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Local lending landscape and Texas regulations
Texas allows payday and title lending with minimal state restrictions, though some cities have local ordinances limiting fees.
San Antonio's lower cost of living (9% below national average) makes it easier to build savings while improving credit. SACU and Randolph-Brooks FCU offer some of the best credit builder products in the area. Avoid the payday loan shops clustered around military bases.
"With a cost of living index of 91 and median income of $52,455, San Antonio residents have more financial breathing room than most major Texas cities - use it to build credit, not debt."
- SwipeSolutions, San Antonio Market Analysis
San Antonio is home to Joint Base San Antonio - the largest joint base installation in the Department of Defense, encompassing Fort Sam Houston, Lackland AFB, and Randolph AFB. With over 80,000 military personnel and 250,000+ veterans in the metro area, the city has developed specialized lending resources for the military community.
Military Lending Act (MLA) Protection: Active duty service members and their dependents are protected by federal law limiting APRs to 36% on most consumer loans. This crucial protection doesn't apply to veterans, so choosing the right lender matters even more after separation.
San Antonio Military Credit Unions: Security Service FCU (headquartered in San Antonio with $12B+ in assets) and Randolph-Brooks FCU serve military families with rates typically 50-70% lower than predatory lenders near base gates. Both offer "second chance" loan programs for those rebuilding credit.
Warning for Military Families: The strip of payday lenders along Military Drive and near base entrances are well-documented predators. Texas law allows APRs exceeding 600% - far above the MLA's 36% cap for active duty. Online lenders through SwipeSolutions can often beat these local storefronts by 200%+ on rates.
Common questions from San Antonio residents
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Last Updated: Jan 2026