Knowing the title loan value of your car is the best way to understand how much you can get with a title loan. Typical title loan lenders can approve borrowers for between 25% and 50% of their car’s value. With Montana Capital Car Title Loans, however, you may be approved for much more; up to 70%!

In a Nutshell:

If you’re looking for an option to use your vehicle’s value to access cash in an emergency, a car title loan is an option! Montana Capital loans range from $500 to $50,000 and are typically easier to be approved as a collateral loan. Learning how much your car is valued at can help you plan for how much you can borrow. In general, approved loan amounts range between a couple hundred to a couple of thousand dollars and could be up to $50,000 with several lenders.

Find Out Your Car’s Value to Know How Much You Can Earn

Finding the value of your vehicle is a great first step when planning for how much you can get from a title loan. You can use value guides like Kelley Blue Book, Edmunds, or The National Dealers Association Guide (NADA) or a trusted mechanic to determine your car’s fair market value. On the value guide sites, you enter basic information about your vehicle, including its year, make, model, features, and condition. They also take factors like depreciation, location, local market, and seasonal trends into account. Then, you’ll receive an estimated value for your car to help you understand how much you can borrow from it.

How to Calculate Your Car’s Value for a Title Loan

After learning your car worth, it’s easy to calculate how much cash you may get. To get an idea of what you can receive, there are 3 calculations you should do:

  • To see the lowest amount you can receive, multiply the vehicle’s value by 25% (0.25)
    • Car Value X (0.25) = Lowest amount you can get
  • To see a higher amount you can receive, multiply the vehicle’s value by 50% (0.5)
    • Car Value X (0.5) = Higher amount you can get
  • To see the highest amount you can receive, multiply the vehicle’s value by 70% (0.7)
    • Car Value X (0.7) = Highest amount you can get

Let’s use a car valued at $50,000, for example. Using the calculations above, you would receive:

  • 25% = $5,000
  • 50% = $10,000
  • 70% = $14,000

Of course, other factors may affect the actual loan amount you may be offered, but knowing the title loan value of a car is the first step.

Title Loan Value Examples

The loan-to-value ratio describes your car’s value vs. the value of your auto title loan. To calculate this, you can take the loan amount and divide it by your vehicle’s value. Then multiply this value by 100 to get a percentage.

Example: How did we calculate this?

  1. 2017 Toyota RAV4 – $14,400 / $20,450 x 100 = 70%
    If your Toyota RAV4 is appraised at $24,450 and you are eligible for 70% of it’s value, your loan amount would equal $14,400.
  2. 2013 Chevrolet Silverado 1500 – $10,200 / $14,550 x 100 = 70%
    If your Chevrolet Silverado is appraised at $14,550 and you are eligible for 70% of it’s value, your loan amount would equal $10,200

In the following example, we break down two example loans; the first for a 2017 Toyota RAV4 and a 2013 Chevrolet Silverado 1500.

Examples of 36 Month Loans*

Examples2017 Toyota RAV42013 Chevrolet Silverado 1500
Vehicle Value$20,450$14,550
Title Loan Amount (up to)$14,400$10,200
Loan-to-Value %70%70%
Loan Term36 Months24 Months
Monthly Payment Amount$800$1000
*Processing Fee $75.00 + Lien Recording Fee $15.00. Keep in mind that there are no pre-payment penalties for early repayment.

Does Your Car Have Positive or Negative Equity?

As a type of collateral loan, you must have equity in your vehicle to qualify for a title loan.

What Is Vehicle Equity

Equity in your vehicle is the difference between the market value of your vehicle and the amount you still owe (if anything) on the loan. For example, if your car is worth $5,000 and is completely paid off, it has $5,000 in equity. If your car is worth $10,000 but you still owe $6,500, you have $3,500 in equity. 

Positive Equity

You’ll need positive equity in the car to get a title loan. This means the vehicle is worth more than you owe. Most title loan lenders require that you don’t have any outstanding loans on the car to get a title loan, but at Montana Capital, we may be able to help you if you have positive equity and a small loan balance left.

Negative Equity

You aren’t eligible for a car title loan when you have negative equity. This means you owe more on the car than it’s worth. Some lenders call this being ‘upside down’ on your loan.

How Much Can I Get for a Title Loan With Montana Capital

As we discussed above, Montana Capital Car Title Loans may approve borrowers for up to 70% of their car’s value. Loans range from a minimum of $500 to $50,000 and depend on multiple factors like your income and ability to repay your title loan.

Factors Affecting the Value of Your Car’s Title Loan

Many factors affect the value of your car, including the following:

Make and Model

A car’s make and model affect its value because some cars are more desirable than others, have better ratings, and are more reliable than others. For example, a luxury car will be worth more than a basic car.


The more miles a car has, the less the car may be worth. High-mileage cars, such as those with over 200k miles, usually can’t get approved for a car title loan, but low-mileage cars usually have a higher worth.


A car’s year affects its worth because as it ages, it loses value. Newer cars have more value, but you may still have financing on newer ones.


The better condition (cosmetic and mechanical) a car is in, the more it will be worth. Scratches, dents, and mechanical issues can decrease a car’s worth.


Modifications, such as a new spoiler or lowering the car, can decrease its value. Even though it may seem more appealing to you, it’s a personal taste that may not appeal to the masses and can lower the car’s worth.

Applying for a Title Loan If Its Value Qualifies

You may be approved for a title loan if your car is worth enough. At Montana Capital Car Title Loans, we make it easy to apply online, over the phone, or in person. To apply for a title loan, you will need the following:

  • Title in Your Name 
  • Proof of Income
  • Proof of Insurance 
  • Government Photo ID
  • Multiple Vehicle Photos 

Applying for financing and choosing a lender is a big decision! Let one of our representatives answer your questions by phone at 1-800-700-8900 or by visiting a branch near you.

The Benefits of a Car Title Loan

  1. You can access fast cash – If you provide the necessary documentation upfront, you can usually receive your funds within a few hours to one business day after approval.
  2. You can keep and drive your car – We will keep your car’s title, but you keep your car and can use it like you normally do while you pay off your title loan.
  3. You don’t need perfect credit – You don’t need great credit to get a car title loan. While we pull your credit reports, your ability to repay the loan is the primary determining factor for approval.


What Is the Loan-To-Value Ratio on a Car?

Can I Get a Title Loan if I Still Owe on My Vehicle?

Do I Need a Vehicle Inspection for a Title Loan Approval?

Auto Title Loan Value – Key Takeaways

Title loans use your vehicle’s value, or equity, to secure the loan. While, they are aimed towards people with bad credit experiencing a financial emergency, there are still borrowing limits. To determine how much you can borrow, Montana Capital will evaluate how much your vehicle is worth and whether you are able to repay the loan. 

Remember to only utilize title loans as a short-term solution in the event of a financial emergency. The APR on title loans is high and can make it hard to make monthly payments if you’re struggling financially.

Get the cash you need today by applying with Montana Capital Car Title Loans, and keep driving!

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.