Compare your payday loan options 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.

Our top pick: OppLoans Installment Loans

• Min. Loan Amount: $500
• Max. Loan Amount: $5,000
• Turnaround Time: 1 business day
• Loan Term: 9 to 24 months
• Requirements: Direct deposit, meet minimum income requirements, live in eligible state

• Easy online application
• Quick approval
• Fast funding
• Long repayment terms

Our top pick: OppLoans Installment Loans

Comes with the option to change your due date so you won’t fall behind on repayments.

• Min. Loan Amount: $500
• Max. Loan Amount: $5,000
• Turnaround Time: 1 business day
• Loan Term: 9 to 24 months
• Requirements: Direct deposit, meet minimum income requirements, live in eligible state

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How much can I borrow 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

Online payday loans you can apply for 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 Installment Loans			$3,000	1 to 2 business days	Bank account, email address, phone number, US citizen or permanent resident, ages 21+, $3,500 minimum income in California	Borrow money with lower payments and more time to pay than a traditional payday loan.	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...
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.	More Info		loading Fetching your data...
CashUSA Installment Loans			$10,000	As fast as same business day	Regular source of income, bank account, US citizen or permanent resident, age of majority in your state	Explore its online education center to get tips on budgeting, how to prioritize your bills and more.	Go to site More Info		loading Fetching your data...
Zaplo Installment Loan			$1,200	As soon as the next business day	Regular source of income received biweekly or semi-monthly, Missouri or Utah resident, checking account with automatic deposits, not a military service member	Borrow up to $1,200 — but only if you live in Missouri or Utah.	More Info		loading Fetching your data...
Jora Installment Loans			$2,600	1 to 2 business days	Active checking account, regular source of income, email address	Get access to tools to help you plan a career move, make some extra cash or search for a better-paying job.	Go to site More Info		loading Fetching your data...
HonestLoans Installment Loans			$50,000	Same business day to 1 business days	Must be employed and receive regular income, earn at least $800 a month, have a checking account and be an 18+ years old legal US citizen.	Get a flexible installment loan with fast funding through one easy online application form.	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...
Earnin			$500	Same business day to 2 business days	Direct deposit sent to a checking account, a regular pay schedule, a fixed work location or an online timekeeping system at work	A payday loan alternative. Get an advance on the wages you’ve already earned — with no fees or interest.	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.