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Title loans in Cincinnati

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

Title loans in Cincinnati

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

Exclusive Sound

5001 Reading Rd

Cincinnati

45237 Ohio

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

Car Title Loans in Cincinnati

Do you need some emergency cash TODAY, but you’re worried because you have a history of bad credit?

Title loans might be the answer to your worries!

In Cincinnati, Ohio, you can get a title loan approved in just 1 business day and get your much-needed cash instantly!

But what exactly are title loans, and how do they work?

We get into all of that and more! Let’s get started!

What Are Car Title Loans in Cincinnati, Ohio?

A car title loan is where you temporarily give over the rights to your car to your lender in exchange for taking out a short-term loan.

And to give them the rights to your car, you hand over your car’s title, and they hold on to it during the loan duration.

But don’t worry, giving over the rights to your vehicle doesn’t mean you also give up your actual car. It’s just the vehicle’s title that they will need!

Other names of car title loans are pink slip loans, auto title loans, and vehicle title loans.

What Do I Need to Get a Car Title Loan?

To get a car title loan in Cincinnati, Ohio, you’ll need to prepare these loan application documents:

Your Vehicle’s Title

Let’s start with the most important document, your car’s title!

In submitting this, you must first make sure that the car is registered under your name and YOUR NAME ONLY.

Second, your vehicle needs to be CLEAN and LIEN-FREE. This means that it has to be fully paid or almost fully paid.

It also can not be under any other loan as collateral.

Vehicle Registration Papers

If your car’s registration is not updated, it’s okay!

Your title loans serviced in Cincinnati, OH, can help you get this fixed. Ensure your vehicle’s registration papers are in good faith and legally registered!

Vehicle Insurance Papers

Your car will also need to be insured to qualify for an auto title loan.

If your car isn’t insured, your lender can also assist you in getting it insured in no time!

Photos of Your Car

You will also have to give your lender photos of all 4 sides of your car.

Ensure that the photos are clear and high-quality for your lender to have an easier time judging the value of your car.

Government Issued ID

Prepare any government ID that has a photo of you in it. Your name here also needs to match your name in your vehicle’s title.

This is to assure your lender of your identity.

Proof of Residency

Your utility bills, phone bills, or your lease contract will do for this requirement.

Income Proof

Your payslip, proof of social security benefits, business income, or any other document that proves that you can pay off your loan will do.

Character References

To further assure your title loan lenders of your identity and character, they will also ask for 1 to 3 personal references.

They have to be people who are NOT RELATED TO YOU.

Your lender will also ask for their contact numbers and addresses to contact them, so have that information ready as well.

Spare Keys

Your lender will also ask for a copy of your spare keys, so bring them when you visit their office.

How Do I Apply and Earn a Car Title Loan?

Ready to take out auto title loans serviced in Cincinnati? Here’s how you do it!

Step 1: Apply Online

This step is NOT required, but if you want to speed up the loan process, you will want to apply online to get pre-approved first.

Go to your chosen title loans lender’s website, and you’ll find their online form on the first page.

The form will ask you to fill in a few details, and then you can get started with the pre-approval process.

Then you will be given conditional approval by your loan agent, pending review of your other documents.

You can also set up an appointment online so that your car title loan lenders know when to expect you.

This way, you’ll avoid long lines and save precious time!

Step 2: Visit Your Lender Directly

Bringing all your required documents, drive your vehicle to your lender’s office for the loan process.

This is what they will do:

  • Evaluate your loan documents
  • Ask some more questions
  • Inspect and assess your car
  • Install a GPS tracker

These factors will help them determine if you can pay back your title loan in Cincinnati and how much cash they can give you.

After that, your title loans lender can give you their final approval!

Step 3: Contract

Now before your title loans contract is prepared, your lender will first tell you:

  • The maximum and minimum loan amount you can borrow
  • Their interest rates
  • Their fees and payment terms
  • And other contract terms

And before you agree to all of their terms and sign, NEGOTIATE FIRST!

When it comes to car title loans, many things, from the interest rates offered to the maximum and minimum loan amounts, vary from a debtor to debtor.

That means you can try to talk out of unfavorable terms or too high-interest rates!

The Contract Itself

When you’re happy with the terms of your contract, your title loans lender will now prepare your final contract, and you can sign it.

