Personal Loans

Personal Loans in San Antonio, Texas

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Broadway Bank AFFCU Firstmark Credit Union
APR As low as 9.24% As low as 8.50% 9.10% to 18.00%
Borrowing limits Minimum $2,500 $500 to $25,000 $1,000 to $40,000
Terms Up to 36 months 12 to 60 months 12 to 60 months
Origination fee Not specified Not specified Not specified
Minimum credit requirement Not specified Not specified Not specified

Broadway Bank

Broadway Bank is the largest independently-owned bank with headquarters in San Antonio. They offer personal loans in San Antonio with repayment terms as long as 36 months, which is short compared with competitors. (It’s unclear what the minimum repayment term is.) The bank has 17 locations in San Antonio.

The lender claims to make quick approval decisions, and you can borrow as little as $2,500, which is low but not nearly as low as with the other lenders in this roundup. Broadway Bank’s minimum APR is on the higher side, too, and it will be higher if you borrow more than $5,000.

Broadway Bank offers a 0.25% auto debit discount (reflected in the above APR). There’s an additional 0.25% military discount for: active-duty military, veterans, Reserve/National Guard members, ROTC or Academy Cadet, immediate family members and Department of Defense employees.


Air Force Federal Credit Union was founded by service members, but you don’t need to be affiliated with the military to become a member; AFFCU offers many ways for you to qualify for membership. For potential members, AFFCU offers online applications, and at six San Antonio-area branches.

AFFCU personal loans have no prepayment penalties, and applicants can start the loan application process online, by phone or at a local location.

Members can borrow between $500 and $25,000. That is an impressively low minimum among traditional personal loan lenders. AFFCU also offers borrowers more time to repay their personal loan than either Broadway National or Firstmark Credit Union.

AFFCU rewards members who meet specific criteria with lower rates on personal loans:

  • Those with a positive balance on their checking account and direct deposit set up with that account can receive a 20 basis points rate reduction reward on a personal loan.
  • If you have 3+ loans with the lender (including the personal loan), you’ll receive a 20 basis points reduction.
  • Primary or joint account holders with a combined $10,000 balance among non-checking accounts will receive a 50 basis points reduction.
  • If you’re assigned to a JBSA base or work for the Department of Defense on any JBSA base, you’ll see a 10 basis points reduction.

Firstmark Credit Union

To encourage its members to take out personal loans in San Antonio, Firstmark Credit Union offers a 45-day grace period before payments kick in, however interest continues to accrue daily.

Firstmark Credit Union’s maximum amount is considerably higher than either Broadway National Bank or AFFCU’s allowances. However, Firstmark Credit Union’s longest loan term is more restrictive terms than with Broadway National or AFFCU.

As with most credit unions, to obtain a loan in San Antonio from Firstmark Credit Union, borrowers need to become members. Customers can apply online or at one of 12 San Antonio-area credit union locations.

To qualify for membership you must meet one of the following criteria:

  • Live, work, attend school or worship in one of six counties: Bexar, Crockett, Edwards, Kenney, Maverick, Sutton, Terrell or Val Verde
  • Live or work in one of the following counties: Blanco, Gillespie, Kimble, Llano or Mason
  • Be an employee of Texas A&M Extension System
  • Be an employee, student or former employee of a public school in one of 10 area counties
  • Be a member or employee of a Catholic Church in one of the following counties: Del Rio, Bracketville, Rocksprings or Comstock.

Explore lenders with LendingTree

If you’re comfortable working with lenders that may not have physical locations in San Antonio, you may consider taking your personal loan search online. LendingTree is a marketplace where qualified borrowers may see personalized offers from a variety of online lenders. (Eligibility is based on your creditworthiness.)

How to find bad credit personal loans in San Antonio

If you’re looking for a loan in San Antonio but have poor credit, that doesn’t mean you can’t qualify for a personal loan. Granted, you’ll need to do some research to find bad credit personal loans, as they’re less common. You can expect higher APRs with bad credit personal loans, as lenders are taking on more risk by lending you an unsecured loan.

You may also seek out secured loans. These require you to put down collateral to be considered. But be warned: If you fall behind on payments, the lender can seize your collateral.

In general, avoid payday loans. Even though they are easy to qualify for and offer fast funding, they are a predatory form of credit. Instead, you may join a federal credit union, such as River City Federal Credit Union, to qualify for a Payday Alternative Loan (PAL). These are small, short-term installment loans offered by federal credit unions. They come with a maximum $20 application fee per federal regulations.

How to choose a personal loan in San Antonio

Now that we’ve explored the choices for a personal loan in San Antonio, it is time to dig into the specifics. As you research loans and speak to lenders, you’ll want to consider loan terms, such as:

  • Range of APRs
  • Term lengths
  • Borrowing limits
  • Fees
  • Eligibility requirements

Most personal loan lenders allow you to prequalify and see potential loan offers with a soft credit check, which doesn’t affect your credit. By prequalifying with several lenders, you can compare loan terms before moving forward with the lender of your choice.

Whether you’re looking for a personal loan from a lender with San Antonio locations, online or elsewhere, you should have a clear plan for the funds. For example, consider such questions as:

  • How much do I need to borrow?
  • What kinds of monthly payments can I afford?
  • How long do I want to be in repayment?
  • Which types of fees am I willing to pay, if any?

These questions can help you determine whether a personal loan is right for you, and what loan terms are ideal for your unique financial situation.

Personal loans in San Antonio: FAQ

What are my other options if I’m looking for quick loans in San Antonio?

If you need a fast cash loan in San Antonio, you’ll find that many personal loan lenders offer same- or next-day funding after loan approval. For example, Best Egg and Upstart are two online lenders that offer funding in as little as one business day. Terms apply.

Although you may find quick loans in San Antonio via payday lenders, these types of loans come with an average 400% APR and can trap you in a debt cycle with their extremely short repayment terms.

Where can I find a payday loan in San Antonio?

You can find payday loans throughout San Antonio. A quick search using Google Maps is an easy way to find lenders online. But you should take extra care to research lender terms and read reviews from consumers. As a general rule, we don’t recommend payday loans due to their predatory terms. PALs offered by federal credit unions are a safer alternative, though you’ll need to be a member before you can apply. That said, if you absolutely need a payday loan, you should have a clear plan for repayment to avoid falling into a debt trap.

How can I find a list of banks in San Antonio?

To find some of the best banks in San Antonio, you can choose from major national banks, most of which have local branches, as well as San Antonio-based banks. Homegrown options for personal loans in San Antonio include the Bank of San Antonio, Broadway National Bank and Texas Capital Bank. For a complete list, search the FDIC’s BankFind database.

How can I find a list of credit unions in San Antonio?

To find the best credit union in San Antonio, borrowers can search the NCUA’s Credit Union Locator and browse details on more than 100 area credit unions. The database includes information on a credit union’s history, size, assets and membership requirements.


To select personal loan lenders for this roundup, we used Google Maps to search for “personal loan lenders” with local branches in San Antonio, Texas. We then researched the first 20 unique lenders that appeared in our results, and selected three lenders to feature based on 1) lowest minimum APR, 2) lowest maximum APR, 3) lowest origination fee, 4) widest range of borrowing limits and 5) widest range of term length. Lenders that did not offer information on at least three of the five factors listed above were not considered.


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