PLS Check Cashers
Payday loans · also check cashing, money transfer, money orders · 1502 Austin Hwy, Wilshire
★ 4.9 · 791 ratingsNo hours listed · call ahead
Se habla español
Should you go here?
Well reviewed, but the loan itself is expensive.
Borrowers leave fewer bad reviews here than at 60% of San Antonio stores. The risk is the product: fees are high and renewing adds the fee again. Compare a cheaper option first.
of its written reviews are 1–2★, a lower share than at 60% of San Antonio stores. 2nd of 8 PLS Check Cashers branches here.
In fees on a $1,000 loan, at the San Antonio area average. Texas sets no cap on these fees.
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, state fee data (OCCC, Q2 2026) and the chain’s own website. 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 PLS Check Cashers branch.
Rating
4.9Higher than 52% 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 2024
What borrowers say
- Cashes payroll checks
- The owner answers complaints
Counted in 738 written reviews. Bars: mentions per 100.
What borrowers appreciate
What to watch for
Complaints are counts only.
Work out what you’d repay
Payday lenders in the San Antonio area report an average fee of $19.51 per $100 for 17 days (OCCC, Q2 2026) — about $34.43 per $100 a month. 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
$1,344
$1,000 you borrowed$344 in fees
Paid back in one go after about a month. If you can’t pay, renewing costs another $344 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 · Se habla español
From pls247.com, checked September 2026
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.
Payday 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 $966.
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.
- 1Western-Shamrock FinanceInstallment loans · 0.1 mi★ 4.8Many bad reviews
- 2Advance AmericaPayday loans · 0.1 mi★ 5.0Few bad reviews
- 3Cash America PawnPawn loans · 0.1 mi★ 3.9Many bad reviews
- 4TitleMax Title LoansTitle loans · 0.2 mi★ 5.0Few bad reviews
- 5Credit CentralInstallment loans · 0.6 mi★ 4.9
- 6Five Star FinanceInstallment loans · 1.8 mi★ 2.6
Been to PLS Check Cashers?
Tell other borrowers what it was like. We read every review before it goes up, good or bad.
Write a reviewIn borrowers’ own words
- “After I arrived Michelle and Davinity greeted us with smiles and both worked hard to get us on our way My husband and I were in and out in about 45 minutes cash in hand”
- “Genie Michelle and Tasha were very helpful and very kind respectful and the place was very clean definitely recommend this place to others”
- “I am in illinois and she walked me through everything”
- “Bilingual, professional and very approachable with awesome customer skills”
Short lines from 4–5★ written reviews of this store. Complaints are counted above, never quoted.
About this lender
Payday loans, and also check cashing, money transfer, money orders.
Part of a chain: PLS Check Cashers has 53 locations across the Texas cities we cover — Houston (21), Dallas (14), San Antonio (8), Fort Worth (6), El Paso (2), Austin (2). See the PLS Check Cashers brand page.