Frequently Asked Questions


What is Responsible Lending?

We examine the borrower’s stability, ability and willingness to repay the loan, which we assess using budgets and credit reports, among other things. Budgets help us to ensure that the loan is AFFORDABLE. Another consideration is our history with the borrower, many of whom are loyal customers who come back year after year. We look at each application independently and determine our customer’s ability to repay.

What is a Traditional Installment Lender?

Traditional Installment Lenders make fixed rate small dollar loans to consumers which are repaid in equal monthly payments or installments. They are “plain vanilla” loans, fully amortizing, transparent, and have easy-to-understand terms, due dates, and payment amounts. Our loans are up to $2,000 and from 4 to 30 months in duration (depending on location.)

How does Western Shamrock make a loan decision?

Western Shamrock considers the customer’s stability, ability to repay, and budget to ensure that the customer can meet the requirements of the loan.

Do all Western Shamrock locations offer the same loan amounts?

The loan amounts offered are mandated by state statute.
Loan Amounts



State Amount
Missouri $1,500.00
New Mexico $2,000.00
Oklahoma $1,620.00
Texas $1,480.00

How will I receive my funds?

Funds are always received in person via check at your branch during the loan closing.

Start your loan application now as we strive to make your loan decision within one hour of receiving your application.

What do I need to apply?

You can get in touch online at and provide us with some basic preliminary information. You can also apply over the phone or come directly into one of our branches. Applying for a loan with Western Shamrock is a simple process and we will guide you every step of the way. Before we close your loan we will ask for some basic documentation for verification purposes. These could include:

A copy of a valid, government-issued ID (e.g. driver’s license or passport)

Proof of residence (e.g., a utility bill, or a signed lease)

Proof of income (e.g. paystubs or tax returns)

We may ask for additional items based upon your unique situation. Ready to apply? Start your loan application now.

I have bad credit. Can I still qualify?

Absolutely! Good credit, bad credit or no credit. We evaluate each customer based on their individual needs and repayment abilities.

How old do I have to be to get a loan?

In all states, you must be at least 18 years of age to qualify for a loan/title loan.

Will my personal info be kept confidential?

At Western Shamrock, we are committed to keeping all the information you provide confidential. Please see the privacy policy on our website for details.

How were my loan terms decided?

We have slated terms based on the loan amount you were approved for in our branch. We consider each customer’s unique situation and needs. Loan decisions are made based on a variety of factors, including credit history, income, and availability and value of collateral (if applicable).

My application was turned down. How do I find out the reasons for this decision?

If your application was turned down, you will receive a notice by email or U.S. mail explaining the reasons behind the decision.

How can I make a payment?

Most of our customers make loan payments in person. We accept cash, checks, money orders, and debit card payments. Customers can also mail in a check or money order to their respective branch.

Can I lower my monthly payments?

The payment terms are set by the size of the loan. Traditional Installment Loans are designed to account for ability to repay and therefore produce affordable monthly payments for your financial situation.

I currently have a Western Shamrock loan. Is it possible to receive more money?

It may be possible to increase your credit limit. All loans are based on your situation. We assess your stability, ability to repay, and budget to ensure you can meet the requirements of a larger loan. As long as you are in good standing and meet these requirements, you may be eligible for a credit limit increase.

I was not offered as much money as I applied for. Is it possible to receive a larger loan?

Over time as your situation changes you may qualify for an increase. Improvements to your income, reduction of other debts, and a current pay history are all factors for a review of your credit limit.