Western Finance
Installment loans · also tax preparation · 3138 SE Military Dr #110, Stinson Airport Vicinity
★ 4.9 · 542 ratingsHours listed
Should you go here?
Average reviews, and Texas caps what it can charge.
Its share of bad reviews is about average for San Antonio. Ask for the total of all payments, not the monthly figure, and compare a credit union first.
542 ratings. Customers stay for years. The owner answers complaints.
of its written reviews are 1–2★, a lower share than at 54% of San Antonio stores. 5th of 7 Western Finance branches here.
Texas sets the maximum charges. Ask for the total of all payments.
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 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 Western Finance 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 · 3% in 2026
What borrowers say
- Ask for Gloria or Lisa
- Customers stay for years
- The owner answers complaints
Counted in 344 written reviews. Bars: mentions per 100.
What borrowers appreciate
What to watch for
Complaints are counts only.
What it costs
Capped by Texas law
Installment lenders need an OCCC licence and Texas sets the maximum they may charge. Ask for the total of all payments in dollars, not just the monthly figure.
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
From westernshamrock.com, checked September 2026
Ask these at the counter
- 1
What is the total of all payments, in dollars?
Not just the monthly figure. Ask whether insurance is added, and whether it is optional.
- 2
What happens if I’m late?
Ask for the late fee in dollars and whether they call your employer or references.
- 3
Can I pay it off early?
Ask them to confirm there is no charge for paying early.
Installment loans in Texas: how they work, your rights, how to get out →
Check the licence: OCCC licence search or call 800-538-1579.
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.
- 1OneMain FinancialInstallment loans · 0.3 mi★ 4.0Many bad reviews
- 2Payment 1 Loans - San AntonioTitle loans · 1.0 mi★ 4.7Many bad reviews
- 3PLS Check CashersPayday loans · 1.0 mi★ 4.8
- 4Sun Loan CompanyInstallment loans · 1.0 mi★ 4.9
- 5Regional FinanceInstallment loans · 2.0 mi★ 4.4Many bad reviews
- 6World FinanceInstallment loans · 2.0 mi★ 5.0Few bad reviews
Been to Western Finance?
Tell other borrowers what it was like. We read every review before it goes up, good or bad.
Write a reviewIn borrowers’ own words
- “Also Lucky was such a great help and gave me no problems had me in and out 😊”
- “Employees are very nice and take time to speak with you and explaine everything to you especially Ms.Glona sweet lady great location”
- “Courteous and respectful workers at this location”
Short lines from 4–5★ written reviews of this store. Complaints are counted above, never quoted.
About this lender
Installment loans, and also tax preparation.
Part of a chain: Western Finance has 16 locations across the Texas cities we cover — San Antonio (7), El Paso (4), Corpus Christi (1), Laredo (1), Austin (1), Brownsville (1), McAllen (1). See the Western Finance brand page.