Credit Central

Installment loans · also tax preparation · 3534 Fredericksburg Rd #16b, Near Northwest

★ 4.8 · 156 ratingsHours listed

Should you go here?

Many bad reviews, and Texas caps what it can charge.

Borrowers leave more bad reviews here than at 61% of San Antonio stores. Ask for the total of all payments, not the monthly figure, and compare a credit union first.

Watch out

What borrowers say4.8★

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

What borrowers say ↓

Watch out

Bad reviews5%

of its written reviews are 1–2★, a higher share than at 61% of San Antonio stores. 3rd of 3 Credit Central branches here.

How it compares ↓

Check it

What it costsCapped

Texas sets the maximum charges. Ask for the total of all payments.

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 →0.2 mi away · small loansService Loan — ★ 4.8 →

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 and every other Credit Central branch.

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 store5%

Average Credit Central branch in San Antonio4%

Average San Antonio installment loan store6%

What borrowers say

Ask for Annabelle or Erica

Counted in 128 written reviews. Bars: mentions per 100.

What borrowers appreciate

Fast service8 reviews · 6.2 per 100

What to watch for

Rude staff3 reviews · 2.3 per 100

Complaints are counts only.

What it costs

Capped by Texas law

Installment lenders need an OCCC licence and Texas sets the maximum they may charge. Ask for the total of all payments in dollars, not just the monthly figure.

Before you go

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

Bring these

IDProof of incomeProof of address

At the store

Walk in, no appointment · Apply online first

What to bring is from their website.

Ask these at the counter

1
What is the total of all payments, in dollars?
Not just the monthly figure. Ask whether insurance is added, and whether it is optional.
2
What happens if I’m late?
Ask for the late fee in dollars and whether they call your employer or references.
3
Can I pay it off early?
Ask them to confirm there is no charge for paying early.

Installment loans in Texas: how they work, your rights, how to get out →

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 Credit Central?

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

“Always helpful, quick service and very nice.”

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

About this lender

Installment loans, and also tax preparation.

Part of a chain: Credit Central has 9 locations across the Texas cities we cover — San Antonio (3), El Paso (2), Brownsville (1), Corpus Christi (1), McAllen (1), Houston (1). See the Credit Central brand page.

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