Payment 1 Loans - San Antonio
Title loans · 2102 Goliad Rd Ste. 2, Highlands
★ 4.7 · 239 ratingsHours listed
Should you go here?
Many bad reviews, and the loan is expensive.
Borrowers leave more bad reviews here than at 68% of San Antonio stores. The risk is the product: fees are high and your car is the collateral. Compare a cheaper option first.
239 ratings. Known for fast service. The owner answers complaints. Common complaint: rude staff.
of its written reviews are 1–2★, a higher share than at 68% of San Antonio stores. 3rd of 3 Payment 1 Loans - San Antonio branches here.
In fees on a $1,000 loan, at the San Antonio area average. Texas sets no cap on these fees.
Title-loan cars in the San Antonio area were repossessed last quarter (OCCC, Q2 2026).
Loan stores in Texas need an OCCC licence for each location. Check this one before you sign.
From ratings and written reviews of this store and state fee data (OCCC, Q2 2026). 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 Payment 1 Loans - San Antonio branch.
Rating
4.7Higher than 35% of San Antonio loan stores. City average is 4.6.
Lowest rated in San AntonioHighest
Bad reviews (1–2★), share of written reviews
Bad reviews by year · 4% in 2026
What borrowers say
- Ask for Donna
- Known for fast service
- The owner answers complaints
- Common complaint: rude staff
Counted in 140 written reviews. Bars: mentions per 100.
What borrowers appreciate
What to watch for
Complaints are counts only.
Work out what you’d repay
Title lenders in the San Antonio area report an average fee of $18.23 per $100 for 30 days (OCCC, Q2 2026). Texas sets no cap on these fees, so ask this store for its own.
I want to borrow
and pay it back
You’d pay in total
$1,182
$1,000 you borrowed$182 in fees
Paid back in one go after about a month. If you can’t pay, renewing costs another $182 each month and doesn’t reduce what you owe.
Before you go
What to take, and what to ask before you sign.
Bring these
At the store
Walk in, no appointment · Wheelchair access · Apply online first
What to bring is from their website.
Ask these at the counter
- 1
What is the total I’ll repay, in dollars, and when?
Ask for it in writing before you hand over your title.
- 2
What happens if I’m late?
Ask how many days before they can take the car.
- 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.
Car title loans in Texas: how they work, your rights, how to get out →
Check the licence: OCCC licence search or call 800-538-1579.
Need $1,000 for 3 months? A credit-union loan could save you about $480.
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.
- 1PLS Check CashersPayday loans · 0.0 mi★ 4.8
- 2Sun Loan CompanyInstallment loans · 0.1 mi★ 4.9
- 3OneMain FinancialInstallment loans · 0.9 mi★ 4.0Many bad reviews
- 4Western FinanceInstallment loans · 1.0 mi★ 4.9
- 5Regional FinanceInstallment loans · 1.2 mi★ 4.4Many bad reviews
- 6Advance AmericaPayday loans · 1.2 mi★ 5.0Few bad reviews
Been to Payment 1 Loans - San Antonio?
Tell other borrowers what it was like. We read every review before it goes up, good or bad.
Write a reviewIn borrowers’ own words
- “Donna made the loan process fast and easy awesome service”
- “Donna was very kind and got me out fast and was knowledgeable and friendly and respectful”
- “Always willing to work with me when my payments due date doesn’t fall on a Friday.”
Short lines from 4–5★ written reviews of this store. Complaints are counted above, never quoted.
About this lender
Title loans.
An independent business, not part of a chain.