Title Loans in Tracy

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Over 375,000+ People Helped Since 2007
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How much could I qualify for?

Get a free quote. It’s fast, secure, and simple.

Over 375,000+ People Helped Since 2007
Trusted & Accredited:

Locations in Tracy

508 East 11th Street
Tracy, CA 95376
(209) 546-6955
View the Location page →

What Tracy Customers Say About Montana Capital

Excellent
4.9
Raymond A.
12 months ago
When traditional lenders refused to even consider my application, their loans with no credit check in Tracy service came to my aid. Instead of credit history, they emphasize income and job stability. Suitable for those attempting to reconstruct their financial lives.
Valentino L.
1 year ago
I was almost out of options looking for loans in Tracy, but Montana Capital Car Title Loans gave me a shot when others didn’t. Julianna was so real—she didn’t make me feel bad and helped me look at the loan options. She answered everything and made me trust the process. The office was chill. More flexible payment reminders would be great, but Julianna made a tough day a lot easier.
Adrienne J.
1 year ago
I was almost out of options looking for really bad credit loans in Tracy, but Montana Capital Car Title Loans gave me a shot when others wouldn’t. Julianna was so down-to-earth—she didn’t make me feel ashamed of my situation and walked me through the loan options with total transparency. She answered every question without any sales pressure, which made me trust the process. The office was calm and welcoming. I’d suggest offering more flexible payment reminders, but overall, Julianna made a tough day a whole lot easier.
Pedro W.
1 year ago
The staff was competent and offered advice at every stage of the loan procedure!
ana O.
1 year ago
The team was professional and provided guidance throughout the entire loan process!
Andre S.
2 years ago
I came onto good installment loans when searching for a loan that wouldn't totally destroy my budget. Because I've had negative experiences with payday loans in the past, I was first a little cautious, but these installment loans were different. The repayments were divided into reasonable monthly installments, and the terms were transparent. I was able to stay on course without being overwhelmed because to it. The entire procedure was simple and stress-free, and I was able to use the loan to cover some much-needed home repairs.
Ram K.
2 years ago
I was pleased to find the nearest title loan service that provided fast and efficient assistance. The process was smooth, and I appreciated how close and accessible they were.
Jana M.
2 years ago
Need some cash for your rig? Montana Capital Car Title Loans can hook you up with semi truck title loans. Just bring in the title for your semi and they'll get you funded up lickety split.
Allan T.
3 years ago
When I needed cash urgently, Montana Capital Car Title Loans delivered with their same-day approval. The process was quick, and I got the funds I needed within hours. Reliable service during unexpected financial challenges.
Elizabeth H.
3 years ago
They delivered excellent service when I needed auto title loans. The process was quick, and their transparent terms made them a reliable choice for anyone looking for financial assistance using their vehicle as collateral.
Ruth B.
3 years ago
Montana Capital auto Title Loans provided the lowest-interest auto title loans I could locate. It's apparent that they put their consumers' needs first. Really impressive! Highly recommended!! Thanks a lot!!!!!!
Rosalie A.
3 years ago
The lowest-interest car title loans I could find were through Montana Capital Car Title Loans. It's clear they prioritize their customers' needs above all else.
Kurt W.
3 years ago
When I needed quick funds, I chose to borrow money against my car with Montana Capital Car Title Loans. Their seamless process and understanding of my needs allowed me to secure the financial support I required.
Dolores A.
3 years ago
If you're looking for a reliable title loan provider, look no further! These guys are the real deal. Their customer service is top-notch, and they really care about their clients. The application process was quick, and I got the money I needed without any stress. Thanks!!
Shannon L.
3 years ago
This loan company's check and title loans were a saving grace. They provided a seamless process, combining the convenience of a check and the flexibility of a title loan. It was the perfect solution for my immediate financial needs.
Mildred C.
3 years ago
During an emergency, fast cash title loans came in handy. This lending organization immediately processed my application, and I received the funds the same day. Strongly recommended!
Johnnie M.
3 years ago
I was in a bind and needed a loan fast. Luckily, I found this company that offers same day cash loans. The process was simple and easy, and I had the money I needed in my account by the end of the day. Thank you for your fast and reliable service!
Elena S.
3 years ago
I was in a difficult financial situation and needed money quickly. I went to this loan company and they were able to give me a loan using my vehicle title as collateral. The process was quick and easy and I was able to get the money I needed when I needed it.
Rosie H.
4 years ago
I was able to get a title loan even though I didn't have my registration with me. The staff at this loan company was incredibly helpful and understanding.
Philip J.
4 years ago
Collateral loans on car titles are a great way to get quick cash when you need it. The process is simple and easy to understand, and the loan company was very helpful in getting me the money I needed. I would definitely recommend this to anyone in need of quick cash.
Travis A.
4 years ago
I was in a tough spot financially and a friend recommended I check out getting a car title loan. I was surprised at how easy the process was and how quickly I received the funds. I would definitely recommend this loan company to anyone in a similar situation.
Paige A.
4 years ago
I was in a tough spot financially and the loan company was able to help me out with a payday title loan. The process was easy and fast, and I was able to get the money I needed to get by until my next paycheck.
Trudy P.
5 years ago
My loan experts were professional, experienced, and reliable. I was extremely pleased with the way they handled my complex loan process at low interest rates.
Kaitlyn K.
5 years ago
It was the fastest and easiest long term loans no credit check process I've ever encountered. Thank you for your professionalism and detail-oriented approach!
Megan M.
8 years ago
HIGHLY RECOMMENDED! Really fast and nice! Couldn't believe how fast and easy it was to get a loan....Kiara was great....THANK YOU SO MUCH!

