FUSA loan menu Lawsuit Loans Military Loans Bad Credit Student Loans Motorcycle Loans Boat Loans RV Loans Car Loans Bad Credit Business Loans Home Mortgage Loans Debt Consolidation Loans Payday Loans Bad Credit Loans

Emergency Signature Loans in San Antonio, Tx ($700 and $1500)

We are picking up today where we left off on our last publication regarding signature loans throughout the United States. Today’s signature loans listed here were approved by subprime lenders who provide personal loans to people who have poor credit ratings and live in San Antonio, Texas. We have two different loans to journal here today, and we are going to try and keep things as succinct and organized as possible this time.

In the past we have discussed San Antonio lenders, and some of the borrowers in the general area who were applying for some form of personal credit, but were unfortunately just not able to pull through with some kind of approval. We will list off some of the banks in the City of San Antonio where our applicants applied for their cash loans.

Both of these signature loans were clearly unsecured notes, and they were not approved by what most people regard as conventional lenders. A payday loan company or a cash advance company charges almost exactly the same amount in fees as these lenders do, due to the ongoing fact that so many people in the San Antonio area (and frankly, all throughout the state of Texas and across the entire nation) currently have bad credit ratings and are not eligible to qualify for any kind of unsecured note procured from conventional banks in the State. Unfortunately, this is a growing and emerging pattern in the small consumer lending market here in Texas.

Historically, signature loans (or unsecured notes of credit) are approved quickly by lenders who profit greatly from the high interest rates that they charge their customers. These San Antonio-based lenders charge extremely high interest rates in the form of fees, just like any PDL company charges. Any kind of USL will carry high interest rates and fees due to the fact that these lenders are constantly faced with the reality that they have a very high rate of charge-offs. If you don’t understand what a charge off is, it is when a borrower is, not only late on their payments to the lender, but they don’t pay back the lender at all. Then the lender has to “charge off” the note, and try to recoup their money by using some form of contract with a collection agency. Usually, these collection agencies use aggressive methods to try and recoup the money from the delinquent borrowers, and they purchase all of the outstanding charged off notes from the signature loan provider.

To illustrate how expensive these loans are, simply look at the two tables below for our San Antonio borrowers and lenders finalized loan agreements. Look at column #2/row #5 to see the actual effective fee per $100 placed on the signature loan for each customer. We use the definitive number (right to the last cent) to show the true cost of borrowing, including office administration costs, etc.

Also, take special notice of column #2/row #6 to see the true an effective APR charged on each loan. The dead giveaway when comparing your basic everyday signature loan with a payday loan advance, can be seen in columns #2/row #9 – this is where we show the range of weeks that these San Antonio lenders offer. There is no chance of an installment loan that stretches over a one month, two month, three month period, or more. These are not low interest products, and I hope we have made this perfectly clear so that you can avoid using this kind of high yield loan product.

These signature loans should only be used in dire situations or emergency situations, and never when you just want to have some fun, go on a trip, go to the casino, buy a new toy, flat screen, vehicle accessory, or a wild weekend. You only get these loans when you have absolutely no other options for credit, and it’s a matter of health, safety, and personal income, such as the requirement to have transportation to get to work and back.

We have chosen borrowers who have low FICO scores ranging between 550 and 590. We have done this to show that this is the average FICO score range of all the borrowers we see applying for these kinds of signature loans all throughout the state of Texas. We will now move on to discuss our first approved loan in North San Antonio. The last loan of interest was approved by a subprime lender, to a bad credit applicant living and working on the South side of San Antonio.

$700 Signature Loan in San Antonio – Cost and Applicant Purpose

As promised, we are starting in northern San Antonio where a borrower who lives in the Alamo Heights and Edison area. He needed to get a fast personal loan of $700 approved overnight, because his laptop was stolen from his vehicle when he was shopping at Costco up in the Regency Meadow/Oakland Heights area of San Antonio, which is near Interstate Highway 10 on Utsa Boulevard. He was there picking up some reading glasses, when his car was broken into and his laptop was gone when he came back.

