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Title loans in Broken Arrow, OK

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Mon - Fri:

9am - 7pm
10am - 4pm


Mobile Concepts

409 N Aspen Ave #102

Broken Arrow

74012 OK

Services available

Service type

GPS Installation Centers

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

Start your loan process at this GPS Center

How it works


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Montana Capital Car Title Loans 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.

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Great customer service

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

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Loans for low credit score

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

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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.

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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.

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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!

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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 Broken Arrow

You are probably reading this article because you are in a financial bind. There is an easy way to acquire cash AND avoid the embarrassment of borrowing money from family and friends.

Just apply for a car title loan in Broken Arrow, and you can get fast money without having to rely on anyone.

It is easy, fast, and it does not have strict loan requirements like banking institutions. 

How Do Car Title Loans Work?

Car title loans or auto title loans are short-term loans in which a borrower pledge their vehicle title as collateral to secure the loan.

It simply means that the lender temporarily holds the title of your car during the term of the loan as security until you pay off your debt.

The advantages of a car title loan are the following:

  • The application process is fast, and it can be approved in 15 minutes or less.
  • You can still drive your car around even if your car title with the lender.
  • You don’t need to have a bank account to apply.
  • You can still apply even if you have a low credit score.

We don’t judge your credit score! As long as you have a car under your name and the required documents, your car title loan application will be readily granted!

However, these are some of the disadvantages that you should be aware of:

  • High-interest rates and short-term payment periods
  • Lenders repossessing your vehicle if you have defaulted payments

Aside from air, nothing in this world is free! Since auto title loans have a lenient loan application, it is only natural that the higher the risk, the higher the interest rates.

Credit scores do not usually matter in motorcycle title loans because the high interest rates cover the risks.

This ensures that lenders are protected when the borrower defaulted in payments aside from your protection.

What Do I Need to Apply for a Car Title Loan in Broken Arrow?

Car title loans application usually has the same requirements. In Broken Arrow, Oklahoma, you need to have the following documents:

  • A car title to ensure that you have absolute ownership over the vehicle
  • Proof of steady income
  • Valid government-issued ID
  • Valid driver’s license
  • Oklahoma residence
  • You must be at least 18 years old

To qualify for the title loan process, you must be of legal age or at least 18 years old. You can’t apply for a loan if you are a minor!

In addition, you need to show proof of income. But it does not mean that you need to be employed.

As long as you can show proof of income from any source (i.e., alimony, disability benefits, child support), you can apply for auto title loans.

See how easy it is? You don’t need to exert much effort to obtain these requirements! You probably have them with you currently.

Now That I Have All These Requirements, How Do I Apply?

Is Patience not your strongest virtue? No need to wait! An auto title loan application is as easy as ordering your favorite fast food. The loan process in Broken Arrow can be done in 15 minutes!

One way of applying is online. You need to state how much you need and show the specifications of your car.

Usually, a credit check is not needed, but it’s best to prepare if your lender performs one.

If you prefer to talk physically with an agent, you can visit personally any title loans lending company. 

As long as you have all of the requirements, your loan is guaranteed approval.

If you have any questions, call our customer service, and we will help you with your application.

Do I Need to Present My Vehicle for Inspection?

The answer is a resounding yes! Auto title loans require physical vehicle inspection to determine your car vehicle and the amount you can borrow.

However, your auto title loan can be approved in online applications without a physical inspection if you present the necessary documentation and car specifications.

Bad Credit? No Problem

By nature, car title loans appeal to people with a bad credit score.

However, this means that the lender is assuming a higher risk in taking the loan. That’s why car title loans have high interest!

Is There a Limit in the Amount That I Can Borrow in Broken Arrow?

Like in any other State, loan amounts can vary depending on your car value or the statute.

Likewise, there is a limit in the car title loan amount that you can borrow in Broken Arrow, Oklahoma.

The Oklahoma Statutes on auto title loans states that the maximum loan amount for car loans is $500 in Broken Arrow, regardless of your car’s model, mileage, and make.

But the same law also states that the LOWEST or MINIMUM amount of money you can borrow in Broken Arrow is $100 (regardless of how old your car is!).

