Cash Advance and Payday Loans in San Antonio, TX.

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The Lone Star State is one of the few states with expansive and intricate state and city regulations regarding payday loans and cash advances. San Antonio is one of the many Texas cities with its own ordinance. We’ll break down the San Antonio, TX, payday loan laws, so you’ll be prepared before completing an online request form.

Advantages of Taking Out Payday Loans in San Antonio

Compared to traditional lenders, alternative lenders in San Antonio may be unmatched when it comes to speed, convenience, and flexibility. Here are some of the top reasons residents opt for payday loans and cash advances:

  • Speed. Individuals faced with a financial emergency typically seek financing quickly to address their needs. As a result, many San Antonians turn to payday loans and cash advances because they can easily and quickly apply. Typically, approved applicants may receive their funds in as little as one business day.
  • Convenience. Additionally, alternative lenders in San Antonio offer convenient online applications, providing applicants more accessibility. Rather than driving to a central bank branch, consumers can submit a request from the comfort of their homes or offices.
  • Flexibility. Traditional lenders typically have more requirements, lengthening the application process. Conversely, alternative lenders typically require less paperwork, making the application process faster and easier. Additionally, San Antonio lenders may be willing to work with applicants who have lower income or credit scores. These financers may consider credit history alongside finances when determining an applicant’s eligibility. Lastly, some alternative lenders allow applicants the flexibility to customize their loan amount and due dates.

How to Get a Cash Advance and Payday Loan in San Antonio

Alternative lenders in San Antonio strive to provide an easy and quick application process for consumers seeking financial relief for emergencies. When looking for a payday loan or cash advance, individuals will need to begin by completing an application. The form will require personal and financial information to determine whether the applicant is eligible. The lender will then review the information. If the borrower is approved, the lender will present them with a loan agreement that states the amount, rates, and due dates.

Cash Advance and Payday Loans Requirements

To apply for a payday loan in San Antonio, the applicant must meet the following requirements:

  • Be 18 years old
  • Provide proof of U.S. citizenship or permanent residency
  • Provide proof of income

Additionally, although alternative lenders in San Antonio typically have minimal requirements, they still request the following personal and financial information:

Costs and Regulations of Cash Advance and Payday Loans in San Antonio, TX

Before submitting your loan application, it is important that you understand the costs to determine whether you can afford a payday loan in San Antonio, TX. Keep in mind that Texas has both state laws and city ordinances that regulate loans.

According to state law, all lenders must have a license to operate in the city and state they are located. Payday loan terms are set between seven and 180 days. Additionally, there is no limit on APR. However, in most cases, APR can be over 400%.

City ordinances have tighter regulations on payday lending in San Antonio, TX. Payday loan amounts cannot exceed 20% of the borrower’s gross monthly income. Additionally, consumers are allowed up to three rollovers.

Installment Loans in San Antonio

Some borrowers might find San Antonio’s 20% limit on payday loan amounts too restricting. As a result, they may seek a higher amount through an installment loan. San Antonio residents can request between $1,000 and $5,000 when applying for an installment loan. The loan terms are typically around 12 months. However, according to the city ordinance, these loans must be paid within four installments.

Requesting Title Loans in San Antonio

Some applicants may be willing to offer collateral to secure a loan in San Antonio, TX. Most often, borrowers will use their vehicle as collateral, which is known as a title loan. The portion of the vehicle’s appraised value may be offered to the consumer. Texas has limited laws concerning title loans. However, borrowers may receive between $1,000 and $50,000. The loan term is for a maximum of 180 days, and APR is around 120%.

fails to pay back their loan, the lender may repossess the vehicle and sell it to cover the cost of the loan. As a result, Keep in mind the lender will retain possession of the car’s title until the loan is repaid. However, if the borrower borrowers should thoroughly assess their finances to determine whether they can afford title loan repayments.

Our Favorite San Antonio, TX, Cash Advance and Payday Loan Companies

Speedy Cash

Speedy Cash offers both online and in-store loan options. Additionally, their financial products include payday loans, installment loans, title loans, business loans, and lines of credit. Your qualified amounts can range between $200 and $25,000. Standard APR fluctuates between 100% and 500%. However, keep in mind that the approved amount and APR are subject to change based on credit scores, income, and city ordinances.

