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Here you can find frequently asked questions by our customers. If you don’t find the answer, don’t hesitate to contact us!

What are car title loans?

Car title loans are secured loans where borrowers use their vehicle title as a collateral.

How do car title loans work?

By using your car title as collateral, you can get approved for a loan of $2,600 to $20,000 from Montana Capital Car Title Loans, depending on the value of your car, your ability to repay the loan and other criteria. Once the loan is paid off, the title returns to you. Find out more about how title loans work.

How much money can I get by taking a car title loan?

Our loans range from $2,600 to $20,000, mainly depending on your car’s value, your needs and your ability to repay the loan. Use our Online Form to apply for a title loan.

Are car title loans legal?

Car title loans are legal in California. Lenders must hold a finance lenders license issued by the California Department of Business Oversight. Call us (888) 700-8900 to find out more.

What is the interest rate of title loans?

Our interest rates vary according to specific criteria, but we offer very competitive rates. Apply online or give us a call to find out more.

Why is an Auto Title Loan better than a payday loan?

As opposed to payday loans, which are short term loans that offer a small amount of money, title loans can be payed over a longer period, and the amount you can get is substantially higher. Another advantage is that if you make the car title loans payment on time, after the final payment you will owe nothing. Payday loans, however, start over every time you take a new loan.

Who regulates car title loans?

The California Department of Business Oversight oversees all lenders in California. Call us for more information.

Why Choose Title Loans Over Bank Loans?

While traditional bank loans can be a good option for some people, many people prefer the ease and convenience of title loans. Traditional banks loans can be hard to get, as most banks have a lengthy approval process that requires a good credit score. Unlike bank loans, title loans have an easy approval process and many times, you can be approved and walk out with cash in your hands on the same day!

Some of the reasons to consider title loans with Montana Capital:

  • Approval process is easy and there are few requirements needed for approval.
  • The application process is completely free of charge!
  • We don’t base your approval solely on your credit score

For more information, read the article Why choose title loans over bank loans?.

How do I apply?

Call 1-888-700-8900. Or feel free to fill out our online application.

Where can I find a Montana Capital Car Title Loans branch near me?

There are multiple locations in many cities in California, such as Montana Capital Car Title Loans Los Angeles, locations page.

How soon will I get my check?

It usually takes an hour or so, provided that you bring all the necessary documents. In some cases it may take longer.

Do I have to go to the DMV?

In most cases we can take care of the DMV paperwork. Just bring over the title, and let our experienced staff do all the work.

Do title loans affect your credit?

Those interested in this option often ask “do title loans affect your credit?” and we are happy to answer that as long as you make all your payments properly and do not default on the loan, the title loan will not hurt your credit whatsoever.

Read more about the affect of title loans on your credit.

Can I pawn my car and still drive it?

Are you in need of some cash and thinking of pawning your car? Montana Capital offers car title pawn loans in which you use your vehicle as collateral and still get to keep driving your car. Read more about pawning your car and still drive it.

Can I apply online?

Of course! Online Title Loans are the latest way for you to get fast and easy cash on your vehicle. Many times in life you find yourself in a rough financial situation, and in need of some emergency cash. Online title loans can provide you with some financial relief.

You have two options to get started on your loan application process:

Give Montana Capital Car Title Loans a call at 888-700-8900! Speaking to our loan agents is always a great way to start your loan application. Our team will walk you through the entire loan process, so you won’t have to worry about anything you’re not sure of. Start the online application! If you decide to apply for a title loan online, you will need to send all the documents directly through our online portal. Our loan agents will stand by if you have any questions along the way.

With Montana Capital’s simple online loan process, any person can get a title loan quote in just a few minutes! Using your mobile phone or computer, just submit your basic personal information and your vehicle’s information. Once the online application form is complete, our automated system will let you know if you are pre-approved for a title loan. You can continue the online process by following the instructions on our user-friendly interface to upload photos of your vehicle, as well as your driver’s license and your vehicle’s title. One of our loan specialists will be contacting you with your loan offer and terms. Lastly, you can stop by at any FedEx location near you to drop off the vehicle’s title. We will even send you the FedEx shipping label for your convenience!

When we have confirmed the vehicle’s title has been sent out, we will transfer you the money, either by direct deposit or through MoneyGram.

If you want to take advantage of online title loans, Montana Capital Car Title Loans is your best bet. As long as you have a vehicle, a clear vehicle title under your name, and the required documents, you can complete your title loan process completely online!

* In some cases you may be required to stop by one of our GPS Centers so we can install a tracking device in your vehicle, free of charge.

Does it cost money to apply for a car title loan?

Contrary to some other financial institutions, Montana Capital will not charge fees when you apply for a title loan.

Read more about “does it cost money to apply for a car title loan?”

When can I apply for another title loan?

Once you finished your car title loan, you can go ahead and apply for a new loan right away.

Can I increase the amount of my car title loan?

You are most definitely able to ask to increase your title loan amount! This is called a refinance. In simple terms, refinancing is the replacement of an existing loan with a new loan, usually with a higher amount.

