Title Loans Online - Fast & Easy

3 easy steps to get your cash:

Sign up form

Keep the keys, get the cash!

Pay loan, get title back

How much cash can i get

Find out now. It's fast, secure & free!

trust icons
Home > Virginia > Charlottesville

Title Loans in Charlottesville , Virginia

How much cash can i get

Find out now. It's fast, secure & free!

trust icons

Location Information:

MC representative



Working hours

Mon - Fri: 9am - 7pm

Saturday: 10am - 5pm

Sunday: Closed


Title Loans up to $50,000

Apply Online

3 Easy Steps to Get a Car Title Loan in Charlottesville

Icon Phone


Apply now

Apply either online or by phone. Montana Capital is here to help you get the cash loan of your car title fast and secured!

Icon OK


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.

Icon $$$


Get your cash!

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

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


Car Title Loans

Online Title Loans

Bad Credit Loans

Payday Loans

Personal Loans



The vehicle’s title

Personal details




Get up to $50,000

Fast, secure & free quote

Online process 24/7

Bad credit – OK

Keep driving your car


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

Car Title Loans in Charlottesville, Virginia

No matter where you live anyone can experience financial difficulties in life, and although most of us try to plan and save for rainy days, nothing usually works.

In these difficult times, many people turn to large financial institutions in the hope of getting more money, but the long application process and difficult eligibility criteria discourage them and they have to face a lot of undue strain.

However, there are some simple short-term financing options that can help Charlottesville residents get quick cash to pay their monthly bills and other expenses without going through the hassle of traditional bank loans.

Montana Capital Car Title Loan helps people apply for fast title loans and use their cars to finance themselves.1 Let’s learn more about the process:-

What Is An Auto Title Loan?

An auto title loan (also known as a car equity loan) is a loan that allows people to request and use cash immediately by utilizing their car title and vehicle assets. 

In this secured loan, the lender makes a temporary claim on your car and puts a lien on your car title to secure the loan.1

Unlike traditional bank loans, loan services are more dependent on the borrower’s vehicle and ability to repay the loan. 1Title loans are often referred to by other names such as pink slip loans, auto collateral loans, vehicle title loans, and more.

How Do Charlottesville Car Title Loans work?

Car title loans are known for having smooth and simple application processes where people don’t have to wait days or go through a long loan process to get approved for a loan. Charlottesville residents who own a car can contact Montana Capital Car Title Loans to verify their eligibility and apply for a loan online in a few easy and simple steps.1

Nonetheless, before you pick up your phone and reach out to any lending institution, make sure that you satisfy the following conditions:

Conditions To Get Pre-approved For Title Loans in Charlottesville, Virginia

  • Applicants need to be at least 18 years old or older 
  • All of the eligible candidates must present a clean and lien-free title of the vehicle they are using.
  • Applicants must have a Virginia-based or any other government-issued ID with them.
  • They should have a reliable and trustworthy source of income.

List Of All The Documents Required To Get A Title Loan In Charlottesville, VA

Lien-Free Vehicle Title

To provide you with a title loan, the lien is placed on the ownership of the car, and the loan is secured against it.1 So if you want to qualify for a car title loan in Charlottesville, make sure you have a qualified car title registered in your name.

Proof Of Income

Usually, the title loan company will ask you for proof of steady income to determine whether or not you can afford the loan. Applicants can submit their recent pay stubs, bank statements, or compensation letters to apply for Virginia title loans.

Proof Of Address

In order to be approved for a title loan in Charlottesville, applicants must provide a supporting document as proof of their residence in the city. Most lenders accept property tax receipts, leases, and credit cards as proof of address.

Government Or State Issued Photo Id

Typically, when you apply for a title loan, your concerned lender will ask you to provide a valid photo ID to prove your identity. This can be a government-issued driver’s license or a passport

Latest Photographs Of The Car

Since a title loan is a secured loan, you will need to go through a car inspection where your lender will determine the minimum loan amount you can borrow, the interest you must pay, etc.

However, if you decide to get a loan with Montana Capital Car Title Loans, you can skip the in-person inspection by sending current photos of your car directly to our team.

Steps To Get Online Title Loans In Charlottesville, VA

If you are struggling with your finances and don’t want to get entangled in the long process of traditional bank loans. Here are some easy and simple steps to apply and get approved for a car title loan in Charlottesville, Virginia

Fill out an Online Application 

Montana Capital consumers can go to our dedicated website and fill out a short application form to find out if they qualify for a title loan or not. The online form only requires them to fill in basic information such as car make and model, monthly income, address, cell number, etc.

Submit the Request Documents

If the consumer meets the conditions for a pink slip loan, our team will contact them and discuss all the necessary loan conditions.

And when both parties agree with the terms, customers will be asked to submit some documents to prove and verify their credentials.1 Applicant who doesn’t want to bother visiting any places can apply for a title loan online – where they can scan all the documents and upload from there and can even save time during a car inspection.

Get Direct Deposit in your Bank account

Once our team has verified the details and applicants have received final approval, they need to sign the contract and give their written consent, and then the loan application will be processed.

At Montana Capital Car Title Loans, we work to make the loan process easy and clear your online application as quickly as possible. Applicants can expect to receive the loan amount in their bank account within one working day.2

Where Can I Use The Auto Title Loan Amount?

