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Home > Ohio > Cincinnati

Title Loans in Cincinnati , Ohio

How much cash can i get

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

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Location Information:

(888)-700-8900

Address

2020 Langdon Farm Rd
Cincinnati
Ohio   45237

Working hours

Mon - Fri: 9am - 7pm

Saturday: 10am - 5pm

Sunday: Closed

Product

Title Loans up to $20,000

Reviews

Montana Capital Car Title Loans Reviews

As a resident of Cincinnati, I needed personal loans with a car title. This loan company understood my situation and offered me a flexible solution. Their friendly staff guided me through the process, and I received the money I needed... quickly.read more
Marvin B.
Marvin B.
1695283807
This title loan firm provides the ‘fastest car title loans in town. From application to disbursal takes under 24 hours. Saved me from desperate measures during health issues. Staff cooperated well with my treatment schedule too. Thumbs up!
Harvey S.
Harvey S.
1692689639
Thanks to this loan company, I got the quick cash I needed with their auto title loans. The application process was straightforward, and the approval came through in no time. I was impressed with their friendly customer service and... competitive interest rates.read more
Kathy W.
Kathy W.
1690789162
When searching for car title loans near me, I stumbled upon this fantastic title loan company. They offer flexible options for financing cars and have convenient options. The staff was friendly and provided clear information about... borrowing against my car. Definitely worth considering!read more
Lucille P.
Lucille P.
1688475707
In times of emergencies, this loan company was my go-to. They offered fast and reliable emergency loans in Cincinnati, providing the financial support I needed during challenging times.
Olga W.
Olga W.
1685443725
I was really happy to find this organisation in Cincinnati when I needed emergency loans. When no one else could, they were able to aid me. They made the process simple and provided me with the money I needed right away. I'm grateful... beyond words to them.read more
Caroline W.
Caroline W.
1679734744
If you're looking for a fast and easy way to get a title loan in my area, then I highly recommend the loan company. They were able to get me the money I needed in a matter of days, and their customer service was excellent.
Brandi A.
Brandi A.
1676697320
I was recommended to this loan company by a friend and I'm so glad I took their advice! The process for auto title loans was so easy and quick, and I got my loan approval within minutes. I definitely recommend this company to anyone in... need of quick cash.read more
Keith F.
Keith F.
1675340541
I learned a lot of things about auto refinancing my car loan through this company, and the process was very smooth. I appreciated that they took the time to explain the process and answer all of my questions.Thank you so much!!!
Stacy L.
Stacy L.
1673173367
This is a great company for when you need a home title loan. I love the fact that I don't have to go through the hassle of going through a bank. I can simply apply online and receive my cash as soon as the next day. The loan process is... very simple and the staff is friendly.read more
Helene M.
Helene M.
1673011589
This loan company in Cincinnati provides excellent service. The officers are very friendly and patient. They explained everything very well and made the process very easy for me. I highly recommend this loan company.
Elena K.
Elena K.
1672817685
I am so happy I found this company when I needed a title loan! They were very professional and helped me get the money I needed fast. I would definitely recommend them to anyone in need of a short-term loan.
Annette S.
Annette S.
1672222474
I needed some quick cash, so I availed a quick cash loan service from their company. The entire process was very streamlined and convenient. I received the cash I needed in no time, and I was able to repay the loan quickly and easily. I'm... very happy with the service I received from them, and I would definitely use it again if I need some quick cash in the future.read more
Yolanda G.
Yolanda G.
1670149054
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3 Easy Steps to Get a Car Title Loan in Cincinnati

01

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!

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 $20,000.

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.

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

Products

Car Title Loans

Online Title Loans

Bad Credit Loans

Payday Loans

Personal Loans

Requirements

Identification

The vehicle’s title

Personal details

References

Ability-to-repay

Benefits

Get up to $20,000

Fast, secure & free quote

Online process 24/7

Bad credit – OK

Keep driving your car

Process

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

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.

Related Locations

Covington

1420 Dixie Hwy, Covington, Kentucky 41011
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Hamilton

840 S Martin Luther King Jr Blvd, Hamilton, Ohio 45011
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Dayton, OH

5097 N Springboro Pike, Dayton, OH 45439
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

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