Here’s what you should call to mind while reading your contract:

  • Read ALL of it THOROUGHLY. We advise reading it at least TWICE to ensure you won’t miss anything important.
  • Make sure you read ALL the FINE PRINT. Some predatory auto title loan lenders are out there that will hide the sneakiest thing in the fine print, so it’s always best to be careful.
  • Look out for HIDDEN FEES and PENALTIES.
  • Ask QUESTIONS. If anything in the title loan contract is unclear to you, don’t hesitate to ask! Your lender’s representative will be happy to answer all of your inquiries.
  • DON’T RUSH. Yes, we know that one of the biggest appeals of having title loans serviced in Cincinnati, Ohio is that it’s a fast loan. But this is one part that you can never rush. You need to take all precautions in this car title loan processing stage.

Step 4: Get Your Loan Proceeds

After signing the title loans contract, it’s time to get your loan amount!

You can get receive your money in these different ways:

  • Cash
  • Check
  • Money transfer
  • Direct deposit to your bank account
  • Online payment

Car Title Loans: The Good

Now let’s look at the advantages of Cincinnati title loans:

Quick and Simple

If you arrive at your lender’s office bringing all their requirements and they find all of them acceptable to their standards, you can finish the entire loan process in just 1 business day.

You can even get approved in less than an hour! You also get your cash THE SAME DAY.

It’s the perfect solution for your immediate cash needs.

Easily Attainable

The biggest advantage of auto title loans over any other financial institution (like traditional bank loans and credit unions) is that ALMOST ANYONE can qualify for the lender’s credit criteria.

When applying for auto title loans, your lender will only ask for the VERY BASIC requirements.

Bad Credit Score Has Minimal Impact

Title loan lenders, although not required, will conduct a credit check as part of the approval process.

And if you’re someone who has made poor credit decisions in the past, this might worry you.

But don’t sweat!

In qualifying for a title loan, factors like having a bad credit score or not having the chance to build a good credit history will NOT automatically disqualify you.

You can still get approved. But it does come with some disadvantages like getting higher interest rates and less negotiating power.

You Still Get to Drive Your Car

In applying for an auto title loan, the main qualification will be providing acceptable property as collateral (in this situation, your car), but you only have to surrender your title.

Title loan lenders won’t take your car during the loan duration. Your daily life won’t get disrupted.

Car Title Loans: The Bad

Of course, all those sweet advantages come with a price. These are the drawbacks that you need to consider…

High-Interest Rate

When you take out an auto title loan, the interest your lender will charge you can be as high as 25% per month.

If we convert that number into the annual percentage rate, it will be 300%!

So on top of returning the actual loan amount and the already high-interest rate, you also need to pay a lender’s fee and other additional fees.

You Risk Getting Stuck in a Cycle of Debt

When the 30 or 60-day title loan due date comes, and you cannot pay your loan amount, your total debt will be rolled over for another loan period (2 to 4 weeks).

What will happen is that your total loan amount will be carried over to the next period of the loan and compounded with a new interest and a rollover fee.

And if this continues, your debt can balloon easily in such a short period.

You Might Lose Your Car

Of course, when you put up your car as collateral for a title loan, we can’t just discount the very real possibility of losing your car.

In the worst possible scenario, when you don’t see yourself being able to pay off your debt, your title loan lender will have to take your car and sell it to compensate for the money you owe them.

Although if you already see this possibility likely to happen ahead of time, try getting in touch with your lending institution first.

They might have a way of lightening your burden by setting up your monthly payments differently or coming up with a new payment plan.

How Do I Avoid the Risks of Car Title Loans?

Here are a few tips…

Do Your Research

Don’t just get a title loan from the first lender you see.

There are many different title loan places in Cincinnati, OH, so take your time to read reviews, ask around, and compare the rates before you settle on the best one.

Only Use It a Last Resort

Title loans are high-risk and made to be used for a financial emergency, so unless you have exhausted ALL your other options, don’t just take out a title loan.

Take Out a Title Loan With Your Secondary Car

If you have more than one vehicle, you might want to use that as collateral to apply for a title loan instead of your primary car.

This way, you avoid the risk of losing your primary means of transportation in case the title loan goes sideways.

You also get some peace of mind that its impact on your life is minimal.

