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Home > Virginia > Alexandria

Title Loans in Alexandria , Virginia

How much cash can i get

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Location Information:

MC representative


2900 Richmond Hwy
Virginia   22305

Working hours

Mon - Fri: 9am - 7pm

Saturday: 10am - 5pm

Sunday: Closed


Title Loans up to $50,000


Montana Capital Car Title Loans Reviews

Living in a remote area, finding financial assistance can be challenging. Luckily, I stumbled upon title loans in my area through this fantastic loan company. They catered to my specific location, making the process seamless.
Thomas B.
Thomas B.
The payday loan procedure at Montana Capital Car Title Loans is quite helpful. Loan services like cash title pawns can be relied upon totally. It is something I would recommend to everyone who could benefit from it.
md rofek md R.
md rofek md R.
I initially had concerns about securing a title loan without having the actual title in my possession. However, I was pleasantly surprised by this company's ability to provide a solution. Their flexibility and understanding truly saved the... day.read more
Cory E. G.
Cory E. G.
My credit history has been neglected in recent years. In an emergency, I was able to secure a $5,000 fast title lenders Loan with guaranteed approval via Montana Capital Car Title Loans that marketed an excellent local payday lender. I am... forever grateful to them for helping me get my life back on track.💰🤝👌read more
Zayden R.
Zayden R.
I thought title loan without title in hand would be a problem, but this company found a solution. Their flexibility and understanding saved the day.
Russell G.
Russell G.
This company provides title loans even if you don't have the physical title in hand. Their flexibility and willingness to work with unique situations were impressive.
Dorthy M.
Dorthy M.
⭐🚙Reviews of car title loans led me to this excellent loan provider. I can attest that the positive evaluations are well-deserved after first using their service. The team's professionalism and support were remarkable, and... the process went without a hitch.⭐🚙read more
Naomi M.
Naomi M.
The loan company's fast auto loans title loans truly lived up to their name. I was amazed at how quickly they processed my application and provided the cash I needed. It was a reliable and efficient solution.
Ana M.
Ana M.
During a financial emergency, fast cash title loans were a game changer for me, and this lending firm delivered. Their swift approach ensured that I received the funds I required as soon as possible.
Lori F.
Lori F.
Fast cash title loans were a game-changer for me during a financial emergency, and this loan company delivered. Their efficient process ensured I got the money I needed quickly.
Margaret O.
Margaret O.
I was in a bind and required some extra cash. I went to this lender, and they were able to assist me by taking out a loan on my automobile. I was quite pleased with the service, and the money I received allowed me to get through a... difficult period.read more
Dorothy C.
Dorothy C.
I am very satisfied with the loan company. They provided me with a fast loan, and the process was very smooth. A big thanks to them!
Kelli H.
Kelli H.
I'm so glad I found this loan company! They were able to give me a car title loan near me and the process was so quick and easy. I would definitely recommend them to anyone in need of quick cash.
Brandon W.
Brandon W.
I always knew I would be able to get the cash I needed all the time. With their team’s help , I was able to get two title loans online near me that was needed even quicker than expected. It was a simple and easy process, and I would have... been stuck without their help. My only regret is that I didn't know about this sooner! I gladly recommend them for their help!read more
Jodi A.
Jodi A.
I needed a loan right away because I was in a tight financial condition. When I went to this business, they quickly assisted me. My automobile title served as security for a loan that I was able to obtain. I was able to acquire the money I... needed right away because the process was swift and simple. I would without a doubt suggest this business to anyone in need of a quick loan.read more
Jacqueline T.
Jacqueline T.
I was really struggling to make ends meet, and then I found out about car title loans. I was able to get the money I needed within 24 hours, and it was a lifesaver. I highly recommend this service to anyone who needs quick cash.
Nicole H.
Nicole H.
I was impressed with the fast approval process and the affordable interest rates. I was able to get the cash I needed quickly, and it was easy to do. I would definitely recommend them to anyone looking for personal loans for bad credit.
Mildred F.
Mildred F.
I am pleased to report that the person handling my case was competent and knowledgeable and that the staff guided and helped me before processing my loan application. The best title loans near me.
Marquetta G.
Marquetta G.
Whenever I called, I received professional and courteous service. Buying a car with no credit I received had a competitive rate, with extremely low processing fees.
Ruby P.
Ruby P.
They assisted me in obtaining an immediate cash loan. Before I applied for the loan, they explained all of the terms and conditions to me. Thank you so much for your assistance and support, guys!
Dorothy C.
Dorothy C.

