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Compare legal limits, fees and the true cost of small loans in your state before you talk to any lender. Compare legal limits, fees and the true cost of small loans in your state.
Credit Unions vs Payday Loans in San Antonio, TX
14 credit unions are headquartered in San Antonio, with 1,261,429 members in total. Credit unions are member-owned and often offer small personal loans and payday alternative loans (PALs) at far lower rates than payday lenders.
- Credit unions
- 14
- Members
- 1.3M
- Federal
- 11
- State-chartered
- 3
Credit unions vs payday loan stores in San Antonio
San Antonio has 109 payday, installment and title loan stores but only 14 credit unions headquartered here — about 7.8 loan stores for every credit union. Local credit unions count 1,261,429 members — roughly 68 memberships per 100 residents.
Credit unions
14
0.8 per 100k residents
1.3M members
Payday & loan stores
109
5.9 per 100k residents
16 store chains
Biggest loan store chains in San Antonio: ACE Cash Express (22), TitleMax (22), Speedy Cash (9), Sun Loan Company (9), Western Shamrock Finance (9).
What a $500 loan costs over 3 months
| Option | Payment | Total cost |
|---|---|---|
| Payday loan, re-borrowed 6 times (~662%+ APR) | $75.00 every 2 weeks | $450.00 |
| Credit union PAL, 3 monthly payments (28% APR + $20 fee) | $174.50 a month | $43.51 |
- You keep with a credit union PAL over 3 months
- $406.49 payday costs 10× more
Payday: a typical fee of $75 on a $500 loan for 2 weeks (TX limits are not set in dollars), paid 6 times in 3 months. PAL: payday alternative loan from a federal credit union, capped at 28% APR with an application fee of up to $20.
What it means for a household in San Antonio
- Median household income
- $73,448
- Payday fee of $75, share of two weeks' income
- 2.7%
- Hours of work to pay the $75 fee
- 4.1 hours
- PAL payment of $174.50, share of monthly income
- 2.9%
- A $400 emergency equals
- 2.0 days of income
- Households earning under $25,000
- 16.2%
- Residents below the poverty line
- 15.3%
Income and poverty: U.S. Census Bureau, American Community Survey, by ZIP code; figures for San Antonio are population-weighted and approximate. Hours of work are based on the median individual income.
Payday loans vs credit union PALs: the rules in Texas
| Payday loan in TX | Credit union PAL | |
|---|---|---|
| Legal status | Allowed | Offered by many federal credit unions |
| Loan amount | No limit (CSO Model) | $200 – $2,000 |
| Fee limit | No state cap (fees set by city ordinances) (Varies) | Application fee up to $20 |
| Typical APR | ~662%+ | Up to 28% |
| Term | Usually 2–4 weeks, due in one payment | 1 to 12 months, in installments |
| Credit check | Usually none; a bank account and income are required | Membership required; payments can be reported to credit bureaus |
Payday rules: Texas law as summarized on our Texas payday page. PAL rules: National Credit Union Administration (NCUA) rules for federal credit unions (PAL I and PAL II); state-chartered credit unions may offer similar small loans.
