Home > Locations > Oregon > Albany

Title loans in Albany

Fill in the online form


Call us now

Open hours

Mon - Fri:

9am - 7pm
10am - 4pm

All our loans are processed online. This location provides only GPS services, it does not issue loans

Title loans in Albany

In just a day, I was able to get my bad credit loan approved, which made it possible for me to pay off some debt. The customer service you provided was also excellent. Thank you so much!
Thelma Garcia
04:45 12 Nov 21
A smooth process for applications and approvals! My consultant kept in touch with me throughout the emergency loans in North Hollywood. My application was approved quickly with a very competitive interest rate.
Kevin Thompson Jr.
06:16 26 Oct 21
No matter how many issues I've encountered, they've always helped me, and have ensured that the loan process goes as smoothly as possible. This company gives personal loans for people with bad credit. You guys are great!
Guerrero Strong
17:47 29 Jun 21
They treat me like family I love the customer service here. I would recommend to anyone needing a quick payday loans.đź‘Ťđź‘Ť
valdez preston
16:35 03 Jun 21
Montana great to work with on our recent car title loans. Everyone is extremely knowledgeable, quick to respond, and very reliable. Highly recommend this company.
crystal estrada
22:59 26 May 21
As a first-time borrower, I anticipated that obtaining this loan would be extremely stressful. Obtaining a loan is never a pleasant experience, but it is what it is. Montana Capital Car Title Loans did an excellent job of calming me down and assisting me in making the best decision for my future. Thank you.đź‘Ť
Aleena Angela
11:55 29 Apr 21
It's seriously impossible to find service as good as you get from Montana Capital Car Title Loans! They work with and for their customers to get you what you need. Truly amazing I fell in love with them!
Brynn Hammond
12:20 15 Mar 21
Montana Capital provided excellent communication and they guided us through our loan application every step of the way. They made it feel really easy.
Steven L. Moss
06:10 12 Feb 21
I was too upset to even think right when I applied for fast money from Montana Capital Car Title Loans. I guess I gave some goofy answers on the application, because Ramona called me right up to walk me through the process. She was super sweet and helpful.
Danny Echols
06:55 27 Dec 19
I gave 1 🌟 because Montana capital stressed me out I had to make my July payment in August due to me having to bury my son Montana capital did not understand I asked for and extension on my August payment and they still said I had to pay .I have became homeless do to me laying my son to rest.montana capital did not care .thanks Montana capital for really stressing me out doing the time of losing my son
Maria Moore
16:58 16 Aug 19
Best thing to do is sell your car and pay a new car and not them. I borrowed 6k. 3 years later I already paid them 11k and my balance is still 5300. How on the hell. Crazy. Theives they are super nice of course. They try to convince whatever it takes. Also if u must get it. Keep saying no thanks and they lower and lower the payment
Cesar Moreno
20:02 19 Apr 19
Best thing to do is sell it car and pay a new car and not them. I borrowed 6k. 3 years later I already paid them 11k and my balance is still 5300. How on the hell.
Cesar Moreno
19:43 19 Apr 19
This place is not worth it. You’ll loose a lot of money you gotta be completely desperate to take a car title loan out from this place. Example my aunt took out a 2600 loan paid over 5,000 she called to see how much she owed they said over 3,000 do the math folks is this really worth it hell no. I repeat go somewhere else that doesn't charge 2 arms and a leg in interest. How can you just be paying interest and no capital sh*t makes no since? I'm warning you people don't go here. And the people saying how great this place is, is lying 🤥 like a mf.
Joshua Freeman
19:48 15 Jan 19
This place is not worth it. You’ll loose a lot of money you gotta be completely desperate to take a car title loan out from this place. Example my aunt took out a 2600 loan paid over 5,000 she called to see how much she owed they said over 3,000 do the math folks is this really worth it hell no. I repeat go somewhere else that doesn't charge 2 arms and a leg in interest. How can you just be paying interest and no capital sh*t makes no since? I'm warning you people don't go here. And the people saying how great this place is, is lying ???? like a mf.
