Auto Title Loan
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BBB: NR
Profile signals: Borrowers facing unexpected expenses, People needing provider-stated funding timing
Part of the Speedy Cash chain · locations
Speedy Cash in San Antonio, TX
No stored Google rating available.
Speedy Cash on Blanco Rd in San Antonio, TX offers fast payday and title loans with same-day approval.
Data compiled from public sources
Speedy Cash Review
Speedy Cash is located at 8542 Blanco Rd #1 in San Antonio, TX, in a standalone storefront easily accessible from major roads in the area. The San Antonio branch is open Monday through Thursday from 9AM to 7PM, Friday 8AM to 8PM, and Saturday 10AM to 6PM, with no Sunday hours. This convenient location on Blanco Road makes it easy for San Antonio residents to stop by during their commute or shopping trips.
This San Antonio location specializes in payday loans, title loans, and cash advances for residents who need quick funding. You can apply in person at the storefront or call +1 210-349-7552 to discuss your options before visiting. The team at this location can explain terms, answer questions about collateral or documentation requirements, and process applications the same day.
When visiting the Speedy Cash branch at 8542 Blanco Rd in San Antonio, TX, bring a valid ID, proof of income (recent pay stub or bank statement), and your vehicle title if applying for a title loan. This storefront is profiled for San Antonio borrowers who are researching short-term cash access without waiting days for approval.
Services & Features
Check Cashing
Green Dot Visa Debit Card services
In-store loan application and consultation
Line of Credit up to $4,000
Money Orders
Online loan application
Payday Loans up to $425
Phone-based customer service (English and Spanish)
Title Loans up to $4,000
Vehicle appraisal for title loans
Wire Transfers
Feature Checklist
Mobile App
Online Portal
Score Tracking
Credit Education
Personal Advisor
Identity Theft Protection
Pros & Cons
Pros
- Multiple loan products available: payday loans, lines of credit, and title loans up to $4,000
- listed funding timing available for qualified applicants
- Extended hours including evening (until 7pm) and weekend service (open Saturdays 9am-4pm)
- In-store staff available to explain terms and answer questions before signing loan documents
- listed pricing: applicants know exact cost upfront before committing
- Flexible line of credit product allows drawing only what's needed up to approved limit
- Multiple nearby locations in Memphis area (9 stores listed) for convenient access
- Additional money services: check cashing, wire transfers, money orders in-store
Cons
- Payday loans capped at $425, requiring multiple loans or products for larger needs
- No specific APR or fee information disclosed on website; actual costs unknown to consumers browsing
- Requires valid government ID, proof of employment/income, and proof of address—excludes unemployed and undocumented consumers
- Short repayment terms (payday loans due next pay period) increase risk of repeat borrowing and repeat-borrowing cycles
- Title loans require vehicle appraisal in-store and clear title, which may be unavailable to many borrowers
Compare Personal Loan Options
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State Consumer Finance Context
This is state-level context for Emergency Cash consumers in San Antonio, TX. It does not confirm that Speedy Cash or this specific location is licensed.
State regulator
Texas Office of Consumer Credit Commissioner
Consumer protection
Payday loan rules in Texas
Status: Permitted
Rate context: No state fee cap; structured through Credit Access Business (CAB) model with effective APRs frequently exceeding 500%
Payday loans are legal in Texas but operated as Credit Access Businesses (CABs) that arrange loans through third-party lenders, exempting them from state usury rate caps. Several cities (Austin, Dallas, San Antonio, Houston) have enacted local ordinances imposing loan amount limits and rollover restrictions. Austin limits CAB loans to $1,500 and restricts rollovers; Dallas limits loans to $500 with 90-day mandatory waiting period between loans. The Texas Finance Code (Tex. Bus. & Com. Code § 59.001-59.060) regulates CABs but does not establish fee caps.
Installment loan rules in Texas
Status: Permitted
Rate context: 10% APR for written contracts; 18% APR default rate (Tex. Bus. & Com. Code § 307.003)
Installment loans are regulated under Texas Finance Code; same rate caps apply as personal loans for consumer lending transactions
Key state rules to check
- Payday and auto title lenders operate as Credit Access Businesses (CABs) arranging loans through third-party lenders.
- No state cap on CAB fees; effective APRs frequently exceed 500%.
