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Title loans in Chesapeake

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

Title loans in Chesapeake

In just a day, I was able to get my bad credit loan approved, which made it possible for me to pay off some debt. The customer service you provided was also excellent. Thank you so much!
Thelma Garcia
04:45 12 Nov 21
A smooth process for applications and approvals! My consultant kept in touch with me throughout the emergency loans in North Hollywood. My application was approved quickly with a very competitive interest rate.
Kevin Thompson Jr.
06:16 26 Oct 21
No matter how many issues I've encountered, they've always helped me, and have ensured that the loan process goes as smoothly as possible. This company gives personal loans for people with bad credit. You guys are great!
Guerrero Strong
17:47 29 Jun 21
They treat me like family I love the customer service here. I would recommend to anyone needing a quick payday loans.👍👍
valdez preston
16:35 03 Jun 21
Montana great to work with on our recent car title loans. Everyone is extremely knowledgeable, quick to respond, and very reliable. Highly recommend this company.
crystal estrada
22:59 26 May 21
As a first-time borrower, I anticipated that obtaining this loan would be extremely stressful. Obtaining a loan is never a pleasant experience, but it is what it is. Montana Capital Car Title Loans did an excellent job of calming me down and assisting me in making the best decision for my future. Thank you.👍
Aleena Angela
11:55 29 Apr 21
It's seriously impossible to find service as good as you get from Montana Capital Car Title Loans! They work with and for their customers to get you what you need. Truly amazing I fell in love with them!
Brynn Hammond
12:20 15 Mar 21
Montana Capital provided excellent communication and they guided us through our loan application every step of the way. They made it feel really easy.
Steven L. Moss
06:10 12 Feb 21
I was too upset to even think right when I applied for fast money from Montana Capital Car Title Loans. I guess I gave some goofy answers on the application, because Ramona called me right up to walk me through the process. She was super sweet and helpful.
Danny Echols
06:55 27 Dec 19
I gave 1 🌟 because Montana capital stressed me out I had to make my July payment in August due to me having to bury my son Montana capital did not understand I asked for and extension on my August payment and they still said I had to pay .I have became homeless do to me laying my son to rest.montana capital did not care .thanks Montana capital for really stressing me out doing the time of losing my son
Maria Moore
16:58 16 Aug 19
Best thing to do is sell your car and pay a new car and not them. I borrowed 6k. 3 years later I already paid them 11k and my balance is still 5300. How on the hell. Crazy. Theives they are super nice of course. They try to convince whatever it takes. Also if u must get it. Keep saying no thanks and they lower and lower the payment
Cesar Moreno
20:02 19 Apr 19
Best thing to do is sell it car and pay a new car and not them. I borrowed 6k. 3 years later I already paid them 11k and my balance is still 5300. How on the hell.
Cesar Moreno
19:43 19 Apr 19
This place is not worth it. You’ll loose a lot of money you gotta be completely desperate to take a car title loan out from this place. Example my aunt took out a 2600 loan paid over 5,000 she called to see how much she owed they said over 3,000 do the math folks is this really worth it hell no. I repeat go somewhere else that doesn't charge 2 arms and a leg in interest. How can you just be paying interest and no capital sh*t makes no since? I'm warning you people don't go here. And the people saying how great this place is, is lying 🤥 like a mf.
Joshua Freeman
19:48 15 Jan 19
This place is not worth it. You’ll loose a lot of money you gotta be completely desperate to take a car title loan out from this place. Example my aunt took out a 2600 loan paid over 5,000 she called to see how much she owed they said over 3,000 do the math folks is this really worth it hell no. I repeat go somewhere else that doesn't charge 2 arms and a leg in interest. How can you just be paying interest and no capital sh*t makes no since? I'm warning you people don't go here. And the people saying how great this place is, is lying ???? like a mf.
Joshua Freeman
19:47 15 Jan 19
Kyle is a great constomer service rep. He is alway there to help me on my payment is is friendly and prompt. What I really like about these guys is when I call, there is no wait time.
Max Morgan
20:02 26 Jul 18
Jonathan is the customer service rep that I always talk to. He always treats me nice and is fast and effectiant.
Cobble
18:40 05 Jun 18
I needed fast cash due to my wife having a health issue. They got me the amount that I needed and the process was fast. No hold ups. When I call to make a payment I always ask for Jonathan and he is always friendly and assists me very professionally.
Joe Cheuvront
19:50 25 Apr 18
Excellent customer service, fast response.
cynthia rojas
21:01 14 Apr 18
Kiara made it really simple for me, having everything done in an record time, excellent costa service!
JuNiM RoSa
23:09 12 Apr 18
Very helpful. Nice and efficient.
Natasha John Powers
23:35 11 Apr 18
One person handles you professionally. His name is Kiel. Johnathan and Daniel are very rude and very unhelpful. Do not allow them to assist you. They are very unprofessional!
muriel jones
18:24 02 Apr 18
Great place when you are ready to do a title loan. Montana tells you to pay it off as quickly as possible so you do not incur too many payments, but if you have to make a loan, this is the place. Speak to Kyle F, he is the very best! Very professional, informative and very courteous and kind! Thank You Montana!
muriel jones
21:48 27 Mar 18
These people are criminals. The F.B.I. has a case on this company. If you have any information regarding your experience with Montana Capital Car Loans please respond with your information. Thank you.
Julius Schreck
22:07 26 Mar 18
Great customer service with Kiara, made my transaction very smooth and quick in about 1 hour.
Erica Hurtado
20:03 22 Feb 18
I deeply appreciate the help and kindness.I will refer people to get a Title Loan from Montana Capital.
Tammy Work
20:58 13 Oct 17
Simple and easy process very friendly and prompt, so far so good — better than other places no complaints
Elyce Hastings
18:00 21 Sep 17
Quick and friendly. Rates were better than other title loan companies I've tried. They were helpful and informative and processed my information in no time.
Rebecca Richardson
20:56 15 Apr 17
Great expeience. Very helpful staff! Easy process and it all can happen in the same day!
Lale Weier
23:20 27 Jan 17
These people were fast with the decision process and very polite. Everything above board would recommend to anyone.
Al Delarosa
18:48 19 Dec 16
Joel and staff provided friendly, efficient service... Everything was explained clearly to me and my questions were answered in a professional manner..I would highly recommend using them if you need to .... Note: Loan isn't cash, it is a Bank of America check. Not a big deal to me, but maybe to you.
Life With Mrs Clark
22:41 10 Sep 15
Kira helped me in April 2014. I needed quick help. The interest rate was high...but as a business man, I understand their exposure to risk. I did the loan. It was quick once verifications were complete (same day/several hours) and I was on my way in my car with check in hand. Best to pay off this loan quickly knowing a chunk of $ is coming in to you to clear the loan...otherwise the burden of monthly payments at high interest could be overwhelming if stretched out. Montana reps tell you this...they are upfront, friendly and professional. If you are at a place of 'last resort'...then do business with Montana! I may use them again, soon, as a quick 'bridge loan' and pay them off quickly, as before. This is the BEST way to do it. Ron
Ron Vale
23:35 12 Jul 14
It's tough when you're stuck with limited options for a quick loan. If your only option is a car title loan, this is an honest place with nice people who will work with you. The place is in an industrial area, but the offices are clean. The people here are well organized and friendly. They can set up automatic monthly payments. They are quick to answer their phones too.
Erica Fleming
19:39 29 Jan 14
Google Rating
4.6

