First Credit

Small loans · 2516 Nogalitos St, South Side

★ 4.2 · 5 ratingsHours listed

Open late

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Should you go here?

Too few reviews to judge. Ask for the total cost before you sign.

It has too few written reviews to compare with other stores. Ask for the total you will repay, in writing.

Not enough data

What borrowers say4.2★

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

What borrowers say ↓

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 →0.5 mi away · payday loansACE Cash Express — ★ 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

4.2Higher than 20% of San Antonio loan stores. City average is 4.6.

Lowest rated in San AntonioHighest

What borrowers say

Stars in its 3 written reviews

5★2
4★0
3★0
2★0
1★1

Latest review Aug 2019 · 0 in the last year · Owner replied to 0 of 3

Too few written reviews to count themes.

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 First Credit?

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About this lender

Small loans.

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