Additionally, Speedy Cash also provides financial services, such as check cashing, money orders, and money transfers. Speedy Cash has seven locations in San Antonio, TX.

Check ‘n Go

If you are hesitant to complete a loan application online, Check ‘n Go offers in-store options. The lender was founded in 1994 and has been in business for 25 years, servicing more than 50 million loans. Check ‘n Go has eight locations in San Antonio, TX. The products and service offerings include payday loans, installment loans, check cashing, and prepaid MasterCards.

Additionally, Check ‘n Go has several high ratings on Trustpilot along with an A- Better Business Bureau rating.

Company name
Address
Phone
1 Check Cashing
1423 West Martin Street San Antonio TX, 78207
210-226-8226
A & M Check Cashing
3402 South Zarzamora Street San Antonio TX, 78225
210-923-8114
A B CHECK CASHING
11050 N Ih 35 San Antonio TX, 78233
210-507-9147
Advance America
13909 Nacogdoches Road San Antonio TX, 78217
210-946-1063
Advance America
803 Southwest Military Drive San Antonio TX, 78221
210-921-2708
Advance America
4311 Fredericksburg Road San Antonio TX, 78201
210-732-2935
Advance America
8246 Marbach Road San Antonio TX, 78227
210-674-5679
Advance America
2000 Southeast Loop 410 San Antonio TX, 78220
210-648-8724
Advance America
7065 San Pedro Avenue San Antonio TX, 78216
210-349-0920
Advance America
11541 West Avenue San Antonio TX, 78213
210-348-0562
ADVANCE AMERICA
2119 Culebra Rd San Antonio TX, 78228
210-733-1593
ADVANCE AMERICA
1624 Bandera Rd San Antonio TX, 78228
210-433-1663
ADVANCE AMERICA
5809 Babcock Rd San Antonio TX, 78240
210-561-7915
ADVANCE AMERICA
503 Navarro St San Antonio TX, 78205
210-227-6243
ADVANCE AMERICA
4311 Fredericksburg Rd San Antonio TX, 78201
210-732-2935
ADVANCE AMERICA
2000 Se Loop 410 San Antonio TX, 78220
210-648-8724
ADVANCE AMERICA
1002 S Ww White Rd San Antonio TX, 78220
210-333-0952
ADVANCE AMERICA
803 Castroville Rd Ste 141 San Antonio TX, 78237
210-432-8404
ADVANCE AMERICA
8246 Marbach Rd # 1 San Antonio TX, 78227
210-674-5679
ADVANCE AMERICA
1729 Sw Military Dr San Antonio TX, 78221
210-921-2708
ADVANCE AMERICA
9115 Grissom Rd Ste 102 San Antonio TX, 78251
210-522-9731
ADVANCE AMERICA
6703 Bandera Rd San Antonio TX, 78238
210-522-0178
ADVANCE AMERICA
3610 Nogalitos San Antonio TX, 78211
210-927-7117
ADVANCE AMERICA
2372 E Southcross Blvd San Antonio TX, 78223
210-531-9387
ADVANCE AMERICA
7635 Nw Loop 410 Ste 103 San Antonio TX, 78245
210-647-7437
ADVANCE AMERICA
5502 Walzem Rd San Antonio TX, 78218
210-637-7513
ADVANCE AMERICA
1533 Austin Hwy San Antonio TX, 78218
210-829-0852
ADVANCE AMERICA
7065 San Pedro Ave Ste 2 San Antonio TX, 78216
210-349-0920
ADVANCE AMERICA
5502 Blanco Rd San Antonio TX, 78216
210-524-9156
ADVANCE AMERICA
11541 West Ave San Antonio TX, 78213
210-348-0562
ADVANCE AMERICA
13909 Nacogdoches Rd San Antonio TX, 78217
210-946-1063
Advance Internet
1518 Austin Highway Suite 23 San Antonio TX, 78218
210-828-6088
Advance Internet
4419 Rittiman Road San Antonio TX, 78218
210-650-4185
Advanced Computer Solutions
3610 Ackerman Rd San Antonio TX, 78219
210-661-1316
Alamo Check Cashing