Moreover, under Oklahoma title loan laws, lenders are allowed to charge 360.00% APR.

The State of Oklahoma imposed these limitations to protect borrowers from predatory lending.

My Auto Title Loan Is Approved. What Should I Do Next?

After loan approval, you will get your money right away. Don’t just celebrate! Remember, you still have to comply with the following obligations:

  • Make sure that your vehicle title is lien-free during the term of the loan
  • Pay back the money within the contract term
  • Protect your title loan contract

Although you are still free to take your vehicle for a spin, you cannot apply for another title loan to pay off your current loan.

Your vehicle should remain lien-free, aside from the lien you acquired in borrowing this loan.

Likewise, you should pay your debt within the period stipulated in the contract. Auto title loans have a fixed term to pay your debts.

If you do not pay on time, you risk your vehicle getting repossessed!

How Long Do I Have to Pay Title Loans in Broken Arrow?

Like its loan amounts, loan terms of title loans in Broken Arrow are also fixed by statutes. You must pay the loan within 12 to 45 days. No more and no less.

No need to rush! Since the duration has a minimum and maximum period, you cannot pay before 12 days and after 45 days.

This is imposed for the benefit of both the borrower and the lender.

The lender cannot make the borrower pay earlier than 12 days, and at the same time, the borrower cannot also pay beyond 45 days.

What Happens if I Cannot Pay on Time?

Defaulting payments or failing to pay the lender on time will entitle the lender to repossess your vehicle.

If that happens, the lender can sell your car in an auction and apply the sale proceeds to your loan.

Aside from defaulting in payments, the lender can repossess your car if you violate the terms and conditions of your contract.

What Will Happen if My Car Title Loan Contract Was Loss or Destroyed?

If your car title loan contract was lost, destroyed, or stolen, you should immediately inform the lender in writing. After this notice, the lender will admit the original document invalid.

After your written statement of the loss, destruction, or theft of the agreement, the lender will sign it, and you may be charged an additional fee of about $5.

Should I Trust Title Loans in Broken Arrow?

It is only reasonable to feel doubtful in matters involving money. To check off one of your worries, we will introduce you to lenders’ regulations of title loans.

Check if your lender is licensed. The Oklahoma Statute on Title Loans states that lenders must be a license to have a legal personality in extending title loans.  

Likewise, they should pay a license fee annually.

Your rights will be protected, and quality service will be guaranteed if you contract with a licensed lender!

If there are future violations, you can file a complaint against the licensed lender. So don’t have trust issues because you don’t need to be one of the financial experts to know that you are protected.

Should I Get a Payday Loans Instead of Car Title Loans?

It depends on what you need. Both of these loans have pros and cons.

Like car title loans, payday loans are a type of short-term credit that extends a high interest depending on your income.

A payday loan is an unsecured type of loan which means that there is no collateral needed. Like car title loans, you can acquire payday loans instantly. The lender will give the cash on the same day.

However, unlike an auto car loan, a payday loan charges a much higher interest. Since it does not usually require collateral, it assumes a higher risk, which means the rates are also HIGHER.

You can write a check dated on a later day.


  • Collateral is generally not needed
  • You can get your money on the same day
  • Fewer formalities compared to a loan obtained on a bank


  • You might need to disclose your employment status
  • You lose more cash on interest compared to auto title loans

This type of loan might use your wage as collateral. Meaning, every time you get your salary, money may be deducted to pay off your loan. To do this, you need to disclose where you work.

Lastly, this type of loan is dangerous since its interest rate can go as high as 780% in APR. That’s a lot of money spent on interest!


And there you have it! Now you have the money to save you from emergencies and financial difficulties.

Applying for title loans is smooth, straightforward, and stress-free. As long as you have a clear car title under your name, you can apply for a loan and get the cash you need.

Yes, there are downsides to this type of transaction. But what doesn’t? As long as you pay on time, you will have no problems.

You don’t need to worry! Broken Arrow protects its borrowers from lenders who abuse their rights.

The State imposes ceilings on loan amounts as a precaution for predatory lending.

Quick, safe, and easy!

If you are in a financial bind, consider applying for title loans!

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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