Joshua Freeman
19:47 15 Jan 19
Kyle is a great constomer service rep. He is alway there to help me on my payment is is friendly and prompt. What I really like about these guys is when I call, there is no wait time.
Max Morgan
20:02 26 Jul 18
Jonathan is the customer service rep that I always talk to. He always treats me nice and is fast and effectiant.
18:40 05 Jun 18
I needed fast cash due to my wife having a health issue. They got me the amount that I needed and the process was fast. No hold ups. When I call to make a payment I always ask for Jonathan and he is always friendly and assists me very professionally.
Joe Cheuvront
19:50 25 Apr 18
Excellent customer service, fast response.
cynthia rojas
21:01 14 Apr 18
Kiara made it really simple for me, having everything done in an record time, excellent costa service!
JuNiM RoSa
23:09 12 Apr 18
Very helpful. Nice and efficient.
Natasha John Powers
23:35 11 Apr 18
One person handles you professionally. His name is Kiel. Johnathan and Daniel are very rude and very unhelpful. Do not allow them to assist you. They are very unprofessional!
muriel jones
18:24 02 Apr 18
Great place when you are ready to do a title loan. Montana tells you to pay it off as quickly as possible so you do not incur too many payments, but if you have to make a loan, this is the place. Speak to Kyle F, he is the very best! Very professional, informative and very courteous and kind! Thank You Montana!
muriel jones
21:48 27 Mar 18
These people are criminals. The F.B.I. has a case on this company. If you have any information regarding your experience with Montana Capital Car Loans please respond with your information. Thank you.
Julius Schreck
22:07 26 Mar 18
Great customer service with Kiara, made my transaction very smooth and quick in about 1 hour.
Erica Hurtado
20:03 22 Feb 18
I deeply appreciate the help and kindness.I will refer people to get a Title Loan from Montana Capital.
Tammy Work
20:58 13 Oct 17
Simple and easy process very friendly and prompt, so far so good — better than other places no complaints
Elyce Hastings
18:00 21 Sep 17
Quick and friendly. Rates were better than other title loan companies I've tried. They were helpful and informative and processed my information in no time.
Rebecca Richardson
20:56 15 Apr 17
Great expeience. Very helpful staff! Easy process and it all can happen in the same day!
Lale Weier
23:20 27 Jan 17
These people were fast with the decision process and very polite. Everything above board would recommend to anyone.
Al Delarosa
18:48 19 Dec 16
Joel and staff provided friendly, efficient service... Everything was explained clearly to me and my questions were answered in a professional manner..I would highly recommend using them if you need to .... Note: Loan isn't cash, it is a Bank of America check. Not a big deal to me, but maybe to you.
Life With Mrs Clark
22:41 10 Sep 15
Kira helped me in April 2014. I needed quick help. The interest rate was high...but as a business man, I understand their exposure to risk. I did the loan. It was quick once verifications were complete (same day/several hours) and I was on my way in my car with check in hand. Best to pay off this loan quickly knowing a chunk of $ is coming in to you to clear the loan...otherwise the burden of monthly payments at high interest could be overwhelming if stretched out. Montana reps tell you this...they are upfront, friendly and professional. If you are at a place of 'last resort'...then do business with Montana! I may use them again, soon, as a quick 'bridge loan' and pay them off quickly, as before. This is the BEST way to do it. Ron
Ron Vale
23:35 12 Jul 14
It's tough when you're stuck with limited options for a quick loan. If your only option is a car title loan, this is an honest place with nice people who will work with you. The place is in an industrial area, but the offices are clean. The people here are well organized and friendly. They can set up automatic monthly payments. They are quick to answer their phones too.
Erica Fleming
19:39 29 Jan 14
Google Rating


