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Bexar County, Texas (TX)

Payday & Title Loans in Balcones Heights, TX

3 lenders in Balcones Heights, TX · 1 lists hours · 1 open Saturday · 3 verified in the last 30 days

Looking for a payday or title loan near you in Balcones Heights, Texas? We list 3 lender locations in Balcones Heights with addresses, phone numbers, opening hours and, where Texas publishes it, license status. Last checked October 7, 2026.

Open now or opening soon

With hours & phone

Other licensed lenders in Balcones Heights

2 without listed hours yet

Balcones Heights lenders at a glance

Balcones Heights, in Bexar County (population 2,707), has 3 lender locations in our directory: 3 title loan stores and 2 payday loan stores (some stores offer more than one type), all in ZIP code 78201. The chains with the most stores here are ACE Cash Express (1), Speedy Cash (1) and TitleMax (1). The only store here that publishes hours is open on Saturday but not on Sunday. Balcones Heights has its own ordinance on payday and title lenders, on top of Texas law. The nearest other city with lenders is San Antonio, about 2 miles away, with 170 locations.

Stores by loan type
Payday loans 2
Title loans 3
County
Bexar County
ZIP code
78201
Hours (1 store lists them)
Open Saturday: 1
Open until 7 pm or later on weekdays: 1

Typical cost in Texas

Balcones Heights's payday and title loan ordinance

Balcones Heights is one of the Texas cities that limit payday and auto title loans by local ordinance (Unified payday/auto-title (CAB) ordinance). Under the ordinance:

  • Credit access businesses must register with the city.
  • A payday loan, including all fees, cannot exceed 20% of the borrower's gross monthly income.
  • An auto title loan cannot exceed the lesser of 3% of gross annual income or 70% of the vehicle's retail value.
  • Installment loans are limited to 4 payments, each paying down at least 25% of the principal.
  • Single-payment loans can be renewed at most 3 times, and each renewal must reduce the principal by at least 25%.

Source: Texas Appleseed, city payday and auto-title ordinances · Last verified Oct 7, 2026. Check the city's current code before relying on these limits.

Questions people ask

How many title loan stores are in Balcones Heights, TX?

We list 3 title loan stores and 2 payday loan stores in Balcones Heights, checked against their sources as of October 7, 2026.

Are payday loans legal in Texas?

Yes. Payday lenders operate in Texas under state rules. For example: A credit services organization that arranges payday loans must hold a credit access business license for each location where it operates (Tex. Fin. Code § 393.603).

Which lenders have the most stores in Balcones Heights?

ACE Cash Express (1 store), Speedy Cash (1 store) and TitleMax (1 store).

Are any lenders in Balcones Heights open on weekends?

The only store here that publishes hours is open on Saturday but not on Sunday. Holiday hours can differ, so call ahead.

Does Balcones Heights have its own payday loan rules?

Yes. Balcones Heights regulates payday and title lenders by local ordinance (Unified payday/auto-title (CAB) ordinance): a payday loan, with fees, cannot exceed 20% of the borrower's gross monthly income. Texas law applies as well.

Answers are generated from the listings and verified rules on this page; see Sources below.

Sources

The listings and rules on this page come from these sources. Each listing also links to its own record.

  1. Texas OCCC ALECS licensee search · 3 locations Last verified Oct 15, 2026
  2. TitleMax store locator · 1 location Last verified Oct 15, 2026
  3. OCCC, 2025 Study of Consumer Loan Products · Average APRs for payday, title and pawn loans Last verified Oct 7, 2026
  4. Texas Finance Code, chapter 393 (Credit Services Organizations / Credit Access Businesses) · Credit access business rules Last verified Oct 7, 2026
  5. Texas Appleseed, city payday and auto-title ordinances · Balcones Heights payday and title loan ordinance Last verified Oct 7, 2026 · medium confidence

We re-check sources regularly and show the date each was last verified. Spotted a mistake? Tell us and we'll check it against the source.

CashAdvance is not a lender and does not take applications. Listings are information only, built from public records (such as state license lists) and lenders' own published details. Confirm hours, fees and terms with the lender before you visit or borrow.