville | 312 N Washington St, 78102 | (361) 358-9991 | Hours not listed |
| Big Spring | 1901 B Gregg St Ste B, 79720 | (432) 268-9090 | Mon 9:00 AM - 6:00 PM · hours vary |
| Brady | 114 N Blackburn St, 76825 | (325) 597-1474 | Hours not listed |
| Breckenridge | 606-A W Walker, 76424 | (254) 559-7242 | Mon 9:00 AM - 6:00 PM · hours vary |
| Brenham | 1509 S Market St, 77833 | (979) 830-1872 | Mon 9:00 AM - 6:00 PM · hours vary |
| Brownfield | 419 W Main St, 79316 | (806) 637-4242 | Mon 9:00 AM - 6:00 PM · hours vary |
| Brownsville | 831 E Washington St, 78520 | (956) 542-1877 | Mon 9:00 AM - 6:00 PM · hours vary |
| Brownwood | 805 N Fisk Ave, 76801 | (325) 643-6583 | Hours not listed |
| Bryan | 810 E Villa Maria Rd, 77802 | (979) 823-8705 | Hours not listed |
| Carthage | 307 W Sabine St, 75633 | (903) 690-0147 | Mon 9:00 AM - 6:00 PM · hours vary |
| Cleburne | 1652 W Henderson St Ste F, 76033 | (817) 645-0383 | Hours not listed |
| Conroe | 2017 N Frazier St Ste G8B, 77301 | (936) 756-5177 | Hours not listed |
| Corpus Christi | 4316 Ayers St, 78415 | (361) 857-0081 | Mon 9:00 AM - 6:00 PM · hours vary |
| Crockett | 1003 E Loop 304, 75835 | (936) 544-5101 | Hours not listed |
| Del Rio | 522 S Main St, 78840 | (830) 775-1969 | Mon 9:00 AM - 6:00 PM · hours vary |
| Eagle Pass | 385 E Main St, 78852 | (830) 758-1977 | Hours not listed |
| El Paso | 4301 Montana Ste C & D, 79903 | (915) 562-1061 | Mon 9:00 AM - 6:00 PM · hours vary |
| El Paso | 3910 Doniphan Dr Ste D, 79922 | (915) 581-8370 | Hours not listed |
| Elsa | 701 E Edinburg Ave, 78543 | (956) 262-7303 | Mon 9:00 AM - 6:00 PM · hours vary |
| Ennis | 206 W Knox St, 75119 | (972) 875-6844 | Mon 9:00 AM - 6:00 PM · hours vary |
| Floresville | 540 10th St Ste 122, 78114 | (830) 393-2210 | Hours not listed |
| Ft Stockton | 1111 W Dickinson Ste B, 79735 | (432) 336-7701 | Hours not listed |
| Galveston | 2323 Broadway St, 77550 | (409) 765-5988 | Mon 9:00 AM - 6:00 PM · hours vary |
| Granbury | 1323 N Plaza Dr, 76048 | (817) 579-7773 | Mon 9:00 AM - 6:00 PM · hours vary |
| Harlingen | 522 S 77 Sunshine Strip Ste A, 78550 | (956) 421-4505 | Mon 9:00 AM - 6:00 PM · hours vary |
| Hebbronville | 610 N Smith Ave Ste 6, 78361 | (361) 527-4036 | Mon 9:00 AM - 6:00 PM · hours vary |
| Henderson | 515 Hwy 79 S, 75654 | (903) 655-8608 | Hours not listed |
| Hereford | 233 Main St, 79045 | (806) 363-6544 | Mon 9:00 AM - 6:00 PM · hours vary |
| Hillsboro | 125 E Elm St, 76645 | (254) 582-3191 | Mon 9:00 AM - 6:00 PM · hours vary |
| Huntsville | 1308 Sam Houston Ave Ste A, 77340 | (936) 291-7724 | Hours not listed |
| Jacksonville | 1734 S Jacksonville St, 75766 | (903) 586-1201 | Mon 9:00 AM - 6:00 PM · hours vary |
| Jasper | 331 S Wheeler St, 75951 | (409) 384-7300 | Hours not listed |
| Kerrville | 1406 Sidney Baker, 78028 | (830) 792-2161 | Mon 9:00 AM - 6:00 PM · hours vary |
