7 Best Payday Loan Lenders in San Antonio

7 Best Payday Loan Lenders in San Antonio
Author : Chris Morgan
Updated on : June 30th, 2022

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San Antonio, Texas is known as the Alamo City due to the infamous battle in 1835 where Texas fought for its independence from Mexico at one of the Spanish mission sites, The Alamo. People who live in San Antonio may have to fend for themselves when fighting off debtors, as a Debt.org study reveals Texas has the seventh-highest credit card debt in the United States. 

It’s easy to accumulate credit card debt, but a lot harder to pay it off. Instead of holding on to debt that only increases with compounding interest and other fees, consider a payday loan to cover minor financial emergencies. 

The following are 7 of the best payday loan lenders in San Antonio, Texas. We’ll also answer some frequently asked questions about payday loans so that you can be knowledgeable about this short-term finance option.

Are Payday Loans Legal in San Antonio, Texas?

Payday loans are legal in San Antonio and throughout Texas. According to the City of San Antonio, there are specific regulations for payday loans. They include:

  • A payday loan amount can’t exceed 20% of the borrower’s gross monthly income.
  • The payday loan can’t be more than four installments.
  • Borrowers can’t roll over or renew a payday loan more than three times.
  • The maximum payday loan amount is calculated using a base amount of $100-$200.
  • The maximum payday loan term is subject to the amount borrowed in multiples of $10 or $20.

With the fees that are associated with payday loans, it is best to only borrow what you can reasonably pay back according to the provided loan terms.

The 7 Best Payday Loan Lenders in San Antonio

Here are the 7 best payday loan lenders in San Antonio. Please be aware that these companies do not offer guaranteed payday loans. Approval for a payday loan is subject to meeting specific income and banking requirements. In general, it is easier to obtain a payday loan in comparison to other short-term finance options.

LendYou Logo

LendYou is your source for payday and installment loans for residents in San Antonio and throughout Texas. Since 2005, have been dedicated to helping you get, “the loans you need when you need them.”

It’s important to note that LendYou is not a direct lender but rather a broker that serves as a platform to connect you with a lending partner. You’ll have numerous lenders to select the best payday loan for your needs. 

We recommend LendYou for your payday loan needs because:

  • No waiting for your payday loan with quick approvals
  • Bad credit is not a problem
  • Access to flexible loan amounts and rates
  • Rate and Service Transparency
  • Stellar Customer Service

Discover more about LendYou’s payday services in our LendYou Complete Review.

Max Cash Title Loans Logo

Max Cash comes in at a close second to LendYou for your payday loan needs. They are also an online broker providing a platform for people to connect with payday loan lenders. In business for over a decade, Max Cash is proud to have served over 2 million people!

Once you access the Max Cash platform, you’ll get access to numerous lenders for your payday loans. The platform provided by MaxCash makes it easier to find the best payday loan for your needs. 

Max Cash is a good option for your payday loans because:

  • Max Cash easily connects you to payday lenders
  • High-quality Customer Service
  • Informative Financial Articles
  • Access to Numerous Lenders
speedy cash logo

Speedy Cash offers short-term loans, title, installment, and payday loans, in 29 states. The payday loan application can be completed online or in-person at one of the nine locations in San Antonio.  Payday loan amounts vary from $15 to $1,500 depending on income.

Here are some reasons why we like Speedy Cash:

  • Customers are able to obtain their funds via direct deposit, at a storefront location, or on prepaid debit cards.
  • Speedy Cash has a mobile app that allows customers to manage their loans with convenience.
  • Speedy Cash offers a 72-hour guarantee where you can return the funds without incurring fees.

Contact Information:

  • Address: 1103 Fair Ave, San Antonio, TX 78223
  • Phone: (210) 534-0559
Advance America Cash Advance Logo

Advance America offers both online and in-store loans throughout several states since 1997. They have an easy application process as long as you have a valid social security number, a valid email address, an active checking account, and proof of income. They have certified loan specialists on their team to help you obtain the best payday loan option.

Some advantages to getting a payday loan with Advance America Cash Advance include:

  • Quick payday loan approvals in minutes.
  • Same-day cash (If you take out a payday loan at a physical location, you may be able to leave with cash in hand. Online applications that are made by 10:30 a.m. eastern standard time during the weekdays could possibly be funded to your bank on the same day).

Contact Information:

  • Address: 1729 SW Military Drive, San Antonio, TX 78221
  • Phone: (210) 921-2708
ACE Cash Express Logo

Ace Cash Express has been offering a variety of financial products and services including payday loans since 1968. With over 50 years of experience, this payday loan provider provides both online and in-person payday loan services. Ace Cash Express has a solid A+ rating from the Better Business Bureau offering consumers security and peace of mind when seeking a payday loan.

Here are some important details when seeking a payday loan from Ace Cash Express:

  • Cash is available instantly in-store or overnight with online applications.
  • Ace Cash Express has a 72-hour window that allows consumers to return loan funds without incurring charges and fees.
  • Full repayment of the payday loan is required on your next scheduled paycheck.

