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Home > Washington > Bellingham

Title Loans in Bellingham , Washington

How much cash can i get

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Location Information:

MC representative


802 Marine Dr
Washington   98225

Working hours

Mon - Fri: 9am - 7pm

Saturday: 10am - 5pm

Sunday: Closed


Title Loans up to $50,000


Montana Capital Car Title Loans Reviews

Facing a situation where I didn't have the physical title, this company provided a solution for a title loan without title. Their understanding and flexibility made a significant difference.
Edgar Taylor
Edgar Taylor
Facing a situation where I didn't have the physical title, this company provided a solution for a title loan without title. Their understanding and flexibility made a significant difference.
Edgar Taylor
Edgar Taylor
If you have low credit yet need access to payday loans quickly, this organization is your best bet. They quickly and easily provided me with long-term title loans, the money I needed.
Malcolm Camacho
Malcolm Camacho
Montana Capital Car Title Loans consolidated my personal loans with car title loans into one direct lender and gave me money faster. I was hesitant to pawn my car, but the loan for salvage title vehicle process was so easy that I kept it.
Zakary Bruen
Zakary Bruen
At first, I was apprehensive to obtain a title loan, but this company allayed my concerns. Just when I needed it most, their search result for "best place to get a title loan near me" appeared. The interest rates were unexpectedly low, and the entire process took less than an hour. Thank you Montana Capital Car Title Loans!
Lawrence L. Manley
Lawrence L. Manley
Getting cash for my car title was a decision I'm thankful for every day. This company understood the value of my vehicle and offered a fair deal. It's a relief to have them as a financial partner.
Michael Russell
Michael Russell
I was hesitant to take out a title loan at first, but this company put all my doubts to rest. Their best place to get a title loan near me search result popped up when I needed it most. The whole process took less than an hour, and the interest rates were surprisingly affordable.
Harriet Ross
Harriet Ross
Getting a loan can be daunting, but these guys make it easy. The application was straightforward, and the staff was friendly and helpful throughout.
Ellen Marshall
Ellen Marshall
When I had unforeseen expenses, I turned to these title loan lenders for help. Due to their efficient service and transparent terms, the process was straightforward. I was able to get the money I needed without having to deal with any unnecessary obstacles.
Colleen Scott
Colleen Scott
I sought assistance from these title loan lenders when I had sudden expenses. The process was simple because to their effective service and clear terms. I was able to obtain the monies I required without encountering any unneeded difficulties.
Myrtle Fletcher
Myrtle Fletcher
This loan company is a game-changer! I was hesitant about using my car title for a loan, but their trustworthy team explained everything clearly and put my mind at ease. The loan application was straightforward, and the approval was surprisingly fast. Thanks to them, I could handle my financial emergency without stress. Really impressive!! Highly recommended!!
Whitney Reyes
Whitney Reyes
I searched for 'cash for title loan near me' and found this loan company. They offered a convenient and reliable solution by providing a loan against the title of my vehicle. Their prompt service and friendly staff made the entire process seamless.
Andrea Peterson
Andrea Peterson
This loan company understands the importance of accurate vehicle valuation. They used Kelley Blue Book (KBB) to provide me with a fair loan offer based on my vehicle's worth.
Roger Gardner
Roger Gardner
I received a clear vehicle title from this organization, which made it simple for me to apply for a loan. They were dependable and competent, and I would suggest them to anyone seeking for a loan.
Jodi Alvarez
Jodi Alvarez
I had a great experience with this loan company. I got a motorcycle title loan and the process was very quick and easy.
Marie Owens
Marie Owens
I was in a bind and needed some quick cash, and this loan company came through with the best loans. They were quick, easy to work with, and got me the money I needed even for bad credit.
Ian Rodriquez
Ian Rodriquez
I am very happy with the two-car title loans I got from this company. The process was very smooth, and the staff was very professional.
Nicholas Martinez
Nicholas Martinez
I found Montana Capital Car Title Loans to be a very professional and helpful company. They provided me with the loan I needed quickly and with no hassle. I would definitely recommend them to anyone in need of a title loan.
Ernestine Hicks
Ernestine Hicks
I was in a tough spot when I realized I had bad credit and didn't have enough money to cover my expenses. But thanks to this loan company, I got two payday loans, and my finances were back on track!
Pam Harris
Pam Harris
I had been searching for a pink slip loans store near me and a friend of mine recommended their company. I was skeptical at first but they were able to give me an excellent offer on title loan, with which I am still very happy. The paperwork was all handled by the agents and they approved my pink slip loans within 1 hour! I highly recommend them fr their honesty and dedication!
Danielle Shelton
Danielle Shelton
This company is a lifesaver! I needed cash fast and they were able to help me out without even needing my title! They're interest rates are also very reasonable. I would definitely recommend them to anyone in need of a loan.
May Stewart
May Stewart
I needed money fast and I found 24-hour title loans near me. They were able to loan me the amount of money I needed at a great interest rate and I was able to get the money I needed within 24 hours.
Teri Byrd
Teri Byrd
Their installment loans online for bad credit services are excellent. They are great loan providers and made the whole process easy.
Mona Matthews
Mona Matthews
My experience with this company was excellent. I applied for easy loans with this company. It was a very quick and easy process from thereon. The team helped me with all my concerns and queries within a week.
Mabel Cook
Mabel Cook

3 Easy Steps to Get a Car Title Loan in Bellingham

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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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Have your money sent directly to your bank, debit card or pick up your money at any MoneyGram location near you.

