Texas Star Title & Loans
Loan Rates
*Your Finance Charge shall vary based on your loan term, amount received & pay cycle.
**If your payment is in default for 10 or more days, you will owe a late fee of 5% of the payment amount (on the principal and interest only) or $7.50, whichever is greater. If your ACH debit or other payment device which you give as payment is returned for any reason, you will owe us a returned item fee of $30.00 (or the State Allowed Returned Item Fee, whichever is greater), plus any applicable taxes.
***This business is licensed and examined by the State of Texas - Office of Consumer Credit Commissioner (OCCC), a state agency. If a complaint or question cannot be resolved by contacting the business, consumers can contact the OCCC to file a complaint or ask a general credit-related question. OCCC address: 2601 N Lamar Blvd., Austin, Texas 78705. Phone: (800)538-1759, Fax: (512)936-7610. Website: www.occc.texas.gov, Email: consumer.complaints@occc.texas.gov
****An advance of money obtained through a cash advance or title loan is not intended to meet long-term financial needs: A cash advance or title loan should only be used to meet intermediate short-term cash needs. Refinancing the loan rather than paying the debt in full when due will require the payment of additional charges.*Calculations are based on 11 CSO Payments @ 30% of the Amount Financed for 154-day loan term or 5 CSO Payments @ 33% of the Amount Financed for 150-day loan term:
Finance Charge Schedule
The APR calculation is based on a loan with a 154-day term for the top section and a 150-day term for the bottom. CSO Fees are charged in the period in which we perform services as long as the loan is outstanding. For the top section, CSO fees are charged at 30% of the amount financed for each bi-weekly period (11 Payments). For the bottom section, your CSO fee will be charged at 33% of the amount financed for each monthly period (5 Payments). Your APR may be different if your loan term is not 154 or 150 days. The APR of your loan will be disclosed in the federal Truth-in-Lending Statement contained in your promissory note.
*THESE PRODUCTS ARE PAYDAY LOANS (Multiple CSO payments and Single Payment of Principle and Interest Loan.)
Finance Charge Schedule
The APR calculation is based on a loan with a 30-day term. Your APR may be different if your loan term is not 30 days. The APR of your loan will be disclosed in the federal Truth-In-Lending Statement contained in your promissory note.
In addition to the CAB Fee for Title Loans, a one-time $33.00 Lien Fee will be added and paid for by the customer in order to file the lien on the title. (The fee will be the rate the county charges for the location the loan is written in.)*Late Fee of the greater of 5% of the total payment amount or $7.50 if any payment is in default for a period not less than 10 days.
** This business is licensed and examined by the State of Texas- Office of Consumer Credit Commissioner. Call the Consumer Credit Hotline for credit information or assistance with credit problems.
(800) 538-1579
consumer.complaints@occc.texas.gov
occc.texas.gov
*** An Advance of money obtained through a cash advance or title loan is not intended to meet long-term financial needs. A cash advance or title loan should only be used to meet intermediate short-term cash needs. Refinancing the loan rather than paying the debt in full when due will require the payment of additional charges.
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