loan star title loan

LoanStar offers many examples of possible loan costs based on the amount you borrow and the term of your loan. The average APR is between 315% and 382%. You can borrow anywhere from $100 to $10,000.

You have two options for loan terms: Lump-sum repayments or installment repayments. Lump-sum loans must be paid back within 30 days. Installment loans can be repaid for up to 150 days.

No matter what loan term you choose, you will have to pay a $28 or $33 lien fee, depending on where you live. This fee is included in your APR. Before signing your loan agreement, make sure you carefully review the breakdown of finance fees.

Is LoanStar legal?

LoanStar, a licensed title loan lender, has been in operation since 1990. It is registered with the Texas Office of Consumer Credit Commissioner. The website uses 128-bit SSL encryption for your security.

LoanStar complaints and reviews

Although LoanStar has only a few reviews, they have all been negative. The high fees charged by LoanStar are a common complaint from borrowers.

Are you eligible?

To qualify for a loan, you must own your car in full. This means that you can’t make payments on it. LoanStar may have additional eligibility requirements, but you must meet the minimum income and credit score requirements.

What information is required to submit a request?

LoanStar will require you to provide a few pieces of basic information to get started online.

  • Date of birth
  • Year, make, and model of your car
  • Contact information

You will need your lien-free vehicle title, your car, and government-issued photo identification to visit a LoanStar location.

How do I apply?

These steps will allow you to visit a LoanStar office or make an appointment.

  1. Visit LoanStar’s site.
  2. Please enter your full name, date of birth, and phone number.
  3. Choose your car’s year and make, as well as its model, series, and body style.

LoanStar will provide you with an estimated loan based on the vehicle’s value. A representative from customer service will contact you to discuss the terms and set up an appointment to inspect your vehicle.

If you have a car with a name on it, you must bring them along and agree to the loan.

What are my repayment options?

Online payments can be made through LoanStar’s website. You can also visit a LoanStar branch to pay cash, check, money order, or debit card. LoanStar accepts Western Union payments and cashier’s checks.

There is a 10-day grace before the late fee is applied. LoanStar will charge you 5% of the outstanding amount or $7.50 if you fail to make your payments. You could be subject to repossession if you default or fail to repay your loan.



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I am David, economist, originally from Britain, and studied in Germany and Canada. I am now living in the United States. I have a house in Ontario, but I actually never go.  I wrote some books about sovereign debt, and mortgage loans. I am currently retired and dedicate most of my time to fishing. There were many topics in personal finances that have currently changed and other that I have never published before. So now in Business Finance, I found the opportunity to do so. Please let me know in the comments section which are your thoughts. Thank you and have a happy reading.

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A personal loan is a medium term loan with a fixed interest rate that is repaid in equal monthly payments and it's usually limited to 24 months. Loan offers and eligibility depend on your individual credit profile. Our lenders can help you obtain as much as $3,000 depending on the lender, your state and your financial situation.

The owner and operator of is not a lender and is not involved into making credit decisions associated with lending or making loan offers. Instead, the website is designed only for a matching service, which enables the users contact with the lenders and third parties. The website does not charge any fees for its service, nor does it oblige any user to initiate contact with any of the lenders or third parties or accept any loan product or service offered by the lenders. All the data concerning personal loan products and the industry is presented on the website for information purposes only. does not endorse any particular lender, nor does it represent or is responsible for the actions or inactions of the lenders. does not collect, store or has access to the information regarding the fees and charges associated with the contacting lenders and/or any loan products. Online personal loans are not available in all the states. Not all the lenders in the network can provide the loans up to $3,000. cannot guarantee that the user of the website will be approved by any lender or for any loan product, will be matched with a lender, or if matched, will receive a personal loan offer on the terms requested in the online form. The lenders may need to perform credit check via one or more credit bureaus, including but not limited to major credit bureaus in order to determine credit reliability and the scopes of credit products to offer. The lenders in the network may need to perform additional verifications, including but not limited to social security number, driver license number, national ID or other identification documents. The terms and scopes of loan products vary from lender to lender and can depend on numerous factors, including but not limited to the state of residence and credit standing of the applicant, as well as the terms determined by each lender individually. 


APR (Annual Percentage Rate) is the loan rate calculated for the annual term. Since is not a lender and has no information regarding the terms and other details of personal loan products offered by lenders individually, cannot provide the exact APR charged for any loan product offered by the lenders. The APRs greatly vary from lender to lender, state to state and depend on numerous factors, including but not limited to the credit standing of an applicant. Additional charges associated with the loan offer, including but not limited to origination fees, late payment, non-payment charges and penalties, as well as non-financial actions, such as late payment reporting and debt collection actions, may be applied by the lenders. These financial and non-financial actions have nothing to do with, and has no information regaining whatsoever actions may be taken by the lenders. All the financial and non-financial charges and actions are to be disclosed in any particular loan agreement in a clear and transparent manner. The APR is calculated as the annual charge and is not a financial charge for a personal loan product. 

Late Payment Implications

It is highly recommended to contact the lender if late payment is expected or considered possible. In this case, late payment fees and charges may be implied. Federal and state regulations are determined for the cases of late payment and may vary from case to case. All the details concerning the procedures and costs associated with late payment are disclosed in loan agreement and should be reviewed prior to signing any related document. 

Non-payment Implications

Financial and non-financial penalties may be implied in cases of non-payment or missed payment. Fees and other financial charges for late payment are to be disclosed in loan agreement. Additional actions related to non-payment, such as renewals, may be implied upon given consent. The terms of renewal are to be disclosed in each loan agreement individually. Additional charges and fees associated with renewal may be applied. 

Debt collection practices and other related procedures may be performed. All the actions related to these practices are adjusted to Fair Debt Collection Practices Act regulations and other applicable federal and state laws in order to protect consumers from unfair lending and negative borrowing experience. The majority of lenders do not refer to outside collection agencies and attempt to collect the debt via in-house means. 

Non-payment and late payment may have negative impact on the borrowers’ credit standing and downgrade their credit scores, as the lenders may report delinquency to credit bureaus, including but not limited to Equifax, Transunion, and Experian. In this case the results of non-payment and late payment may be recorded and remain in credit reports for the determined amount of time.