Compare short-term loans in San Antonio, Texas

You might be facing a financial situation that’s out of your control. An unexpected bill can be difficult to get over when you’re already struggling to keep up with your regular expenses. A payday loan is designed to help in this situation. Read our article to find out how you can use one as a quick patch to get you by when you’re in need.

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Can I get a payday loan in San Antonio?

Payday loans in San Antonio are governed by multiple Texas laws, the main one being Texas Financial Code Ann. §§342.251 et seq. Loan terms vary depending on how much you borrow, but can be broken down as follows:

• Less than $100. Six months or one month per $10
• More than $100. One month per $20

There isn’t a limit on the amount a lender in Texas can charge in the form of financing fees, but acquisition charges depend on how much you borrow. If you default on your loan, you’ll also be responsible for collection charges.

Read your loan contract carefully before signing to be sure you can afford the full cost of your loan.

You can read about the general payday loan laws of Texas here

Compare payday loans available in San Antonio

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Name	Product	Filter Values	Max. Loan Amount	Turnaround time	Requirements
OppLoans Installment Loans			$5,000	1 business day	Direct deposit, meet minimum income requirements, live in eligible state	Comes with the option to change your due date so you won’t fall behind on repayments.	Go to site More Info		loading Fetching your data...
Check Into Cash Payday Loan			$1,000	1 to 2 business days	Bank account, email address, phone number, US citizen or permanent resident, ages 21+	Plus, get access to check cashing, cell phone top ups, bill pay and more at one of its many storefronts.	Go to site More Info		loading Fetching your data...
Fast5kLoans Short-term Loans Connection Service			$35,000	As soon as the next business day	Regular source of income, verifiable bank account, US citizen, ages 18+	Get connected with multiple lenders you might qualify with — even if you have bad credit.	Go to site More Info		loading Fetching your data...
LendYou Short-term Loans			$15,000	Same business day to 1 business days	$1,000+ monthly income, direct deposit, US citizen or permanent resident, ages 18+	Get offers from potential lenders in minutes by filling out just one online form.	Go to site More Info		loading Fetching your data...
Possible Finance Mobile Installment Loans			$500	As fast as 1 business day	Checking account with 3+ months of banking history, $750+ monthly income, live in eligible state, ages 18+	Borrow up to $500 with just a few swipes — but only for residents of 5 states.	Go to site More Info		loading Fetching your data...
BadCreditLoans.com			$5,000	Varies	Depending on lender requirements, people from all 50 states may not be eligible for a personal loan.	With straightforward, simple qualifications, these loans offer easy approval for people with poor credit.	Go to site More Info		loading Fetching your data...
Slam Dunk Loans			$50,000	Same business day to 1 business days	Employed, $800+ regular monthly income, checking account, ages 18+, US citizen	Fill out a simple online form to compare offers from several lenders that may be able to help.	Go to site More Info		loading Fetching your data...
CashNetUSA Loan			Varies by state	As fast as same business day	Regular source of income, bank account, US citizen or permanent resident, age of majority in your state	Sign up for its discount program to get access to coupons and deals on everything from dining out to tax services.	Go to site More Info		loading Fetching your data...

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What are the benefits of a payday loan in San Antonio?

• You can renew your loan. You can renew your loan up to three times as long as you reduce the principal amount by 25% each time. Keep in mind that lenders can charge extra for this process, so only renew your loan if you’re sure you won’t be able to make the payment.
• Quick processing. Whether you apply online or in-store, you can expect to know if you’ve been approved within hours of applying. In most cases, you’ll know within a few minutes.
• Get your funds in any form. If you want to have your loan as cash or check, you can visit a storefront to take out your loan. If you want your loan deposited directly into your bank account, find an online lender that offers next business day funding.

How do I apply for a payday loan in San Antonio?

Application forms vary from lender to lender, but you’ll generally need the following details on hand to complete your application.

• Your name, residential address, email address, Social Security number and phone number
• Information from identification documents such as your passport or driver’s license
• Your employer’s name and phone number as well as details about your income

Lenders often require that you be at least 18 years old, have a regular source of income and that you are a citizen or permanent resident before they will issue you a loan.

Payday loan locations in San Antonio, TX

Where to get a payday loan in San Antonio

If you’re looking for short term loan lenders in San Antonio that operate out of storefronts, here are some options:

Frequently asked questions

• How long do I have to wait between loans?

  There isn’t a legally mandated cooling off period between loans, but it’s a good idea to take time off from borrowing so you don’t build up more debt than you can afford.

• Can I get an installment loan?

  Yes. If you want more time to pay back what you borrow, you can find an installment loan that offers you plenty of time to pay down your debt.

• Can I be charged criminally if I don't repay my loan?

  No. Lenders aren’t allowed to initiate criminal action in Texas, but there have been cases of lenders filing these suits against borrowers. Be careful of where you borrow from and always try to find a legit lender when you’re comparing payday loan options.