LC Diesel LLC

3480 Earl Ave NE


97322 Oregon

Service type

GPS Installation Centers

Start your loan process at this GPS Center

How it works


Our main

Montana Capital is one of the most flexible and trustworthy finance houses in the great sun-soaked city of Los Angeles, California. While there are many things that set Montana Capital apart from its competitors, here’s what customers should know about Montana Capital's differences.

Great customer service

No other financier will give you better customer service, and many of them won’t give you the time of day.

Loans for low credit score

Montana Capital has a reputation for working with customers with all sorts of credit score.

Simple application process

With options to apply online or to apply via phone, Montana Capital won’t let you wait forever until you get a response.

Have a bad credit score?
We will help you!

It’s not that hard as you think! Getting started
is just one click or phone call away

A few simple steps for
a free quote

Select the amount of cash you want


Why you should choose us

Our goal is to provide you the maximum cash value with a payment plan that works for you, along with the an outstanding customer service. Our loans have helped give them the boost they need to get ahead in life.

No prepayment penalties

and no hidden fees. We don’t believe in these! Payoff your loan whenever is best for you. Your first payment will only be due 30 days from the day of your contract and in monthly installments afterward.

Bad credit is okay

Our loan approvals are based more on your ability to pay back the loan. We believe in helping everyone get ahead, regardless of credit! Check us out Today!

Best customer service

we have attentive title loan agents waiting by to help you today. Give us a call at 800-700-8900

Car Title Loans in Albany, Oregon: A Full Guide

Do you need some quick funds? Do you have a vehicle sitting at home?

If your answer to both is “YES,” then you can consider applying for car title loans in Albany, Oregon.

What Is a Car Title Loan?

A car title loan, also known as an auto title loan, is a short-term loan secured by your vehicle’s title. 

Repayment can be expected in as fast as 15 days, depending on your loan terms. Loans can also be repaid in installments, which gives you up to six months to come up with the cash.

These cash loans are also known to have high-interest rates and fees

As a secured loan, the lender has the right to repossess your vehicle if you don’t repay the cash loan on time.

Despite this, car title loans remain attractive to people because of their fast and easy application process. 

In fact, you can get approved and receive the money on the same day.

Alongside that, having no or low credit scores doesn’t automatically disqualify you from getting approved for a loan.

Are Title Loans Legal in Oregon?

Yes, title loans are legal in Oregon. 

Some people even call these loans legal scams! Oregon lawmakers have thus passed bills to regulate title loans.

This prevents predatory lenders from taking advantage of those who are more desperate to get some quick cash.

Because of that, you can rest easy knowing that you won’t lose your vehicle to a bad car title loan.

Of course, this assumes you still try to choose from trustworthy title loan companies.

Why Should I Get a Title Loan in Albany, Oregon?

Below are some of the pros to getting a title loan in Albany:

#1 Limited Credit Check

Title loans are bad credit loans. This means you can have no or bad credit history, and you might still get approved for a loan.

That’s because the important thing about auto title loans is you have a vehicle to put up as collateral. One of the things lenders are concerned with the most is the car value.

However, some companies still run a limited credit check. While everyone gets some chance to get approved, the loan terms they give you will depend on your credit score.

For example, you might be approved even if you have a bad credit score. But, the lender will most likely give you the maximum interest rate and minimum loan amount.

Some lenders might even ask for pre-payment penalties. This is to protect themselves if you can’t repay the borrowed cash.

#2 Fast and Easy Loan Application

Whether you apply online or with a lender directly in person, you can expect your application form to be reviewed and (hopefully) approved as quickly as the same day.

After signing the contract, you can also expect to get the cash within 24 hours.

#3 Regulated by Law

Thanks to Oregon title loans being regulated by law, you don’t have to worry about licensed companies taking advantage of you.

Instead of heading to other cities, you can get affordable title loans right in your home State.

Some of the regulations these car title loan companies should follow include:

  • Maximum interest rates are 36% APR (annual percentage rate)
  • A maximum of $10 in fees for every $100 borrowed
  • The loan can be rolled over up to two times at most
  • No additional fees for rolling over the loan
  • The lender can’t charge you interest on the loan after repossession of your vehicle
  • The lender can’t require a spare set of your vehicle’s keys
  • The lender can’t give cash to those who can’t show proof that they can pay back the loan (such as proof of employment)

Requirements for Title Loans in Albany, Oregon

Some of the basic requirements you should have when applying for Oregon title loans include:

  • Government-issued ID – This is proof of your identity that you’re of legal age and a resident of Albany, Oregon. It’s also used to cross-check your other information — such as bank account information and the car title.
  • Active bank account – This should have been opened six months before your loan application.
  • Proof of income – This can appear either as proof of employment or that you’re a recipient of social revenues from the government. Lenders may also ask for bank statements to verify your ability to repay the loan.
  • Vehicle documents – Car title, insurance, and registration should all say that you’re the owner of the vehicle you’re putting up as collateral. You’re not allowed to put up another person’s vehicle as collateral.

How Title Loans Work in Albany, Oregon

Getting a title loan in Albany, Oregon, is easy. Just follow these steps:

Step 1: Find a Trustworthy Lender

There are two things you should first look for when choosing a lender: 

  • Federal license – This shows that the company follows the country’s laws regarding title loans
  • Local license – This shows that the company follows the laws of its location. It also means that they’re legally allowed to operate there.

