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 San Antonio, TX
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San Antonio, TX — Loanstar Title Loans at 6825 US Hwy 87 E Suite B offers title loans with convenient hours including Saturday.
Data compiled from public sources
Loanstar Title Loans Review
Located at 6825 US Hwy 87 E Suite B in San Antonio, TX, this Loanstar Title Loans storefront sits on the east side of the city along Highway 87. The location operates as a standalone lender facility open Monday–Friday from 10AM–6PM, and Saturday from 9AM–2PM. It's easily accessible for San Antonio residents seeking title-loan profile details or payday advances.
At this San Antonio branch, Loanstar Title Loans specializes in title-secured loans and payday advances, providing fast funding for customers in immediate financial need. Reach the location directly at +1 210-305-5234 to discuss your loan options and current terms.
Whether you are researching emergency-cash options or are considering a title loan on your vehicle, the staff at this San Antonio location can walk you through the process. Bring a valid photo ID, proof of income, and your vehicle title if applying for a title loan. Open Saturday mornings from 9AM–2PM for weekend convenience, this location serves the surrounding San Antonio community.
Services & Features
Auto title loans up to $10,000
Cash payment acceptance
Check payment acceptance
Debit card payment processing
Multiple installment payment plans
Online account login and registration
Online bill payment portal
Photo ID verification
Same-location loan funding
Single installment payment option
Vehicle title appraisal and processing
Western Union payment method
Feature Checklist
Mobile App
Online Portal
Score Tracking
Credit Education
Personal Advisor
Identity Theft Protection
Pros & Cons
Pros
- Up to $10,000 loan amounts—higher than typical payday loans
- Multiple DFW-area locations for convenient in-person service
- Quick application process requiring only vehicle, photo ID, and title
- Multiple payment methods accepted (cash, check, debit card, Western Union)
- 25+ years of operating history since 1990 founding
- Published fee schedules and OCCC regulatory disclosures available
- Online account access and bill payment capability
Cons
- Vehicle title must be pledged as collateral—repossession risk on default
- No interest rates or APR amounts displayed on public website pages
- Fee disclosure documents require external links; specific costs not listed upfront
- Website navigation issues (404 error on secondary pages) suggest incomplete information
- Title loans typically carry high effective interest rates compared to personal loans
Compare Personal Loan Options
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State Consumer Finance Context
This is state-level context for Emergency Cash consumers in San Antonio, 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 Auto title loans up to $10,000, Single installment payment option, Multiple installment payment plans, Cash payment acceptance, Check payment acceptance, and 7 more.
What profile signals are listed for Loanstar Title Loans?
Loanstar Title Loans has profile signals associated with Vehicle owners facing genuine emergencies needing $1,000–$10,000 in cash, Borrowers who own their car outright with a clear title and need rapid funding, Consumers in the Fort Worth/Dallas area with poor credit who can't qualify for traditional loans.
What are the strengths and weaknesses of Loanstar Title Loans?
Key strengths: Up to $10,000 loan amounts—higher than typical payday loans; Multiple DFW-area locations for convenient in-person service; Quick application process requiring only vehicle, photo ID, and title. Areas to consider: Vehicle title must be pledged as collateral—repossession risk on default; No interest rates or APR amounts displayed on public website 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
- 6825 US Hwy 87 E Suite B, San Antonio, TX 78263
- BBB Accredited
- No
CreditDoc Profile Note
Research Note on Loanstar Title Loans
LoanStar Title Loans is profile signals for vehicle owners in the Fort Worth area facing urgent expense context shortfalls who have already exhausted other options and can tolerate the risk of vehicle repossession. The critical caveat is that title loans are inherently high-risk debt products where your vehicle serves as collateral; explore personal loans, credit union PALs, or payday alternatives before committing to a title loan.
Profile Signals
- Vehicle owners facing genuine emergencies needing $1,000–$10,000 in cash
- Borrowers who own their car outright with a clear title and need rapid funding
- Consumers in the Fort Worth/Dallas area with poor credit who can't qualify for traditional loans
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 San Antonio, 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
Find contact or location Check phone, address, map, and website availability. Check specific services See whether the provider lists the help you need. Review fit context Use the quiz to compare category, service, and public-rating fields. Compare alternatives Review similar providers before making contact. Improve your position What Is a Good Credit Score and Why Your Tier Matters (2026) Learn the basics Start the free Credit Fundamentals course.
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 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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