Zarzamora Creek Title Loans

Title loans

★ 5.0 · 10 ratingsHours listed

Open lateOpen Sundays

Should you go here?

Too few reviews to judge, but the loan itself is expensive.

It has too few written reviews to compare with other stores. The risk is the product: fees are high and your car is the collateral. Compare a cheaper option first.

Not enough data

What borrowers say5.0★

10 ratings. Nothing comes up often enough in its reviews to call out.

What borrowers say ↓

Watch out

What it costs$182 / month

In fees on a $1,000 loan, at the San Antonio area average. Texas sets no cap on these fees.

Work out your cost ↓

Watch out

Risk to your car9 in 100

Title-loan cars in the San Antonio area were repossessed last quarter (OCCC, Q2 2026).

Check it

LicenceLook it up

Loan stores in Texas need an OCCC licence for each location. Check this one before you sign.

OCCC licence search ↗

A cheaper routeA credit-union loan could save you about $480 on $1,000 over 3 months →15.9 mi away · installment loansGentry Finance Corporation →

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.

Rating

5.0Higher than 74% of San Antonio loan stores. City average is 4.6.

Lowest rated in San AntonioHighest

What borrowers say

Stars in its 9 written reviews

5★9
4★0
3★0
2★0
1★0

Latest review Aug 2019 · 0 in the last year · Owner replied to 0 of 9

Too few written reviews to count themes.

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

Their website doesn’t list documents. Call ahead and ask what to bring.

Ask these at the counter

1
What is the total I’ll repay, in dollars, and when?
Ask for it in writing before you hand over your title.
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.

A cheaper route

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.

Credit-union PAL$1,067

This title loan, renewed twice$1,547

Total repaid on $1,000 over 3 months, at the San Antonio area average fee (OCCC) and the federal PAL cap (12 CFR 701.21).

Nearby alternatives

The closest real storefronts — at least two take a different route. Numbers match the map.

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About this lender

Title loans.

An independent business, not part of a chain.

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