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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.
Payday loans in San Antonio, Texas
Texas payday loan rules that apply in San Antonio
- Max loan amount
- No limit (CSO Model)
- Min loan term
- 7 days
- Max loan term
- 180 days
- Finance charge cap
- No state cap (fees set by city ordinances)
- Max absolute fee
- Varies
- Typical APR
- ~662%+
- Rollovers (extensions)
- Permitted (varies)
- Simultaneous loans
- No state limit
- Right to rescind
- N/A
- Governing law
- Texas Credit Services Organization Act
- Regulator
- TX OCCC
San Antonio at a glance
| Metric | San Antonio | Texas | United States |
|---|---|---|---|
| Population | 1.9M | 29.6M | 332.3M |
| Median household income | $73,448 | $81,963 | $85,275 |
| Median rent | $1,338/mo | $1,384/mo | $1,432/mo |
| Income spent on rent | 32.9% | 31.6% | 31.6% |
| Homeownership | 59.2% | 63.8% | 65.4% |
| Poverty rate | 15.3% | 13.9% | 12.6% |
| Unemployment rate | 5.7% | 5.2% | 5.3% |
| Without health insurance | 16.2% | 17.3% | 8.6% |
| Veterans | 9.4% | 6.4% | 6.5% |
Source: U.S. Census Bureau, American Community Survey, by ZIP code. City and state figures are population-weighted averages of ZIP code data and are approximate.
Payday loan cost calculator for San Antonio
Move the sliders to see what a payday loan would cost under Texas rules and how it compares with local incomes.
Example range up to $1,000
Texas sets no fixed fee; $15 is typical
- Fee
- $75
- Total to repay
- $575
- APR
- 391%
- Total fees with rollovers
- $75
- Share of a two-week household paycheck in San Antonio
- 2.7%
Estimate only. APR = fee ÷ amount × 365 ÷ term. Lenders may charge less than the state maximum; actual terms vary.
What a payday loan costs in San Antonio
- Fee on a $500 loan
- $75
- Share of a two-week household paycheck
- 2.7%
- Hours of work at the local median wage
- 4.1 hours
Texas sets no fixed fee in dollars, so this example uses a typical fee of $15 per $100 on a $500 loan and local median incomes: two-week paycheck = household income ÷ 26, hourly wage = individual income ÷ 2,080. Actual terms vary by lender.
San Antonio in context
- Population rank in Texas
- 2nd
- of 103 Texas cities with 50,000+ residents
- Median household income rank
- 63rd
- of 103 Texas cities with 50,000+ residents
- Households earning under $25,000
- 16.2%
- ▲ 1.3 pts vs TX
- Median home value
- $247,736
- ▼ 13% vs TX
- Home value to income
- 3.4×
- A $400 emergency expense
- 2.0 days
- of median household income
Payday loan stores in San Antonio, TX
Licensed storefront lenders in San Antonio with addresses, phone numbers and hours. We do not rank or recommend any lender; confirm each company's license with the TX OCCC before you borrow.
| 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 |
|
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 |
Fast & secure payday loans in San Antonio, Texas
Unexpected expenses can happen anytime. If you need urgent cash in San Antonio, our service connects you with trusted, state-licensed lenders.
Apply online from the comfort of your home, get a fast decision and, if approved, receive funds in your bank account as soon as the next business day.
Why San Antonio residents use us
- Fast 5-minute request A simple online application, with no waiting in line at a storefront.
- Bad credit considered Lenders focus on your steady income, not just your credit history.
- Loans within Texas limits Loan terms must comply with the Texas Credit Services Organization Act.
- Safe & confidential Your personal and financial details are sent over an encrypted connection.
Notice for San Antonio residents: Payday loans are designed for short-term emergency needs and should not be used as a long-term debt solution. Interest rates, fees and maximum loan amounts are governed by Texas law (Texas Credit Services Organization Act). Always review the contract terms carefully before signing.
San Antonio payday loan FAQ
How much cash can I borrow in San Antonio?
Loan amounts in San Antonio are typically from $100 up to the Texas limit (No limit (CSO Model)), in line with Texas lending law. Your exact approved amount depends on your verifiable income, existing debt and the lender’s evaluation.
Do I need to visit a storefront in San Antonio to apply?
No. The whole process is handled securely online, so you don’t need to wait in line at a local check-cashing store or branch. If approved, your funds are deposited directly into your bank account by ACH transfer.
Can I qualify for a payday loan in San Antonio with poor credit?
Possibly. A traditional FICO score is not the only factor. Lenders in our network mainly look at whether you have a steady, recurring income and an active checking account to handle repayment. Approval is not guaranteed.
How quickly will I receive my funds in San Antonio?
Many applicants get a decision within minutes. Once you review and e-sign your agreement, lenders typically release the cash the same day or the next business day, depending on your bank’s transfer cutoff times.
What are the minimum requirements for San Antonio residents?
To qualify, you must:
- Be at least 18 years old.
- Live in San Antonio or the surrounding Texas area.
- Have an active checking account in your name.
- Provide proof of consistent monthly income (employment, benefits or recurring deposits).