| Kingsville | 225-A Kleberg Ave, 78363 | (361) 592-3872 | Mon 9:00 AM - 6:00 PM · hours vary |
| Laredo | 2100 Corpus Christi St Ste 12, 78043 | (956) 722-8677 | Mon 9:00 AM - 6:00 PM · hours vary |
| League City | 816 W Main St, 77573 | (281) 557-9613 | Mon 9:00 AM - 6:00 PM · hours vary |
| Levelland | 802 Austin St, 79336 | (806) 894-6257 | Hours not listed |
| Liberty | 800 N Main St Ste B1, 77575 | (936) 336-8800 | Hours not listed |
| Livingston | 321 D W Church St, 77351 | (936) 327-1112 | Mon 9:00 AM - 6:00 PM · hours vary |
| Lockhart | 301 S Commerce St, 78644 | (512) 398-9082 | Hours not listed |
| Lufkin | 535 S Chestnut Ste B, 75901 | (936) 637-1777 | Mon 9:00 AM - 6:00 PM · hours vary |
| Marshall | 105 W Burleson St, 75670 | (903) 935-9996 | Mon 9:00 AM - 6:00 PM · hours vary |
| McAllen | 1422 Dallas St, 78501 | (956) 630-5626 | Hours not listed |
| Mercedes | 928 W 2nd St, 78570 | (956) 514-0292 | Hours not listed |
| Midland | 3312 W Illinois Ave, 79703 | (432) 520-2323 | Hours not listed |
| Mineola | 201 W Broad St, 75773 | (903) 569-5194 | Mon 9:00 AM - 6:00 PM · hours vary |
| Mineral Wells | 1100 SE 1st St Ste E, 76067 | (940) 325-0725 | Mon 9:00 AM - 6:00 PM · hours vary |
| Monahans | 1502 S Stockton Ave Ste 2, 79756 | (432) 943-2203 | Mon 9:00 AM - 6:00 PM · hours vary |
| Mt Pleasant | 311 N Jefferson Ave, 75455 | (903) 572-4444 | Mon 9:00 AM - 6:00 PM · hours vary |
| Nacogdoches | 2203 North St, 75965 | (936) 569-2228 | Mon 9:00 AM - 6:00 PM · hours vary |
| Odessa | 2805 Andrews Hwy, 79762 | (432) 334-0530 | Hours not listed |
| Orange | 1104 N 16th St Ste C, 77630 | (409) 882-9300 | Mon 9:00 AM - 6:00 PM · hours vary |
| Palestine | 321 E Spring St Ste 107A, 75801 | (903) 723-0261 | Mon 9:00 AM - 6:00 PM · hours vary |
| Paris | 204 N Collegiate Dr, 75460 | (903) 739-2489 | Mon 9:00 AM - 6:00 PM · hours vary |
| Pasadena | 1717 Shaver St, 77502 | (713) 477-0912 | Hours not listed |
| Pearsall | 212 S Oak St, 78061 | (830) 334-2329 | Hours not listed |
| Pharr | 1101 N Cage Ste 5A, 78577 | (956) 783-9400 | Mon 9:00 AM - 6:00 PM · hours vary |
| Plainview | 628 Broadway, 79072 | (806) 293-5707 | Hours not listed |
| Pleasanton | 1612 W Oaklawn Rd, 78064 | (830) 569-5889 | Mon 9:00 AM - 6:00 PM · hours vary |
| Rosenberg | 1912 Ave H Ste C, 77471 | (281) 232-6030 | Mon 9:00 AM - 6:00 PM · hours vary |
| San Angelo | 20 N Howard Ste B, 76901 | (325) 949-3435 | Mon 9:00 AM - 6:00 PM · hours vary |
| San Antonio | 3534 Fredericksburg Rd Ste 18, 78201 | (210) 736-2413 | Mon 9:00 AM - 6:00 PM · hours vary |
| San Antonio | 600 Bandera Ste 1, 78228 | (210) 734-6491 | Mon 9:00 AM - 6:00 PM · hours vary |
| San Antonio | 612 SW Military Dr, 78221 | (210) 921-0037 | Mon 9:00 AM - 6:00 PM · hours vary |
| San Antonio | 1247 SW Military Dr, 78221 | (210) 921-0078 | Mon 9:00 AM - 6:00 PM · hours vary |
| San Antonio | 3138 SE Military Dr Ste 110, 78223 | (210) 924-9281 | Mon 9:00 AM - 6:00 PM · hours vary |