4017 Fredericksburg Road San Antonio TX, 78201
210-732-8929
Aurum Technology
106 South Saint Marys Street Suite 300 San Antonio TX, 78205
210-271-6310
Automated Financial Systems
San Antonio San Antonio TX, 78202
210-946-5400
Automated Financial Systems
4019 Stahl Road Suite 102 San Antonio TX, 78217
210-946-5400
Automated Financial Systems
11240 Blanchard Road San Antonio TX, 78201
210-622-5650
B & W Finance Co
503 Navarro Street San Antonio TX, 78205
210-227-6243
Calderola Gayle Law Office
800 Dolorosa Suite 102 San Antonio TX, 78207
210-227-0777
Cash 2 U
429 Southwest Military Drive San Antonio TX, 78221
210-923-2754
CASH AMERICA
4706 Old Coach Ln San Antonio TX, 78220
210-662-4058
CASH AMERICA
8103 Bandera Rd Ste 102 San Antonio TX, 78250
210-522-1031
Cash America Pawn
6910 South Zarzamora Street San Antonio TX, 78224
210-924-8914
Cash King
3303 Hillcrest Drive San Antonio TX, 78201
210-731-8507
Cash King
1264 South Ww White Road San Antonio TX, 78220
210-359-7804
CASH TODAY
6916 W Military Dr San Antonio TX, 78227
210-645-1572
Check Cashers
4830 Rittiman Road San Antonio TX, 78218
210-661-9712
Check Cashers
2320 East Southcross Boulevard San Antonio TX, 78223
210-533-3800
CHECK CASHERS
4830 Rittiman Rd San Antonio TX, 78218
210-661-9712
Check Cashing
8542 Blanco Road San Antonio TX, 78216
210-349-7552
Check Cashing Services
205 Southwest Military Drive San Antonio TX, 78221
210-923-1500
Check Cashing Services
7475 West Military Drive San Antonio TX, 78227
210-670-1400
CHECK INTO CASH
5723 N Foster Rd San Antonio TX, 78244
210-666-2480
CHECK INTO CASH
8149 Bandera Rd San Antonio TX, 78250
210-520-0540
Check Services Usa
1802 Northeast Loop 410 San Antonio TX, 78217
210-821-1260
Check ’n Go
13482 San Pedro Ave #103 San Antonio TX, 78216
210-308-7435
Check ’n Go
10670 Culebra Rd #105 San Antonio TX, 78251
210-520-7839
Check ’n Go
11107 Wurzbach Rd San Antonio TX, 78230
210-561-0684
Check ’n Go
5313 Rigsby Ave #102 San Antonio TX, 78222
210-648-9975
Check ’n Go
7475 W Military Dr #108 San Antonio TX, 78227
210-670-1400
Check ’n Go
6511 Ingram Rd #104 San Antonio TX, 78238
210-682-2673
Check ’n Go
3700 Fredericksburg Rd #104 San Antonio TX, 78201
210-734-4900
Check ’n Go
205 SW Military Dr San Antonio TX, 78221
210-923-1500
Checkcare Systems - Client Services
9901 West Ih 10 San Antonio TX, 78230
210-691-2623
Checkcare Systems - Sales
9901 West Ih 10 San Antonio TX, 78230
210-694-0310
Checkrite
San Antonio San Antonio TX, 78201
210-614-5870
COMM CHECK CASH
5327 Little Creek St San Antonio TX, 78242
210-623-2274
Community Check Cashing
1733 Southwest Military Drive San Antonio TX, 78221
210-932-2274
Community Check Cashing
1107 Fair Avenue San Antonio TX, 78223
210-531-9300
Community Check Cashing
1204 El Paso Street San Antonio TX, 78207
210-224-2274
COMMUNITY CHECK CASHING
1204 El Paso St San Antonio TX, 78207
210-224-2274
COMMUNITY CHECK CASHING
2118 S Zarzamora St San Antonio TX, 78207
210-227-2274
COMMUNITY CHECK CASHING
1103 Fair Ave San Antonio TX, 78223
210-531-2900
COMMUNITY CHECK CASHING
6010 Old Pearsall Rd San Antonio TX, 78242
210-623-2274
COMMUNITY CHECK CASHING
1733 Sw Military Dr San Antonio TX, 78221
210-932-2274