Address

Audio One

1001 N Battlefield Blvd

Chesapeake

23320 Virginia

Service type

GPS Installation Centers

Start your loan process at this GPS Center

How it works

Advantages

Our main
advantages

Montana Capital 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.

Great customer service

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

Loans for low credit score

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

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

Benefits

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.

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.

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!

Best customer service

we have attentive title loan agents waiting by to help you today. Give us a call at 800-700-8900

How to Apply for Car Title Loans in Chesapeake, Virginia

Car title loans are simpler than you think. You can apply online and get approved within a day!

If you need quick cash for emergencies, you can get a car title loan in Chesapeake, VA.

We’re here to show you everything you need to get started!

How to Get a Car Title loan in Chesapeake, Virginia

Car title loans are auto title loans, payday loans, or pink slip loans.

Like short-term loans, they have high-interest rates and risks attached.

  • You use your car title as collateral for the lenders.
  • Once you’ve set terms with your lender, you have to pay back the loan or risk repossession.

In general, this is how car title loans work in all states where they’re legal.

However, they work a little differently in Chesapeake, VA!

#1 Gather Information About Car Title Loans in Chesapeake

You must do your research before diving into title loan services.

We’ve compiled all the necessary information about Chesapeake title loans for you at the end of this guide.

You can choose to jump there for the necessary car title loan information you need in Chesapeake or finish this how-to guide first.

