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Title loans in Clearwater

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

Title loans in Clearwater

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.
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
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12950 58th St N


33760 Florida

Service type

GPS Installation Centers

Start your loan process at this GPS Center

How it works


Our main

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


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

Applying for Car Title Loans in Clearwater

Do you own a car?

Your car can help you get quick cash if you’re struggling financially. We get the feeling of being short on cash.

Trust us. We’ve all been there.

A car title loan can get you the emergency money you need. With a few requirements, you can even get it within the day!

Head on below to know more about car title loans in Clearwater, Florida.

Clearwater Car Title Loans

With so many expenses to juggle, it’s so easy to wind up in a tough financial situation.

The good news?

There are several available auto title loans providers in Clearwater, Fl.  Making payments for emergency expenses like medical bills has never been easier!

Basics of Auto Title Loans

What is an auto title loan?

An auto title loan is a type of short-term loan where you’re given cash in exchange for your car title. A title loan is a secured type of loan where the collateral is needed.

A COLLATERAL is a valuable asset that lets your lender trust you. In this case, it’s the title of your car.

You don’t have to worry if you’re new to title loans. It’s fairly simple.

You get a loan, and in exchange, you give the lender the rights to your car. If you fail to pay the loan, your car goes to your lender.

The Specifics of Auto Title Loans

Car title loans are easy to understand. This is what makes it a POPULAR short-term financing option.

A lender checks your car’s equity value to find out the maximum loan amount to offer. Most lenders can give you around 25% of your vehicle’s value. The best lender can even go up to 50%.

Credit decisions in title loans are also quick as long as you have all the required loan documents.

The best thing about title loans?

You can get a loan WITHOUT having to give up your car. You only give your lender the title of your car, NOT THE CAR ITSELF.

Just a reminder: Double-check the terms to make sure you get to drive your car during the loan period.

Car title loans are sometimes called title pawns. But it can get confusing because some title pawns use your actual car as collateral. Not just the title.

Auto Title Loans in Clearwater, FL

The city of Clearwater, FL is perfect for people building their careers and families. It is a HIGHLY AFFORDABLE CITY.

But, living in an affordable city does not exempt you from financial distress!

The good thing is that residents of Clearwater, FL have a lot of access to title loans providers. Here are some ways you can apply for a title loan.

  • Apply ONLINE with an application form
  • CALL a lender or the title loan office
  • VISIT a title loan services office

 Unlike title loans in other places, a title loan in Clearwater has FAST PRE-APPROVAL and SUPERIOR SERVICE. Indeed, this is the easiest, fastest, and simplest way to catch up to unexpected bills.

The How-To’s

An auto title loan is an ATTRACTIVE option when you’re out of cash.

It’s swift and straightforward, so errors are unlikely to happen when your loan proceeds. Still, it’s advisable to follow a step-by-step procedure to avoid any problem.

Getting ahead of the steps helps keep the title loan a hassle-free option!

Step 1: Choose a Lending Institution

Choosing a lender is NOT USUALLY the most important thing that comes to mind.

But, it is actually a crucial step. Lenders are not all the same.

The rates for one can vary significantly. If you don’t have much cash, it’s best to look for the lowest rates you can get.

The lender to lender differences is not limited to loan interest rates and terms. Some lenders do not offer a title loan for all types of vehicles.

Here is a list of common vehicles accepted for a title loan in Clearwater:

  • SUV
  • Truck
  • Motorcycle
  • RV
  • Commercial vehicle

 Before settling on a lender, make sure they accept a title loan for the specific car that you have.

Step 2: Complete Application Form

This part of the loan process is essential in getting your loan pre-approved.

Application forms are usually provided together with the basic loan terms and agreements. Some borrowers may rush this step, but it’s good practice to pay attention to every detail.

After all, it will include your personal information and signature. Any agreement made on this step is subject to federal laws.

The key to getting fast pre-approval of a title loan in Clearwater, FL is a properly-filled application form.


The application form will contain your PERSONAL DATA. Make sure that your chosen lender is LEGITIMATE before submitting any forms.

Step 3: Submit Required Documents

A car title loan in Clearwater, Florida, only has a few requirements. Just make sure to complete this list, and you’re almost done with the whole process!

  • Car title
  • Car identification number and odometer
  • Physical car for inspection (or pictures)
  • Government-issued ID
  • Bank account
  • Proof of income
  • Proof of insurance

 Step 4: Wait for Your Money

Getting approved for your loan is a BIG sigh of relief.

