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Legal Disclaimer
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This page is part of our commitment to transparency, accuracy, and responsible financial publishing.
Last Updated: January 2026
1. Purpose of This Website
Montana Capital Car Title Loans® provides information about title loans and related financial products. In California, we operate as a licensed direct lender and licensed broker under the California Financing Law. In all other states, we act as an authorized loan broker connecting you with licensed third-party lending partners.
The content on this website is educational and informational. It is not a substitute for professional financial, legal, or tax advice.
2. No Professional Advice
Our articles are written by people who understand the ins and outs of title loans, and we review them with professionals to keep things accurate and easy to understand. That said, the information here is educational and general — it’s not personalized advice for your specific situation. For decisions that affect your finances, we recommend speaking with a qualified professional.
3. Accuracy of Information
We review our content for accuracy at the time of publication. However, financial information, interest rates, laws, and state regulations change over time. We do not guarantee that all information is complete, current, or error-free. Article update dates are displayed so you can see when content was last reviewed. If you find inaccurate or outdated information, please contact us at legal@montanacapital.com.
4. Editorial Independence
Our editorial content is created and reviewed separately from our commercial and advertising activities. Compensation from lending partners does not influence our educational content. For full details on how we create and review content, see our Editorial Policy.
5. Advertising & Compensation Disclosure
In California, Montana Capital Car Title Loans® is a licensed direct lender and broker. In other states, we act as an authorized broker. When acting as a broker, Montana Capital may receive compensation from third-party lending partners. This compensation is paid by lenders and never by you. The compensation amount does not influence which lenders you are connected to.
Use of this website is free. You are under no obligation to use our services or accept any loan offer. See our State Disclosures for rates, terms, and regulatory information specific to your state.
6. User Responsibility
We want you to make informed choices. Before accepting any loan, take a moment to review the terms and decide what’s right for your situation. Read everything carefully before signing. We’re here to provide information, but the final decision is yours.
We don’t oversee or control third-party lenders and aren’t responsible for their conduct, loan terms, or business practices.
7. External Links
This website may contain links to third-party websites for your convenience. We do not control the content of external sites and are not responsible for their accuracy, privacy practices, or terms of use. Linking to a third-party site does not imply endorsement. You access external websites at your own risk.
8. Geographic Limitations
Loan availability, terms, and products vary by state. Montana Capital’s lending and brokerage activities are subject to state licensing and regulatory requirements, which may change over time. Only United States residents are eligible for loans through this website. See our State Disclosures for state-specific information.
9. Important Loan Disclosures & Risks
Title loan approval is based on your ability to repay, vehicle equity, and each lender’s underwriting criteria. Actual loan amounts, terms, and APR vary by consumer and state.
Key Risks and Disclosures:
- Credit Checks: A credit check may be performed using national databases including TransUnion, Equifax, LexisNexis, or FactorTrust.
- High Cost of Borrowing: Title loans are expensive. APRs can reach triple digits and vary by lender and state. These loans are designed for short-term financial needs only, not as a long-term solution. Use our Title Loan Calculator to estimate potential costs before you borrow.
- Risk of Repossession: A title loan is secured by your vehicle. If you cannot make payments, your vehicle may be repossessed. Repossession costs may include towing, storage, and sale of the vehicle, as permitted by applicable state law.
- Consider Alternatives: Before committing to a title loan, think about your options. Could you borrow from family or friends? Set up a payment plan with a creditor? Talk to a nonprofit credit counselor? These alternatives may cost less and carry fewer risks. Learn more at the National Foundation for Credit Counseling or the CFPB’s credit counseling guide.
- Military Protections: Active duty military servicemembers and their dependents are protected under the Military Lending Act, which caps the Military Annual Percentage Rate (MAPR) at 36%.
- GPS Tracking: Not all title loans require a GPS device, but some lenders may require installation of a GPS tracking device on your vehicle as a condition of the loan. This helps protect the lender’s collateral. If required, lenders may charge a fee for this. Fees vary by lender.
- Right to Cancel: In certain states, you may have the right to cancel your loan within three business days of signing. Cancellation rights vary according to the laws of the state where your loan was issued. To cancel, you must notify the lender in writing within this period. Any funds received must be returned within one business day of providing notice. See our State Disclosures for each state’s specific laws. Contact your lender for specific cancellation procedures applicable in your state.
Responsible borrowing: We encourage all borrowers to pay early and pay more than the minimum payment whenever possible. This helps reduce total finance charges and avoid a cycle of debt that can lead to default.
10. Licensing & Regulatory Information
Simple Cash Loans, Inc., dba Montana Capital Car Title Loans®
California DFPI License No. 603F508 | NMLS ID: 2249848
Verify our licenses: DFPI License Search | NMLS Consumer Access
In authorized broker states, our lending partners are licensed and regulated by their respective state financial regulatory authorities.
11. Privacy & Security
We use 256-bit SSL encryption and TLS to protect your information. California residents have specific rights under the California Consumer Privacy Act (CCPA), including the right to opt out of the sale or sharing of personal information. For details, see our Privacy Policy and Do Not Sell My Personal Information page.
If you are a resident of another state and wish to make a privacy-related request, we are happy to assist. Contact us at legal@montanacapital.com with your full name and request details.
12. USA PATRIOT Act Notice
Federal law requires financial institutions to obtain, verify, and record information that identifies each person who opens an account. When you apply, we may ask for your name, address, date of birth, and other identifying documents.
13. Accessibility
We are committed to making our website accessible to all users. We aim to follow WCAG 2.1 Level AA guidelines to ensure our content is perceivable, operable, understandable, and robust for people with disabilities.
If you use assistive technology and have difficulty accessing any part of our website, please contact us at legal@montanacapital.com or call 1-888-700-8900. We welcome your feedback and will work to address accessibility concerns.
14. Updates to This Disclaimer
We periodically update this Legal Disclaimer to reflect changes in our practices, regulations, or legal requirements. The “Last Updated” date at the top of this page reflects the most recent review. Continued use of this website after changes constitutes your acceptance of the revised disclaimer.
15. Contact Information
General Support: support@montanacapital.com | 1-888-700-8900
Legal Inquiries: legal@montanacapital.com
Mailing Address: 12100 Wilshire Blvd, Suite 800, Los Angeles, CA 90025
File a Complaint: Contact us directly, visit the CFPB Complaint Portal, or reach your state regulator.
Montana Capital Car Title Loans® | Simple Cash Loans, Inc.
NMLS ID: 2249848 | CA License: 603F508
© 2026 Montana Capital Car Title Loans®. All rights reserved.