Credit unions headquartered in San Antonio
| Credit union | Address | Members | Website |
|---|---|---|---|
| Security Service Federal Credit UnionFederal | PO Box 691510 San Antonio, TX 78269 | 741,871 | ssfcu.org |
| Credit Human Federal Credit UnionFederal | 1703 Broadway San Antonio, TX 78215 | 263,451 | credithuman.com |
| Firstmark Credit UnionState-chartered | P.O. Box 701650 San Antonio, TX 78270 | 89,089 | firstmarkcu.org |
| Soarion Federal Credit UnionFederal | 1560 Cable Ranch Rd Ste 200 San Antonio, TX 78245 | 58,938 | soarion.org |
| Generations Community Federal Credit UnionFederal | PO Box 791870 San Antonio, TX 78279 | 47,193 | mygenfcu.org |
| Synergy Federal Credit UnionFederal | PO Box 691730 San Antonio, TX 78269 | 12,314 | synergyfcu.org |
| H E B Federal Credit UnionFederal | 4630 N Loop 1604 W Ste 101 San Antonio, TX 78249 | 12,144 | hebfcu.org |
| River City Federal Credit UnionFederal | PO Box 681029 San Antonio, TX 78268 | 11,716 | rivercityfcu.org |
| Baptist Credit UnionState-chartered | 5815 Ih 10 West San Antonio, TX 78201 | 7,547 | baptistcu.org |
| Select Federal Credit UnionFederal | 1914 N Interstate 35 San Antonio, TX 78208 | 5,462 | selectfcu.org |
| Southwest Research Center Federal Credit UnionFederal | 7215 Culebra Rd San Antonio, TX 78251 | 5,409 | swrcfcu.com |
| City Public Service/Ibew Federal Credit UnionFederal | 1002 Camden St San Antonio, TX 78215 | 3,926 | cpsibewfcu.org |
| Texas Associations of Professionals Federal Credit UnionFederal | 9110 W Interstate 10 Ste 100 San Antonio, TX 78230 | 1,362 | tapfcu.coop |
| Alamo City Credit UnionState-chartered | 4801 NW Loop 410 Ste 100 San Antonio, TX 78229 | 1,007 | alamocitycu.com |
Payday and installment loan stores in San Antonio
For comparison: storefront payday, installment and title lenders in San Antonio with addresses, phone numbers and hours. Check a credit union first — a PAL or small personal loan usually costs far less.
| Address | Phone | Hours | Google rating |
|---|---|---|---|
| 11600 Bandera Rd #118 San Antonio, TX 78250 | (210) 509-0174 | — | 4.9 |
| 11751 Blanco Rd San Antonio, TX 78216 | (210) 349-8578 | — | 4.9 |
| 12803 Nacogdoches Rd San Antonio, TX 78217 | (210) 590-2360 | — | 4.8 |
| 1960 SW Military Dr San Antonio, TX 78221 | (210) 921-2731 | — | 4.9 |
| 231 San Pedro Ave San Antonio, TX 78205 | (210) 212-4800 | — | 4.7 |
| 2501 Bandera Rd Ste 101 San Antonio, TX 78238 | (210) 523-7911 | — | 4.9 |
| 2864 Thousand Oaks Dr #101 San Antonio, TX 78232 | (210) 545-3780 | — | 4.7 |
| 3226 Nogalitos St #101 San Antonio, TX 78225 | (210) 531-8737 | — | 4.9 |
| 4447 Fredericksburg Rd Balcones Heights, TX 78201 | (210) 737-2024 | — | 4.8 |
| 4931 Walzem Rd Windcrest, TX 78218 | (210) 654-6362 | — | 4.9 |
| 5110 Rigsby Ave San Antonio, TX 78222 | (210) 648-9301 | — | 4.9 |
| 534 N New Braunfels Ave San Antonio, TX 78202 | (210) 225-5032 | — | 4.9 |
