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Payday Loans in San Antonio, TX: Stores, Costs and Rules
Updated November 2026 · By Payday Loans Reviews Editorial Team · Not a lender
Payday loans are available in San Antonio through licensed lenders operating under the Texas Credit Services Organization Act. With median rent at $1,338 and a poverty rate of 15.3%, many households in this city of 1.85 million residents face months where a $500 shortfall feels enormous. A payday loan for that amount will cost you $75 in fees for 14 days, bringing your total repayment to $575.
Here's what that looks like in practice. If you borrow $500 for 14 days, you'll write a check or authorize a debit for $575 to be cashed on your next payday. That works out to an example APR of 391%. Over a full year, the typical APR for these loans runs about 662% or higher. There's no state limit on how much you can borrow, and rollovers are permitted, which means the cost can spiral quickly if you're not careful.
Bexar County · San Antonio-New Braunfels, TX metro area
San Antonio borrowers and Texas payday laws
- 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
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.
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 |
|---|---|---|---|
| 1635 Somerset Rd Suite 103 San Antonio, TX 78211 | (726) 237-8805 | — | 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 |
| 828 SW Military Dr San Antonio, TX 78221 | (210) 927-6666 | — | 5.0 |
| 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 |
| 1960 SW Military Dr San Antonio, TX 78221 | (210) 921-2731 | — | 4.9 |
| 2501 Bandera Rd Ste 101 San Antonio, TX 78238 | (210) 523-7911 | — | 4.9 |
| 3226 Nogalitos St #101 San Antonio, TX 78225 | (210) 531-8737 | — | 4.9 |
| 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 |
| 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 |
| 8515 Perrin Beitel San Antonio, TX 78217 | (210) 654-7191 | — | 4.9 |
| 12803 Nacogdoches Rd San Antonio, TX 78217 | (210) 590-2360 | — | 4.8 |
| 4447 Fredericksburg Rd Balcones Heights, TX 78201 | (210) 737-2024 | — | 4.8 |
| 8458 Fredericksburg Rd San Antonio, TX 78229 | (210) 616-0909 | — | 4.8 |
| 231 San Pedro Ave San Antonio, TX 78205 | (210) 212-4800 | — | 4.7 |
| 2864 Thousand Oaks Dr #101 San Antonio, TX 78232 | (210) 545-3780 | — | 4.7 |
| 6900 San Pedro Ave #107 San Antonio, TX 78216 | (210) 829-8773 | — | 4.7 |
| 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 |
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| 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 |
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| 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 |
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| 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 |
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| 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 |
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| 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 |
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| 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 |
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| 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 |
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| 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 |
| 5883 Babcock Rd San Antonio, TX 78240 | (210) 593-3350 | — | 4.9 |
| 2814 SW Military Dr Ste 106 San Antonio, TX 78224 | (210) 305-5019 | — | 4.8 |
| 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 |
| 1739 SW Loop 410 Ste 302 San Antonio, TX 78227 | (210) 670-0351 | — | 4.7 |
| 5619 W Loop 1604 N Ste 124 San Antonio, TX 78253 | (210) 280-4029 | — | 4.6 |
| 6900 San Pedro Ave Ste 127 San Antonio, TX 78216 | (210) 822-4271 | — | 4.2 |
| 3103 SE Military Dr Ste 108 San Antonio, TX 78223 | (210) 337-4444 | — | 4.1 |
| 17115 San Pedro Ave Ste 101 San Antonio, TX 78232 | (210) 640-7464 | — | 3.6 |
| 6243 I-10 Ste 935 San Antonio, TX 78201 | (210) 682-0042 | — | 3.3 |
| 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 |
| 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 |
| 11705 Perrin Beitel Suite 104 San Antonio, TX 78217 | (210) 946-0900 | — | 4.5 |
| 7121 W US Hwy 90 Ste 185 San Antonio, TX 78227 | (210) 433-2976 | — | 4.5 |
| 12804 Nacogdoches Rd San Antonio, TX 78217 | (210) 599-8118 | — | 5.0 |
| 1103 Fair Ave San Antonio, TX 78223 | (210) 534-0559 | — | 4.9 |
| 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 |
| 1502 Austin Hwy San Antonio, TX 78218 | (210) 829-5752 | — | 4.8 |
| 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 |
| 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 |
| 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 |
| 8802 Potranco Rd Ste 110 San Antonio, TX 78251 | (210) 645-1631 | — | 4.9 |
| 421 N Main Ave San Antonio, TX 78205 | (210) 224-2967 | — | 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 |
| 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 |
| 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 |
| 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 |
| 14010 Nacogdoches Rd San Antonio, TX 78247 | (210) 526-8164 | — | 4.9 |
| 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 |
| Western Finance 1247 SW Military Dr San Antonio, TX 78221 | (210) 921-0078 | — | 5.0 |
| Western Finance 150 S WW White Rd San Antonio, TX 78219 | (210) 239-7520 | — | 5.0 |
| Western Finance 9107 Marbach Rd Suite 111 San Antonio, TX 78245 | (210) 417-9245 | — | 5.0 |
| Western Finance 3138 SE Military Dr STE 110 San Antonio, TX 78223 | (210) 924-9281 | — | 4.9 |
| 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 |
| Shamrock Finance 1533 Austin Hwy STE 104 San Antonio, TX 78218 | (210) 655-7119 | — | 4.8 |
| Western Finance 3534 Fredericksburg Rd Ste 18 San Antonio, TX 78201 | (210) 736-2413 | — | 4.8 |
| 1328 SW Military Dr San Antonio, TX 78221 | (210) 927-3603 | — | 4.6 |
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.
