Yes, you can get auto title loans for any car despite the age of it. With Montana Capital you can get up to 70% of the value of your vehicle, even if it is over 10 years old.

A car’s value is more important than it’s age because it serves as collateral for a title loan.

Title loan lenders are concerned with the value of the car and a few other factors since that determines how much money you can qualify for and afford to pay back.

To qualify for an auto title loan, you must meet a few criteria:

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Getting a Title Loan With an Older Car – Montana Capital

The answer is yes; you can get old car title loans at Montana Capital Car Title Loans! The age of your vehicle isn’t a qualifying factor for approval. In fact, the older car title loan process is no different than a newer car’s. With us you can get up to $50,000 within 24 hours and keep driving your car, even if you have bad credit.

Our Title Loan Approval Factors:

Here are the factors that determine your ability to get an auto title loan with Montana Capital online.

Equity in Your Vehicle

First, we look at your asset—the equity in your vehicle. We use your car equity as collateral when providing an auto title loan.

Proof of Income

You will also need to provide proof of your ability to repay the loan. It is unlikely that you will be able to get a loan without income.

Credit History

Although we may pull your credit history, it may not determine our decision. Having poor credit does not automatically exclude you from receiving a loan.

How to Apply Online for Title Loans for an Old Car

To get an auto title loan online with Montana Capital, here are the steps you will take.

Apply today

If you’re at least 18 years of age and have no outstanding financing on your vehicle, call us now or complete the online application form.

Provide personal information

Provide information about yourself such as your government-issued photo ID, your ability to pay the loan, and the make, model, and year of your car on the application. 

Provide vehicle information

You’ll also provide the lien-free title in your name, the car’s mileage, VIN #, and detailed vehicle photographs in lieu of a formal vehicle inspection.

We’ll review the information same-day or the day after, depending on when you apply, to determine your approval eligibility and how much you may get.

How Much Can I Get for a Title Loan in Cash?

Our minimum loan amount is $500 and approved applicants can receive up to $50,000 as early as the same day. This number may vary depending on your proof of income and the monthly payment you can afford.

Title Loans for Older Cars Examples*

ExamplesFord Mustang 2002Chevrolet Camaro 2000
Vehicle Value$12,300$9,060
Title Loan Amount$6,000$5,000
Loan Term (Monthly)24 Mo.36 Mo.
Monthly Payment Amount$400$300
*Our repayment schedules don’t have prepayment penalties or hidden fees.

How Will My Older Car’s Value Be Assessed?

At our company, we assess every car using the same method to determine your loan amount for the loan against a car.

What Factors Will Affect Loans for Older Cars?

Make, model, and year

Older cars can be in excellent condition, which can help their value. If you have a classic car you’ve kept in mint condition, for example, it may be worth more than a car of the same make, model, and year that the owner didn’t maintain as well.

Car’s condition

Older cars can be in excellent condition, which can help their value. If you have a classic car you’ve kept in mint condition, for example, it may be worth more than a car of the same make, model, and year that the owner didn’t maintain as well.


The more miles a car has, the less it’s worth. We’ll compare the mileage to the car’s year to determine if the mileage is excessive for its age or average. Excessive mileage can mean more vehicle wear and tear, resulting in a lower value.

Assessing How Much Your Old Car Is Worth on Your Own

If you’re curious about your car’s current market value, you can use sites like Edmunds, Consumer Reports, and Kelley Blue Book to see the estimated value of your older car, especially if you’re looking for exotic or classic car title loans.

The value determined by each company may differ slightly from what you see online because title loan companies use your car as collateral. Other sites provide estimates that title loan companies might use as a reference. Therefore, the value is determined differently and will most likely be lower.

The key is to be honest about the car’s condition, mileage, and features to receive an accurate estimate of the car’s value.

Calculator to Estimate Your Car Title Loan

It’s important to know how much it will cost to get an auto title loan. We encourages you to use this title loan calculator to see the monthly payments, interest rate, and payment plan. You only need the loan amount, interest rate, and loan term to use it. This will help to make sure you get a loan that you can afford to repay. 


Can You Get Title Loans for Cars Older Than 10 Years of Age?

How Much Money Can You Get For a Car Older Than 10 Years?

What Is the Smallest Title Loan Amount Someone Can Receive?

The Bottom Line: You Can Get a Title Loan for Any Car, Despite How Old It Is

In most cases, getting approval for title loans for older cars won’t be a problem. Your car’s age will affect how much you can borrow along with other factors such as your income and ability to pay your loan. When you need a loan for a certain amount, make sure your car has enough value left for you to qualify.

Once you meet the requirements and have all the appropriate documents, you can drive out of there still driving your car with the satisfaction of getting the money you need.

Applying for title loan with us is easy and straightforward. Use your old car as collateral and receive your money by the next business day at the latest.

Short-Term Financing for People with Bad Credit

Even though title loans are riskier than traditional loans, they’re a good option for people with bad credit or those who are having an emergency. Auto title loans are meant to provide you with short-term financing so you can alleviate immediate cash needs. They should not be considered long-term solutions.

With an older car, you can get a title loan just as easily as with a newer car! Click here to apply online with Montana Capital Car Title Loans!

Written by Samantha Hawrylack

Written by

Samantha Hawrylack

Samantha Hawrylack writes for our company and is an expert in personal finance. Sam received her Bachelors of Science in Finance and her Masters in Business Administration from West Chester University of Pennsylvania. She began her career in the financial services industry and shifted to an entrepreneurial role where she could directly impact clients. Sam has an impressive background in personal finance and business management.