Payment 1 Loans - San Antonio
Title loans · also installment loans · 942 Bandera Rd, Donaldson Terrace
★ 5.0 · 312 ratingsHours listed
Should you go here?
Well reviewed, but the loan itself is expensive.
Borrowers leave fewer bad reviews here than at 69% of San Antonio stores. The risk is the product: fees are high and your car is the collateral. Compare a cheaper option first.
312 ratings. Known for fast service. Known for explaining the terms clearly.
of its written reviews are 1–2★, a lower share than at 69% of San Antonio stores. 1st 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
5.0Higher than 74% 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 · 2% in 2026
What borrowers say
- Ask for Delilah
- Known for fast service
- Known for explaining the terms clearly
Counted in 246 written reviews. Bars: mentions per 100.
What borrowers appreciate
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?
Borrowers here mention: known for explaining the terms clearly.
- 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
- 2World AcceptanceInstallment loans · 0.1 mi
- 3FAMSA LoansSmall loans · 0.2 mi★ 4.0Many bad reviews
- 4Cash America PawnPawn loans · 0.3 mi★ 4.3Many bad reviews
- 5Western FinanceInstallment loans · 0.5 mi★ 4.9
- 6Alamo Loan CoSmall loans · 0.6 mi★ 4.5Many 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
- “Always friendly and courteous always fast service and the staff is super friendly I’d recommend this place to anyone”
- “And explained everything I needed to know.”
- “Nice lady Sora help me got a lot of help from her Very Respectful”
Short lines from 4–5★ written reviews of this store. Complaints are counted above, never quoted.
About this lender
Title loans, and also installment loans.
An independent business, not part of a chain.