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.
Payday loans in San Antonio: how to apply
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 quick web-based request with zero time spent standing at a counter.
- Bad credit considered Your steady paycheck matters more to lenders than your credit score.
- Loans within Texas limits The Texas Credit Services Organization Act governs what terms lenders are allowed to offer.
- Safe & confidential Encryption safeguards the financial and personal information you submit online.
Notice for San Antonio residents: A payday advance serves temporary cash needs and is unsuitable for managing long-term debt. The Texas Credit Services Organization Act in Texas sets legal boundaries on borrowing limits, fees and interest charges. Make sure you understand all contract obligations prior to signing.
Read more about borrowing in San Antonio
Who runs payday stores in San Antonio
| Company | Stores | Share of stores | Average Google rating |
|---|---|---|---|
| ACE Cash Express | 22 | 20% | 4.9 |
| TitleMax | 22 | 20% | 5.0 |
| Speedy Cash | 9 | 8% | 4.9 |
| Sun Loan Company | 9 | 8% | 4.9 |
| Western Shamrock Finance | 9 | 8% | 4.9 |
| Advance America | 8 | 7% | — |
| OneMain Financial | 6 | 6% | 4.1 |
| Security Finance | 5 | 5% | 4.6 |
Store counts and ratings from our directory. We do not rank or recommend lenders.
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
San Antonio at a glance: budgets and payday costs
San Antonio in Bexar County is home to about 1,854,180 residents, the No. 2 city in Texas by population. Census estimates put the typical San Antonio household at $73,448 a year, well under the Texas figure of $81,963; nationally the median is $85,275.
For a median San Antonio household, the $75 fee on a $500 payday loan equals 2.7% of one paycheck, or about 4 hours of work at the local median wage. Rent in neighboring Laredo is about $1,081 a month ($258 less). Pflugerville, close by, reports a median household income of $109,522. In San Antonio we count 109 licensed loan storefronts, 14 credit unions, 271 bank branches and 104 pawn shops.
Median rent in San Antonio is $1,338 a month versus $1,384 statewide. Rent takes about 32.9% of renters' income, just over the 30% benchmark. About 15.3% of people here are below the poverty line; statewide it is 13.9%. About one in 6 households earns under $25,000 a year. The jobless rate is about 5.7%, compared with 5.2% across Texas. About 59.2% of homes are owner-occupied, so 40.8% of households rent. 9.4% of adults are veterans; active-duty families should know the Military Lending Act caps their loans at 36% MAPR.
A typical home here is valued at about $247,736 (13% below the Texas median). The price-to-income ratio is near 3.4. Individual earners take home a median of $38,284 a year. It belongs to the San Antonio-New Braunfels, TX metro area.
How San Antonio compares with its neighbors
| City | Population | Median household income | Median rent | Poverty rate |
|---|---|---|---|---|
| San Antonio | 1,854,180 | $73,448 | $1,338 | 15.3% |
| New Braunfels | 136,170 | $97,032 | $1,527 | 6.1% |
| Austin | 1,157,348 | $104,070 | $1,754 | 11.7% |
| Pflugerville | 118,437 | $109,522 | $1,769 | 5.7% |
| Temple | 93,254 | $66,993 | $1,231 | 16.1% |
Source: U.S. Census Bureau American Community Survey estimates.
San Antonio payday loan cost table
| Amount | Fee (14 days) | APR | Repay once | Repay after 2 renewals |
|---|---|---|---|---|
| $100 | $15 | 391% | $115 | $145 |
| $200 | $30 | 391% | $230 | $290 |
| $300 | $45 | 391% | $345 | $435 |
| $400 | $60 | 391% | $460 | $580 |
| $500 | $75 | 391% | $575 | $725 |
| $750 | $112 | 391% | $862 | $1,088 |
Fee of $15 per $100 per term from state rules in our database; renewals only where the state allows them.
FAQ for San Antonio borrowers
How much do households earn in San Antonio?
Census estimates show a median household income of $73,448 and a median rent of $1,338 a month in San Antonio.
How many lenders are there in San Antonio?
Our directories list 109 licensed loan storefronts and 14 credit unions in San Antonio, Texas. Credit unions usually charge far less than storefront lenders for small loans.
How much of their income do San Antonio renters spend on housing?
Renters in San Antonio spend about 32.9% of their income on housing, against a 30% affordability benchmark, and 15.3% of residents live below the poverty line (statewide: 13.9%).
Is it possible to borrow in San Antonio with a weak credit history?
You might qualify. Network lenders focus on reliable earnings and a working bank account rather than dwelling on credit scores. No approval is assured.
Which conditions must I satisfy to apply in San Antonio?
To qualify, you must:
- Applicants need to have reached 18 years of age.
- You should live in San Antonio or somewhere in the nearby Texas area.
- An active checking account registered in your name is necessary.
- Be ready to show evidence of monthly income from work, government benefits or regular deposits.