- Several cities (Austin, Dallas, San Antonio, Houston) have enacted local payday lending ordinances.
Complaint resources
- Texas Office of Consumer Credit Commissioner - State Regulator
- Texas Attorney General Consumer Protection Division - State AG
- Consumer Financial Protection Bureau (CFPB) - Federal
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
Frequently Asked Questions
What services does Speedy Cash offer?
Speedy Cash offers 11 services including Payday Loans up to $425, Line of Credit up to $4,000, Title Loans up to $4,000, Check Cashing, Money Orders, and 6 more.
What profile signals are listed for Speedy Cash?
Speedy Cash has profile signals associated with Employed consumers needing $100-$425 urgently with stable next paycheck, Vehicle owners with unexpected expenses who can secure title loans up to $4,000, Consumers who prefer in-person interaction and staff guidance over online-only lenders, Customers needing check cashing, money orders, or wire transfers alongside lending.
What are the strengths and weaknesses of Speedy Cash?
Key strengths: Multiple loan products available: payday loans, lines of credit, and title loans up to $4,000; listed funding timing available for qualified applicants; Extended hours including evening (until 7pm) and weekend service (open Saturdays 9am-4pm). Areas to consider: Payday loans capped at $425, requiring multiple loans or products for larger needs; No specific APR or fee information disclosed on website; actual costs unknown to consumers browsing.
How does Speedy Cash compare to similar companies?
In the Emergency Cash category, comparable providers include Auto Title Loan, Car Title Loan, EZ Cash Title Loans. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
Quick Facts
- Headquarters
- 8542 Blanco Rd #1, San Antonio, TX 78216
- BBB Accredited
- No
CreditDoc Profile Note
Research Note on Speedy Cash
Speedy Cash is profile signals for employed consumers in Memphis seeking fast emergency cash of $425 or less, or vehicle owners needing larger title loans. The main caveat is that payday and title loans typically carry high interest rates and short terms that can trap borrowers in repeat-borrowing cycles; consumers should exhaust alternatives (employer advances, credit unions, family) before applying.
Profile Signals
- Employed consumers needing $100-$425 urgently with stable next paycheck
- Vehicle owners with unexpected expenses who can secure title loans up to $4,000
- Consumers who prefer in-person interaction and staff guidance over online-only lenders
- Customers needing check cashing, money orders, or wire transfers alongside lending
Updated 2026-05-08
Similar Companies
Car Title Loan
Blaze Payday Loans is an online loan marketplace connector that connects borrower inquiries to third-party payday and personal lenders for short-term cash access up to $10,000.
BBB: NR
Profile signals: Borrowers with bad credit needing emergency-cash timing to verify, Consumers seeking application-process timing claims for urgent expenses
EZ Cash Title Loans
Review this provider profile and compare source-linked details before choosing what to do next.
BBB: NR
Profile signals: Borrowers facing unexpected expenses, People needing provider-stated funding timing
Compare Your Needs With Speedy Cash
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Quick Summary
- Speedy Cash is listed as a Emergency Cash provider in San Antonio, TX on CreditDoc.
- Use this page to check contact details, location, listed services, review signals, FAQs, and similar providers before deciding what to do next.
- If you need a loan, account, installment option, credit help, or debt support, start with the fit quiz and compare alternatives before contacting a provider.
- For broader context, continue into the free Credit Fundamentals course or a relevant financial wellness guide.
Next Steps
Find contact or location Check phone, address, map, and website availability. Check specific services See whether the provider lists the help you need. Review fit context Use the quiz to compare category, service, and public-rating fields. Compare alternatives Review similar providers before making contact. Improve your position How to Read Your Credit Report (And Spot Errors) Learn the basics Start the free Credit Fundamentals course.
Financial Wellness Guides
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Read guide →Financial Terms Explained (10 terms)
New to credit and lending? Here are the key terms used on this page, explained in plain language with real-number examples.
Interest & Rates
APR — Annual Percentage Rate
The total yearly cost of borrowing money, including the interest rate plus any fees the lender charges. Think of it as the 'true price tag' on a loan.
Why it matters
Lenders are required to show APR by law (Truth in Lending Act) because the interest rate alone can hide fees. Comparing APR across lenders is the most reliable way to find the lower-cost loan.