He does have insurance for replacement of his laptop, but he needs a replacement immediately so he can continue with his rigorous college education. He is taking engineering at the University of Texas at San Antonio. Unfortunately, this young applicant has a severely damaged credit rating and was unable to access any form of credit such as a credit card or bank overdraft. He has absolutely no department store type credit cards either (which is always a good thing in your humble narrator’s opinion). He couldn’t get approved with any of his current bank branches that he was doing business with at the time, and his pride would not allow him to consider asking for loan from his family.

The applicant here was only 21 years old at the time of this loan application, and he had very little work experience under his belt to use as some sort of security or leverage with a bad credit lender in the city. There are some lenders who will provide loans to people who have bad credit scores living and working in San Antonio (and surrounding areas) but the key word here is “working”.

This young applicant works part-time in the evenings as a salesperson at Best Buy in northern San Antonio on La Cantera Parkway. He doesn’t make much money per month, but he satisfied this USL lender (in regards to the risk quotient) with his proof of employment, pay stubs from the last two months of work, and his print off(s) from his bank statements. Now let’s get into the banking establishments and branches that this applicant was declined credit at.

This applicant has one savings account and one checking account at the Wells Fargo branch on Northeast loop (Interstate 10) right beside the San Antonio International Airport. He was declined there for any kind of extra credit. After being disqualified at Wells Fargo, he tried his other bank branch which is the Frost Bank on Blanco road, which is up near West Avenue, and Parliament Street, near Winston Churchill High School. He was declined a low-limit credit card, as well as a personal loan of any sort. After trying and failing at his two banks, he thought that perhaps he might have better luck with a new bank that he has never done business with, or has any accounts with. He mistakenly assumed that his bad credit rating wouldn’t be in question if he went to a different bank. Of course, anybody with any kind of experience with money and personal banking, would fully understand that requests for credit follow you wherever you go to apply.

He tried to get approved with Citibank on Northwest loop, at the Sterling Bank (same road) and the Bank of America which is just down the street. All of these three banks declined him for credit. He realized that the only way he was going to get approved for a $1000 loan (this was the amount of money he was trying to borrow initially), or a $700 loan (which he was finalized for in this case), was if it was a signature only type loan, or a 100% unsecured loan of some sort.

This applicant found our website and used our form to make a pre-application on our system, and there was proximately half a dozen different subprime lenders who approve borrowers reviewing the request for cash. Two of these lenders approached the applicant, and offered their terms. The borrower chose to go with the lender based in Houston and in the table you can see the finalized fee structure on the $700, and the effective APR of 465% (approximately). The total cost of borrowing in this case was $250.32, and the loan term length came to four weeks.

This signature loan provider was repaid in the total amount as per their mutual lending agreement, with no overtures, late payment fees, or delinquency involved. Once the borrower was reimbursed by his insurance company, he paid back the lender with five days to spare.

$700 Signature Loan in San Antonio – Lender Service Area (North)

$700 Signature Loan in San Antonio – Interest, Principal, Term Length

Table of Data for $700 Signature Loan in San Antonio (pre and post app)

Loan Data Loan Values
Principal Sig. Loan Amounts (lenders average) #1 $100, $200, $300, $400, $500, $600, $700, $800
Principal Sig. Loan Amounts (lenders average) #2 $900, $1000, $1100, $1200, $1300, $1400, $1500
Principal of Signature Loan $700
Loan Product Nomenclature Unsecured Signature Loan (USL)
Loan Fee Per $100 (exact) $35.76
Finalized Signing (Effective APR on Loan) 464.88%
Total Interest Charged by Lender $250.32
Total Monies Paid To Lender $950.32
Lender’s Loan Term Lengths 1 week, 2 weeks, 3 weeks, 4 weeks
Finalized Loan Term Length in Weeks 4 weeks
Borrower’s Area of Residence North San Antonio, Olmos Park, Terrell Hills, Windcrest
Other Areas of Lender Service Castle Hills, Leon Valley, Hollywood Park, Live Oak
Main City Center of Application San Antonio
State Texas
Lender Classification Signature Loan Provider
Credit Score (FICO Number) 575

$1500 Signature Loan in San Antonio, Texas (The Borrower Request)

The second borrower who lives in the southern half of the city. He lives in an area known as Avenida Guadalupe, which is just across Interstate Highway 35 from downtown San Antonio. She is also a fairly young person who has a bad credit score. She may have cleaned up her credit score recently since the time of this loan approval (we hope so anyway) so she may not be suffering with a poor credit score any longer. She may have learned her lesson, and learned how to spend less money, and make more money each month.