Once you and your lender agree on the terms, all you have to do is claim your money.

If you visit a loan facility, the money can be handed to you in person. However, you shouldn’t worry if you opt to apply online or through a phone call.

Here are the ways you can get your cash:

  • Direct deposit
  • Check
  • Money transfer
  • Cash

 Payments are usually made through one of the platforms listed above. You and your lender will settle on a preferred mode of payment upon approval of your application.

Auto Title Loans Versus Other Loans


Although any loan you get is technically money you owe, THEY ARE NOT ALL THE SAME. Loans aren’t equal. Here are some factors that matter in choosing a loan type.

  • Interest rates
  • Loan terms
  • Loan period
  • Loan requirements
  • Repayment terms
  • Maximum loan amount
  • Ease of loan process

 Our best tip? Make sure to find out about every loan type.

Choosing the wrong type of loan can put you in a worse financial state than before. Remember to analyze the terms and rates to avoid doing more harm than good!

Here is some basic information that may help you know more about the more common loan types.

Personal Loan

A personal loan is a lump-sum loan one must repay in monthly payments. These payments are made in fixed intervals for an agreed period.

Here are some examples of a personal loan.

  • Bank loan
  • Credit union loan
  • Loan offered by an online lender

 Traditional bank loans can get you a loan amount anywhere from $1,000 to $50,000. It’s ideal if you need a huge amount of cash.

The interest rates are also relatively low.


Personal loans usually involve credit checks. If you have a poor credit history, it might not be for you.


  • Large loan amount
  • Competitive rates
  • Long-term payment terms
  • No collateral is needed (usually)


  • A good credit score is necessary
  • Long processing time
  • Numerous requirements

 Payday Loan

Payday loans are very similar to title loans because of their short-term nature.

The maximum loan term is usually around 30 days. You can get your cash fast, even with bad credit.

This type of loan, also called a check loan or cash advance, is also popular. It is EASILY ACCESSIBLE to most people because lenders do not need a lot of requirements.

But, a payday loan gets a lot of BAD REPUTATION.

Some lenders have extremely high-interest rates. You end up having to pay about 400% of your loan.

Critics even consider payday loans to be a type of predatory lending.

It means that it takes advantage of people in bad financial situations, leaving them no choice but to get debts at unfairly high rates.

The state law about payday loans can also get complicated. Regulations can be both tedious and confusing.


  • No collateral needed
  • Very few requirements
  • Fast cash
  • The credit score is not as important


  • Unsecured
  • The loan amount is usually limited
  • Extremely high-interest rates

 Car Title Loan

A car title loan is a short-term title loan that requires an owned car. Until the debt is paid, the original title of your vehicle will go to your lender.

You still get to drive your car, but you RISK LOSING IT if you fail to pay.

They can be expensive, with rates going as high as 300%. But you can lower the costs by finding a lender free of hidden fees and add-ons.

The loan amount and loan period both have a wide range. Your debt period can go on from as little as 15 days to as long as a year.


  • Quick cash
  • Flexible terms
  • A credit check is not usually done


  • Collateral is needed (Car title)
  • Can be expensive
  • Has a lot of limitations
  • The minimum loan term is 15-30 days

 Why Choose Car Title Loans

A car title loan is one of the simplest types of loan you can apply for if you need quick cash.

Title loans can get you money to cover almost anything. Car title loans can help an individual through a medical emergency, a calamity, an accident, or even just sudden, everyday fees.

But it’s not always the most ideal choice for every situation.

Head on to the section below to learn more about the benefits and downsides of a car title loan.

Title Loans Benefits in Clearwater, FL

Personal loans USED TO BE most people’s go-to.

But, the problem with traditional bank loans is the credit checks. Bad credit will stand between you and the money you NEED.

Title loans are advisable for borrowers who don’t have the best credit score.

You can also avoid the days and weeks of waiting on a personal loan. NO MORE extensive requirements and tedious follow-ups as well.

In fact, in as fast as 30 minutes, your lender can hand you the money you need.

Auto title loans also offer flexible loan amounts and repayment terms. It’s a great choice if you want a loan PERSONALIZED TO YOUR SITUATION.

Is an Auto Title Loan for You?

Let’s assume you have all the requirements needed for an auto title loan. Should you avail of the service?

