Title Loans in San Luis Obispo

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Home California San Luis Obispo

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Over 375,000+ People Helped Since 2007
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Locations in San Luis Obispo

3536 S. Higuera ste 230
San Luis Obispo, CA 93401
(805) 491-9217
View the Location page →

What San Luis Obispo Customers Say About Montana Capital

Excellent
5.0
Betty R.
1 year ago
Short wait
Penny M.
1 year ago
Since I have no credit, I must admit that I didn't have high expectations. However, it was easier than I thought to obtain fast loans in San Luis Obispo without any credit. The approval process was quick, and the following morning, I had the money.
Sahil A.
2 years ago
The fast loans service was fantastic; I was able to get the money I needed quickly and easily when my application was accepted. Customer support was fast and friendly, so the procedure was smooth.
aung L.
2 years ago
Montana Capital Vehicle Title Loans in San Luis Obispo stands apart from the competitors! Their personnel made the application process as simple as possible and gave fair conditions. They are now, without a doubt, my first choice for assistance with money issues.
Duncan J.
2 years ago
San Luis Obispo's Montana Capital Vehicle Title Loans really distinguishes out from the competition! Fair conditions were provided by their staff, who also made the application procedure as easy as possible. They are now without a doubt my first option when it comes to helping with financial problems.
christianto Y.
3 years ago
Montana Capital Car Title Loans provided outstanding service with their cash loans on car titles, offering competitive rates and a seamless process. Their efficient process and friendly staff made it easy to leverage my car's value for the funds I needed, making them my top choice for car title loans.
Stephanie S.
3 years ago
Montana Capital Car Title Loans in San Luis Obispo truly stands out from the crowd!! Their staff offered fair terms and made the application process as seamless and possible. They have certainly become my go-to choice to cover the financial solutions that need assiatance.
Monica G.
3 years ago
Whether you're new to title loans or experienced, this company's seamless application process, fair terms, and quick approval make them a go-to choice for those in need of fast financial solutions.
A Google U.
3 years ago
Montana Capital Car Title Loans provided excellent service when I needed cash loans on car titles. The straightforward process and fair terms made them a reliable choice, ensuring I got the financial support I needed without any hassle.
Lindsay R.
3 years ago
I've had my classic car for years, and it's more than just a vehicle – it's a piece of art. So when I needed some work done on it, I knew I couldn't risk losing it to a regular loan company. That's when I found this company that offered salvage title loans. They understood the value of my car and gave me a fair loan amount based on its condition. Thank you so much!!
Richard B. R.
3 years ago
This lender helped me get approved for a car loan when other lenders wouldn't have since I'm a rideshare driver with ordinary credit. For those like myself with less than ideal credit, their VIP title loans are ideal. Thank you Montana Capital Car Title Loans!
Marion L.
3 years ago
I was hesitant about getting a title loan, but Montana Capital Car Title Loans' swift title loan process set my mind at ease. I quickly obtained the funds I required. Thank you so much!!!!
Ella H.
3 years ago
When I needed money urgently, I turned to this loan company for a payoff title loan. Not only did they approve me quickly, but they also gave me a competitive interest rate and a comfortable repayment schedule. Their customer support team was super helpful throughout the whole process as well. Thank you very much!
Chris H.
3 years ago
I've had my classic car for years, and it's more than just a vehicle – it's a piece of art. So when I needed some work done on it, I knew I couldn't risk losing it to a regular loan company. That's when I found this company that offered salvage title loans. They understood the value of my car and gave me a fair loan amount based on its condition. The interest rate was higher than usual, but it was worth it for the peace of mind knowing my baby was safe.
Rose H.
3 years ago
As a rideshare driver with average credit, this lender got me approved for a car loan when others wouldn't. Their vip title loans are perfect for people with less than perfect credit like me.
Rosemary R.
3 years ago
I was hesitant to take out a title loan, but Montana Capital Car Title Loans quick title loan process put my mind at ease. I got the cash I needed in no time.
Nicole M.
3 years ago
I got a title loan today from this company with great rates. The process was quick and painless.?
Geraldine B.
3 years ago
I was worried that my bad credit would prevent me from getting a loan, but this company's personal loans for bad credit were a game-changer. They offered me a solution when I needed it the most.
Julia M.
3 years ago
I had experienced multiple title loans in the past and was uncertain if I could obtain another one. Fortunately, this loan company was understanding and informed me of their regulations. They elucidated how many title loans I could have based on my circumstances. I am immensely appreciative for their suppleness and willingness to work with me. I would highly recommend them for their accommodating approach.
Jenna F.
3 years ago
Discovering this loan company was a game-changer for me. Their efficient process and personalized service made getting the loan I needed a breeze. They truly care about their customers.
Carla B.
3 years ago
I had a great experience with this loan company. They were able to give me a loan even though I have poor credit. They were very professional and helped me through the entire process.
Jessica C.
3 years ago
We are extremely happy with the service we received from the loan company. They were able to get us the Kelley Blue Book value for our car, and we couldn't be happier.
Kathy S.
4 years ago
I was in a tough financial spot and needed cash fast. That's when I found the car title loan amount option at the loan company. It was exactly what I needed - fast and easy. The process was simple and straightforward, and I was able to get the cash I needed in no time. Highly recommend!
Gracie S.
4 years ago
I am very happy with the loan company. They provided me with a fast loan and the process was very simple. Great service, skilled staff!
Tommy H.
4 years ago
I have gotten many title loans from their company near me, and I can say with full confidence that they are the best place for title loans. The process is quick and easy, and you get the money you need on time.
Sonja R.
4 years ago
I used this loan company's online second lien title loans service. The terms and circumstances were excellent, and I was able to obtain the required loan amount. I had no trouble repaying the loan because of how flexible the repayment period was. Overall, I'm really happy with the lending services this firm provides.
Stephanie R.
4 years ago
I was very concerned when I discovered that I needed a secured loan to cover some unexpected expenses. I knew my credit was bad, so I assumed I was out of luck. But I was overjoyed when I learned about your company's secured loans for bad credit. The procedure was simple, and I received the funds I required quickly. Thank you for your help.
Noel O.
4 years ago
The representative who guided me through the online installment loans for bad credit application process answered all my questions patiently.
William C.
7 years ago