3 Easy Steps to Get a Car Title Loan in Alexandria

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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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Step-by-Step Guide for Car Title Loans in Alexandria, Virginia

Consistent financial stability is hard to come by.

We are going to be strapped for money most days. If you’ve exhausted all options and need a loan quickly, you can always count on getting title loans.

As long as you have the basic documents to complete a loan application, you can get that much-needed money easily!

Read on to learn how car title loans work in Alexandria, Virginia.

What’s a Car Title Loan?

First things first, let’s have some definitions.

Car title loans are high-risk, short-term loans that involve your vehicle as collateral.

They’re also called auto title loans and pink slip loans in other states.

  • In return for money, you pledge your car title to the lender.
  • You pay off the loan amount within a set period.
  • If you’re not successful in paying off the minimum loan plus interest, the lender will repossess your car.

However, that’s not the end!

You will get a notice about the repossession. You’ll be given some time to pay off the loan before they sell your car.

Once sold, the lender takes what they’re owed and gives you the surplus.

How to Apply for Car Title Loans In Virginia (Alexandria, VA)

Need a loan fast? You can get your loan in your bank account within a matter of days!

Follow our steps below:

#1 Get The Required Documents

First, you need to provide documents to prove your identity and vehicle. Usually, the loan process will require the following:

  • Personal information
  • Contact information
  • Financial information
  • Proof of income
  • Proof of residency
  • Identification
  • Car details
  • Car insurance
  • Vehicle title
  • Vehicle photos

These requirements may vary depending on the location and loan company. You can expect more or less of the same requirements in Alexandria, VA.

Does Credit Matter With Car Title Loans?

It depends!

There are loan companies that do not perform credit checks. As a result, your credit score won’t factor in the loan processing.

HOWEVER, there are also loan companies that still perform credit checks. In these cases, there is a chance a bad credit score won’t affect your loan application.

We’re not going to lie, though. A good credit score greatly increases your chance to get the loans you need in Alexandria, Virginia.

Though your credit alone doesn’t mean you’ll have a pre-approved loan, it may open doors for better deals and discounts.

How Should My Car’s Condition Be To Qualify for a Title Loan?

You may have noticed that the requirements ask for your vehicle details and photos.

Ideally, your car should be in the best shape possible.

  • The exterior shouldn’t have any scratches or dents.
  • The interior should be free of any holes and rips as well.
  • If the lender doesn’t ask for photos, they may conduct an in-person inspection. So, no, you can’t pass off a different car as your own in the photos!

It’s also a plus if your car has had extra upgrades or a new paint job. Owning a vintage or classic vehicle is a bonus on your end. The loan amount you can get will be much higher.

Aside from photos, you’ll need to provide insurance information, the vehicle year and model, and equity.

How Does Equity Factor In?

Equity can affect the final approval for your loan.

Get a motor vehicle appraisal before you apply for title loans. You may be in a negative position if you have payments leftover in your car.

What If I Don’t Have a Title or Financial Information?

Some borrowers don’t have their auto title on hand. Some are unemployed residents who don’t have the financial information to get through the approval process.

You can still apply for a loan without a title or the usual financial information.

If you don’t have a title, be honest with your lender. You can discuss your options then.

If you don’t have your proof of income, other documents can be substitutes. Bank account statements are good examples. What’s important is that you demonstrate ability to pay off the loan.

These missing requirements mean the process won’t be as smooth, but your loan can still go through. It will face conditional approval as lenders review your documents.

#2 Go to the Title Loan Lender or Apply Online

Do you have all your requirements? It’s time to apply for your title loans!

Title loans serviced in Alexandria, Virginia, are usually done in person.

However, you may not be near featured locations or can’t get to the lending company during their service hours.

You can also opt to apply online. You might face technical problems, but title loans will still be successful! Just send over your documents and talk to the lender online or phone.

If you apply online, you skip lines and enjoy faster service, too.

#3 Wait For Approval

After you’ve passed all your documents and talked about the terms with your lender, your application will be for pending review.

With title loans serviced in Alexandria, Virginia, approval can take a business day or two.

However, most lending companies will decide within the day.

#4 Get Your Cash!

We’ve gotten to the fun part! Once you’ve finished providing acceptable property, your documents, and agreed to all terms, you can get your loan.

