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 Mesquite, TX
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Mesquite, TX Loanstar Title Loans location at 3639 Gus Thomasson Rd provides quick title loans with same-day funding.
Data compiled from public sources
Loanstar Title Loans Review
Loanstar Title Loans' Mesquite, TX location sits at 3639 Gus Thomasson Rd, providing convenient title loan services to residents across the area. The Mesquite storefront is open Monday through Friday from 10 AM to 6 PM, and Saturday 9 AM to 2 PM, ensuring flexible access for busy borrowers. This standalone Mesquite branch handles walk-ins and phone inquiries from customers throughout the community.
At this Mesquite location, Loanstar Title Loans staff context offer title-backed loans designed for application-timing claims and funding. Whether you are researching emergency-cash options or temporary financing, the team here understands the urgency typical borrowers face. Call 972-279-1386 for instant answers about loan rates, terms, and the application process at this Mesquite storefront.
Bring a valid photo ID, proof of income, and your vehicle's title when visiting the Mesquite location to start your application. Most applicants at this Mesquite storefront complete the process in 30–60 minutes, with funding available within 24 hours for qualifying borrowers. short-term cash access for unexpected expenses is what draws Mesquite residents to this location repeatedly.
Services & Features
Car title loans (auto title loans)
Cash loans on vehicle equity
Cash, check, and debit card payment acceptance
In-person loan processing at Texas branch locations
Loans up to $10,000
Multi-location Fort Worth metro network
Multiple-installment title loan option
Online payment portal
Publicly disclosed fee schedules for common loan amounts ($600, $1,200, $2,000)
Single-installment title loan option
Toll-free customer service line (877-511-CASH)
Western Union payment acceptance
Feature Checklist
Mobile App
Online Portal
Score Tracking
Credit Education
Personal Advisor
Identity Theft Protection
Pros & Cons
Pros
- Loans up to $10,000 — higher ceiling than typical payday or small-dollar lenders
- Founded 1990 with over 35 years of operating history
- Simple 3-item qualification: vehicle, photo ID, clear title — eligibility claim to verify
- Accepts multiple payment methods: cash, check, debit card, and Western Union
- Multiple Fort Worth-area branch locations for in-person convenience
- Saturday hours available (9AM–2PM) at all listed Texas branches
- Regulated by Texas OCCC with publicly linked fee schedules for $600, $1,200, and $2,000 loan amounts
Cons
- Vehicle repossession risk if loan is not repaid — borrower's transportation is the collateral
- APR not displayed on location pages; requires clicking through separate fee schedule disclosures to calculate true cost
- Title loans in Texas typically carry very high annualized rates (often 200%+)
- Texas-only brick-and-mortar footprint — no service outside Texas
- Website copy (e.g., '25 years') appears outdated, raising questions about how current other information is
Compare Personal Loan Options
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State Consumer Finance Context
This is state-level context for Emergency Cash consumers in Mesquite, 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 12 services including Car title loans (auto title loans), Cash loans on vehicle equity, Single-installment title loan option, Multiple-installment title loan option, Loans up to $10,000, and 7 more.
What profile signals are listed for Loanstar Title Loans?
Loanstar Title Loans has profile signals associated with Texas residents who own their vehicle outright and are researching short-term cash access up to $10,000, Borrowers with poor or no credit who cannot qualify for unsecured personal loans, People facing a short-term financial emergency with a clear repayment plan in place, Borrowers near a Fort Worth or DFW-area LoanStar branch who prefer in-person service.
What are the strengths and weaknesses of Loanstar Title Loans?
Key strengths: Loans up to $10,000 — higher ceiling than typical payday or small-dollar lenders; Founded 1990 with over 35 years of operating history; Simple 3-item qualification: vehicle, photo ID, clear title — eligibility claim to verify. Areas to consider: Vehicle repossession risk if loan is not repaid — borrower's transportation is the collateral; APR not displayed on location pages; requires clicking through separate fee schedule disclosures to calculate true cost.
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
- 3639 Gus Thomasson Rd, Mesquite, TX 75150
- BBB Accredited
- No
CreditDoc Profile Note
Research Note on Loanstar Title Loans
LoanStar Title Loans is best suited for Texas vehicle owners who are researching short-term cash access and have exhausted lower-cost options — the simple qualification and up to $10,000 limit are genuine advantages. The main caveat is that title loans are high-cost secured debt: APRs are rarely below 100% annualized, and default means losing your car. Always calculate the total repayment cost using the linked fee schedules before borrowing.
Profile Signals
- Texas residents who own their vehicle outright and are researching short-term cash access up to $10,000
- Borrowers with poor or no credit who cannot qualify for unsecured personal loans
- People facing a short-term financial emergency with a clear repayment plan in place
- Borrowers near a Fort Worth or DFW-area LoanStar branch who prefer in-person service
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
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Quick Summary
- Loanstar Title Loans is listed as a Emergency Cash provider in Mesquite, 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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