- Payday loans in San Antonio follow Florida law (Florida Statutes s. 560.404 (deferred presentment)).
- Borrowing $300 at the state maximum costs $30 (10% fee) plus a small verification fee.
- 1 credit union is headquartered in San Antonio; ask about small-dollar loans before borrowing.
San Antonio at a glance
| San Antonio | |
|---|---|
| Population (2024 Census estimate) | 1,577 |
| Change since 2020 | +21.2% (growing fast) |
| County | Pasco County |
| Size rank among 393 Florida places we cover | 311th |
| Nearest larger city | Temple Terrace (about 21 miles) |
| Credit unions headquartered in town (NCUA) | 1, 1 federal |
| Credit unions headquartered in Pasco County | 2 |
| Other towns within 25 miles | 7 (about 116,022 residents) |
| Typical payday APR statewide (CRL 2023) | 293% |
There is no separate San Antonio payday law: Florida rules apply here, and any lender serving San Antonio residents, online or in person, needs a license from the Florida Office of Financial Regulation.
Credit unions in San Antonio
These credit unions have their main office in San Antonio, according to NCUA call report data (June 2026):
- San Antonio Citizens Federal Credit Union (federal charter — may offer payday alternative loans (PALs))
Only federal credit unions can offer payday alternative loans (PALs), capped at 28% APR; state-chartered credit unions often have their own small-loan products. Membership rules apply, and only main offices are listed here; find branches near you with the NCUA Credit Union Locator. See how PALs work.
Payday loan rules that apply in San Antonio
In short, Florida rules that cover San Antonio include: maximum loan: $500 (single-payment); $1,000 for installment deferred presentment; maximum fee: 10% of the amount provided, plus a verification fee; loan term: 7 to 31 days (installment: 60 to 90 days). See the full Florida payday loan rules.
What a $300 loan costs in San Antonio
The Center for Responsible Lending put the typical APR on a $400 payday loan in Florida at 293% (June 2023). For $300 at the state maximum, expect $30 (10% fee) plus a small verification fee. Check any offer with our payday loan calculator.
Other help in Pasco County before you borrow
Before a payday loan, San Antonio residents can usually find something cheaper:
- Local assistance through 211 covering Pasco County.
- A credit union payday alternative loan (max 28% APR). See PALs explained.
- Your bank’s small-dollar loan, if offered (compare banks).
- A cash advance app for $20–$500 (apps compared).
Towns near San Antonio
The nearest larger city is Temple Terrace, about 21 miles away. See all 393 Florida cities.
Need cash before payday?Send one free request to our lender network. We are not a lender; offers and rates come from lenders.
Request a loanFrequently asked questions
Are payday loans legal in San Antonio?
Yes. Payday loans are legal in San Antonio under Florida state law, and lenders must be licensed by the Florida Office of Financial Regulation.
How much does a payday loan cost in San Antonio?
At Florida’s maximum fee, borrowing $300 costs $30 (10% fee) plus a small verification fee. The typical statewide APR was 293% in 2023.
Are there credit unions in San Antonio?
Yes. NCUA data lists 1 credit union with a main office in San Antonio, including San Antonio Citizens Federal Credit Union. Federal credit unions can offer payday alternative loans capped at 28% APR.
Sources
- U.S. Census Bureau — City and town population totals, Vintage 2024
- U.S. Census Bureau — 2024 Gazetteer files (place locations)
- NCUA — Credit union call report data, June 2026 (FOICU)
- Florida Statutes s. 560.404
- Florida OFR — Payday lenders
- Center for Responsible Lending — Red Alert Rates: APRs on $400 single-payment payday loans (June 2023)
- CDFI Fund — NCUA payday alternative loans summary