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The vehicle’s title

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  • Apply online or call us
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  • Get the cash loan
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Car Title Loans in Bellingham, WA: What You Must Know to Secure Cash ASAP

Money makes the world go round, but it can also be a source of worry.

If you have some unexpected expenses, then a loan has probably already crossed your mind. If you need a loan quickly, title loans may be something you’d want to consider.

But what exactly is an auto title loan, and how do you get one? Keep reading this article for more information on auto title loans!

Car Title Loans: Definition

Title loans, a.k.a., car title loans, auto title loans, and pink slip loans, are a type of loan that uses your car as COLLATERAL. 

The advantage these loans have over other loan types you can get your cash quicker, and they are more lenient when it comes to credit scores.

Why Should I Get an Auto Title Loan?

The main reason you would want to get a loan will be if you need cash. This would be mainly for emergencies.

Sure, payday loans are an option, but do you really want to lose your pay as soon as it arrives? Car title loans allow you to pay it back slower, making it better for more costly expenses.

People would usually get a loan for medical emergencies or family emergencies. So we wouldn’t suggest you getting any loan to buy a new flat-screen TV.

So What Are the Advantages of Getting a Title Loan?

Since auto title loans use your car as collateral, they’re less strict regarding the credit requirement. This means that it’ll be easier to have a title loan approved rather than a bank loan.

Another reason you may want to consider a title loan is they get approved quicker than other types of loans. And compared to a payday loan or cash advance loan, you can pay for it slowly.

The Annual Percentage Rate (APR) can vary quite a lot. So be sure you’re aware of what interest rates you’re being offered. The average APR for car title loans rests at around 300%.

So if you are thinking about applying for a loan, make sure it’s for a NEED and NOT personal WANTS!

Pink Slip Loans in Bellingham, WA: Step by Step Loan Process

If you decide to get a car title loan, applying for it in Bellingham is easy! Here’s the loan process for a car title loan in Bellingham, WA.

1.) Call or Fill Out the Online Application

Firstly, you would want to find a good lending institution. You can easily find one by searching “car title loan in Bellingham.”

Some loan companies provide extra services to their customers, so be on the lookout for companies that go the extra mile.

Also, take note of the payment options. You want to find a company that is convenient to pay.

You don’t need a bank account because you can wire money through Western Union or Moneygram in some cases.

Once you find a good company you’d trust with your car title and finances, call their hotline or apply through their website online. 

Once you submit your application, a loan officer should be in touch with you soon! The application can be approved in as little as 15 minutes.

Make sure you know all the information you need about car title loans by the end of the call. Be sure to clarify the interest rate, the payment method, and other charges.

2.) Prove You Own Your Car: Submit Documents

Once your application is approved, the lender will ask you to submit some documents. This is just so that they know that you own your car and to prove your identity.

A good lender will also make sure you’re capable of paying back your loan, so they’re going to ask for proof of income as well.

Here are documents you will need to apply for car title loans:

  • Vehicle title or pink slip
  • Your ID
  • Proof of Income
  • Vehicle registration papers and insurance papers

The sooner you submit your papers, the sooner you’ll get your money!

3.) Get Your Loan Money

Once you submit your paperwork, you should be able to get your loan money!

This will MOST LIKELY be made available through MoneyGram. Your lender can also wire the money to your bank account. 


Do you still need more information about title loans in Bellingham? Here are some answers to frequently asked questions about topics from the Bellingham laws to the process!

Are Car Title Loans Legal in Bellingham, WA?

Yes, it is perfectly legal in Bellingham. 

However, it is important to note that car title loans are not legal in ALL states.

Because it’s legal in Bellingham, you can be sure that you’re NOT getting into sketchy business when you apply for a loan from a reputable company.

Although, Washington lenders don’t have many restrictions regarding what they can charge. So be wary still of the rates given.

How Do Auto Title Loans Work in Bellingham, Washington?

Like most car title loans in any other state where it’s legal, you will have to surrender your title to receive loan approval.

There is NO LIMIT to how much money a lender can loan for a vehicle. So the borrower and the lender will have to agree on the amount offered by the latter.

The lender may apply cash advance fees. There are NO RESTRICTIONS regarding the number of additional charges that can be added to the loan.

Are Car Title Loans a Good Idea?

This entirely depends on your circumstances. If you need cash for unexpected expenses, then this may be the solution for you.

It can be BETTER than payday loans in the sense that you can pay it back slower and can potentially get higher loan amounts.

HOWEVER, WE MUST WARN YOU that if you get a title loan, you NEED to have a steady income so that you’re able to make regular payments. 

You also need to make sure you’re loaning from a reliable loaning company.

Can I Apply for Car Title Loans With Bad Credit?