These licenses should be found on an agency’s website.

The tricky part here is that online lenders aren’t exactly subject to laws. So if you’re leaning toward applying online, you should be more critical.

Find out everything you can about the company — from customer feedback to loan terms and interest rates.

Going to a physical firm is easy as well. You’ll at least be able to discuss things freely face-to-face.

IMPORTANT: Online title loans in Oregon are not regulated. As of the writing of this article, there are no licensed online title loan companies in the state.

Step 2: Get Approved

Once you’ve chosen a lender, you can pass your application form.

Some of the important details you need to fill in are the details about your car, such as its:

  • Year 
  • Make
  • Model
  • Mileage

Submitting an application is your express written consent that you’re a US resident of legal age.

You’re also authorizing the company to contact you by phone, e-mail, text message, or other means regarding your application.

Take some time to read through the contract. See if you can negotiate the loan amount and interest rate before signing.

That said, you can usually get approved within one business day. You can even get your money soon after. You can receive the cash through your bank account or straight from the lenders.

Step 3: Repay the Loan

The loan terms you get will depend on your credit history.

Good credit means higher loan amounts and lower rates. Meanwhile, bad credit gives you lower loan amounts and higher rates.

Regardless of what you get, you’ll have to keep up with repaying your loan amount and the additional fees if you want to keep your vehicle’s title.

Lenders usually repossess your car to auction it off if you don’t. They then take part (or all) of the cash received from the auction.

What to Watch Out for in Title Loans in Albany, Oregon

Though title loans in Albany are regulated by Oregon law, there are still things you should be wary of as an applicant and car owner:

#1 Predatory Lenders

Predatory lending is a big reason lawmakers felt the need to regulate how lenders can give out a title loan in Albany.

File a complaint if you catch your lending company doing any of the following:

  • Ask for personal bank account information to decide on your loan payment terms. (Proof of a personal bank account is only required so they know where to deposit the cash.)
  • Attempt to repossess your vehicle after just one missed payment. (There should still be a grace period and warning.)
  • Aren’t transparent about fees and rates
  • Have more than a 36% annual interest rate and 153.77% APR
  • Don’t give a written title loan agreement that you can assess and sign
  • Ask for an upfront fee to be paid through prepaid card, credit or debit card, wire transfer, or money order

Before agreeing to title loans in Albany, take the time to familiarize yourself with the laws. This is so you can recognize any red flags when you see them.

#2 Expensive

Auto title loans, in general, are expensive.

Things like your loan amount and the interest rate will be decided by lender-based factors like your financial history and credit score. This is why loans are even more expensive if you don’t have good credit.

Aside from the naturally-high interest rate, you still have to pay other finance charges â€” such as service and finance fees.

You’re paying all that for a loan amount that’s only a maximum of half your car’s value.

Then, if you roll over the loan, it will accrue more interest. If you fail to keep up, you lose your vehicle too.

As you can see, title loans can leech you of your money if you’re not careful.

#3 High Risk of Repossession

If you enter a title loan agreement without fully understanding what you’re getting yourself into, you’re at a high risk of getting your car repossessed.

Title loans in Albany are not a good option if you’re too deep in financial issues.

That’s because a title loan is a short-term loan, so you need to know how to generate the money within that time frame.

If you scramble for money at the last minute, you might not make it on time. You’ll keep building up interest, and eventually, your vehicle will get repossessed.

When dealing with licensed companies, you can be honest if the loan term is too tight for you to come up with the cash.

If you still choose to get a title loan, discuss repayment options with the lending company and see if you can make them more suitable for you.

Alternatives to Title Loans in Albany, Oregon

Title loans aren’t for everyone. If you want to know your alternatives, below are other cash loans to consider:

Payday Loan

Payday loans give you fast cash too. You can apply online to bypass financial institutions.

You also don’t need a perfect credit score for a chance to get approved.

This is because these cash loans are short-term loans that you’ll pay on your next payday. Sometimes, lenders even ask that part of your next salary be automatically redirected to them.

Loan amounts typically range from $50 to $1,000. You don’t even need collateral.

Like with title loans, you can consider this option if you need cash immediately and know how to come up with the cash to repay the loan.

Credit Card Cash Advance

Credit card cash advances are expensive too — but NOT as expensive as an auto title loan.