What are the requirements for getting a car title loan?

To apply for a car title loan, you will need to provide a car title, proof of ability to repay the loan, ID, proof of income and expenses, and sometimes also car insurance. You might be asked to present additional documents.

Read about the complete title loan requirements.

Must I have a job to get approved?

No. Being unemployed doesn’t necessarily mean you can’t get approved for a title loan. If you can prove your ability to repay the loan and meet our credit criteria, there’s a good chance we’ll approve the loan.

Read more about title loans for unemployed.

Can I keep my car while paying the loan back?

Yes, you can continue to drive your car as usual. When your loan is completely repaid, you will receive your car title back.

Title loans when the car is not paid off

Montana Capital Car Title Loans can help you pay off your car. Call us for more information about this.

I have bad credit – does this make me ineligible for a car title loan?

No! It is possible to get approved for a title loan from Montana Capital even if you have bad credit or not credit at all. Give us a call or use the online form to apply.

I don’t have a car title. Can you help?

Yes, we might be able to help you with that. Call us and we will be glad to provide more information about this situation.

Can I get approved for a loan even without a bank account?

You certainly can. Having a bank account is not a mandatory part in our process. To find out more, simply give us a call at 800-700-8900.

Am I disqualified if I don’t have a California car title?

No problem. We will help you to get one quickly.

What should I do if my registration is past due?

Our office may be able to issue an up-to-date registration for you. Call us for more information about this.

What should I do if I don’t have insurance?

We will help you to find insurance that will fit you best.

I took a title loan from another company. Can I still apply at Montana Capital?

Yes, you can apply for a title loan at Montana Capital even if already took a loan from one of our competitors. There’s a good chance we can help you pay off the existing loan and give you a new one with great rates.

How do I pay for my car title loan?

You have several payment options: online payments, phone payment, Cash and Check / Money order. Find out more in our How to Pay page.

How long do I have to repay the loan?

We usually require the loan to be repaid in 36 months, but we can create a more flexible time frame if necessary.

Do you allow early repayment?

Yes! We welcome early repayments with no penalty fees.

Are there any hidden fees?

There are no hidden fees. Our agents will explain everything you need to know while taking the loan, so there will be no surprises afterwards.

When is the first payment due?

The first payment is usually due 30 days from the contract date.

Why choose Montana Capital Car Title Loans?

For more than a decade, Montana Capital Car Title Loans has been helping customers by providing title loans with very competitive rates. Montana Capital takes pride in its great customer service and support, which makes us one of the most valued car title loans company in California. Read more about Montana Capital Car Title Loans.

How long have you been providing car title loans?

Montana Capital was established in 2007, and since then served thousands of satisfied customers. Find out more information about Montana Capital Car Title Loans.

Where can I find Montana Capital locations?

Montana Capital has locations across California. Find the nearest one in our locations finder.

What measures do you take to protect my personal information?

We take extreme measures and work with industry leading protocols to protect your personal information.

About car title loans

What are car title loans?

Car title loans are secured loans where borrowers use their vehicle title as a collateral.

How do car title loans work?

Car title loans are secured loans where borrowers use their vehicle title as a collateral.

How much money can I get by taking a car title loan?

Car title loans are secured loans where borrowers use their vehicle title as a collateral.

Are car title loans legal?

Car title loans are secured loans where borrowers use their vehicle title as a collateral.

What is the interest rate of title loans?

Car title loans are secured loans where borrowers use their vehicle title as a collateral.

Why is an Auto Title Loan better than a payday loan?

Car title loans are secured loans where borrowers use their vehicle title as a collateral.

Who regulates car title loans?

Car title loans are secured loans where borrowers use their vehicle title as a collateral.

Why Choose Title Loans Over Bank Loans?

Car title loans are secured loans where borrowers use their vehicle title as a collateral.

Process

How do I apply?

Call 1-888-700-8900 or feel free to fill out our online application.

Where can I find a Montana Capital Car Title Loans branch near me?

There are multiple locations in many cities in California, such as Montana Capital Car Title Loans Los Angeles, Montana Capital Car Title Loans Anaheim and more. For additional locations visit our locations page.

How soon will I get my check?

It usually takes an hour or so, provided that you bring all the necessary documents. In some cases it may take longer.

Do I have to go to the DMV?

In most cases we can take care of the DMV paperwork. Just bring over the title, and let our experienced staff do all the work.

Do title loans affect your credit?

Those interested in this option often ask “do title loans affect your credit?” and we are happy to answer that as long as you make all your payments properly and do not default on the loan, the title loan will not hurt your credit whatsoever.

Read more about the affect of title loans on your credit.

Can I pawn my car and still drive it?

Are you in need of some cash and thinking of pawning your car? Montana Capital offers car title pawn loans in which you use your vehicle as collateral and still get to keep driving your car. Read more about pawning your car and still drive it.

Can I apply online?

