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Home > Tennessee > Chattanooga

Title Loans in Chattanooga , Tennessee

How much cash can i get

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

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Location Information:

MC representative


6000 Lee Hwy
Tennessee   37421

Working hours

Mon - Fri: 9am - 7pm

Saturday: 10am - 5pm

Sunday: Closed


Title Loans up to $50,000


Montana Capital Car Title Loans Reviews

I had unforeseen costs, so I required an immediate fix. It was a blessing to find title pawn shops like this one. In addition to giving me the necessary financial support, their compassionate staff also gave me insightful guidance on how... to budget my future spending. a reliable ally in the process of regaining financial stability.read more
pamela O.
pamela O.
Montana Capital Car Title Loans delivered exceptional service when I needed 24-hour title loans near me. Their availability around the clock and quick response time set them apart, making them my top choice for urgent financial needs.
Md B.
Md B.
In the world of loans, affordability is paramount, and this lending service provides some of the most economical title loans available. They truly prioritize the financial health of their clients. A heartfelt thank you to Montana Capital... Car Title Loans for their outstanding service! 😄🙌👏read more
Jerry J.
Jerry J.
Facing the hurdles of a less-than-perfect credit score can be daunting, but I discovered this lending company to be a true lifesaver. Their payday loans cater to individuals with imperfect credit, providing a reliable solution. I'm... genuinely grateful for their assistance! Highly commendable! Many thanks to Montana Capital Car Title Loans for their exceptional support, especially in offering payday loans for bad credit in Chattanooga.read more
Josefina C.
Josefina C.
In the realm of loans, cost-effectiveness is crucial, and this loan provider offers some of the most budget-friendly title loans out there. They genuinely prioritize the financial well-being of their clients. Big thanks to Montana Capital... Car Title Loans for their exceptional service! 😄🙌👏read more
Walter J. R.
Walter J. R.
I found myself in a tight spot, needing some immediate cash. Thankfully, this loan company came to my rescue by providing a title loan without requiring me to have the title in hand. The process was surprisingly quick and painless, and I'm... forever grateful for the assistance during a challenging time.read more
Bethany H.
Bethany H.
Struggling with a less-than-ideal credit score can be challenging, but I found this loan company to be a savior. Their payday loans are a dependable solution, even for those with imperfect credit. I'm truly appreciative of their support!... Really impressive! Thanks a lot Montana Capital Car Title Loans!!read more
Albert A. L.
Albert A. L.
When it comes to loans, affordability is important, and this loan provider provides some of the most affordable title loans available. They sincerely care about the financial security of their clients. Thanks a lot Montana Capital Car... Title Loans!!!!!!! 😄🙌👏read more
Herman P.
Herman P.
Dealing with bad credit can limit your options, but this loan company offers payday loans even for those with less-than-perfect credit. It's a reliable solution for anyone facing unexpected financial setbacks. Thanks a lot!
Alison H.
Alison H.
I was in a bind and needed some immediate cash. This loan company saved the day by offering me a title loan without requiring any documentation. It was a quick and painless process, and I'm forever grateful.
May H.
May H.
Time was running out for me to pay off an urgent bill, so I looked up 'quick title loans' online and stumbled upon this loan company. Wow, am I glad I did! They moved lightning fast and approved me for a loan in no time. Lifesavers, truly.... And their pawn shops that do title loans? Super convenient!read more
Edwin W.
Edwin W.
Affordability matters when it comes to loans, and this loan company offers some of the most affordable title loans around. They genuinely care about their customers' financial well-being.
Micheal W.
Micheal W.
I made contact with this loan company, and their team provided me with all the essential information. They outlined the procedure for me, and I was pleasantly taken aback by how much I could be eligible for. If you are contemplating... getting a car title loan, I highly recommend them.read more
Florence L.
Florence L.
When I needed a title loan, this loan company near me was the best place to get a title loan. Their convenient location and excellent service made all the difference.Incredible service! Highly recommended!!
This loan company provided me with an accurate car title loan estimate, giving me a clear understanding of the loan amount I could receive.👍👍
Edith M.
Edith M.
When I needed quick funds, this loan company provided the best title loans. They considered my circumstances and worked with me to find a suitable loan option.
Marie C.
Marie C.
I'm thrilled with the installment loan I received from this business. The loan application process was fairly straightforward, and the money was disbursed swiftly. Anybody seeking for an installment loan in Chattanooga should absolutely... consider using this organisation, in my opinion.read more
Gareth B.
Gareth B.
The lending company was really helpful, in my opinion. Despite my poor credit, they were able to secure me a personal loan with excellent conditions.
Hazel B.
Hazel B.
When I was in need of personal loans for bad credit, this loan firm was extremely helpful. They got me the money I needed quickly, and at a very reasonable interest rate. I would definitely recommend them to anyone in a similar situation.
Cecilia L.
Cecilia L.
This company has helped me out so much! I was able to borrow money against my car to help cover some unexpected expenses. I am so grateful for their help!
Geraldine M.
Geraldine M.
I am happy to have availed the personal loan from this company in Chattanooga. I was in dire need of funds and they came through for me. I am highly satisfied with the terms of the loan and the promptness of the service. I will definitely... recommend their services to anyone in need of financial assistance.read more
Anna R.
Anna R.
I had to use this loan company when I was in a bit of a bind and needed money quick. I don't own a vehicle so I couldn't get a title loan but they still gave me the money I needed and were very flexible with the repayment options. I would... recommend them to anyone who needs a quick loan and doesn't mind high interest rates.read more
Wright E
Wright E
These guys can provide you with a car title loan despite the bad credit. They are really good, honest and reliable. I have used them many times and never had any problems. If you need a loan contact them right away.
Sue L.
Sue L.
You have been a constant source of guidance and support throughout my loan process. They helped me borrow money at fair interest rates. I appreciate it very much!⭐⭐⭐⭐⭐
Marguerite W.
Marguerite W.
Highly Recommend Montana Capital Car Title Loans in Chattanooga! Super helpful and very efficient with the process! Definitely coming back if I need!
James R.
James R.
Super helpful and explained the entire process and answered all my questions. Thank you!
Martha E.
Martha E.