3 Easy Steps to Get a Car Title Loan in Tracy

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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 Tracy, CA

$8,331

Average Title Loan in Tracy

$16,241

Average Vehicle Value

8

Loans Funded in 2025

51.3%

Average Loan-to-Value

Based on 8 title loans funded in 2025

Most Common Vehicles for Title Loans in Tracy, CA

Vehicle Make Avg. Year Avg. Mileage # of Loans
Ford2013106,626 mi3
Honda2015134,813 mi2
Chevrolet20235,604 mi1
Hummer200637,900 mi1
Ram2019121,000 mi1

Recent Title Loans Funded in Tracy, CA

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

Year Make Model Miles Funded Amount
2023ChevroletTrailblazer5,604$3,015
2009FordE150 Vans160,000$2,525
2019Ram1500121,000$10,442
2013HondaAccord214,000$4,678
2012FordMustang95,000$10,372
2017HondaAccord55,625$4,087
2019FordF250SD64,877$27,015

Frequently Asked Questions About Title Loans in Tracy, CA

Can I keep driving my car during the loan in Tracy?

Yes. You keep the car and keep driving it the whole time. We hold the title as security, not the vehicle, which matters in Tracy, where a lot of people put serious miles on a long commute over the Altamont Pass to the Bay Area. Keep your payments current and the title returns to you when the loan is paid off.

Can I use my work truck for a title loan in Tracy?

Yes. We fund loans on work trucks as well as everyday vehicles, which can help in an area with a lot of logistics and trade work, where most of someone’s value sits in their truck. The thing to weigh is that the truck is both your collateral and how you earn, so the payment needs to fit alongside that income. You keep driving and working it while you repay. Send us the year, mileage, and condition online and we will tell you what it could support.

Can I get a title loan on a car that was gifted to me or that I inherited in Tracy?

Yes, once the title is properly in your name. For a gift, that means the previous owner has signed the title over to you and the change is recorded with the California DMV. For an inherited vehicle, the DMV has a specific process for transferring a title from an estate, which can take some time. You can start your application online and get pre-qualified while the transfer is being sorted out, and we will tell you what we need to finish once it is in your name.

Shir Amram
Written byShir AmramMontana Capital editorial team

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