These cash loans work because the money you withdraw from the ATM comes from your credit limit rather than your actual bank account. You can also get your convenience check mailed in by your credit card company.

Credit cards come with cash advance limits, which you can find out through your credit card statement or online account.

The main thing to remember with these cash loans is that the interest starts accumulating when you finish the transaction.

Because of that, you should pay it off as soon as possible, preferably before you get your billing statement.

Bank Overdraft

A bank overdraft is a sort-of extension of credit.

In this type of loan, a bank lets you keep withdrawing money even if your account has zero or insufficient funds.

You’re charged a fee per overdraft — which can reach as high as $35. Despite that, overdraft interests are still lower than credit card interests.

Some banks also give overdraft protection, which doesn’t charge for insufficient funds. However, it doesn’t cover other fees like interest.

If you don’t pay this loan on time, the bank will turn the debt over to a collection agency. When this happens, it can negatively affect your credit score.

Personal Loan

A personal loan is the friendliest among the other mentioned cash loans in this article.

You can get a personal loan from a bank or credit union. Online application through online lenders is an option too.

Personal loans are unsecured loans, so you don’t need to put up any collateral. However, financial institutions are pretty rigid with the credit check and your source of income.

This decreases the chances of approving someone in no financial shape to get loans. However, they offer lower rates and better terms than even the cheapest title loans.

You can also repay the cash for up to seven years.

Online lenders are more lenient with credit checks — but you should still watch out for scammers.

Frequently Asked Questions

Below are some FAQs regarding title loans in Albany, Oregon:

Can I Get a Title Loan With No Proof of Income?

It’s illegal for lenders in Oregon to give a title loan to people who don’t have income. You’ll have to present proof that you have a source of income.

Aside from the usual proof of employment, it’s okay if you get your income from:

  • Inheritance
  • Trust fund
  • “Under the table” employment
  • Annuities
  • Worker’s compensation

Lenders may ask for letters or additional documents to back up your claims.

Let’s say you get your income from “under the table” employment, where you receive cash from an employer for services rendered. In this case, you can ask them to write and sign a letter that has:

  • Your name
  • The services you rendered
  • The compensation you get

Can I Get Multiple Title Loans in Albany, Oregon?

You can’t get multiple title loans on one vehicle. 

That’s because lenders don’t accept a car that already has a lien to it.

If you have multiple vehicles, you can choose to set them all up separately as collateral for DIFFERENT title loans.

Can I Get a Title Loan in Albany, Oregon, Without a Clear Title?

Yes, some lenders allow you to get a title loan without a clear title.

Clear titles essentially show that you own the car and don’t have liens on it. However, these loans are more expensive to compensate for the lack of a clear title.

For one, your vehicle must have a high value. You’ll also get higher interest rates and shorter repayment terms.

Some lenders even allow a second lien title loan, which is when they accept a car that already has a lien on it.

Aside from that, you can technically put someone’s car up as collateral for title loans as long as they sign the title over to you. Usually, this is as simple as signing a pink slip.

Applying for a title loan with no clear title comes with its own complications. So, while it’s possible, it’s not recommended.

Will My Vehicle Need to Be Inspected?

Not really. Online title loans are usually same-day title loans.

That’s because they’ll normally only ask for pictures of your car. An online title loan will also ask for details, such as the manufacturer and year, among other things.

With a title loan with direct lenders, they might require an in-person inspection to ensure the quality of your vehicle.

If an inspection is needed and you don’t have your vehicle with you when you apply in person, the application process might take a few days.

Will Title Loans Affect My Credit?

It won’t affect your credit too much. Despite that, repaying loan amounts on time keeps you in good standing with the lending company.

That means they’ll be more willing to help you again — whether it’s to approve another title loan or as a reference or referral to other companies.

However, it can drag your score down if you default or don’t make payments on time.

Can I Use My Vehicle During the Loan Term?

Yes, you can.That’s because your vehicle title is on the line rather than the vehicle itself.

Just remember that you can’t hide your vehicle if you don’t manage to repay the cash you borrowed. The lending company can sue you if you try to do that.


Car title loans in Albany, Oregon, are an option if you want some fast cash.

You can get same-day funding, and the title loans requirements are easy to compile!

Make sure to find the best deal for you before you get your cash today.

Have a bad credit score?
We will help you!

It’s not that hard as you think! Getting started
is just one click or phone call away

A few simple steps for
a free quote

Select the amount of cash you want

Skip to content