Title Loans Online - Fast & Easy

3 easy steps to get your cash:

Sign up form

Keep the keys, get the cash!

Pay loan, get title back

How much cash can i get

Find out now. It's fast, secure & free!

trust icons
Home > How Much Can I Get for a Title Loan on My Car

How Much Can I Get for a Title Loan on My Car

How much cash can i get

Find out now. It's fast, secure & free!

trust icons

If you want to know how much you can get for a title loan on your vehicle, it depends on a few factors – the biggest is your car’s value. Most title lenders offer borrowers between 25% to 50% of their vehicle’s value. This can be anywhere from a few hundred to a few thousand dollars. In fact, the FTC reports that lenders often charge a monthly finance fee of 25%, or an APR of 300%. That can really add up!

Montana Capital:

At Montana Capital Car Title Loans, we may be able to approve up to 70% of your car’s value, between $2,600 and $20,000. All you need to do is prove you can afford the payments and submit the required documentation. It’s that simple.

Apply Online to See How Much You Can Get:

A car title loan with Montana Capital allows you to borrow money from your vehicle’s value while staying in the driver’s seat. Apply online to see how much you can get. It is free, easy, and if approved, you can continue driving your car for the duration of the loan.

In a Nutshell

Many lenders offer approved borrowers between 25% to 50% of their vehicle’s value. At Montana Capital Car Title Loans, you have the potential to get a lot more; up to 70% of what your car is worth as long as you have the income to prove you can afford to repay the loan. Other factors may affect your final loan amount and terms such as your state of residence, credit score, credit history, and specific lender criteria. With websites like Kelly Blue Book and Edmunds, you can get an idea of what your vehicle is worth right now! 

What Is a Title Loan?

A title loan is a loan against your car’s value. During this short-term loan, you give up the car’s title while you pay back the loan, but you keep the car and can drive it during this time. It’s a way to use your car’s equity when you’re experiencing a financial emergency and don’t have any other ways to get money quickly due to bad credit (Fair and Poor credit scores below 669).

As a secured loan, our car is the title loan’s collateral so defaulting on the loan may result in your lender repossessing the vehicle. This, however, is not typically a lender’s first step. It is in both parties’ interest to work out a solution to ensure that the borrower is able to keep the vehicle and the lender receives their payments. Many lenders will work with you to figure out a solution like extending your loan’s term.

How Do Auto Title Loans Work?

At Montana Capital Car Title Loans, the title loan process is simple and quick! Here is what you need to do:

  • Apply online, in person, or over the phone
  • Answer a set of pre-approval questions
  • Provide photo identification and proof of income
  • Provide vehicle photos in place of an inspection
  • Receive a pre-approval decision in minutes
  • Review your title loan terms if approved
  • Send in your lien-free title in your name 

Determine Your Title Loan Amount?

While there are many factors that affect the title amount your eligible for, the biggest are the market value of your vehicle and your ability to repay your loan. 

Market value and retail value are different, so don’t get confused! While you may have paid $15,000 for your current vehicle 5 years ago (retail value), it may only be worth $7,000 now (market value).

Therefore, your lender will need information to evaluate your car’s market value. Instead of a physical inspection of your vehicle, Montana Capital Car Title Loans may let applicants provide photos of their vehicle from all sides and angles to determine this value. If approved, you may receive up to 70% of your vehicle’s value.

Review Your Title Loan’s Terms 

If you are approved, your lender will share your loan terms with you in writing before you sign the loan agreement. You will want to read these carefully to understand what your loan entails and look out for additional items that may increase the initial cost of your loan.

Your loan terms listed in your agreement should include the following:

  • How much money you’ll get 
  • Your monthly payment
  • Monthly interest rates, fees, and charges
  • Annual percentage rate (APR)
  • Finance charge (total loan cost)

Calculating the Terms of Your Online Title Loan

When you’re looking for a loan, the important factors that affect how much you’ll pay are the loan amount and the interest rate charged. The interest rate can vary, but the rate is affected by:

  1. The state where you live.
  2. Length of your loan term.
  3. Current value of your vehicle.
  4. Credit reports are sometimes required.

Keep in mind that other factors can also go into the costs of the final loan contract. You can review all the costs and charges before you sign. There are no hidden fees and nothing will be added.

Eligible Vehicles for Title Loans Online

Your vehicle’s value and type, will affect how much money you can get when applying for an in-person or online title loan. For example, a title loan on a motorcycle will likely be approved for less cash than a title loan on an RV. While there are other factors at play, typically RVs have the greater value. Eligible vehicles include:

  • Cars
  • Trucks
  • Boats
  • RVs
  • Motorcycles

The key is to have a lien-free title to prove your ownership of the vehicle. We’ll keep possession of the title while you repay the vehicle title loan. Once you pay it in full, you receive the title back and do what you want with the vehicle!