| 6003 Interstate 35 Access Rd San Antonio, TX 78211 | (210) 924-3695 | — | 4.9 |
| 6893a Bandera Rd Leon Valley, TX 78238 | (210) 680-0825 | — | 4.9 |
| 6900 San Pedro Ave #107 San Antonio, TX 78216 | (210) 829-8773 | — | 4.7 |
| 7114 Military Dr W San Antonio, TX 78227 | (210) 675-2210 | — | 4.9 |
| 7901 Culebra Rd San Antonio, TX 78251 | (210) 681-6384 | — | 4.9 |
| 803 Castroville Rd #133 San Antonio, TX 78237 | (210) 436-7474 | — | 4.9 |
| 8248 Marbach Rd Unit 2 San Antonio, TX 78227 | (210) 675-5057 | — | 4.9 |
| 828 SW Military Dr San Antonio, TX 78221 | (210) 927-6666 | — | 5.0 |
| 8458 Fredericksburg Rd San Antonio, TX 78229 | (210) 616-0909 | — | 4.8 |
| 8515 Perrin Beitel San Antonio, TX 78217 | (210) 654-7191 | — | 4.9 |
| 11018 Culebra Rd Suite 105 San Antonio, TX 78253 | (210) 688-9690 | — | 5.0 |
| 11705 Perrin Beitel Ste 106 San Antonio, TX 78217 | (210) 453-1574 | — | 5.0 |
| 1243 SW Military Dr San Antonio, TX 78221 | (210) 526-7246 | — | 5.0 |
| 13486 San Pedro Ave Ste 105 San Antonio, TX 78216 | (210) 526-6116 | — | 5.0 |
| 14010 Nacogdoches Rd San Antonio, TX 78247 | (210) 526-8164 | — | 4.9 |
| 1550 Austin Hwy Ste 101 San Antonio, TX 78218 | (210) 526-6885 | — | 5.0 |
| 1622 Bandera Rd Apt 1624 San Antonio, TX 78228 | (210) 526-8030 | — | 5.0 |
| 171 SW Military Dr San Antonio, TX 78221 | (210) 526-6994 | — | 5.0 |
| 1739 SW Loop 410 Ste. 506 San Antonio, TX 78227 | (210) 526-7236 | — | 5.0 |
| 2103 E Houston St San Antonio, TX 78202 | (210) 526-6977 | — | 5.0 |
| 2325 NW Military Hwy Suite 103 San Antonio, TX 78231 | (210) 338-3089 | — | 5.0 |
| 4311 Fredericksburg Rd Ste 2 Balcones Heights, TX 78201 | (210) 785-9032 | — | 5.0 |
| 4727 W Commerce St Ste. 103 San Antonio, TX 78237 | (210) 526-7292 | — | 5.0 |
| 4941 Walzem Rd Suite A Windcrest, TX 78218 | (210) 526-6110 | — | 5.0 |
| 5152 Fredericksburg Rd Suite 100 San Antonio, TX 78229 | (210) 526-7252 | — | 5.0 |
| 631 S WW White Rd San Antonio, TX 78220 | (210) 526-8046 | — | 4.9 |
| 6620 FM78 Ste 102 San Antonio, TX 78244 | (210) 526-8040 | — | 4.9 |
| 6622 San Pedro Ave San Antonio, TX 78216 | (210) 826-0918 | — | 5.0 |
| 6898 Bandera Rd Leon Valley, TX 78238 | (210) 526-6877 | — | 5.0 |
| 7103 Blanco Rd San Antonio, TX 78216 | (210) 247-4146 | — | 5.0 |
| 7626 Culebra Rd Ste 302 San Antonio, TX 78251 | (210) 527-8765 | — | 5.0 |
| 8735 Grissom Rd San Antonio, TX 78251 | (210) 526-6122 | — | 5.0 |
| 1103 Fair Ave San Antonio, TX 78223 | (210) 534-0559 | — | 4.9 |
| 12804 Nacogdoches Rd San Antonio, TX 78217 | (210) 599-8118 | — | 5.0 |
| 1502 Austin Hwy San Antonio, TX 78218 | (210) 829-5752 | — | 4.8 |
| 2337 SW Military Dr San Antonio, TX 78224 | (210) 576-7880 | — | 4.9 |
| 4515 Fredericksburg Rd Ste 2 Balcones Heights, TX 78201 | (210) 736-2070 | — | 4.9 |
| 6851 Military Dr W #101 San Antonio, TX 78227 | (210) 674-5264 | — | 4.9 |