3 Easy Steps to Get a Car Title Loan in San Luis Obispo

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01

Apply now

Apply either online or by phone. Montana Capital is here to help you get a loan using your car title as collateral - fast and secured!

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02

Get approved

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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03

Get your cash!

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

Process

  • Apply online or call us
  • Get approved
  • Get the cash loan
  • Keep driving your vehicle

Requirements

Identification

The vehicle’s title

Personal details

References

Ability-to-repay

Benefits

Get up to $50,000

Fast, secure & free quote

Online process 24/7

Bad credit – OK

Keep driving your car

Title Loan Statistics in San Luis Obispo, CA

$5,017

Average Title Loan in California

$10,622

Average Vehicle Value

4,675

Loans Funded in 2025

47.2%

Average Loan-to-Value

Based on 4,675 title loans funded in 2025

Most Common Vehicles for Title Loans across California

Vehicle Make Avg. Year Avg. Mileage # of Loans
Toyota2015132,474 mi822
Honda2016116,212 mi521
Chevrolet2013123,687 mi492
Ford2014128,318 mi453
Nissan2017135,205 mi296

Recent Title Loans Funded in California

The table below shows actual title loans funded in California. Amounts vary based on each vehicle’s make, model, year, and condition.

Year Make Model Miles Funded Amount
2009ChevroletSuburban115,000$2,525
2021Mercedes-BenzGLE32,000$4,336
2016JeepGrand Cherokee155,000$7,015
2012Land RoverRange Rover Sport101,000$3,015
2018NissanRogue156,000$3,478
2016DodgeDurango95,000$2,525
2018GMCAcadia75,000$9,915

Frequently Asked Questions About Title Loans in San Luis Obispo, CA

I live elsewhere on the Central Coast, not in the city of San Luis Obispo. Do you still serve my area?

Yes. The county is spread out along the coast and up the 101, so we built the process to work from a distance. Our office is on South Higuera Street, and we regularly help people from across the area, including Paso Robles, Atascadero, Arroyo Grande, Pismo Beach, and Morro Bay. You do not need to drive in to apply. You can do the whole thing online and get pre-qualified, with any in-person vehicle check set by appointment.

Can I get a title loan on an RV in San Luis Obispo?

Yes. Along with cars and trucks, we fund RV title loans, which can make sense on the Central Coast, where a recreational vehicle is often a big part of what someone owns. We look at the RV’s value, age, and condition, a clear title in your name, and your ability to repay. Larger, well-kept RVs can support sizable loans. Send us the details and photos online and we will give you an idea of what yours could support.

What happens when I finish paying off my title loan in San Luis Obispo?

Once you make your final payment, the loan is closed and we release our lien on your vehicle. The title is then cleared back to you, with no remaining claim from us. We will walk you through how to update the title with the California DMV so the record shows the lien removed, and you will receive confirmation that the loan is paid in full. After that, the vehicle is fully yours again.

Shir Amram
Written byShir AmramMontana Capital editorial team

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