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Part of the LoanStar Title Loans chain · locations
LoanStar Title Loans in Irving, TX
Irving, TX - LoanStar Title Loans at 2450 N Belt Line Rd offers fast title loans and payday advances with same-day funding.
Data compiled from public sources · Rating from CreditDoc methodology
LoanStar Title Loans Review
LoanStar Title Loans is located at 2450 N Belt Line Rd Suite 130 in Irving, TX, positioned for convenient access throughout the Irving metropolitan area. The storefront is open Monday through Friday from 10 AM to 6 PM, with limited Saturday hours from 9 AM to 2 PM, giving Irving residents flexible access to title loan services.
At this Irving location, you can apply for title loans and payday advances with straightforward approval processes. Speak with a loan specialist directly by calling +1 469-276-8020 to discuss your borrowing needs, get pre-approval estimates, and learn about documentation requirements.
If you're an Irving, TX resident needing quick cash against your vehicle title or paycheck, bring a valid ID, proof of income, and vehicle information. LoanStar's same-day funding can help bridge short-term cash gaps.
Services & Features
Auto title loans (car title loans) up to $10,000
In-store cash disbursement
In-store payment (cash, check, debit card)
Multi-location branch network across San Antonio, TX
Multiple-installment title loan structure
OCCC-published fee schedule disclosures for $600, $1,200, and $2,000 loan amounts
Online loan payment portal
Phone-based loan inquiry (877-511-CASH)
Single-installment title loan structure
Spanish-language customer service and website
Western Union payment acceptance
Feature Checklist
Mobile App
Online Portal
Score Tracking
Credit Education
Personal Advisor
Identity Theft Protection
Pros & Cons
Pros
- Founded in 1990 — over 35 years in the title lending industry
- Loans up to $10,000 — higher ceiling than typical payday or emergency cash products
- Simple three-item requirement: vehicle, photo ID, and clear title
- Multiple San Antonio locations (at least 5 branches within 11 miles)
- Accepts four payment methods: cash, check, debit card, and Western Union
- OCCC-licensed with published fee schedules for $600, $1,200, and $2,000 loan amounts
- Spanish-language website option serving bilingual customers
- Online payment portal available for repayment convenience
Cons
- Vehicle must have a clear title — borrowers with an existing auto loan or lien cannot qualify
- Title loans typically carry triple-digit APRs; OCCC fee disclosures confirm costs but do not minimize them
- Risk of vehicle repossession if the loan is not repaid — a serious consequence for borrowers who rely on their car
- Limited hours (closes 6 PM weekdays, 2 PM Saturday, closed Sunday) compared to 24/7 online lenders
- Geographic coverage appears limited to Texas based on available location data
Rating Breakdown
Value 2.0
Effectiveness 1.5
Customer Service 2.2
Transparency 2.0
Ease of Use 3.9
Compare the Best Personal Loan Options
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Frequently Asked Questions
Is LoanStar Title Loans legitimate?
Yes. LoanStar Title Loans is a registered company, headquartered in 2450 N Belt Line Rd Suite 130, Irving, TX 75062.
Quick Facts
- Headquarters
- 2450 N Belt Line Rd Suite 130, Irving, TX 75062
- BBB Accredited
- No
- Starting Price
- Contact provider
- Setup Fee
- None
- Money-Back Guarantee
- No
CreditDoc Diagnosis
Doctor's Verdict on LoanStar Title Loans
LoanStar Title Loans is best for Texas vehicle owners who hold a clear car title, need cash fast, and cannot qualify for lower-cost credit products. The main caveat is that title loans are among the most expensive forms of consumer credit and carry the real risk of losing your vehicle if you default — borrowers should exhaust personal loans, credit unions, and payday alternatives before applying.
Best For
- Vehicle owners with a fully paid-off car title who need $500–$10,000 quickly
- Borrowers with damaged or no credit who cannot qualify for personal loans or credit cards
- San Antonio-area residents who prefer in-person transactions with a physical branch
- Spanish-speaking consumers who need title loan access in their primary language
Updated 2026-04-29
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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 must 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 cheapest 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 predatory 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 might only need 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 debt trap: 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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