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Title loans in Alexandria

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

Title loans in Alexandria

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.👍👍
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.👍
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.
Cobble
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
4.6

Address

Angelos Car Audio

2900 Richmond Hwy

Alexandria

22305 Virginia

Service type

GPS Installation Centers

Start your loan process at this GPS Center

How it works

Advantages

Our main
advantages

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

Benefits

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

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!

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

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