Instant Online Title Loan | How to Get Cash Fast

July 24, 2023

If you’ve had a financial crisis and don’t have the cash to cover it, you might wonder how you’ll get money fast. Having access to funds quickly can be a financial game-changer.

If you’re in desperate need of cash, an instant online title loan may be a great solution. At Montana Capital Car Title Loans, we specialize in providing borrowers with speedy, minimal-hassle funds.

In fact, our goal is to get your funds to you the same day. Approved borrowers can use their vehicles as collateral for the loan and receive up to 70% of their car’s value, between $500 and $50,000. If borrowers complete their application, submit and sign all documentation, and receive final approval before 2:00 PM their lender’s time, they could receive their funds in as few as 5 hours!

Here’s how it’s done.

Fast Online Title Loan Process

You don’t have time to wait around? Our same-day online title loan process is seamless! We come as close as possible to providing instant funds.

Quick and easy online application

The application only takes about 5 minutes to complete. You’ll provide personal information and information about the vehicle. No phone calls are necessary, but representatives are available to answer any questions you have.

Submit documentation

Required documents include a copy of your lien-free title with your name on it, government-issued photo ID, photos of the vehicle and its VIN, proof of income, and in some cases, proof of insurance and character references.

Review and sign the loan agreement

Review your loan terms for important information such as the interest rate, payment amount, and date and ask us any questions you have about your loan terms. If you don’t have any questions and want to proceed, sign the document and return it to the lender. All that is left is to receive your title loan funds and continue driving your vehicle like normal.

Instant Online Title Loan – What Instant Means

Tough financial times can be scary, and an instant online title loan may help. While we say instant approval, the complete process from preapproval to funding doesn’t happen the exact moment you apply, but it does happen fast! It depends on a few factors, including how long you take to submit the required documentation and the time of day your application is finalized.

Here’s what makes the process fast!

Pre-Approval Online Application

Manually filling out an application in-store and waiting for a response can be nerve-wracking, not to mention time consuming. Finding lenders with online applications can speed up the pre-approval process. Waiting a few minutes for a decision compared to a few days can help applicants get one step closer to their funds.

Instant Online Title Loan, No Inspection

Every title loan lender needs to determine the value of your vehicle since its title is being used as collateral for the loan. But instant online title loans don’t necessarily require an in-person inspection to do this. Instead, applicants may provide the lender with photos, or even a video, of the vehicle’s interior, exterior, and VIN.

So no waiting at the shop for an inspection required! Your lender will review the images, verify its value, and respond with their approval decision.

Direct Deposit Into Your Bank Account

Waiting for a check in the mail and driving to the bank to cash it can add time you don’t have to the title loan process. With direct deposit, your funds can enter your account instantly!

How is it Possible? The Quick-Cash Method?

Our expert financial agents at Montana Capital are renowned for their efficiency. They ensure every detail is meticulously handled to get you your funds within a short time frame. If borrowers finalize their loan application, complete all required documentation online, and get final approval before 2:00 PM according to their lender’s local time, they could potentially have their funds in just 5 hours!

Who Can Apply for an Instant Online Title Loan?

The good news is almost anyone can apply for a title loan online. Here’s all that is required:

You must be at least 18 years old
Your car title must be lien-free
Have a vehicle title in your name
Have proof of income to repay the loan
Have proof of insurance (some states)
Have character references (some states)

Advantages of Instant Online Title Loans

A car title loan online has many advantages. Despite the high-interest rates and fees, same-day title loans have many benefits.

Quick Approval Decision

Borrowing money fast can make or break your financial situation. Approved borrowers can receive funds in as few as 5 hours of final approval if completed before 2:00 PM their lender’s time.

Receive Cash Same-Day via Direct Deposit

You can secure cash from your vehicle title loan fast, especially if you choose direct deposit. You can also visit a local MoneyGram location inside any Walmart.

Convenient and Helpful Resources

Our online application form is available 24/7, 365 days a year. This makes it easy to apply for a vehicle title loan when you need it most.

Our customer support is friendly and available by phone or email Monday through Friday, 9 AM to 7 PM, and Saturday, 10 AM to 4 PM, by calling 1-888-700-8900 or emailing support@montanacapital.com.

Bad Credit? No Problem

Do you have a bad credit score? Less-than-perfect credit won’t necessarily disqualify you from a title loan. In addition to your credit score, lenders consider your ability to repay the loan and the vehicle’s value. Check out the following examples:

Applicant ‘A’ has a good credit score but does not have any source of income. Applicant A’s vehicle is paid off but is 10 years old and in poor shape. In this case, applicant A is a bad risk despite their good credit because they would have difficulty paying back the loan, and their vehicle has little value.
Applicant ‘B’ has a bad credit score but a steady job with enough income to repay the loan. Applicant B’s vehicle is only a few years old and has a value high enough to secure the loan amount they need. Applicant B is a better risk than applicant A because their income is enough to pay back the loan, and their vehicle value is enough to cover the loan if they default.

Keep Driving Your Vehicle

The best part about borrowing an auto title loan is you get to keep your car. Some title loan lenders may not allow this, but with our service, you can keep your car and continue to drive it as usual. As long as you make your payments on time, everything stays the same with how you handle your car, except that you can’t sell it until you pay off the loan.

Multiple Repayment Options

Making your payments is easy with us. We offer multiple methods, including:

Over-the-phone payments
Cash at any local 7-Eleven
Mailed check or money

Fast Online Title Loan Tips and Tricks

Getting auto title loans online fast is easier than most people realize. Here are some quick tips and tricks to help you get a car title loan fast.

Have all necessary documentation ready
Ensure title loans are legal in your state
Know how much money you need to borrow
Research the interest rate and payment you can afford

Lender Tip:

Instant online title loans come with high-interest rates and fees- which means big payments. If you are able to increase your payment amount, make additional payments, or make a lump sum payment paying off your loan altogether, you could save hundreds or even thousands of dollars in interest.

While some lenders may charge fees for early payments, we do not! We encourage borrowers to make the best financial decisions for their situation.

See How Much Money You Can Get?

Online Auto Title Loans – FAQs

Can I Receive an Instant Title Loan if I Apply In-Store?

Yes! If you apply in-store, we are happy to help you get same-day approval on vehicle title loans. A loan officer can walk you through the process, and if you have the necessary documentation ready, we can complete the process quickly.

Are Online Title Loans Available in Every State?

Online title loans are not available in every state. Contact us to see if they are available in your location.

How Does My Lender Get My Car’s Title?

Lenders have different ways to collect your title. If the loan was processed online, most likely you will need to mail out you title to the lender’s main office. At Montana Capital we provide you with a pre-paid FedEx label which you can use at any FedEx Office Print & Ship Center. Simply take your title to the nearest FedEx Center and mail out your title to us. We will fund your loan upon receiving a FedEx delivery confirmation.

Instant Title Loans Online – The Bottom Line

If you want a fast and convenient way to get funds when you need them, instant online title loans may be a good choice. Skip the store visit by providing photos of your vehicle online. Continue driving your vehicle while temporarily using your vehicle’s equity, and receive your funds via instant direct deposit within 5 hours to one business day.
If you’ve exhausted all other options and need your cash right away, apply with Montana Capital today to see if you qualify for a title loan today!

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.