Find Out How Much You Can Get With Montana Capital

If you need to get cash fast, the quickest way is to apply for a car title loan online and get a free quote with Montana Capital. Apply using the three steps below and you’ll receive a pre-approval decision based on your ability to repay the loan and your vehicle’s value. 

Complete the online application

The application process takes only a few minutes and asks questions about your personal identity, income, and details about the car, including the year, make, model, and mileage. This information helps us determine your car’s value and whether you are eligible for approval. If approved, it will also affect the terms of your loan in your offer.

Provide photos

You may not need an in-person valuation of your vehicle. If you provide thorough pictures of the car’s interior and exterior from all sides, we may be able to use the pictures to determine your car’s value.

Get your answer

We process title loan applications quickly, giving you an answer fast and, if approved, disbursing funds as quickly as the next business day. Approved borrowers can get up to 70% of their vehicle’s value, anywhere between $2,600 and $20,000

70% Borrowing Power

At Montana Capital Car Title Loans, we are proud to offer a maximum of 70% borrowing power. This means you may be eligible to borrow up to 70% of your car’s value. This is much higher than many title loan lenders, who offer between 25% and 50% of the car’s value.

Factors Affecting Your Offer Amount

Type of vehicle

Each vehicle type (car, truck, RV, etc.) has a different value, and some are worth more than others. For example, an SUV may be worth more than a motorcycle.


Some makes/models are more desirable than others, giving them a higher fair market value, which means you can borrow more money. A luxury vehicle with all the bells and whistles will often be eligible for more than the bare-bones model.


A car’s condition greatly affects its value. A car in excellent functional and cosmetic shape will be worth more than a car with scratches and dents or mechanical issues.


The more miles your car has, the less it may be worth. Higher mileage often means either more problems with a car or the potential for issues to arise soon, which decreases its desirability and value.


The younger your car is, the more it will be worth because it has more usable life.


Different lenders offer different amounts for title loans. The following are ranges from popular title loan lenders (According to the companies website):

  • Montana Capital Car Title Loans – Between $2,600 and $20,000 
  • Title Max – Up to $10,000
  • Loan Center – $2,510 and $50,000
  • LoanMart – Between $1,500 and $50,000
  • 5 Star Car Title Loans – Between $2600 and $20,000
  • Advance America – Up to $25,000
  • Speedy Cash – Between $100 and $25,000
  • Max Cash Title Loans – Between $500 and $50,000
  • 1(800)Car-Title – Between $2,000 and $30,000

Keep in mind that individual states have their own regulations to consider. To see how title loan amounts vary by state, check out our location map here!

You have several options to receive your funds, including:

  • A direct deposit to your bank account
  • Pick up your funds at a local branch

Visit a Money Gram location near you

The title must be lien-free, but if you’re still paying on your current loan agreement, we may be able to help! Speak to a Montana Capital representative at 1-888-700-8900 to learn more.

Montana Capital may complete a credit check, but while your credit history and score may considered, the leading qualifying factors are your ability to repay the loan and the equity in your vehicle since vehicle title loans are secured loans.

Bad credit title loans are a great option if you have a bad credit score, but others exist! Other alternatives include:

  • Apply for a short-term loan from your bank/credit union
  • Ask a family member or a friend for a personal loan
  • Bring in additional income with a part time job or side hustle

How Much Can I Get for a Title Loan -The Bottom Line

If you want to access the equity in your vehicle fast, an online title loan with Montana Capital Car Title Loans may be the solution for you!

While title loans may be able to offer you the extra cash you need, taking out a loan of any kind is a big decision. Make sure to research lenders and alternative financing options. Take steps to anticipate how much a loan will cost you each month and over the entire term to ensure you can afford it. 

Save Time with the Title Loan Payment Calculator

If you are in the market for a car title loan and you wish to know ahead of time how much it will cost you, you can use Montana Capital Car Title Loans calculator to get a free title loan estimate. When you locate and use the online title loan simple calculator, you can save yourself a lot of time and efforts.

Speak with a Montana Capital Representative

If you would like more information, speak with a Montana Capital representative at 1-888-700-8900 today to help you make an informed decision that is right for you. Learn how much you can earn by applying today! Find out now – it’s fast, free, and secure!

Written by

Samantha Hawrylack

Samantha Hawrylack is a writer for Montana Capital Car Title Loans and a personal finance expert. 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.

Skip to content