San Antonio, TX · South · CSO model
Payday loans in San Antonio
San Antonio is governed by Texas's statewide lending law — cities don't set their own loan rules. Texas runs a credit services organization (CSO) model: lenders operate through licensed brokers, which changes how fees appear on paper — the loan math below shows what that means in practice.
Compare the total you repay — broker fee plus the note — never the headline note rate.
Lending storefronts in San Antonio
1,492,510 residents · Bexar County / Comal County / Medina County Median household income is $46,744 — below the Texas median of $59,624.
67 storefront locations of 35 companies listed in the public directory snapshot below. Categories are the directory's own — verify a store's license with the state regulator before borrowing.
| Lender | Address | Phone | Hours |
|---|---|---|---|
| Advance America Title Loans, Installment Loans, Check Cashing/Pay-day Loans | 2372 E Southcross Box, 78223 | (210) 531-9387 | Mon 10:00 AM - 6:00 PM · hours vary |
| Advance America Check Cashing/Pay-day Loans, Title Loans, Installment Loans | 8246 Marbach Rd, 78227 | (210) 674-5679 | Mon 10:00 AM - 6:00 PM · hours vary |
| Advance America Check Cashing/Pay-day Loans, Title Loans, Installment Loans | 1533 Austin Hwy Ste 106, 78218 | (210) 829-0852 | Mon 10:00 AM - 6:00 PM · hours vary |
| Advance America Title Loans, Installment Loans, Check Cashing/Pay-day Loans | 1729 SW Military Dr, 78221 | (210) 921-2708 | Mon 10:00 AM - 6:00 PM · hours vary |
| Advance America Title Loans, Installment Loans, Check Cashing/Pay-day Loans | 13909 Nacogdoches Rd Ste 106, 78217 | (210) 946-1063 | Mon 10:00 AM - 6:00 PM · hours vary |
| Advance America Check Cashing/Pay-day Loans, Title Loans, Installment Loans | 10555 Culebra Rd Ste 106, 78251 | (210) 647-1138 | Mon 10:00 AM - 6:00 PM · hours vary |
| Alamo Loan Company Title Loans | 534 Bandera Rd, 78228 | (210) 736-4898 | Mon 8:30 AM - 5:30 PM · hours vary |
| B & F Finance Installment Loans | 2509 West Ave, 78201 | (210) 736-1920 | Mon 8:30 AM - 6:00 PM · hours vary |
| B & F Finance Installment Loans | 7211 Somerset Rd, 78211 | (210) 924-7281 | Mon 8:30 AM - 6:00 PM · hours vary |
| B & F Finance Installment Loans | 1020 SW Military Dr Ste 101, 78221 | (210) 924-9345 | Mon–Fri 8:30 AM - 5:00 PM · Sat–Sun Closed |
| Bexar Loans Installment Loans | 3229 West Ave, 78213 | (210) 340-5853 | Mon 8:30 AM - 6:00 PM · hours vary |
| Cash Store Check Cashing/Pay-day Loans, Title Loans, Installment Loans | 7117 Blanco Rd Ste 2, 78216 | (210) 366-1681 | Mon 9:00 AM - 7:00 PM · hours vary |
| Cash Store Check Cashing/Pay-day Loans, Title Loans, Installment Loans | 9139 Grissom Rd, 78251 | (210) 647-7538 | Mon 9:00 AM - 7:00 PM · hours vary |
| Cash Store Check Cashing/Pay-day Loans, Title Loans, Installment Loans | 6604 FM 78Ste 100, 78244 | (210) 666-2611 | Mon 9:00 AM - 7:00 PM · hours vary |
| cashflow4mybiz Business Financing, Installment Loans, Bookkeepers | San Antonio, 78254 | (855) 583-8637 | Mon–Fri 9:00 AM - 5:00 PM · Sat–Sun Closed |
| Central Finance Check Cashing/Pay-day Loans | 4400 Fredericksburg Rd Ste 120, 78201 | (210) 736-5626 | Mon 9:00 AM - 6:00 PM · hours vary |
| Continental Credit Installment Loans, Tax Services | 11705 Perrin Beitel Rd Ste 104, 78217 | (210) 946-0900 | Mon 9:00 AM - 5:00 PM · hours vary |