3 Easy Steps to Get a Car Title Loan in Chattanooga

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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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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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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?
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It’s not that hard as you think! Getting started
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A few simple steps for a free quote

Select the amount of cash you want


Car Title Loans

Online Title Loans

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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
  • Visit GPS Installation Centers if needed
  • Get the cash loan
  • Keep driving your vehicle

Solve Unexpected Expenses with Auto Equity Loans in Chattanooga, TN

Chattanooga attracts both tourists and local residents with its outdoor activities, like hang gliding, bass fishing, mountain climbing, caving expeditions, etc. 

However, sometimes, funds are not enough to fully enjoy what the city has to offer. That’s when title loans can serve as a valuable lifeline, providing you with the financial support you need.

Title loans are short-term loans that let you use the title of your vehicle to secure a loan in as fast as a few hours. Regardless of your financial background, you can get a title loan with ease.

Are the Interest Rates on Title Loans Too High in Chattanooga?

In contrast to various states where the annual percentage rate on title loans can be as high as 300%, in Chattanooga, TN, the maximum loan amount a lender may charge a borrower is 24% per annum. This provides borrowers with more flexible lending terms and protects against excessive interest rates.

For Instance, if you take a loan of $500 in Chattanooga, TN, it will turn into $620 with an annual interest rate of 24%.
*This calculation excludes potential loan fees, which may differ among lenders.

Some Useful Information on Title Loans in Chattanooga, TN

Loan Limit$100-$2500
Loan Term30 days (Can be extended)
Interest Rate24% per annum
Loan feeNot more than $40 for a loan of $200

What Documents are Needed for a Title Loan?