She needed to get a $1500 loan on an unsecured basis. She chose the ever-expensive signature loan product as well, and ended up paying an FP100 of $27.54. This ended up making the effectual APR 477% (rounded down), with a total pay back to the signature loan provider of $1913.10. This was a three week term that eventually, and unfortunately, included a late payment fee that we have added to the table below. There are State laws in Texas regarding how much money a signature loan provider can charge for late payments, and of course this lender chose to charge the maximum amount allowed by Texas law.

The length of term of this loan was three weeks, and in actuality, the loan was paid back over four weeks. This borrower should have opted for the one month term in the first place.

This signature loan provider services all of San Antonio, including all areas, and neighborhoods. The last unsecured loans that this lender provided were to applicants and borrowers in the Jefferson Heights, Lackland AFB, China Grove, Hot Wells, Harris, and Somerset areas of San Antonio. This is why we chose this lender for our data in this installment.

You can also see that the most common loan amounts this lender has approved range in $100 increments starting at approximately $1500, and up to $3000. They have been providing signature loans to people who need unsecured credit all throughout the State of Texas, including the cities of Dallas, Houston, San Antonio, Galveston, Corpus Christi, Waco, Fort Worth, Lubbock, and the city of Amarillo (Northern Texas). They have been lending money to applicants in Texas for over 15 years now, and they are a 100% legal lending institution. We don’t provide the names of our lenders, as they have all chosen to use our database to view different leads, and they will approach bad credit customers by their choice, and choose not to be inundated with applications and loan requests from the masses.

Now this borrower is a private stationed at the military base of Lackland AFB which, is in the Southwest area of San Antonio, if you have never been to the city before. He has been on active duty in the military (United States Air Force) for seven years now, and did two tours of duty in Iraq and Afghanistan. Because he is a military man, this signature loan provider had to abide by the laws of the federal government in regards to providing loan products to military personnel.

Technically, you could call this a “military loan”, but this lender chooses not to label their products in this manner. They provide loans to people who have bad credit ratings from all walks of life, all social economical backgrounds, marital statuses, and employment statuses. The only thing that this lender insists on is that the borrower has a steady monthly income, and can prove they are gainfully employed with the use of their previous two months bank statements, and employment pay-stubs. In this case, the borrower only needed to provide his last two months pay stubs from the US Air Force.

Before this applicant finally went online to look for a fast signature loan, he tried to get approved with his bank branch, and with a couple of other banks as well. We would like to touch on a few of these failed applications before we sign off today.

He tried to get some credit extended to the tune of $1500 at his bank branch which is the SACU (San Antonio Credit Union) on General Hudnell Drive just North of the Lackland AFB. He also tried to get approved at the Southside Credit Union over on Nogalitos, and at the Bank of America. None of these establishments would approve him for a loan.

$1500 Signature Loan in San Antonio – Lender Service Area (South)

$1500 Signature Loan in San Antonio – Interest, Principal, Term Length

Table of Data for $1500 Signature Loan in San Antonio (pre and post app)

Loan Data Loan Values
Principal Sig. Loan Amounts (lenders average) #1 $1600, $1700, $1800, $1900, $2000, $2100, $2200
Principal Sig. Loan Amounts (lenders average) #2 $2300, $2400, $2500, $2600, $2700, $2800, $2900
Loan Principal Finalized $1500
Loan Product Nomenclature Unsecured Signature Loan (USL)
Loan Fee Per $100 (exact) $27.54
Finalized Signing (Effective APR on Loan) 477.36%
Total Interest Charged By Lender $413.1
Total Monies Paid To Lender $1913.1
Lender’s Loan Term Lengths 1 week, 2 weeks, 3 weeks, 4 weeks
Finalized Loan Term Length in Weeks 3 weeks
Borrower’s Area of Residence South San Antonio, Jefferson Heights, Lackland AFB
Other Areas of Lender Service Somerset, Macdona, Lytle, China Grove, Harris, Hot Wells
City Center of Application San Antonio
State Texas
Lender’s Classification Signature Loan Provider
Credit Score (FICO Number) 582

Both of the signature loans were paid back to the perspective lenders and the borrowers managed to dig themselves out of their steep debt over the next 6 months – to a year. Whenever you are entertaining the prospect of a high-interest loan, you must also take a serious look at your present financial situation – in other words, learn to spend less money, and find methods of making more money each month and year.