Don’t Max Out the Amount You’ll Borrow

Don’t borrow the entire amount when your lender lets you know the maximum amount you can borrow.

Just take out exactly what you need now so that your debt will also be smaller later.

Remember, the smaller your principal debt is, the smaller your interest amount will be. And the lighter your load will be by the end of the loan duration.

Pay Early

We highly encourage consumers to pay early.

Paying early will give you peace of mind, knowing you won’t risk a rollover and that you can get your clean title back.

So if you get extra cash, take it to your lender immediately!

Frequently Asked Questions

Still, got some questions? Let’s answer all of them here!

How Are Payday Loans in Cincinnati, Ohio Different From Title Loans?

Both types of loans are:

  • A short term loan
  • High risk
  • Gives you the money you need RIGHT AWAY

The main difference is that title loans require you to put up your car as collateral. As a result, you can borrow a bigger amount from a title loan than from a payday loan.

Payday loans also have a shorter loan duration of 2 weeks since they rely on your next paycheck.

Payday loans are most commonly used by underpaid individuals who need their cash for monthly payments or bills.

It was designed for people who have sudden cash needs between paychecks but are expected to pay back the borrowed amount by their next paycheck.

Are Title Loans in Cincinnati Secured Loans?

Yes!

Cincinnati is a major city in Ohio, and title loan lenders here are legal, licensed, and regulated by state laws.

However, tribal lenders are a different story in Cincinnati. Tribal loans in Cincinnati, Ohio, are legal as well. However, they are not as regulated by the state.

How Much Money Can I Get From a Title Loan

The loan amount that an individual consumer qualifies for depends mostly on the value of their vehicle. The determined value of your car will be based on these factors:

  • Make
  • Model
  • Year
  • Mileage
  • Overall vehicle condition

Then based on that, you will be able to borrow anywhere from 25 to 50 percent of your car’s current market value.

If I Can’t Pay Off My Title Loan in CCan’tnati Oh, Will It Affect My Credit Score?

No.

Your inability to repay your title loan WILL NOT reflect on your credit history, just like how you can take out a title loan with a bad credit score.

Can I Repay My Title Loans in Cincinnati, Ohio, Ahead of Time?

Yes!

You don’t have to wait for the exact date to settle your debt.

If you can obtain your money earlier than the due date, don’t wait and repay your loan, don’t!

Do Cincinnati Oh Title Loans Also Service Student Loans?

Usually, no.

A Cincinnati title loan is short-term financing designed to be used for emergencies, which is vastly different from how student loans work.

A title loan lender isn’t likely to offer a student who isn’t well.

Will I Need a Bank Account in Cincinnati Oh to Qualify for a Title Loan?

No.

Although if you do have a bank account in your name, you can opt to have your loan proceeds deposited there.

Can I Get Approved Even if I Have a History of Bankruptcy?

Probably.

Like a bad credit history, a bankruptcy in the past will not immediately disqualify you for a title loan.

Again, the most important thing is that you have to prove that you can pay back the loan you take out.

And like bad credit, bankruptcy will also give you less negotiating power, limited payment terms, and higher rates.

Can I Take Out a Title Loan With a Motorcycle?

Yes!

Most title loan companies aren’t limited to just cars. They also give out title loans to RVs, motorcycles, and sometimes even boats!

But these things differ from lender to lender, so give them a call in advance to inquire first.

What if I Change My Mind? Can I Still Cancel My Title Loan?

Different lenders will have different policies regarding this.

Most of them will have a grace period within which you can cancel without paying a penalty fee. This grace period is usually around 2-3 days.

You can still cancel after the grace period, but you will have to pay an early cancellation fee.

When Will I Get My Car Title Back?

As soon as you pay back your loan!

Your lender will officially end its hold on your car title when you have fully paid back your loan amounts.

They will give you back your title, your spare keys and remove their GPS tracker on your car.

Then your vehicle title is now clean and lien-free once again!

Can I Sell My Car After the Title Loan?

Yes!

With your title loans fully paid, your vehicle’s title is again clean and free; you will have no problem selling it.

In Short

In Cincinnati, OH, Title loans are QUICK, EASY, and CONVENIENT.

But they are also high-risk and expensive.

So before getting one, exhaust all your available options first, borrow a few of an amount as you can, and try to pay it back early.

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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