The requirements for title loans are pretty straightforward. While certain requirements can vary from lender to lender, the basic documents you will need are as follows:

  1. Clear Vehicle Title
  2. Proof of Income
  3. Proof of Residency
  4. Proof of Identity
  5. Vehicle Registration and Insurance

Steps to Take Out a Title Loan Online

Taking a title loan online allows you to skip the visit to a physical store, apply online, and borrow money in three very easy steps:

Step-1 Apply Online

The very first step is to visit our website and fill out a convenient online application form. Just provide us with some basic information about yourself and the vehicle before submitting the form.

Step-2 Get Approved

Once our lender accesses your loan application, they will form a lending decision based on your profile. If approved, you will be presented with a title loan agreement with a clear mention of all the terms and conditions of the loan.

Step-3 Receive Funds

You must carefully review all the details mentioned in the agreement. If you are satisfied and want to continue with the loan application, you must sign the agreement. Once done, you can choose to receive the funds any way you like, including by online transfer, check, or collect in person.

Can I Finance my Car Title Without Proof of Income?

Having proof of steady monthly income is required to be approved for a title loan in Chattanooga, TN. While lenders want to make sure you can make the monthly payment without fail, this doesn’t necessarily mean you need to have a regular job. So, even if you have alternative monthly sources of income, you can apply for a title loan.

What Can Be Accepted As a Source of Income for Auto Title Loan?

  • Pay Stubbs
  • Bank Statement
  • Tax Returns
  • Disability Income
  • Settlement Income
  • Pension Scheme
  • Annuity
  • Trust Fund Income
  • Passive Income

Including all the pointers mentioned above, there are various other proofs of income that title lenders accept.

Do I Need Good Credit to Get a Title Loan?
Title loans are a type of loan where you use your car’s title as collateral. Lenders just want to ensure your car is worth enough to cover the loan and if you can pay it back.

 Bad credit is usually okay and you can get title loans with poor credit with ease. Though lenders might run a credit check, it doesn’t have much impact on your loan approval. 

Vehicle Value

The main factor in obtaining a title loan is the value of your vehicle. The lender will assess the value of your car, truck, motorcycle, RV, or other vehicle to determine how much they are willing to lend you. The higher the value of your vehicle, the more you can potentially borrow.

Ability to Repay

Lenders will want to see evidence of your ability to repay the loan. This might involve providing proof of income, such as pay stubs or bank statements, to demonstrate that you can cover the loan payments.

Is there a Prepayment Penalty on a Title Loan?
When it comes to title loans, you might be worried about being stuck with a pesky prepayment penalty. 

But don’t stress; most lenders won’t charge you extra for paying off your loan early. In fact, it’s a great idea to pay off your loan as soon as you can because it’ll save you money in the long run. Just make sure your loan doesn’t have a prepayment penalty like we offer at Montana Capital Car Title Loans.

The longer you take to pay off your loan, the more interest you’ll end up paying. And no one wants to throw away their hard-earned cash on interest. By paying off your loan early, you’ll avoid paying all that extra interest and save yourself some serious dough.

Important Facts About Chattanooga, TN

Total Population184,086
Persons Per Households2.25
Median household Income$50,437
Per Capita Income$34,080

Source: The Census Bureau

Frequently Asked Questions

What Can Be Used for Collateral?

Can I Get a Loan on a Car with a Salvage Title?

What Can I Do with the Money I Borrow?

Get an Instant Title Loan in Chattanooga, TN

Financial needs can arise at any time, and not all of us have the funds to address these needs. But with title loans, Chattanooga residents can use their car title to get money quickly. At Montana Capital Car Title Loans, we help people get title loans even with a bad credit history.

So, why wait? Apply online now and get quick approval!

Related Locations


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875 7 Oaks Blvd Suite 410, Smyrna, Tennessee 37167
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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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