Action Credit

Small loans · 3705 Fredericksburg Rd, Inner West Side

★ 4.8 · 25 ratingsHours listed

Call Directions

Should you go here?

Average reviews. Ask for the total cost before you sign.

Its share of bad reviews is about average for San Antonio. Ask for the total you will repay, in writing.

Good sign

What borrowers say4.8★

25 ratings. Nothing comes up often enough in its reviews to call out.

What borrowers say ↓

Watch out

Bad reviews4%

of its written reviews are 1–2★, a higher share than at 53% of San Antonio stores.

How it compares ↓

Check it

LicenceLook it up

Loan stores in Texas need an OCCC licence for each location. Check this one before you sign.

OCCC licence search ↗

A cheaper routeAsk a credit union about a small-dollar loan first →0.1 mi away · installment loansHeights Finance — ★ 4.9, few bad reviews →

From ratings and written reviews of this store. Checked September 2026. We don’t lend and no store pays us.

How it compares

Against every loan store in San Antonio.

Rating

4.8Higher than 39% of San Antonio loan stores. City average is 4.6.

Lowest rated in San AntonioHighest

Bad reviews (1–2★), share of written reviews

This store4%

Average San Antonio small loan store14%

What borrowers say

Ask for Pauline

Counted in 25 written reviews. Bars: mentions per 100.

What borrowers appreciate

Fast service4 reviews · 16 per 100
Explains the terms clearly3 reviews · 12 per 100

What it costs

Ask for the total

Ask for the total you will repay, in dollars, and the due date — in writing — before you sign.

Before you go

What to take, and what to ask before you sign.

Bring these

Their website doesn’t list documents. Call ahead and ask what to bring.

At the store

Walk in, no appointment · Wheelchair access

Ask these at the counter

1
What is the total I’ll repay, in dollars, and when?
Ask for it in writing before you sign.
2
What happens if I can’t pay on the due date?
Ask what a renewal costs and whether they call your employer or references.
3
Can I pay it off early, and is there a fee?
Texas law says your contract must allow early payoff with no penalty. Ask them to confirm.

The rules in Texas →

Check the licence: OCCC licence search or call 800-538-1579.

A cheaper route

Before you borrow here, ask a credit union about a small-dollar loan.

A Payday Alternative Loan (PAL) from a federal credit union is $200–$2,000, repaid over 1–12 months, capped at 28% a year plus a $20 fee at most. You usually join the credit union first, which can take a day.

Nearby alternatives

The closest real storefronts — at least two take a different route. Numbers match the map.

Been to Action Credit?

Tell other borrowers what it was like. We read every review before it goes up, good or bad.

Write a review

In borrowers’ own words

“Excellent customer service and quick pre approval”
“Pauline Quero went above and beyond and helped me and explained everything through the entire process”

Short lines from 4–5★ written reviews of this store. Complaints are counted above, never quoted.

About this lender

Small loans.

An independent business, not part of a chain.

Call Directions