Community Check Cashing No 1
1107 Fair Avenue San Antonio TX, 78223
210-531-2900
Cpg Financial Services
Po Box 47075 San Antonio TX, 78217
210-653-8953
Dolex Dollar Express
109 Latch Drive San Antonio TX, 78213
210-735-5419
Dolex Dollar Express
2807 Hillcrest Drive San Antonio TX, 78201
210-737-9520
Douglas & Scruta
5503 Grissom Road Suite 207 San Antonio TX, 78238
210-520-9428
Electronic Tax Center
4100 South New Braunfels Avenue Suite 320 San Antonio TX, 78223
210-533-5666
Etc Check Cashing
South Park Mall San Antonio TX, 78201
210-924-4545
Etc Check Cashing
Mccreless Mall San Antonio TX, 78201
210-533-5666
EXPRESS TAX
933 S Ww White Rd San Antonio TX, 78220
210-337-1594
Fash Cash Diamonds
San Antonio San Antonio TX, 78201
210-946-2274
FAST CASH NOW
2359 Austin Hwy San Antonio TX, 78218
210-653-9344
Fastfunding First
San Antonio San Antonio TX, 78201
210-223-5177
Financial Business Machines
San Antonio San Antonio TX, 78266
210-651-5640
FIRST CASH ADVANCE
1803 Vance Jackson Rd San Antonio TX, 78213
210-732-1000
FIRST CASH ADVANCE
3253 Harry Wurzbach Rd Ste 1 San Antonio TX, 78209
210-826-0427
FIRST CASH ADVANCE
12066 Blanco Rd San Antonio TX, 78216
210-340-3480
FIRST CASH ADVANCE
3322 Se Military Dr San Antonio TX, 78223
210-337-4817
FIRST CASH ADVANCE
9262 Culebra Rd San Antonio TX, 78251
210-522-6140
FIRST CASH ADVANCE
8733 Marbach Rd San Antonio TX, 78227
210-673-5889
FIRST CASH ADVANCE
600 Sw Military Dr San Antonio TX, 78221
210-977-8790
Fm 78 Automotive Center Llc
8312 Fm 78 San Antonio TX, 78244
210-661-2123
Managed Care Systems Inc
7984 Mainland Drive San Antonio TX, 78250
210-684-2983
Money Box
8542 Blanco Rd San Antonio TX, 78216
210-349-7552
Money Box
1336 Southwest Military Drive Suite A San Antonio TX, 78221
210-922-7332
Money Box
6501 Bandera Road San Antonio TX, 78238
210-767-8033
Money Box
1739 Fredericksburg Road San Antonio TX, 78201
210-738-0600
Money Box
6040 Ingram Road San Antonio TX, 78238
210-684-2315
Money Box
10602 Perrin Beitel Road San Antonio TX, 78217
210-657-2921
Money Box
5451 Walzem Road San Antonio TX, 78218
210-646-8221
Money Box
12804 Nacogdoches Road San Antonio TX, 78217
210-599-8118
Money Box
823 Bandera Road Suite B San Antonio TX, 78228
210-434-2371
Money Box
3927 West Commerce Street San Antonio TX, 78207
210-431-9776
Money Box
5110 Fredericksburg Road San Antonio TX, 78229
210-366-0227
Money Box
5129 West Avenue San Antonio TX, 78213
210-349-8909
Money Box
1649 Babcock Road # A San Antonio TX, 78229
210-344-4124
Money Box
2907 West Avenue San Antonio TX, 78201
210-308-8511
MONEY BOX THE 76
5886 De Zavala Rd San Antonio TX, 78249
210-263-0105
Money Store L P
5129 West Ave Ste A San Antonio TX, 78213
210-349-8909
Money Store L P
2320 E Southcross Blvd San Antonio TX, 78223
210-533-3800
Money Store L P
5110 Fredericksburg Rd San Antonio TX, 78229
210-366-0227
Nsfdeposit Com
1411 Hawks Mdw San Antonio TX, 78248
210-764-8200
PRIDE N TEXAS LAND LTD
618 Bandera Rd San Antonio TX, 78228
210-736-2471
PRIDE N TEXAS LAND LTD
1603 Babcock Rd San Antonio TX, 78229
210-308-8309
Quik Cash
2908 West Ave #1 San Antonio TX, 78201
210-348-1961
Quik Cash
6710 Bandera Rd Ste A San Antonio TX, 78238