#2 Prepare the Required Documents

The required documents vary with different lenders, but you can expect to provide the following:

  • Personal information (your name and address, for instance, documented in an ID)
  • Contact information (phone numbers and emails)
  • Financial information or proof of income
  • Proof of residency (bills and other documents that prove your address)
  • Car details
  • Car insurance
  • Vehicle title
  • Vehicle photos

What If I Don’t Have a Title?

You might want to get a title loan, but you don’t have the title itself on you.

Don’t worry. It is still possible to get a title loan without the car title.

However, you need to be upfront with the lenders you meet to discuss your options.

What If I Can’t Provide Proof of Income?

Some borrowers may be unemployed, self-employed, or own a business. Lenders understand this!

Proof of income is required, so lenders know you have the financial capability when you’re paying off the loan.

You can substitute bank statements, business documents, and other financial information to prove that you have money inflow for the loan payment when the time comes.

So, if you can’t provide proof of income, you can still have a chance of getting a title loan!

#3 Look For A Lender or Loaning Company Based In Chesapeake, Virginia

Title loan companies are everywhere in Chesapeake, VA. From the Indian River to Airline Blvd, you’re bound to find lenders willing to process your loan application.

Can I Apply Online?

Yes, you can!

If you can’t make an appearance at a loaning company in person, you can call up a lender or apply online.

Plus, if you apply online:

  • You skip the commute
  • No need for lines
  • Directly speak to a lender based in Chesapeake.

It’s convenient and hassle-free!

#4 Submit Your Documents and Wait for Approval

Once you’ve gathered all the necessary documents, submit them to a lender of your choosing. Instant approval is rare, so you will have to wait for your application to be approved.

The lender will take every piece of information you provide into consideration.

Does My Credit Score Matter with Car Title Loans?

It depends! You have a chance of getting a title loan whether you have good or bad credit score.

If You Have Good Credit…

You do have a better chance of getting pre-approved if you have a good credit score. You can also get more deals and discounts.

If You Have Poor Credit…

You can still get a title loan in Chesapeake, VA!

Some lenders don’t perform credit checks when you apply for a personal loan. In the long run, your credit score won’t matter.

However, some lenders do perform credit checks. There will be an instance where a credit check and a poor credit score won’t affect the title loan itself.

You’ll have to be wary of a credit check happening. There are times when even just a credit check will have an impact on your credit score, even if it’s not used for the loan application.

Does My Car’s Condition Matter?

Yes, your car’s condition does matter. After all, it’s what a lender will base the value of your title loan off.

If you remember the requirements we listed above, we included your vehicle photos. Title loan companies may need this to assess the value of your car.

They can do an in-person inspection.

In the case of online title loans, they may ask for the photos and other details.

  • Include the make, model, and year of your vehicle.
  • Add in mileage and any car insurance information as well.
  • Both the exterior and interior of your vehicle should be in good condition. That means there should be no scratches or dents outside the vehicle, and the interior should be free of any holes or rips!
  • If you do upgrades on your vehicle, make sure to include those details. Even a new paint job on your car can bump up the money you get from the title loan.

What About Equity?

Equity may play a part in how your loan will be approved. Check if you have monthly payments left!

If you’re in a negative equity position, you may not be able to go through the loan process.

#5 Get Your Cash!

Once you’re approved, you can get your fast cash!

Some lenders will give you your money on the same day. However, another lender may decide to take a business day or two, so they can process your loan.

You can either pick up the money or have the lenders direct deposit to your bank account. 

Yes, all of this can happen on the same day that you file an auto title loan and get approved for it.

This is the fun part! Now that you’ve received the cash you needed, you can attend to your emergencies.

And don’t worry – yes, you will get to keep your vehicle for the loan period. You’re only giving the lender the title as collateral. You aren’t selling your car or having a lender hold it for you.

How Much Is The Minimum Loan Amount I Can Receive?

In Virginia, you can only receive loan money that is 50% of the car value.

Make sure you adjust your expectations!

After you get your cash, you’re now bound to repay the lender. If they repossess your car, they’ll sell it, keep the amount of your loan, then give you the surplus.

You can have someone appraise your vehicle before using it as collateral for auto title loans.

Chesapeake, VA and Car Title Loans: Everything You Need to Know

Curious how title loans work in Chesapeake, Virginia?

We’ve saved you the time and hassle of having to research.

Everything you need to know about Chesapeake title loans can be read below:

Virginia’s State Corporation Commission Will Play a Role in Your Title Loans

The State Corporation Commission of Virginia regulates all business and economic affairs. They’ve also drawn up some terms you and your lender must stick to throughout the loan process.