36 Loan Requests

  1. Sandra applied for the following loan:

    Purpose of Loan:

    I need to start my own business with a partner. We want to launch a service based computer repair business in San Antonio. Together we need at least $150,000 in capital to get it off the ground.

    My partner already has his $80,000 invested, and I need to come up with $70K for my side of the investment. We hope to have a monthly income from the business of $20,000 within 6 months of opening. We have a prime location in Southeast San Antonio and we have done our home work on this completely.

    Please get back to me within the next couple of days so we can begin the loan process. Thanks in advance.


    Thursday, December 22, 2011 at 8:36 am | Permalink
  2. James applied for the following loan:

    Purpose of Loan:

    Need to pay up furniture payments to get up to date and get some breathing rom, Going to start in the oil feilds soon and can make the payments easier making 20 hr plus 30 an hour over time at 84 hours a week with a week off

    Monday, March 26, 2012 at 3:58 pm | Permalink
  3. STEPHANIE applied for the following loan:

    Purpose of Loan:


    Monday, August 20, 2012 at 8:05 am | Permalink
  4. Manuel applied for the following loan:

    Purpose of Loan:

    i need the loan for my custody battle with my daughter that i been fighting for awhile.

    Thursday, September 27, 2012 at 10:12 am | Permalink
  5. Christina applied for the following loan:

    Purpose of Loan:

    catch up on some bills, and pay off some

    Friday, September 28, 2012 at 8:03 am | Permalink
  6. hershel applied for the following loan:

    Purpose of Loan:

    catch up a bill and pay couple others off to rebuild credit

    Friday, October 12, 2012 at 12:00 pm | Permalink
  7. TEYAWNA applied for the following loan:

    Purpose of Loan:


    Saturday, October 27, 2012 at 3:44 pm | Permalink
  8. TEYAWNA applied for the following loan:

    Purpose of Loan:


    Saturday, October 27, 2012 at 3:48 pm | Permalink
  9. YVETTE applied for the following loan:

    Purpose of Loan:


    Monday, October 29, 2012 at 11:54 am | Permalink
  10. Leslie applied for the following loan:

    Purpose of Loan:

    I need to pay day care for my 10mth old by tomorrow 11-01-12 and the rest of my rent..i got behind on my bills and just caught up and I dont have enough for day care and rent

    Wednesday, October 31, 2012 at 8:12 am | Permalink
  11. doris applied for the following loan:

    Purpose of Loan:

    Brimwell capital group said they going to loan me 7000 i needed a deposit i sent it then they needed 650.00 for insurance i sent it and with no further delay or any other money i would have it in 3 hours will didn’t get it now they need 765.00 for closing im not getting my money for 7 days that i sent now my home is behind to pay two months of morage i need 2000 and to get by till next payday

    Thursday, November 1, 2012 at 4:10 pm | Permalink
  12. Shannon applied for the following loan:

    Purpose of Loan:

    I was scammed out of 1500 from Brimwell Capital Group. They asked for 826.00 for collateral py. and then asked for 700 insurance py. I sent both and was suppose to recieve 7000. They then asked for another 846 for down py. I said no and asked for refund. They said it would take 7 days to receive but it has been two weeks and now I cant get through to anyone on the phone. i am behind in mortage and other bills. Please help me, I have no where else to turn.

    Wednesday, November 7, 2012 at 9:12 pm | Permalink
  13. Rodney applied for the following loan:

    Purpose of Loan:

    after I started paying child support I started working on a per panel basis instead of hourly because it cut my checks in half and now i have fallen behind on rent, my wife wants to get a job to help with bills and rent but doesn’t even have the gas to get anywhere. If I were to get this loan she could secure a job as well to help repay the debt. Just don’t want to get evicted and with late fees I’m almost 2000 behind. I do not have a bank account but I do have my pay stubs for the last few months.

    Friday, November 9, 2012 at 6:13 am | Permalink
  14. olis applied for the following loan:

    Purpose of Loan:

    Holidays and buy stuff my kids

    Saturday, November 10, 2012 at 8:37 am | Permalink
  15. noha applied for the following loan:

    Purpose of Loan:

    I need to pay my car and groceries.