210-520-4700
Quik Cash
6924 W Military Dr San Antonio TX, 78227
210-645-9414
Quik Cash
4535 Fredericksburg Rd #105 San Antonio TX, 78201
210-733-0138
Quik Cash
1223 SW Military Dr San Antonio TX, 78221
210-932-2109
Quik Pay
1302 Laven Drive San Antonio TX, 78228
210-433-8300
QUIK PAY
1302 Laven Dr San Antonio TX, 78228
210-433-8300
Re-Chek
San Antonio San Antonio TX, 78201
210-256-0086
Rechek Sa
10427 Blackstone Creek San Antonio TX, 78254
210-256-0086
Reforma Check Cashing Service
606 Steves Avenue San Antonio TX, 78210
210-532-8174
Rocky D Nelson
8093 N Verde Dr San Antonio TX, 78240
210-410-5488
Terminal Service
1500 S Zarzamora St San Antonio TX, 78207
210-222-9051
Terminal Services
1500 South Zarzamora Street Suite 112 San Antonio TX, 78207
210-222-9051
THE CASH SOURCE
7008 W Us Highway 90 San Antonio TX, 78227
210-673-4241
The Electronic Tax Center - South Park Mall
2310 Southwest Military Drive Suite 408 San Antonio TX, 78224
210-924-4545
The Money Box
1304 Southwest Military Drive San Antonio TX, 78221
210-924-5240
The Money Box
4515 Fredericksburg Road San Antonio TX, 78201
210-736-2070
THE MONEY BOX
3927 W Commerce St San Antonio TX, 78207
210-431-9776
THE MONEY BOX
5886 De Zavala Rd San Antonio TX, 78249
210-691-1664
THE MONEY BOX
821 Bandera Rd San Antonio TX, 78228
210-434-2371
THE MONEY BOX
5891 Babcock Rd San Antonio TX, 78240
210-690-7559
THE MONEY BOX
2907 West Ave San Antonio TX, 78201
210-514-0021
THE MONEY BOX
2905 West Ave San Antonio TX, 78201
210-308-8511
THE MONEY BOX
1739 Fredericksburg Rd San Antonio TX, 78201
210-738-0600
THE MONEY BOX
1107 S Ww White Rd San Antonio TX, 78220
210-337-9312
THE MONEY BOX
406 W Old Us Highway 90 San Antonio TX, 78237
210-438-1390
THE MONEY BOX
9115 Grissom Rd San Antonio TX, 78251
210-520-2443
THE MONEY BOX
10650 Culebra Rd San Antonio TX, 78251
210-509-4432
THE MONEY BOX
2337 Sw Military Dr San Antonio TX, 78224
210-576-7880
THE MONEY BOX
1304 Sw Military Dr San Antonio TX, 78221
210-922-7332
THE MONEY BOX
931 S General Mcmullen Dr San Antonio TX, 78237
210-433-7161
THE MONEY BOX
6040 Ingram Rd San Antonio TX, 78238
210-684-2315
THE MONEY BOX
6501 Bandera Rd San Antonio TX, 78238
210-767-8033
THE MONEY BOX
3010 Nogalitos San Antonio TX, 78225
210-533-4858
THE MONEY BOX
1107 San Pedro Ave San Antonio TX, 78212
210-223-9184
THE MONEY BOX
5510 Walzem Rd San Antonio TX, 78218
210-646-8221
THE MONEY BOX
1533 Austin Hwy San Antonio TX, 78218
210-824-8716
THE MONEY BOX
12804 Nacogdoches Rd San Antonio TX, 78217
210-599-8118
THE MONEY BOX
10602 Perrin Beitel Rd San Antonio TX, 78217
210-657-2921
THE MONEY BOX 79
6615 Fm 78 San Antonio TX, 78244
210-661-9134
THE MONEY BOX 80
6851 W Military Dr San Antonio TX, 78227
210-674-5264
Thomas & Associates
San Antonio San Antonio TX, 78201
210-682-8720
Thomas & Associates Llc
6502 Bandera Road Suite 211 San Antonio TX, 78238
210-682-8720
Total Merchant Services
3463 Magic Drive Suite T San Antonio TX, 78229
210-582-5811
Usa Cash Advance
1238 South Ww White Road San Antonio TX, 78220
210-359-8273
USA CHECK CASHERS
14038 Nacogdoches Rd San Antonio TX, 78247
210-590-2301

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