| 7007 Bandera Rd Ste 24 Leon Valley, TX 78238 | (210) 680-4382 | — | 4.9 |
| 8542 Blanco Rd #1 San Antonio, TX 78216 | (210) 349-7552 | — | 4.9 |
| 931 S General McMullen Dr San Antonio, TX 78237 | (210) 433-7161 | — | 4.8 |
| 1332 SW Military Dr Suite 2 San Antonio, TX 78221 | (210) 921-0987 | — | 5.0 |
| 1802 S WW White Rd San Antonio, TX 78220 | (210) 775-1910 | — | 5.0 |
| 2023 Goliad Rd Ste 101 San Antonio, TX 78223 | (210) 807-3300 | — | 4.9 |
| 3021A West Ave San Antonio, TX 78201 | (210) 737-1790 | — | 4.9 |
| 421 N Main Ave San Antonio, TX 78205 | (210) 224-2967 | — | 4.8 |
| 4415 Blanco Rd San Antonio, TX 78212 | (210) 807-4505 | — | 5.0 |
| 6626 W Loop 1604 N Ste 214 San Antonio, TX 78254 | (210) 410-2465 | — | 5.0 |
| 803 Castroville Rd Ste 129 San Antonio, TX 78237 | (210) 434-7178 | — | 5.0 |
| 8802 Potranco Rd Ste 110 San Antonio, TX 78251 | (210) 645-1631 | — | 4.9 |
| Western Finance 1247 SW Military Dr San Antonio, TX 78221 | (210) 921-0078 | — | 5.0 |
| 1328 SW Military Dr San Antonio, TX 78221 | (210) 927-3603 | — | 4.6 |
| Western Finance 150 S WW White Rd San Antonio, TX 78219 | (210) 239-7520 | — | 5.0 |
| Shamrock Finance 1533 Austin Hwy STE 104 San Antonio, TX 78218 | (210) 655-7119 | — | 4.8 |
| Western Finance 3138 SE Military Dr STE 110 San Antonio, TX 78223 | (210) 924-9281 | — | 4.9 |
| Western Finance 3534 Fredericksburg Rd Ste 18 San Antonio, TX 78201 | (210) 736-2413 | — | 4.8 |
| Western Finance 600 Bandera Rd STE 1 San Antonio, TX 78228 | (210) 734-6491 | — | 4.9 |
| Western Finance 612 SW Military Dr San Antonio, TX 78221 | (210) 921-0037 | — | 4.9 |
| Western Finance 9107 Marbach Rd Suite 111 San Antonio, TX 78245 | (210) 417-9245 | — | 5.0 |
| 10555 Culebra Rd., Ste. 106 San Antonio, TX 78251 | (210) 647-1138 | Mon–Fri 10:00 AM – 6:00 PM Sat 10:00 AM – 3:00 PM Sun closed |
— |
| 13909 Nacogdoches Rd., Ste. 106 San Antonio, TX 78217 | (210) 946-1063 | Mon–Fri 10:00 AM – 6:00 PM Sat 10:00 AM – 3:00 PM Sun closed |
— |
| 1533 Austin Hwy., Ste. 106 San Antonio, TX 78218 | (210) 829-0852 | Mon–Fri 10:00 AM – 6:00 PM Sat 10:00 AM – 3:00 PM Sun closed |
— |
| 1729 SW Military Dr. San Antonio, TX 78221 | (210) 921-2708 | Mon–Fri 10:00 AM – 6:00 PM Sat 10:00 AM – 3:00 PM Sun closed |
— |
| 2372 E. Southcross, Box #8 San Antonio, TX 78223 | (210) 531-9387 | Mon–Fri 10:00 AM – 6:00 PM Sat 10:00 AM – 3:00 PM Sun closed |
— |
| 4311 Fredericksburg Rd. Balcones Heights, TX 78201 | (210) 732-2935 | Mon–Fri 10:00 AM – 6:00 PM Sat 10:00 AM – 3:00 PM Sun closed |
— |
| 6703 Bandera Rd. Leon Valley, TX 78238 | (210) 522-0178 | Mon–Fri 10:00 AM – 6:00 PM Sat 10:00 AM – 3:00 PM Sun closed |
— |
| 8246 Marbach Rd. San Antonio, TX 78227 | (210) 674-5679 | Mon–Fri 10:00 AM – 6:00 PM Sat 10:00 AM – 3:00 PM Sun closed |
— |
| 17115 San Pedro Ave Ste 101 San Antonio, TX 78232 | (210) 640-7464 | — | 3.6 |