    Monday, November 26, 2012 at 2:47 pm | Permalink
  16. Ricardo applied for the following loan:

    Purpose of Loan:

    Pay rent and carnote.

    Monday, December 3, 2012 at 5:15 pm | Permalink
  17. Rosa applied for the following loan:

    Purpose of Loan:

    Pay electic bill and water

    Monday, December 10, 2012 at 6:31 pm | Permalink
  18. Nicole applied for the following loan:

    Purpose of Loan:

    I need a loan to get caught up on my child’s day care and to pay some bills I fell behind on. I’m a single parent and My child is 3yr old special needs who goes to a day care who specializes with children with disabilities. My child is used to his routine and is showing remarkable progress and cannot afford to miss because I fell behind paying it. In December my child had a minor surgery then was sick as I was too and I missed a lot of work and fell behind on other bills as well.

    Saturday, January 12, 2013 at 3:52 pm | Permalink
  19. Joshua applied for the following loan:

    Purpose of Loan:

    to catch up on bills and get backo on track

    Sunday, January 20, 2013 at 4:11 pm | Permalink
  20. MaeDell applied for the following loan:

    Purpose of Loan:

    Car out of shop, car insurance , tags & inspection sticker

    Thursday, January 31, 2013 at 6:06 pm | Permalink
  21. Candice applied for the following loan:

    Purpose of Loan:

    My children and I just moved to San Antonio and we have been doing ok but we (I) fell behind on the bills due to a few minor emergencies with my son and his asthma. I am currently about to start a new job on Monday but unfortunately my rent and electric are due today. Please help so that I can keep my family safe.

    Saturday, March 2, 2013 at 9:49 am | Permalink
  22. Jean applied for the following loan:

    Purpose of Loan:

    Before my husband’s progressively declining health over the last 2 years, we were able to pay our monthly bills (rent, utilities, etc) on time & able to live from paycheck to paycheck fine. I’m the only one working & my husband gets a small disability check once a month, which doesn’t go very far since all of his health expenses. Can’t make ends meet anymore with all the mounting medical/hosp. bills & medications I have to get my husband now a month. Have been trying to pay a little on each bill, but can’t pay them fast enough to keep from going to collections on some. My husband has to continually get treatment & be monitored. All the additional medical/hospital bills have caused a hardship in trying to pay our normal monthly bills, rent, utilities, etc. which I’ve not been able to pay on time & falling further behind on them. It’s an endless circle that I can’t possibly get out of unless someone will give me the opportunity & have faith in me to provide a loan in order to pay off all of these bills & get caught up. Getting back on our feet without the extra 10+ bills ea. month will give me my paycheck back & we will be able to live from paycheck to paycheck again. I’ll be able to spend quality time with my husband without the constant overwhelming worry over how the bills will be paid & answering all the calls demanding payment for rent, etc.
    Getting this loan means everything – getting back on our feet once paying off all the medical bills & getting current on all the other bills, and getting back my paycheck again. Being able to breathe again & enjoy life with my husband which I’m not sure how much more quality time we have together. This loan would allow us to get back our dignity again & allow things to be back to normal. Freeing up my paycheck with no more multiple payments each time makes it more manageable as it was before my husband’s health issues. Taking away all of these extra bills & getting all the other bills caught up & current would allow me to be able to pay this loan each month with no problem. Paying off all the 10+ extra medical bills & getting current all the other bills will free up my paycheck & will allow me to pay each month this one loan payment & keep current the rent & utilities. We never lived beyond our means & only have the necessary monthly expenses of rent, utilities, car insurance.
    I’ve tried everywhere & everyone to no avail to get a loan to pay off everything. I would be able to pay back the loan monthly as all the other extra bills would be paid off. In place of the 10 extra bills, I’d only have the one loan payment a month which I’d be able to afford to pay each month. It’s been very degrading & embarrassing to be in this financial crisis. Please help us in giving us a chance & have faith in us that we’ll be a very good risk for you & will not default. We’re both in our late 50’s & only want to get back our life & enjoy it again and rebuild our credit & finances once again. I pray you’ll help us.