Of course! Online Title Loans are the latest way for you to get fast and easy cash on your vehicle. Many times in life you find yourself in a rough financial situation, and in need of some emergency cash. Online title loans can provide you with some financial relief.

You have two options to get started on your loan application process:

Give Montana Capital Car Title Loans a call at 888-700-8900! Speaking to our loan agents is always a great way to start your loan application. Our team will walk you through the entire loan process, so you won’t have to worry about anything you’re not sure of. Start the online application! If you decide to apply for a title loan online, you will need to send all the documents directly through our online portal. Our loan agents will stand by if you have any questions along the way.

With Montana Capital’s simple online loan process, any person can get a title loan quote in just a few minutes! Using your mobile phone or computer, just submit your basic personal information and your vehicle’s information. Once the online application form is complete, our automated system will let you know if you are pre-approved for a title loan. You can continue the online process by following the instructions on our user-friendly interface to upload photos of your vehicle, as well as your driver’s license and your vehicle’s title. One of our loan specialists will be contacting you with your loan offer and terms. Lastly, you can stop by at any FedEx location near you to drop off the vehicle’s title. We will even send you the FedEx shipping label for your convenience!

When we have confirmed the vehicle’s title has been sent out, we will transfer you the money, either by direct deposit or through MoneyGram.

If you want to take advantage of online title loans, Montana Capital Car Title Loans is your best bet. As long as you have a vehicle, a clear vehicle title under your name, and the required documents, you can complete your title loan process completely online!

* In some cases you may be required to stop by one of our GPS Centers so we can install a tracking device in your vehicle, free of charge.

Does it cost money to apply for a car title loan?

Contrary to some other financial institutions, Montana Capital will not charge fees when you apply for a title loan.

Read more about “does it cost money to apply for a car title loan?

When can I apply for another title loan?

Once you finished your car title loan, you can go ahead and apply for a new loan right away.

Can I increase the amount of my car title loan?

You are most definitely able to ask to increase your title loan amount! This is called a refinance. In simple terms, refinancing is the replacement of an existing loan with a new loan, usually with a higher amount.

Requirements

What are the requirements for getting a car title loan?

To apply for a car title loan, you will need to provide a car title, proof of ability to repay the loan, ID, proof of income and expenses, and sometimes also car insurance. You might be asked to present additional documents.

Read about the complete title loan requirements.

Must I have a job to get approved?

No. Being unemployed doesn’t necessarily mean you can’t get approved for a title loan. If you can prove your ability to repay the loan and meet our credit criteria, there’s a good chance we’ll approve the loan.

Read more about title loans for unemployed.

Can I keep my car while paying the loan back?

Yes, you can continue to drive your car as usual. When your loan is completely repaid, you will receive your car title back.

Title loans when the car is not paid off

Montana Capital Car Title Loans can help you pay off your car. Call us for more information about this.

I have bad credit – does this make me ineligible for a car title loan?

No! It is possible to get approved for a title loan from Montana Capital even if you have bad credit or not credit at all. Give us a call or use the online form to apply.

I don’t have a car title. Can you help?

Yes, we might be able to help you with that. Call us and we will be glad to provide more information about this situation.

Can I get approved for a loan even without a bank account?

You certainly can. Having a bank account is not a mandatory part in our process. To find out more, simply give us a call at 800-700-8900.

Am I disqualified if I don’t have a California car title?

No problem. We will help you to get one quickly.

What should I do if my registration is past due?

Our office may be able to issue an up-to-date registration for you. Call us for more information about this.

What should I do if I don’t have insurance?

We will help you to find insurance that will fit you best.

I took a title loan from another company. Can I still apply at Montana Capital?

Yes, you can apply for a title loan at Montana Capital even if already took a loan from one of our competitors. There’s a good chance we can help you pay off the existing loan and give you a new one with great rates.

Payments

How do I pay for my car title loan?

You have several payment options: online payments, phone payment, Cash and Check / Money order. Find out more in our How to Pay page.

How long do I have to repay the loan?

We usually require the loan to be repaid in 36 months, but we can create a more flexible time frame if necessary.

Do you allow early repayment?

Yes! We welcome early repayments with no penalty fees.

Are there any hidden fees??

There are no hidden fees. Our agents will explain everything you need to know while taking the loan, so there will be no surprises afterwards.

When is the first payment due?

The first payment is usually due 30 days from the contract date.

About Montana Capital

Why choose Montana Capital Car Title Loans?

For more than a decade, Montana Capital Car Title Loans has been helping customers by providing title loans with very competitive rates. Montana Capital takes pride in its great customer service and support, which makes us one of the most valued car title loans company in California. Read more about Montana Capital Car Title Loans.

How long have you been providing car title loans?

Montana Capital was established in 2007, and since then served thousands of satisfied customers. Find out more information about Montana Capital Car Title Loans.

Where can I find Montana Capital locations?

Montana Capital has locations across California. Find the nearest one in our locations finder.

What measures do you take to protect my personal information?

We take extreme measures and work with industry leading protocols to protect your personal information.

Need a title loan?
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