Western Finance
Installment loans · also title loans, tax preparation · 612 SW Military Dr, South Side
★ 4.9 · 995 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.
of its written reviews are 1–2★, a lower share than at 53% of San Antonio stores. 6th 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 · 1% in 2026
What borrowers say
- Ask for Mary
- Known for fast service
Counted in 643 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.
- 1Pueblito Express #2Check cashing · 0.2 mi★ 5.0
- 2Pago ExpressCheck cashing · 0.2 mi★ 5.0Few bad reviews
- 3Solex Cashing LLCCheck cashing · 0.2 mi★ 4.9Few bad reviews
- 4EZ MoneySmall loans · 0.2 mi
- 5Atlas Credit Co., Inc.Installment loans · 0.2 mi★ 4.6Many bad reviews
- 6ACE Cash ExpressPayday loans · 0.2 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
- “All the staff was friendly and professional, I was in & out like quick”
- “Everything was explained in detail and glad I was able to get the help I needed to repair my vehicle”
- “Great customer service very friendly and respectful”
Short lines from 4–5★ written reviews of this store. Complaints are counted above, never quoted.
About this lender
Installment loans, and also title loans, 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.