    Tuesday, March 5, 2013 at 8:07 am | Permalink
  23. Rudy applied for the following loan:

    Purpose of Loan:

    I need a car like bad for work because ive called in twice for transportation and my friend is willing to sell me his late 90′s Honda Si for $3000 and I have exactly $1000 saved so I was hoping to get a loan ASAP to buy this car off of him.

    Thursday, March 28, 2013 at 9:07 am | Permalink
  24. manuel applied for the following loan:

    Purpose of Loan:

    Honestly I’m behind on everything and barley making ends met i don’t know what else to do. I need loan for rent (main reason really) I have 3 little ones and can’t afford to get evicted..we have no where else to go and not really any friends or family that live in San Antonio…I’ve tried many loan places and been denied at all…I don’t have a bank account..or much valuables to sell or pawn…I hope and pray that u can help me as I know there are many people in need….thank you and God bless everyone

    Thursday, April 18, 2013 at 12:25 pm | Permalink
  25. brandy applied for the following loan:

    Purpose of Loan:

    need to get a procedure done and hav to pay up front done have it all at once if i could make payments it wud be easier but they want money day of procedure

    Wednesday, April 24, 2013 at 1:20 pm | Permalink
  26. sarai applied for the following loan:

    Purpose of Loan:

    Recently had ruptured sewer line which left me without usable water in my house. Am mother to two young children and repair costs are over $8000, not covered by insurance. Have spent my small savings ($3500) so far but am still short the amount I need in order to get everything fixed. Have bad credit after living paycheck to paycheck for a while but was finally on the road to saving when this happened. Need a loan that I can repay over 6 months if possible in order to get back on track.

    Monday, May 20, 2013 at 5:54 am | Permalink
  27. Ken applied for the following loan:

    Purpose of Loan:


    Wednesday, June 19, 2013 at 9:41 am | Permalink
  28. bobbie applied for the following loan:

    Purpose of Loan:

    Trying to get a place of my own

    Sunday, June 30, 2013 at 6:25 pm | Permalink
  29. Crystal applied for the following loan:

    Purpose of Loan:

    I need to catch up on bills and get some weight off my shoulders!

    Friday, July 12, 2013 at 12:40 pm | Permalink
  30. Christina applied for the following loan:

    Purpose of Loan:

    12 year old daughter needs braces, registration for school, purchase uniforms, school supplies, etc. Husband had an accident which left him unable to work .

    Monday, July 22, 2013 at 11:03 am | Permalink
  31. Jesse applied for the following loan:

    Purpose of Loan:

    Central A/C broke at home.

    Friday, August 30, 2013 at 8:56 am | Permalink
  32. Felipe applied for the following loan:

    Purpose of Loan:

    My daughters Quince (sweet 15 dance) many sponsors have back out in assistsing during this last week before the event. Need to pay for limosuine service and dress accessories still needed.

    Sunday, September 22, 2013 at 9:32 am | Permalink
  33. Tammie applied for the following loan:

    Purpose of Loan:

    I need it to gert food and get caught up on my bills that is due.

    Saturday, September 28, 2013 at 1:52 pm | Permalink
  34. Mia applied for the following loan:

    Purpose of Loan:

    To fix car

    Wednesday, October 9, 2013 at 1:56 pm | Permalink
  35. Jeannette applied for the following loan:

    Purpose of Loan:

    I have fallen behind on my bills. I usually am able to pay my rent and utilities. I got very sick and needed to be hospitalized. I have COPD,RUMITORY ARTHRITIS ON MY LEFT SIDE, and liver abnormalities. I get sick a lot. I just want to be able to have a nice Christmas with my nine year old grand daughter. I get one of my checks direct deposit to a Rush card. that is my windows pension.please help.Thank you in advance.

    Thursday, December 5, 2013 at 6:54 am | Permalink
  36. LAKASHKA applied for the following loan:

    Purpose of Loan:


    Friday, December 6, 2013 at 6:02 am | Permalink

Request Your Loan

Your email is never published or shared - NEVER! Use first name or nick name ONLY for your privacy please. Lenders will contact you using your email to initiate process. You should find out what your current credit score is and/or repair your score with a legitimate company. This speeds up the approval process. Applicants who enter more information regarding the purpose of the loan get the fastest response time from lenders. Required fields are marked *