First, a written agreement must be in order.

The written agreement will cover the terms and risks of getting an auto title loan. Both of you must be legal adults, and there must be no hidden fees attached.

This way, both you and the lender are protected.

Title Loans in Chesapeake, Virginia Have Set Time Periods

In Chesapeake, Virginia, loans can last from 120 days to a year. It cannot be any shorter or longer than that!

This time period is a step-up from other states’ loan terms. You have to pay the loan back within 30 days in other states.

As a result, most people roll over their loans. They pay off the interest, but the principal remains unchanged.

You Cannot Extend, Renew or Roll Over Your Title Loans in Chesapeake

With the generous loan term that Chesapeake, Virginia offers, it makes sense that renewals, roll-overs, and extensions aren’t allowed.

You have to pay back your loan within four months to a year. You can opt to do this via monthly payments!

If you can’t pay off your title loan within this set time period, your car will be repossessed.

Early Repayments Have No Penalties

However, you might have the opposite problem. Instead of taking a lot of time to finance your loan, maybe you’re able to pay it off earlier than you realized.

With other short-term loans, early payments have penalties. This isn’t the case with loans in Chesapeake, VA!

You can choose to lower your interest rates by paying early. No strings attached.

Interest Rates Are Set in Advance for Title Loans

For title loans in Chesapeake, Virginia, the competitive rates are set according to the range of cash you’re borrowing:

  • Expect an interest rate of 22% per month for loans up to $700
  • Expect an interest rate of 18% per month for loans between $701 to $1400
  • Expect an interest rate of 15% per month for loans $1400 and above

At the very least, you’ll be able to calculate the amount of your loan with the set interest rate!

Repossession Won’t Happen Right Away

If you do end up not paying off your loan within the set time period, your car will still be in your ownership.

The lender will give you a 15-day notice to start paying for your loan. If you can complete the money needed for the title loan, you get to keep your car!

The Benefits of Auto Title Loans in Chesapeake

Title loans have slowly been rising in popularity for the past years.

If you’re still on the fence about getting title loans for yourself, let’s discuss the main benefits below:

#1 Ultra-Fast Processing Time

Compared to traditional loans from a bank or credit union, auto title loans can quickly process your application.

As long as you have a few things in order, you can even get the money you need on the same day! Just have your personal, financial, and vehicle information ready to submit.

It’s extremely convenient when you’re in a tight spot and need the loan amount immediately. Any other financial institution can and will drag its feet to fund your short-term loan, but title loans make it easier.

#2 Just About Anyone Is Eligible for Title Loans

Car title loans don’t stop anyone from applying to them. Even if you lack a title, have a bad credit history, or are currently unemployed, you can get a secured loan.

Again, it’s different from any other financial institution – which will be strict about who can take out a loan and who can’t.

As long as you have a vehicle you can use as collateral; you can apply for a title loan right away!

#3 You Get to Keep Your Vehicle, Too

Some people are intimidated by the idea of title loans. They think that they may have to lose the vehicle during the loan period because it asks for the title.

We’re here to remind you that this isn’t the case! You can still keep your vehicle to work, school, or visit your friends.

You’re simply using the title as collateral. When the time comes that you can’t get the loan money you owe to the lender, that’s when you will get your vehicle repossessed.

If you get the money you owe back to the lender within the set time period, you’re in the clear! You got the money you needed and kept your car around.

#4 Title Loans’ Repayments Are Made Easy

Repayments are ridiculously easy, especially in Chesapeake. You can start paying the money you owe monthly or repay early. There are no penalties or hidden fees – just you, your loan principal, and the interest rate.

#5 There’s a Generous Loan Period for Title Loans

Compared to other states, Virginia is generous with the loan period for car title loans.

An auto title loan is considered a short-term loan. In many states, thirty days is more than enough.

However, this can cause trouble if you don’t have the money needed for the loans within 30 days. While borrowers can start paying for interest, the principal remains.

You can avoid this if you apply for car title loans in Virginia. Here, any loan company will allow you to start paying within four months to a year.

To Sum It Up

Title loans in Chesapeake, Virginia, are available and convenient. You don’t have to go through bank or credit union loans!

If you need money fast for one reason or another, title loans are one way to go about it! As long as you provide certain documentation, you get your cash fast.

Getting a title loan in Chesapeake, VA, is easier to navigate. They give you more time, and the entire loan process is regulated.

We hope you learned a thing or two about getting a title loan in Chesapeake, Virginia Beach!

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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