Please note that Ace Cash Express has an APR that exceeds 36%, so they are not allowed to provide payday loan services to members of the armed forces as dictated by the Military Lending Act.

Contact Information:

  • Address: 231 San Pedro Ave, San Antonio, TX 78205
  • Phone: (210) 212-4800
LendNation Logo

With over 30 years of payday loan experience, LendNation San Antonio offers online and brick-and-mortar payday loan services. Those who apply for a loan online can expect to receive their funds via direct deposit within one business day. There's also the option to pick up your cash at one of the 11 San Antonio locations. Payday loan approvals are subject to review of your personal information such as proof of income and employment, a valid and active checking account, a current U.S. ID or driver’s license, and a current phone number. LendNation San Antonio offers no prepayment penalties if you repay the payday loan in advance.

Contact Information:

  • Address: 6924 W Military Drive, San Antonio, TX 78227
  • Phone: (210) 645-9414
Cash Store Logo

Since 1996, Cash Store San Antonio offers title, installment, and payday loans. This payday loan servicer operates 250 locations across Idaho, New Mexico, Texas, and Wisconsin. Payday loans are available for up to $600. Those interested in getting a payday loan must have proof of income or recent paycheck, personal checks, a checking account that has been open for at least 30 days, and/or a debit card issued in Idaho, New Mexico, Texas, or Wyoming, and a valid driver's license or state-issued ID. Cash Store San Antonio has a 90% approval rate for payday loans.

Contact Information:

  • Address: 7117 Blanco Rd Ste 2, San Antonio, TX 78216
  • Phone: (210) 366-1681

Do Payday Loans in San Antonio Have Instant Approval?

Payday loan companies do not offer instant payday loans online with guaranteed approval. This is because lenders use criteria to determine whether you are eligible for a payday loan. Since a credit check is not needed for a payday loan, lenders review your qualifying information such as your pay stubs, other forms of income, valid checking account, and personal IDs to determine whether or not you are a good candidate for a payday loan.

Because there are specific requirements for payday loans, which include income requirements, there are some individuals who will not be able to get a payday loan which is the reason why payday loan instant approvals aren't common.

To find out more about the payday loan process and specifically why you won't find payday loans with instant approval, visit payday loans online with instant approval.

What Is The Easiest Payday Loan To Get Online?

Despite the fact that you won't be able to avoid the application process for a payday loan, there are numerous payday lenders who offer a quick, easy online application process. You can set yourself up to make the online payday loan process easier by making sure that you have all of the necessary documentation from pay stubs to checking account information readily available to expedite the payday loan process.

Do You Need A Credit Check For a Payday Loan in San Antonio?

One of the best things about payday loans is that they do not require a credit check. However, applications for payday loans, whether obtained online or via a brick-and-mortar store, require a bank account. In some cases, there is a time requirement for how long you've had the bank account. Some payday loan companies require that you have your account for at least 30 days before you can apply for a payday loan. If you're interested in a payday loan but you don't think you meet the bank account requirement, you can learn more about obtaining bank accounts for bad credit at Best Checking Accounts For Bad Credit.

What Are the Requirements for Payday Loan in San Antonio?

If you are interested in obtaining a payday loan in San Antonio here are the requirements you have to meet in order to be considered and potentially approved for a payday loan:

  • Proof of income with pay stubs.
  • An active bank account that has been open for at least 30 days.
  • A state-issued ID or driver's license.

Personal Loans vs. Title Loans

If you're open to other short-term financing options besides payday loans, you may want to consider a title loan. This is another no-credit loan option for those who need quick cash. 

With a title loan, your car is held as collateral in exchange for quick cash. You can continue to drive your car while you pay off the title loan. Your car title is returned to you when you repay the title loan in full. But, if you don’t repay the loan, the title loan company can seize your car for repayment.

To learn more about the differences between payday loans and title loans check out our post best title loan companies in the United States.

Conclusion and Next Steps

Payday loans provide a convenient way to get access to cash quickly. While there are a number of companies in San Antonio that offer payday loan services, it is important for you to do your due diligence when selecting a payday loan company. The companies provided above have a solid reputation for providing payday loan services in San Antonio.

To get started on your payday loan search, visit LendYou. They're one of the best online marketplaces for loan products and services helping you secure a payday loan by connecting you with multiple lenders.

When doing research, Credit Help Info relies on credible and authoritative sites. These research sources are provided so that you can see exactly where we get our information.

About the Author

Chris Morgan

Chris Morgan is a credit expert and founder of Credit Help Info. He has been featured in Addition Financial, GOBankingRates, MSN Money, Yahoo Finance, and many other publications. He has read hundreds of books and resources on finance and the credit industry. Because he did this, you don’t have to. As a school teacher for over 20 years, Chris enjoys taking complicated material and breaking it down into manageable information that’s easy to understand.

Learn more about Chris Morgan

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