| Seguin | 550 N Hwy 123 Byp Ste 190, 78155 | (830) 372-1680 | Mon 9:00 AM - 6:00 PM · hours vary |
| Seminole | 204 S Main St, 79360 | (432) 758-3550 | Hours not listed |
| Silsbee | 265 Hwy 327 E, 77656 | (409) 385-7966 | Hours not listed |
| Stephenville | 110 S Columbia, 76401 | (254) 965-2294 | Mon 9:00 AM - 6:00 PM · hours vary |
| Sulphur Springs | 109 Linda Dr Ste B, 75482 | (903) 439-4172 | Mon 8:00 AM - 5:00 PM · hours vary |
| Taylor | 208 N Main St, 76574 | (512) 352-6807 | Mon 9:00 AM - 6:00 PM · hours vary |
| Temple | 8 E Central St, 76501 | (254) 771-3255 | Mon–Fri 8:30 AM - 5:30 PM · Sat–Sun Closed |
| Terrell | 357 S Virginia, 75160 | (972) 524-4398 | Mon 9:00 AM - 6:00 PM · hours vary |
| Texarkana | 3807 N Stateline Ave, 75503 | (903) 794-5626 | Hours not listed |
| Vernon | 3719 Wilbarger St, 76384 | (940) 553-4995 | Mon 9:00 AM - 6:00 PM · hours vary |
| Victoria | 705 E Rio Grande St, 77901 | (361) 572-0056 | Mon 9:00 AM - 6:00 PM · hours vary |
| Waco | 2404 W Waco Dr, 76701 | (254) 755-8818 | Mon 9:00 AM - 6:00 PM · hours vary |
| Weatherford | 1406 S Main St, 76086 | (817) 599-5792 | Mon 9:00 AM - 6:00 PM · hours vary |
| Weslaco | 512 S Texas Blvd, 78596 | (956) 968-8431 | Mon 9:00 AM - 6:00 PM · hours vary |
| Wichita Falls | 1800 Kemp Blvd, 76309 | (940) 723-9393 | Mon 9:00 AM - 6:00 PM · hours vary |
| Woodville | 1103 S Magnolia St, 75979 | (409) 283-8210 | Hours not listed |
| Zapata | 1802 N US Hwy 83, 78076 | (956) 765-5661 | 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 company or your state regulator before visiting. Spot an error? Report it.
Questions about Western Finance
How many Western Finance locations are there?
Our 2022-02-20 public directory snapshot lists 102 Western Finance storefronts across 3 states and 97 cities — the full list by city is on this page. The snapshot is not exhaustive, and stores close and open; treat it as a starting point and verify with the company or your state regulator.
Is Western Finance licensed in my state?
The coverage matrix above shows every state where Western Finance locations were listed. Listing in a directory is not proof of licensing — before borrowing, confirm the license through your state regulator (linked on every state page).
What does Western Finance offer?
Directory categories at Western Finance locations most often mention Installment loans (91 locations), Title loans (11 locations), Banking services (7 locations), Payday / check cashing (4 locations). Pricing is set by each state's caps, not by the company nationwide — check the state page for the legal limits.
What are cheaper alternatives to Western Finance?
Federal credit-union PALs (28% APR ceiling), installment lenders priced under your state's cap, employer advances, and payment plans with the bill you are covering. Our application form also compares offers from a partner network of licensed lenders where the product is legal.