YES, you can!

The whole point of using your car for collateral would be that they are MORE LENIENT with credit scores. But it’s important to note that a lender may still perform credit checks. 

Your credit history is important as well, though most times, the value of your car matters more.

They want to make sure you’ll be able to pay back the loan, so credit history could definitely be a factor in your application.

They are free to call any credit union they prefer. You may have to contact any point person from that particular credit union to have your credit UNLOCKED.

Furthermore, people with a more reliable credit history will get BETTER service and interest rates. So while you can apply with bad credit, there is no guarantee that your loan will be approved.

It can be rejected because of your credit or because the collateral amount was TOO LOW. After all, they’re a business. They would go bankrupt if no one paid back their loans!

At the very least, they are LESS STRICT about credit with title loans than they are with car bank loans.

What Title Loan Amount Can I Get in Bellingham?

The loan amount usually depends on the value of your vehicle. You can usually get 25% to 50% of your car’s equity value.

The average loan amount is $100 to $5,500, but some lenders may even loan up to $10,000.

What if I Can’t Pay On Time?

If you don’t pay on time, the interest rates are going to be insane. In fact, there’s a RISK of them repossessing your vehicle. 

If ever you’re having trouble paying, we suggest you call their customer service and come up with a compromise or solution.

To avoid this, be mindful of the amount of money that you loan, as well as the amount you’ll be charged in the interest rate and other charges as soon as they process your application.

Will a Title Loan Application Affect My Credit?

Your lender may conduct a credit check, which could potentially change your credit score. If there is no credit check done, then there won’t be any effect on your score.

Other than the application process, it should not affect your score.

What Happens if I Miss a Payment?

Most lenders will give you monthly payments. If you miss these payments, lenders can mark you as delinquent.

The worst-case scenario is your lender can take your vehicle at any given moment. 

They would do this to auction it off and use the auction value to pay off part of your loan. You’re still responsible for the rest of the balance, so it’s best not to get in this situation.

If you’re having a hard time paying, make sure you contact your lender so that you can negotiate the terms.

What Should I Do if My Vehicle Is Repossessed?

The first thing you’d want to do is to prevent it. You have to pay regularly and comply with the agreement.

Assuming you failed to do so, there really isn’t much else to do but try to pay back the rest of your loan.

When your vehicle is taken, it’s auctioned off, and the auction money is used to pay back some of the loan money. 

However, it’s usually not enough to completely pay for it. So you’re left with having to pay the remaining balance.

TLDR, make your payments.

How Can I Hide My Vehicle From Repossession?


If you find yourself in this situation, hiding your vehicle is not only illegal but useless.

You can try hiding it in your garage or at a friend’s, but the lender is most likely going to constantly pester you.

In addition, you could face CRIMINAL PENALTIES trying to hide your vehicle from the lender.

In short, it’s best not to do this.

How Do I Know if My Assigned Lender Is Legit?

Usually, legit lenders can be found on Yelp and have good reviews there. You also should be mindful of the interest they charge. Make sure it’s REASONABLE.

Reputable lenders would have a particular process in which they do things as well. Be wary of loan sharks that mask themselves as title loan lenders.

How Old Can My Vehicle Be to Apply for Title Loans?

Lenders don’t normally care so much about the age of the vehicle. What matters more when you apply for title loans would be the value. 

So you could have an old vehicle, but if it has a good value, low mileage, and is in running condition, it will most likely qualify for title loans.

How Can I Legally Get Out of Title Loans?

Okay, maybe you’re halfway in, and you’re starting to regret taking loans, and you want to get out of your situation. There are a few ways to do this.

You can pay off your title loans early. A good lender should have no problem with you paying off your loans. If you pay for it earlier, then you will have less interest rate to worry about.

If you can’t pay off your title loans right away, then you can try to negotiate your terms. There’s no guarantee that lenders will be willing, but it doesn’t hurt to try.

Maybe you could get a break in paying or lower interest. You can take a refinance loan instead. These require HIGHER credit scores but have LOWER interest rates.

If your credit score has improved, you can get out of title loans by paying them off using a different loan.

Lastly, you can try debt management. You can have a non-profit agency help you negotiate your terms and develop a Debt Management Program.

Is It Hard to Apply for Title Loans?

As long as you fully own your vehicle, it should be relatively easy to apply. This is considered fast money, so you should also be able to get it fairly quickly.

The interest rates are pretty high compared to other loans, so it pays to do your research on lenders if you want to get title loans WITHOUT any hassle whatsoever.

Also, be mindful of your payments. You don’t want them taking away your vehicle!

Final Thoughts

A title loan can be your saving grace, especially if you have some unexpected expenses. But be mindful when going about your loan.

Make sure you find a reputable loan company and make your regular payments, or you risk losing your car!

Wow! What an information overload! To summarize, here are some tips:

  • Research the loaning company well.
  • Pay your loan regularly.
  • Be aware of the interest rate when you apply.
  • Only loan if you’re in need.
  • Get a company that offers the payment options you want.
  • Figure out how much money you need.

We hope you got all the necessary information about title loans! We wish you luck with your loan process!

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