Speedy Cash
Payday loans · also check cashing, money transfer, money orders · 12804 Nacogdoches Rd, El Dorado
★ 5.0 · 1,174 ratingsHours listed
Open late
Should you go here?
Well reviewed, but the loan itself is expensive.
Borrowers leave fewer bad reviews here than at 70% of San Antonio stores. The risk is the product: fees are high and renewing adds the fee again. Compare a cheaper option first.
1,174 ratings. Known for fast service. Known for explaining the terms clearly.
of its written reviews are 1–2★, a lower share than at 70% of San Antonio stores. 1st of 5 Speedy Cash branches here.
In fees on a $1,000 loan, at the San Antonio area average. Texas sets no cap on these fees.
You need a checking account for a payday loan. Income from benefits or retirement counts. Money can go to your debit card (online loans).
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 Speedy Cash 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 · 1% in 2026
What borrowers say
- Ask for Nelly or Kristie
- Known for fast service
- Known for explaining the terms clearly
Counted in 753 written reviews. Bars: mentions per 100.
What borrowers appreciate
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
Who they lend to
- You need a checking account for a payday loan
- Income from benefits or retirement counts
- Money can go to your debit card (online loans)
At the store
Walk in, no appointment · Wheelchair access · Apply online first
From speedycash.com, checked September 2026
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 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.
Been to Speedy Cash?
Tell other borrowers what it was like. We read every review before it goes up, good or bad.
Write a reviewIn borrowers’ own words
- “Amber was very helpful and kind and made my experience quick and easy.”
- “Daniel was great he explained everything effortlessly & was very polite & respectful !”
- “Best store around come get your loan very good respectful staff”
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: Speedy Cash has 28 locations across the Texas cities we cover — Houston (11), San Antonio (5), Austin (4), Fort Worth (3), Laredo (2), Corpus Christi (1), McAllen (1), Dallas (1). See the Speedy Cash brand page.