Unlike traditional bank loans, car title loans are used to meet the short-term needs of consumers. Title loan companies have a fast and smooth application process which means you don’t have to wait in line or do a lot of paperwork.1

These fast personal loan options are mainly aimed at solving sudden financial problems for the residents and the proceeds of the loan are meant to be used for personal and household purposes.1

Here are some of the most common uses of Charlottesville title loans:

  • Rental Bills
  • Birthday Parties or Other Special Occasions
  • Home Repairs
  • Funerals
  • Medical Bills
  • Legal Expenses
  • Family vacations

Are Car Title Loans In Charlottesville, VA Based On Credit?

While some title loan companies do regular credit checks, the applicant’s credit history is not a major determining factor for title loans. Car equity loans are backed by specific collateral and qualification and title loan interest rates are based on several factors including:1

Repaying Ability

Title loans determine the eligibility of applicants based on an assessment of their ability to repay the loan amount. If you have a steady and reliable source of income, your chances of getting approved for a title loan and getting large sums of money will increase significantly.

Automobile Market Value

Since cash title loans are issued based on your car; the condition and market value of the car have a big impact on eligibility and other loan terms such as interest rate, loan amount, etc. So if you want to get the finest deal for your title loan at competitive interest rates, make sure you use a well-maintained car of a good make and model.

Car Equity

In general, the bar for the available loan amount depends on the equity you have in the car.1 As the title loan provider will be providing the amount against your car equity, you will need to have a fair amount of it to qualify for the loan.

How Does Repayment of Online Title Loan Works?

The Montana Capital Title Loan team concentrates on keeping the complete loan process simple and easy. Our loan contract contains all the necessary information you need to pay the installments.4

Easy ways to pay back your loan

Single Payment Loans

Pay the entire principal and interest in one step at the end of the maturity period without any problems.

Installment Loans

Those who can’t handle balloon payments can opt for a flexible repayment plan and pay in smaller amounts at regular intervals.

Repayment Options Accepted By Montana Capital Car Title Loans

  • Mail your installment check 
  • Using your credit and debit Card
  • Online through personal accounts
  • Pay at your nearest MoneyGram centers 
  • Payment applications to pay instantly 

Are There Any Penalties For Paying Early?

No! 4

At Montana Capital Car Title Loans, we believe in delivering extensive and evident customer services to all our borrowers.

We understand that everyone likes and wants to pay off their debts as soon as possible. Therefore, if the borrower decides to repay the loan early, we will help him without paying penalties for early repayment or charging hidden fees.4

The repayment period usually starts after 30 days but can be extended depending on the loan amount, duration, and interest rate. So don’t stress and choose the most suitable maturity period and if you get the money earlier, you can pay it earlier.4

Frequently Asked Questions

What happens to my car while I’m repaying the loan?

Of course, your ride stays with you. Unlike other credit and bank loans, a title loan does not require the applicant to surrender their car in order to receive the loan amount. As long as you don’t pay any late payments, you won’t be charged any penalties and you can keep driving your car wherever you want.

Can I cancel the loan?

Yes! Charlottesville residents can cancel their loan applications and rescind their contracts. 3However, applicants must apply for cancellation on the same business day, and if they cancel, they must pay the full loan amount in cash or check to get their car back.3

Can I refinance my title loan in Charlottesville, VA?

With Montana Capital Car Title Loans, refinancing your title loan can be as easy and quick as applying for a new one. Applicants who currently have any type of loan in Virginia and are struggling with payment terms, high-interest rates and other loan conditions can refinance their loan with our easy and fast auto title loan.1

What if the vehicle’s title is registered in someone else’s name?

As the name suggests, title loans do require people to show up with their qualifying vehicle titles to get funded. In case, your title is not in your name, you won’t be able to qualify for a title loan in Charlottesville, Virginia. However, you can reach out to our team to know how the title can be transferred and once it’s done, you are welcome to apply for a secured personal loan.

Perks Of Choosing Montana Capital Car Title Loans in Charlottesville, Virginia

At Montana Capital Car Title Loans, we are attentive to creating a seamless and end-to-end customer experience where our customers don’t have to go through any hassles or anything to get a quick personal loan.

Here are some benefits you’ll enjoy while opting for the Montana Capital Car Title Loans for your next short-term personal loan.

Low and Competitive Interest Rates

Our interest rates are within the limits of Virginia laws and guidelines.1 In addition, our team strives to create a reasonable repayment schedule that doesn’t hurt our customers when they repay their loans.1

Comprehensive Transparency

With Montana Capital Car Title Loans, there are no upfront penalties or hidden fees of any kind.4 Our entire loan process is transparent and we are focused on providing the easiest loan option in, VA.

Loans For Poor Credit Score

In contrast with the traditional credit options, our lending criteria are based on many factors, and provide a chance for people with low or poor credit to apply and receive secured loans in Charlottesville.1

No Car Requisition

With Montana Capital Car Title Loans, borrowers don’t have to return the car when paying off their loan in Virginia. We can issue a certificate of ownership of your car, give you the money you need, and reimburse you while driving your car wherever you want.1

Simplified Loan Process

You don’t have to go anywhere or wait for a personal inspection to get a loan in Virginia. Visit our website or call our number and one of our managers will contact you to guide you through the loan process.1

Are You Short On Funds This Month?

With so much happening in our lives, our expenses can squeeze our budget really tight and can become a hinder in our vacations. If you want to take a break or are having trouble with your monthly payments, you can contact the Montana Capital Car Title Loans team in Charlottesville, Virginia for quick financial help.1

Don’t wait for tomorrow!

Related Locations


, Springfield, Virginia
View Location


17517 Louisa Rd, Louisa, Virginia 23093
View Location


1790 Harpine Hwy, Harrisonburg, Virginia 22802
View Location

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

Skip to content