| Credit Human - Vance Jackson Branch Banks & Credit Unions, Mortgage Brokers, Mortgage Lenders | 6061 W Interstate 10, 78201 | (800) 688-7228 | Mon 9:00 AM - 5:00 PM · hours vary |
| Discount Finance & Personal Loan Title Loans, Installment Loans | 930 SW Military Dr, 78221 | (210) 281-4435 | Mon–Fri 9:00 AM - 5:00 PM · Sat–Sun Closed |
| First Finance Installment Loans | 1114 SW Military Dr Suit 104, 78221 | (210) 927-0006 | Mon–Fri 8:30 AM - 5:30 PM · Sat–Sun Closed |
| Five Star Finance Installment Loans | 3603 Fredricksburg Rd Ste 213, 78201 | (210) 462-7532 | Mon–Fri 10:00 AM - 6:00 PM · Sat–Sun Closed |
| Global Loan Installment Loans | 92 Delta Dr, 78247 | (724) 990-0098 | Hours not listed |
| Guarantee Loan Service Installment Loans | 2720 Fredericksburg Rd, 78201 | (210) 227-2273 | Mon 8:30 AM - 5:30 PM · hours vary |
| Instaloans Installment Loans | 2429 Austin Hwy, 78218 | (210) 236-9990 | Mon–Fri 9:00 AM - 6:00 PM · Sat–Sun Closed |
| Mariner Finance Installment Loans, Auto Loan Providers | 11019 Culebra Rd Ste 140, 78253 | (210) 600-9762 | Mon 9:00 AM - 5:00 PM · hours vary |
Showing 25 of 67 locations — the rest are smaller branches of the same companies.
Listing data: public business directory, collected 2022-02-20. Stores close and relocate — confirm with the regulator's license lookup on the Texas page before visiting. Spot an error? Report it.
The online route in San Antonio
Texas online lenders run the same CSO math as storefronts — broker fee on top of the note — when they are licensed in the state. Loans routed through partner banks or tribal charters sit outside the state schedule, and regulators dispute the structure.
From the online lenders directory — terms each lender publishes about itself, checked September 2026. Directory only: we are not affiliated and make no availability promises — verify with the lender and the Texas regulator.
The rules behind the numbers
Credit Access Businesses (CABs) charge fees for arranging loans with third-party lenders, resulting in high-cost short-term credit.
In practice: borrow $300 for a standard term and the finance charge is $60 — $360 repaid at the end, about 400% - 600% APR. Every compliant lender in San Antonio has to fit inside that schedule.
Statute: Tex. Fin. Code Ch. 393
Regulator: Texas Office of Consumer Credit Commissioner · occc.texas.gov
Questions people ask in San Antonio
How do payday loans work in San Antonio, TX?
San Antonio operates under Texas's CSO (credit services organization) model: a licensed broker arranges the loan with a third-party lender and adds a broker fee on top of the note. The note rate looks lower; the broker fee is where the real cost sits.
What does a CSO-arranged loan cost in San Antonio?
On a $300 advance you repay about $360 once the broker fee and the note are both settled — roughly 400% - 600% APR on a standard term. The math is set by state law, so it is the same in every Texas city.
Which CSO storefronts are in San Antonio?
67 storefronts are listed in San Antonio in our 2022-02-20 directory snapshot (35 different companies). The full list with addresses, phones and hours is in the table above.
Who licenses CSOs in San Antonio?
Complaints about a lender go to the Texas Office of Consumer Credit Commissioner (occc.texas.gov) — keep the loan agreement and every fee disclosure you were given.