Loanstar Title Loans
Title loans · 1712 W Howard Ln, Idyle Hour Acres
★ 4.7 · 217 ratingsHours listed
Should you go here?
Average reviews, but the loan itself is expensive.
Its share of bad reviews is about average for Austin. The risk is the product: fees are high and your car is the collateral. Compare a cheaper option first.
217 ratings. Known for fast service. Known for explaining the terms clearly. Complaints go unanswered.
of its written reviews are 1–2★, a lower share than at 56% of Austin stores.
In fees on a $1,000 loan, at the Austin area average. Texas sets no cap on these fees.
Title-loan cars in the Austin area were repossessed last quarter (OCCC, Q2 2026).
Loan stores in Texas need an OCCC licence for each location. Check this one before you sign.
From ratings and written reviews of this store, state fee data (OCCC, Q2 2026) and the chain’s own website. Checked September 2026. We don’t lend and no store pays us.
How it compares
Against every loan store in Austin.
Rating
4.7Higher than 52% of Austin loan stores. City average is 4.3.
Lowest rated in AustinHighest
Bad reviews (1–2★), share of written reviews
Bad reviews by year · 6% in 2026
What borrowers say
- Ask for Janet or Henry
- Known for fast service
- Known for explaining the terms clearly
- Complaints go unanswered
Counted in 154 written reviews. Bars: mentions per 100.
What borrowers appreciate
What to watch for
Complaints are counts only.
Work out what you’d repay
Title lenders in the Austin area report an average fee of $18.94 per $100 for 30 days (OCCC, Q2 2026). Texas sets no cap on these fees, so ask this store for its own.
I want to borrow
and pay it back
You’d pay in total
$1,189
$1,000 you borrowed$189 in fees
Paid back in one go after about a month. If you can’t pay, renewing costs another $189 each month and doesn’t reduce what you owe.
Before you go
What to take, and what to ask before you sign.
Bring these
Who they lend to
- Income from benefits or retirement counts
At the store
Walk in, no appointment · Wheelchair access · Apply online first
From loanstartitleloans.net, checked September 2026
Ask these at the counter
- 1
What is the total I’ll repay, in dollars, and when?
Borrowers here mention: known for explaining the terms clearly.
- 2
What happens if I’m late?
Ask how many days before they can take the car.
- 3
Can I pay it off early, and is there a fee?
Texas law says your contract must allow early payoff with no penalty. Ask them to confirm.
Car title loans in Texas: how they work, your rights, how to get out →
Check the licence: OCCC licence search or call 800-538-1579.
Need $1,000 for 3 months? A credit-union loan could save you about $501.
A Payday Alternative Loan (PAL) from a federal credit union is $200–$2,000, repaid over 1–12 months, capped at 28% a year plus a $20 fee at most. You usually join the credit union first, which can take a day.
Nearby alternatives
The closest real storefronts — at least two take a different route. Numbers match the map.
Been to Loanstar Title Loans?
Tell other borrowers what it was like. We read every review before it goes up, good or bad.
Write a reviewIn borrowers’ own words
- “Bobbie Jo is a great employee and made the process quick and simple.”
- “It amazing how much she help me with paperwork and explaining to me about the loan thank you ☺️☺️☺️☺️🥰🥰”
Short lines from 4–5★ written reviews of this store. Complaints are counted above, never quoted.
About this lender
Title loans.
Part of a chain: Loanstar Title Loans has 33 locations across the Texas cities we cover — Houston (15), San Antonio (6), Fort Worth (3), McAllen (3), El Paso (2), Corpus Christi (2), Brownsville (1), Austin (1). See the Loanstar Title Loans brand page.