Example
You borrow $10,000 at 6% interest for 3 years, but there's a $300 origination fee. The interest rate is 6%, but the APR is 6.9% because it includes that fee. You'd pay $304/month and $946 total in interest.
Compound Interest
Interest calculated on both the original amount borrowed AND the interest that's already been added. It's 'interest on interest' — and it makes debt grow faster than you'd expect.
Why it matters
Credit cards and many loans use compound interest. If you only make minimum payments, compound interest is why a $3,000 balance can take 15 years to pay off.
Example
You owe $1,000 at 20% annual interest compounded monthly. After month 1 you owe $1,016.67. Month 2, interest is charged on $1,016.67 (not $1,000), so you owe $1,033.61. After 1 year without payments: $1,219.
MAPR — Military Annual Percentage Rate
A special APR calculation used for military servicemembers that includes ALL costs — fees, insurance, and add-ons — capped at 36% by federal law.
Why it matters
The Military Lending Act protects active-duty servicemembers and their families from high-cost lending. Any lender charging above 36% MAPR to military is breaking federal law.
Example
A payday lender charges a $15 fee per $100 borrowed for 2 weeks. For civilians, that's technically legal in some states. For military: that works out to 391% MAPR — illegal under the MLA.
Usury Rate — Usury Rate (Interest Rate Cap)
The maximum interest rate a lender can legally charge in a particular state. Charging above this rate is called 'usury' and is illegal.
Why it matters
Usury laws are your main legal protection against predatory interest rates. But beware: some states have weak or no usury caps, and federal banks can sometimes override state limits.
Example
New York caps interest at 16% for most consumer loans (25% is criminal usury). If a lender tries to charge you 30% in NY, that loan is unenforceable — you could fight it in court.
How Loans Work
Collateral — Loan Collateral
An asset you pledge to the lender as security for a loan. If you stop paying, the lender can seize and sell that asset to recover their money.
Why it matters
Secured loans (with collateral) have lower interest rates because the lender has less risk. But you could lose your home, car, or savings if you default.
Example
A mortgage uses your house as collateral. A car loan uses your vehicle. A title loan uses your car title. If you miss payments, the lender can foreclose or repossess.
Fees & Costs
Late Fee — Late Payment Fee
A charge added to your account when you miss a payment deadline. Most credit cards charge $29-$41 per late payment, and many loans have similar penalties.
Why it matters
The fee itself hurts, but the real damage is to your credit score. A payment 30+ days late stays on your credit report for 7 years and can drop your score 60-110 points.
Example
Your credit card payment of $150 is due March 1. You pay on March 18. The bank charges a $39 late fee. If it's 30+ days late, it gets reported to credit bureaus and your 760 score drops to 670.
NSF Fee — Non-Sufficient Funds Fee
A fee your bank charges when a payment bounces because there isn't enough money in your account. Also called a 'bounced check fee' or 'returned payment fee.'
Why it matters
NSF fees hit you twice — your bank charges you AND the company you were trying to pay may charge their own returned payment fee. That's $50-70 for one missed payment.
Example
Your auto-pay tries to pull $350 for rent, but you only have $280 in checking. Your bank charges $35 NSF fee. Your landlord charges $25 returned payment fee. Total damage: $60 in fees.
Legal Terms
Usury — Usury (Illegal Interest)
The practice of charging interest rates higher than what the law allows. Usury laws set state-specific caps on how much lenders can charge.
Why it matters
If a lender charges usurious rates, the loan may be void, penalties can be reduced, or you may be entitled to damages. Know your state's limits.
Example
Your state caps consumer loans at 24% APR. An online lender charges you 36%. That loan may be unenforceable, and you may only be required to repay the principal — no interest or fees.
Credit Cards
Cash Advance — Credit Card Cash Advance
Using your credit card to get cash from an ATM or bank. It's one of the most expensive ways to borrow — higher interest rate, immediate interest accrual (no grace period), and an upfront fee.
Why it matters
Cash advances are a repeat-borrowing risk: 25-30% APR with no grace period plus a 3-5% fee. Interest starts the second you withdraw, not at the end of the billing cycle.
Example
You take a $500 cash advance. Fee: $25 (5%). Interest: 28% APR starting immediately. After 30 days, you owe $536.67. After 6 months of minimum payments, you've paid $85 in interest on $500.
Want to learn more? Read our Financial Wellness Guides for in-depth explanations and practical advice.
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