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Home > Oregon > Albany

Title Loans in Albany , Oregon

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Location Information:

MC representative


3480 Earl Ave NE
Oregon   97322

Working hours

Mon - Fri: 9am - 7pm

Saturday: 10am - 5pm

Sunday: Closed


Title Loans up to $50,000


Montana Capital Car Title Loans Reviews

Montana Capital Car Title Loans hooked me up with a vehicle title loan when I needed cash quick. Super straightforward process, and their team was really helpful every step of the way. Definitely recommend them for anyone in a pinch!
Alexa Hopkins
Alexa Hopkins
I had a fantastic experience with Montana Capital Car Title Loans when I applied for a loan on my car title. Their team was incredibly efficient, guiding me through the process smoothly and ensuring I received the funds I needed quickly and hassle-free. Highly recommend Montana Capital Car Title Loans for anyone considering a loan on their car title.
Quinton Allen
Quinton Allen
I needed a loan right away, so they allowed me to place a lien on my car's title. The staff was very helpful in clarifying the terminology, and the procedure ran well. got the money I needed without any issues.
Efrain M
Efrain M
Discovering title loans in my area through this service was a positive and convenient solution for my financial needs. The local accessibility, transparent terms, and helpful staff made it a reliable choice for obtaining quick financial assistance.
Calista Lueilwitz
Calista Lueilwitz
They let me put a lien on the title of my car because I needed a loan immediately. The personnel was helpful in explaining the terms, and the process was efficient. received the money I required without any problems.
Anthony Patterson
Anthony Patterson
Securing title loans in my area became a seamless process with this service. Their local presence, coupled with a straightforward application and friendly staff, made the entire experience efficient and convenient, earning my recommendation for anyone in need of local title loan services.
Alex Rice
Alex Rice
I'm very happy that I used this company to restructure my auto loan! Their customer service was excellent, and their auto refinancing alternatives were quite reasonably priced. Anyone trying to reduce their auto payment costs should definitely check them out. Really impressive! Thank you so much Montana Capital Car Title Loans!
Amir Razavi
Amir Razavi
After doing some research, I discovered that this organization is among the top lenders for title loans. Their personnel was clear and polite, and their rates were competitive. I'm happy I went with them for my title loan requirements. Thanks!!
Xaxia Manalao
Xaxia Manalao
I did my research and found this company to be one of the best title loan lenders around. Their rates were competitive, and their staff was friendly and transparent. I'm glad I chose them for my title loan needs.
Kathleen Bowman
Kathleen Bowman
I recently refinanced my car loan with this company and couldn't be happier! Their auto refinancing options were incredibly affordable and their customer service was top-notch. I recommend them to anyone looking to save money on their car payments.
Natasha Gilbert
Natasha Gilbert
This loan company exceeded my expectations in every way possible. From the initial inquiry to the final approval, their team demonstrated unparalleled expertise and dedication. My car title loan was processed efficiently, and the funds were released promptly. Kudos to their hardworking staff!
Rosie Fisher
Rosie Fisher
I'm very delighted that my research into second lien title loans brought me to this loan provider. My ability to use the value of my car as collateral offered a much-needed answer at a difficult moment. The procedures were open, and the conditions were reasonable.
Allen Clark
Allen Clark
This loan company hooked me up with a quick title loan when I was in a tight spot and needed cash. Their service was super efficient and the process was straightforward. They really came through for me as a reliable source of funds. Thank you Montana Capital Car Title Loans!
Jeffery Cruz
Jeffery Cruz
When traditional loans didn't work for me, I found a solution with installment title loans. This company offered me the flexibility I needed and made the loan process convenient and stress-free.
Brenda Tucker
Brenda Tucker
When I needed a loan despite having bad credit, this loan company came through for me. They were understanding, helpful, and provided a solution tailored to my needs.
Lillian Flores
Lillian Flores
I needed fast cash and I got it with this company. The car title loan process was quick and easy, and I was able to get my money the same day.
Nicholas Bailey
Nicholas Bailey
I was hesitant to apply for a title loan because I was worried about the APR, but I was pleasantly surprised by how reasonable it was. I would definitely recommend this company to anyone looking for a title loan.
Gordon Hansen
Gordon Hansen
I needed cash fast and the loan company was able to help me out. I was able to get a loan and pay it back quickly. The process was very easy and the customer service was great. I would definitely recommend this company to anyone in need of a loan.
Nicholas Hughes
Nicholas Hughes
I was in a tough spot financially and needed a way to get some quick cash. I found a loan company that would place a lien on my car title and I was able to get the money I needed within 24 hours. The process was quick and easy and I would recommend this company to anyone in a similar situation.
Camille Coleman
Camille Coleman
I found their loan lending agency on the internet, and for the price, I couldn't believe it! I have been trying to get a loan for months and was getting nowhere. My bad credit rating was making me worried so I was beginning to think it just wasn't possible. But then I found out about Montana Capital Car Title Loans and got an emergency loan within 2 weeks of my application. They handled all the paperwork and everything just went so well!
Wanda Carpenter
Wanda Carpenter
This company is great! I got a short term loan when I needed it and they had great customer service. I would definitely recommend them to anyone!
Keith Connelly
Keith Connelly
I was in dire need of money and a friend referred me to this auto title loan company. I was a bit hesitant at first, but I decided to give it a try. I am so glad I did! The process was quick and easy, and I got the money I needed within 24 hours. I would highly recommend this company to anyone in need of quick cash.
Dorothy E
Dorothy E
I had no idea where to turn when my car broke down and I needed some extra cash. Thank goodness for this loan company! They provided me with an auto title loan with no credit check and the process was super easy. I would definitely recommend them to anyone in a similar situation.
Jessica King
Jessica King
Thanks for providing poor credit loans at reasonable interest rates! The staff is friendly and helpful!
David Mahaffey
David Mahaffey
All throughout the process of personal loans online, I received professional assistance from my team.
Kelly Taylor
Kelly Taylor

3 Easy Steps to Get a Car Title Loan in Albany

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Apply either online or by phone. Montana Capital is here to help you get the cash loan of your car title fast and secured!

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Depending on how much your car is worth, how much money you need and your ability to repay you could get up to $50,000.

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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 — 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.

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Have a bad credit score?
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It’s not that hard as you think! Getting started
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A few simple steps for a free quote

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