Auto Title Loan
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BBB: NR
Profile signals: Borrowers facing unexpected expenses, People needing provider-stated funding timing
Part of the LoanStar Title Loans chain · locations
Loanstar Title Loans in Carrollton, TX
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Carrollton's Loanstar Title Loans at 2000 E Belt Line Rd offers quick title loans and cash advances to residents.
Data compiled from public sources
Loanstar Title Loans Review
Loanstar Title Loans' Carrollton, TX location is situated at 2000 E Belt Line Rd, a convenient spot for residents in the Carrollton area. The storefront operates Monday through Friday from 10 AM to 6 PM, with extended Saturday hours from 9 AM to 2 PM. This location serves the Carrollton community with dedicated staff ready to help with your lending needs.
At this Carrollton branch, you can apply for title loans, payday loans, and cash advances on your vehicle's equity. The team here understands the specific financial situations of Carrollton residents and can work with you on flexible terms. Call 214-483-3852 to speak with a loan staff context about your options.
If you're a Carrollton resident facing an unexpected expense or short-term cash need, this Loanstar location can process your application quickly, typically within hours. Bring a valid photo ID, proof of income, and your vehicle's title if you're applying for a title loan. Loanstar focuses on fast, listed lending to serve Carrollton families and individuals.
Services & Features
Car title loans (auto title loans) up to $10,000
In-store cash disbursement
In-store payment acceptance (cash, check, debit card, Western Union)
Multiple DFW-area branch locations for in-person service
Multiple installment title loan structure
Online payment portal
Publicly posted OCCC-compliant fee schedules
Single installment title loan structure
Spanish-language customer service
Toll-free phone inquiry line (877-511-CASH)
Feature Checklist
Mobile App
Online Portal
Score Tracking
Credit Education
Personal Advisor
Identity Theft Protection
Pros & Cons
Pros
- Loans available up to $10,000, higher ceiling than typical payday or emergency cash lenders
- Founded in 1990 — over 35 years of operational history provides institutional stability
- Licensed by Texas OCCC with publicly posted fee schedules for $600, $1,200, and $2,000 loan amounts
- Multiple payment methods accepted: cash, check, debit card, and Western Union
- Saturday hours (9AM–2PM) available, unlike many traditional lenders
- Simple, three-item application requirement: vehicle, photo ID, and clear title
- Online payment portal available in addition to in-store payment
- Spanish-language website option for bilingual customers
- Multiple Fort Worth-area locations provide convenient access across the metro
Cons
- Vehicle serves as collateral — failure to repay can result in repossession of the borrower's car
- Title loans in Texas frequently carry triple-digit APRs; fee schedules are posted but prominent APR disclosures are not highlighted on location pages
- Weekday hours limited to 10AM–6PM, narrower window than banks or online lenders
- Clear title required — borrowers with any existing lien on their vehicle do not qualify
- No mention of credit counseling or hardship programs if a borrower cannot repay
Compare Personal Loan Options
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State Consumer Finance Context
This is state-level context for Emergency Cash consumers in Carrollton, TX. It does not confirm that Loanstar Title Loans 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 Loanstar Title Loans offer?
Loanstar Title Loans offers 10 services including Car title loans (auto title loans) up to $10,000, Single installment title loan structure, Multiple installment title loan structure, In-store cash disbursement, In-store payment acceptance (cash, check, debit card, Western Union), and 5 more.
What profile signals are listed for Loanstar Title Loans?
Loanstar Title Loans has profile signals associated with Vehicle owners with a clear car title who are researching short-term cash access and do not qualify for traditional personal loans, Consumers with poor or no credit history who have been turned down elsewhere, Fort Worth or DFW-area residents who prefer in-person loan transactions over online-only lenders, Borrowers needing more than $1,000 but who lack the credit profile for an unsecured personal loan.
What are the strengths and weaknesses of Loanstar Title Loans?
Key strengths: Loans available up to $10,000, higher ceiling than typical payday or emergency cash lenders; Founded in 1990 — over 35 years of operational history provides institutional stability; Licensed by Texas OCCC with publicly posted fee schedules for $600, $1,200, and $2,000 loan amounts. Areas to consider: Vehicle serves as collateral — failure to repay can result in repossession of the borrower's car; Title loans in Texas frequently carry triple-digit APRs; fee schedules are posted but prominent APR disclosures are not highlighted on location pages.
How does Loanstar Title Loans 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
- 2000 E Belt Line Rd, Carrollton, TX 75006
- BBB Accredited
- No
CreditDoc Profile Note
Research Note on Loanstar Title Loans
LoanStar Title Loans is best suited for DFW-area consumers who own their vehicle outright, need cash quickly (up to $10,000), and cannot qualify for lower-cost credit options. The main caveat is the collateral risk inherent in all title loans — borrowers who miss payments risk losing their vehicle, making this product appropriate only for genuine emergencies after exhausting alternatives like credit union PALs, personal loans, or family assistance.
Profile Signals
- Vehicle owners with a clear car title who are researching short-term cash access and do not qualify for traditional personal loans
- Consumers with poor or no credit history who have been turned down elsewhere
- Fort Worth or DFW-area residents who prefer in-person loan transactions over online-only lenders
- Borrowers needing more than $1,000 but who lack the credit profile for an unsecured personal loan
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 Loanstar Title Loans
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Quick Summary
- Loanstar Title Loans is listed as a Emergency Cash provider in Carrollton, 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
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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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