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Part of the LoanStar Title Loans chain · locations
Loanstar Title Loans in Manor, TX
Manor, TX residents can visit Loanstar Title Loans at 10804 US-290 for quick title loans and payday cash advances with flexible repayment options.
Data compiled from public sources · Rating from CreditDoc methodology
Loanstar Title Loans Review
Loanstar Title Loans in Manor, TX is located at 10804 US-290, offering convenient access to title loan services from a standalone storefront. This Manor location welcomes customers Monday through Friday from 10:00 AM to 6:00 PM, and Saturday from 9:00 AM to 2:00 PM. Sundays are closed, so plan your visit during the week if that works best for your schedule.
At this Manor, TX branch, Loanstar Title Loans specializes in title loans and payday advances designed for quick cash needs. The team can be reached directly at +1 512-272-4336 to discuss loan options, terms, and what documents you'll need to bring. Whether you need funds for an unexpected expense or short-term cash flow, the staff is ready to help.
Manor residents can rely on Loanstar Title Loans for fast approval and flexible lending when traditional banks aren't an option. Bring a valid government-issued ID, proof of residence, and your vehicle title if applying for a title loan. Loanstar Title Loans has been serving the Texas lending market with straightforward terms and local support.
Services & Features
Auto title loans up to $10,000
Bilingual service (Spanish available—'ES' option on website)
Cash loans secured by vehicle equity
Cash, check, debit card, and Western Union payment acceptance
Customer service via toll-free phone line (877-511-CASH)
In-person loan applications at physical locations
Multiple installment payment plans
OCCC-compliant disclosures and fee schedules
Online account registration and login
Online payment processing
Photo ID and vehicle title verification
Single installment loan options
Feature Checklist
Mobile App
Online Portal
Score Tracking
Credit Education
Personal Advisor
Identity Theft Protection
Pros & Cons
Pros
- Loans up to $10,000 available, higher than typical payday loans
- Multiple locations in Fort Worth area (5 nearby locations within 15 miles)
- Clear vehicle title is only collateral requirement—no credit check mentioned
- Accepts multiple payment methods including cash, check, debit card, and Western Union
- Published fee schedules available for $600, $1,200, and $2,000 loans with multiple/single installment options
- Extended operating hours including Saturday service (9 AM–3 PM depending on location)
- 25+ year operating history established since 1990
Cons
- Title loans are high-cost debt with significant fees and interest rates (specific APRs not disclosed on main website)
- Vehicle repossession risk if loan is not repaid, as title serves as collateral
- Limited to vehicle owners with clear titles—excludes those without vehicles or with outstanding liens
- Only operates in Texas and select other states—geographic limitation
- No mention of flexible payment plans, hardship options, or loan forgiveness programs
Rating Breakdown
Value 2.0
Effectiveness 1.5
Customer Service 2.2
Transparency 2.0
Ease of Use 3.9
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Frequently Asked Questions
Is Loanstar Title Loans legitimate?
Yes. Loanstar Title Loans is a registered company, headquartered in 10804 US-290, Manor, TX 78653.
Quick Facts
- Headquarters
- 10804 US-290, Manor, TX 78653
- 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 vehicle owners with clear title who need $1,000–$10,000 in emergency cash quickly and have no access to traditional credit. The primary caveat is that title loans carry high costs and significant default risk—failure to repay can result in immediate vehicle repossession, making this a last-resort option suitable only when other emergency funding sources are unavailable.
Best For
- Vehicle owners facing immediate cash emergencies who have clear title to their car
- Borrowers with poor credit history who cannot qualify for traditional personal loans
- People needing $2,000–$10,000 quickly without lengthy application processes
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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