Loan Star Lending

What Loan Star Lending does

Loan Star Lending is a Texas-based online lender operating under parent entity Decorus Investments, LLC, offering short-term installment loans to Texas residents. The company markets two products: a standard Installment Loan ranging from $250 to $750 with terms up to 180 days and APRs between 578.75% and 680.19%, and an Installment Loan with Payroll Deduction that offers lower APRs and repays via automatic paycheck deductions, available only to employees of participating employers. The technology stack centers on a 100% online application platform with 256-bit SSL encryption, an automated underwriting system that returns credit decisions within approximately 30 seconds, and direct integrations with employer payroll systems for the payroll deduction variant. Funds are deposited directly into borrowers' checking accounts within 1–2 business days of approval.

The business model is a pure transaction-fee revenue model: Loan Star Lending earns interest and fees on each installment loan originated, with payments scheduled to match the borrower's payday cycle. Distribution is fully self-serve and digital — there are no physical storefronts — and customer acquisition is driven by the company website and an SEO-focused blog covering Texas-specific financial topics such as credit building in Houston and bad credit loan options. The company is licensed and regulated by the Texas Office of Consumer Credit Commissioner (OCCC), operates exclusively within Texas, and has publicly stated intent to expand into additional states and product lines, though no specific roadmap, timeline, or external funding has been disclosed. The company has between 11 and 50 employees and was founded in 2015.

Loan Star Lending is privately held with no disclosed institutional investors, no management team bios in the source material, and no public revenue figures. Customer service is reachable via the [email protected] email channel, and the business is operated as a brand under Decorus Investments, LLC, which handles loan servicing, payroll deduction processing, and customer data management while third-party lenders provide loan funding. The customer base is concentrated entirely in Texas and skews toward borrowers with limited access to traditional bank credit who need emergency cash.

Name

Loan Star Lending

Legal name

Decorus Investments, LLC

Website

https://loanstarlending.com

Company type

Private

Founded year

2015

Operating status

Operating

Headcount range

11–50 employees

Short description

Loan Star Lending is a Texas-based online installment lender operating under Decorus Investments, LLC, offering $250–$750 short-term loans with 30-second automated credit decisions to Texas residents, including a payroll deduction variant for employees of participating employers.

Ownership category

akta.pro rank

Product category

Short-term Consumer Installment Lending

NAICS

Mortgage and Nonmortgage Loan Brokers (52231), Credit Intermediation and Related Activities (522)

SIC

Personal Credit Institutions (6141), Loan Brokers (6163)

akta.pro primary industry

Small-Dollar Short-Term Installment Loans (Non-payday) (FSAKAMAI)

akta.pro secondary industries

Salary-Backed / Payroll-Deducted Secured Loans (FSAKALAI), Emergency & Short-Term Installment Personal Loans (Unsecured) (FSAKAAAH)

Keywords

• Consumer installment loans
• Short-term lending
• Online lending platform
• Payroll deduction loans
• Emergency cash loans

Headquarters

HQ city

Dallas

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Others

Revenue model

1. Installment Loan Interest and Fees: LoanStar Lending generates revenue through interest charges and fees on short-term installment loans. Loan amounts range from $250-$750 with APRs ranging from 578.75% to 680.19%. Maximum loan term is 180 days. Revenue is earned through periodic payment installments matched to borrower's payday schedule.

Pricing tiers

Go-to-market motion2 records

Distribution channels1 record

Marketing channels3 records

Core offering

Loan Star Lending is a Texas-licensed online lender that issues short-term installment loans ranging from $250 to $750 with maximum terms of 180 days and APRs between 578.75% and 680.19%. The platform is 100% online, delivers credit decisions in approximately 30 seconds, and offers a differentiated payroll deduction variant that connects to participating employers for automated repayment at lower APRs.

Product overview

Loan Star Lending, powered by Decorus Investments, LLC, operates as a Texas-based online lending platform offering two distinct installment loan products. The core Installment Loan provides loan amounts of $250 to $750 with terms up to 180 days. The Installment Loan with Payroll Deduction is a specialized variant that offers lower APRs and repays automatically through payroll deductions, available only to eligible Texas residents employed by participating employers. Both products are 100% online with fast approval and funding, targeting consumers with short-term financial emergencies.

Differentiator

Problem solved

Functional benefit

Products and services

• Installment Loan Short-term installment loan for Texas residents needing quick emergency cash; loan amounts $250–$750, maximum 180-day term, APRs from 578.75% to 680.19%, credit decisions typically within 30 seconds, funds sent same day once approved.
• Installment Loan with Payroll Deduction Installment loan repaid via automatic deductions from the borrower's paycheck, available only to eligible Texas residents working for participating employers; offers lower APRs than the standard installment loan and deposits funds within 1–2 business days once approved.

Quantifiable outcome

• Credit decisions made within 30 seconds
• +1 more outcomes

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

One partnership is on record.

• Decorus Investments, LLCcoreOthersDecorus Investments, LLC is the parent organization that powers LoanStarLending. It is a state-registered organization facilitating and arranging convenient loan options in Texas. Decorus Investments handles loan servicing, payroll deduction processing, and customer data management. Loans are made by unaffiliated third-party lenders.

Scale indicators1 record

Recent moves5 records

Expansion highlights4 records

Direct peers

• OppLoans (OppFi): OppFi is a subprime online installment lender offering $500-$5,000 loans with automated underwriting — directly comparable to Loan Star on target customer, online distribution, and short-term installment structure, but at higher ticket sizes.
• Speedy Cash: Speedy Cash is a direct competitor offering short-term installment and payday loans in Texas and across the U.S., with overlapping small-dollar loan sizes and online origination — directly comparable product, customer, and regulatory footprint to Loan Star Lending.
• Check Into Cash: Check Into Cash provides payday and online installment loans in Texas with similar small-dollar, short-term structures and a multichannel (online + retail) distribution model, making it a close competitor for Loan Star's subprime borrower base.
• Ace Cash Express: Ace Cash Express is an established Texas-licensed installment and payday lender offering similar $250-$1,500 small-dollar installment products, directly competing with Loan Star in the same regulatory and customer segment.
• CashNetUSA (Enova International): CashNetUSA, owned by Enova, is an online-only installment and payday lender operating across multiple U.S. states including Texas, with comparable product sizes, automated underwriting, and a similar subprime direct-to-consumer funnel.
• World Finance: World Finance operates a national installment loan business with branch and online presence serving subprime borrowers — similar small-dollar installment product, regulatory exposure, and customer profile to Loan Star Lending.

Broad incumbents

• Elevate Credit (Rise / Elastic): Elevate Credit operated online non-prime consumer lending products (Rise installment loans, Elastic line of credit) at much larger scale — a broader incumbent with overlapping product economics, online distribution, and subprime target customer.

Emerging players

• Lendly: Lendly partners with employers to offer credit-builder loans repaid via payroll deduction — a near-identical business model to Loan Star's payroll-deduction installment variant, making it a direct emerging competitor in that sub-channel.
• Dave: Dave is an earned-wage-access and small-dollar cash advance fintech targeting the same emergency-cash, subprime segment as Loan Star, representing a digital-native, lower-cost substitute that competes for Loan Star's end-user.
• Possible Finance: Possible Finance is a fintech offering small-dollar installment loans to subprime borrowers via a mobile-first, automated underwriting model — closely comparable technology stack and customer segment, though with a longer-term product orientation than Loan Star's 180-day ceiling.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights5 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Loan Star Lending