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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!

About car title loans

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

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.

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.

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.

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.

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.

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

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?”.


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

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

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

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.

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.

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.

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:

  1. 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.
  2. 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.

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?”

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

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.


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.

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.

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

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

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.

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

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.

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

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

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

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.


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

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

Yes! We welcome early repayments with no penalty 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.

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

About Montana Capital

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.

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

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

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

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