You may be provided a funding time and a set business day to expect your cash. You can opt for a direct deposit or pick it up at the lender’s specified location in Alexandria, VA.

How Can a Car Title Loan Help Me?

Title loans are generally avoided because of the high-interest rate. However, it remains a popular way to get emergency cash.

Car title loans are high-risk, but that doesn’t mean they don’t come with benefits.

  • You do get your much-needed money pretty instantly. The loan processing time won’t take too long, and approval isn’t hard to come by.
  • Unemployed residents, those lacking a title, or borrowers with bad credit still get a shot at getting the minimum loan they need.

As long as you’ve done your due diligence, a title loan is safe and secure for whatever needs you may have at the time.

Pay off medical bills, use them for household purposes, and boost your small business with the money!

Get a reputable lender in Alexandria, VA. Make sure you know all about the laws that protect you when getting title loans in Alexandria, Virginia, too!

Regarding laws, let’s move on to the legalities and things you should know about title loans serviced in Virginia.

Car Title Loans: Things to Remember in Alexandria, Virginia

Car title loans vary from state to state. Alexandria, Virginia, is no different!

You need to keep in mind some things before you apply for auto title loans in Alexandria.

#1 Virginia’s State Corporation Commission Will Keep You Accountable

The State Corporation Commission regulates all business and economic affairs within the state.

With car title loans, the SCC wants both borrowers and lenders to know their rights.

Before you go through the loan process, there must be a written agreement between you and the lender.

  • You want to make sure both of you are legal adults entering the agreement.
  • Ensure all the terms are clear to each of you, and there are no hidden fees involved.
  • The lender has to let you know about the risks title loans come with and how they’re within their rights to repossess your car.
  • In turn, you get to make sure the lender follows the laws in Alexandria, VA, before and after giving you your loan money.

#2 The Money Can’t Be More Than 50% of Your Car’s Market Value

Adjust your expectations when receiving a car title loan!

The cash you get won’t be more than 50% of your car’s value.

After all, the loan proceeds go to selling your car and covering the money you owe the lender, plus interest.

#3 The Loan Term Can Only Be Within 4 to 12 Months

Unlike Virginia, nearby states only give you 30 days to repay your loan.

However, title loans serviced in Alexandria, Virginia give you 120 days to a whole year! You also have to pay the money back in monthly installments of the principal and interest.

#4 No Renewals Or Rollovers – Ever

The long loan term does come with a drawback.

In other states where 30 days is the norm, you get the chance to pay off the interest and roll over the principal to the next month.

However, Virginia has a set loan time period – a minimum of four months and a maximum of a year. Once you decide on a loan term, you won’t face any more technical problems.

You only have to accept that your loan cannot be renewed, extended, or rolled over.

If you haven’t paid off the owed money by the end of the term, expect your car to be repossessed!

#5 You Can Repay Early

Some states penalize you for repaying your loan early. This isn’t the case in Alexandria, Virginia.

You can lower your interest by repaying your loan as early as you can manage.

A lender can’t refuse early payment or partial payment.

#6 There Are Interest-Rate Caps

Other states also have unregulated interest rates going around. However, Alexandria, VA, differs by having a set interest rate of 22% a month. Look at the following guide for more details:

  • For loans up to $700, the interest rate is 22% per month
  • For loans up between $701 to $1400, the interest rate is 18% per month
  • For loans $1400 and above, the interest rate is 15% per month

#7 You Get a 15-Day Heads-Up

If you do have your vehicle repossessed, don’t worry. The lender will contact you in writing at least two weeks in advance.

You won’t be kept in the dark! The lender will inform you when your car may be sold and how much money you still owe.

During the 15-day period, you can pay off the loan to get your car back.

If not, the car is sold. The lender will give you the sale surplus, but keep the owed money for themselves.

In Conclusion

Instead of settling for a bank loan or credit union, you can get much faster service with auto title loans.

Title loans serviced in Alexandria, VA, provide secure funding backed by your title loan.

How much cash you get will be based on your car’s condition and market value. Getting approval and the actual cash is much easier than you think, too!

We hope this article helped you get a title loan in Alexandria, VA. Are you getting your own soon? Let us know!

Related Locations


311 N Henry St, Alexandria, Virginia 22314
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2611 Shirlington Rd, Arlington, Virginia 22206
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4601 Columbia Pike, Arlington, Virginia 22204
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Have a bad credit score?
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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

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