| 1739 SW Loop 410 Ste 302 San Antonio, TX 78227 | (210) 670-0351 | — | 4.7 |
| 3103 SE Military Dr Ste 108 San Antonio, TX 78223 | (210) 337-4444 | — | 4.1 |
| 5619 W Loop 1604 N Ste 124 San Antonio, TX 78253 | (210) 280-4029 | — | 4.6 |
| 6243 I-10 Ste 935 San Antonio, TX 78201 | (210) 682-0042 | — | 3.3 |
| 6900 San Pedro Ave Ste 127 San Antonio, TX 78216 | (210) 822-4271 | — | 4.2 |
| 11705 Perrin Beitel Suite 104 San Antonio, TX 78217 | (210) 946-0900 | — | 4.5 |
| 2143 E Houston St San Antonio, TX 78202 | (210) 226-5297 | — | 4.8 |
| 2150 Jackson Keller Rd San Antonio, TX 78213 | (210) 341-7433 | — | 4.8 |
| 2601 Pleasanton Rd Ste 103 San Antonio, TX 78221 | (210) 924-9051 | — | 4.6 |
| 7121 W US Hwy 90 Ste 185 San Antonio, TX 78227 | (210) 433-2976 | — | 4.5 |
| 11019 Culebra Rd Ste. 140 San Antonio, TX 78253 | (210) 600-9762 | — | 4.7 |
| 12311 Nacogdoches Rd #106 San Antonio, TX 78217 | (210) 971-6015 | — | 4.7 |
| 2814 SW Military Dr Ste 106 San Antonio, TX 78224 | (210) 305-5019 | — | 4.8 |
| 5883 Babcock Rd San Antonio, TX 78240 | (210) 593-3350 | — | 4.9 |
| 10038 Potranco Rd Ste. 108 San Antonio, TX 78251 | (726) 213-4008 | — | 4.8 |
| 13418 San Pedro Ave San Antonio, TX 78216 | (726) 224-9998 | — | 4.8 |
| 1635 Somerset Rd Suite 103 San Antonio, TX 78211 | (726) 237-8805 | — | 4.9 |
| 1134 SW Military Dr San Antonio, TX 78221 | (210) 924-9345 | — | 4.5 |
| 2509 West Ave San Antonio, TX 78201 | (210) 736-1920 | — | 3.9 |
| 6604 FM78 Ste 100 San Antonio, TX 78244 | (210) 666-2611 | — | 4.8 |
| 7117 Blanco Rd Ste 2 San Antonio, TX 78216 | (210) 366-1681 | — | 4.8 |
| 205 SW Military Dr San Antonio, TX 78221 | (210) 923-1500 | — | 4.9 |
| 7549 McCullough Ave San Antonio, TX 78216 | (210) 308-7435 | — | 4.9 |
| 6511 W Loop 1604 N #118 San Antonio, TX 78254 | (210) 660-5400 | — | 4.9 |
| 8308 Pat Booker Rd Ste 8336 Live Oak, TX 78233 | (210) 249-5866 | — | 3.6 |
| 238 SW Military Dr San Antonio, TX 78221 | (210) 714-1957 | — | 4.9 |
| 4727 W Commerce St #104 San Antonio, TX 78237 | (726) 666-3922 | — | 4.8 |
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Texas Car Title and Payday Loan Services
2 stores in San Antonio
texascartitleandpaydayloanservicesinc.com
|
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| 11400 Culebra Rd San Antonio, TX 78253 | (210) 892-2374 | — | 4.9 |
| 4115 Fredericksburg Rd San Antonio, TX 78201 | (210) 736-3969 | — | 4.9 |
More about San Antonio
Only credit union headquarters are listed, with the address on file with the NCUA; phone numbers and branch locations are on each credit union’s website. Many credit unions also have branches in San Antonio and nearby — check membership requirements, as some are open to anyone who lives or works in the area. Loan stores: storefront locations of major payday, installment and title lenders; call ahead to confirm hours.