Given all the benefits, you should consider them.

But, you also have to keep in mind that it is NOT the perfect choice. It has its fair share of risks and disadvantages. Here are some of our concerns with auto title loans.

  • High-interest rate
  • Hidden fees
  • Vehicle limitations

 If none of the downsides concerns you, you should definitely get a title loan in Clearwater.

Frequently Asked Questions

The availability of lenders in Clearwater, Florida, makes title loans accessible. But, the differences between lenders can also make it confusing.

Here are some of the most frequently asked questions to help bridge the information gaps.

How Much Money Can I Get From Car Title Loans?

The answer can be very diverse.

Lenders in Clearwater, FL can be flexible regarding the amount of money they offer. But, a reasonable estimate would be between $1,000 to $45,000, depending on the value of your vehicle.

The equity value of your car will depend on some factors.

  • Year of car
  • Make
  • Model
  • Trim level
  • Signs of usage
  • Damages
  • Mileage

 Overall, the amount of cash you can get depends on the condition of your car and its market value.

Some professionals put a value on your car. But, don’t just say yes to everything they say. Do your own research to ensure you are getting a good value for your auto.

Can I Get Car Title Loans if I Lost My Title?

Car title loans may only have a few requirements, but these requirements are necessary to get to your loans.

If you do not fully own your car, you cannot apply.

Your car has to be FULLY PAID and UNDER YOUR NAME. The car title has to be clean and original.

In the chance that you’ve lost your title, you will have to get a replacement title before you can apply.

The Secretary of State can usually secure replacement titles or duplicate titles.

Check with your lending institution if they can help you get a duplicate copy (REMEMBER: NO TITLES, NO LOANS).

You can find a quick guide to the requirements for the title below.

  • The car title has to be under the borrower’s name.
  • The title has to be free and clear.
  • The borrower must surrender the original copy to the lender.
  • The vehicle must be fully-owned.

 Can I Get a Title Pawn on More Than One Vehicle?

There are limits to how much your lender can offer you for your car. For some people who are in a bad place financially, getting a title pawn on just one vehicle is not enough.

Unfortunately, applying for an auto title pawn for two or more cars is usually impossible.

Here are some situations where it can be accepted.

  • The second vehicle is in another family member’s name. The title pawn will be under that member’s name as well.
  • The vehicles are co-owned by spouses. One vehicle title can be applied per person.
  • You’ve finished paying off one title pawn before applying for another one.

 Can I Apply if I Don’t Have a Job?

This is another tricky question. The answer is not really as simple as a yes or no.

Technically, you don’t need to have a job.

Being employed is not a requirement for applying for auto title loans. But, you do need to submit a PROOF OF INCOME.

This is to show your lender that you can pay what you owe.

What classifies as proof of income aside from employment? Here are a few examples:

  • Retirement money
  • Social security claims
  • Pensions
  • Annuities
  • Self-employment revenues

 Being employed may not be necessary to apply, but it is if you want to get your application approved.

Can I Apply if I Don’t Have a Bank Account?

The short answer: No (most of the time)

Some lenders will still let you apply even without bank accounts. But this is not the case for most lenders.

Having a bank account is important because it proves you can pay your debts, giving your lender the CONFIDENCE to let you borrow some cash.

Setting up an account is not as tedious anymore. If you don’t have one yet, we suggest getting one to improve your chances.

Having an account will also make both receiving and paying your loans easier.

It’s not an absolute requirement, but the general rule of thumb is to assume it’s necessary.

Can I Get a No Credit Check Title Loans in Clearwater, Florida

If you have a bad credit score, you can still apply for an auto title pawn.

You don’t have to be worried that you’ll get disqualified immediately.

But, it doesn’t mean that lenders do not do credit checks. Checking your credit history is still done by some lenders.

The best lender will check if you can more or less pay off the cash they’re letting you borrow.

IT’S STILL DONE. It’s just not as important to most lenders as it is to banks or credit unions.

If you want to avoid credit checks altogether, you can check the lenders. You can always call and inquire before applying.

Is There a Penalty for Paying My Title Loans Ahead of Time

Some lenders outside Clearwater, FL, charge a PREPAYMENT FEE, a type of fine for paying your debt before the agreed amount of time.

It can sound ridiculous, but it is true.

Lucky for the residents of Clearwater, most lenders in Florida do not charge a prepayment fee. Once you have the money, you can hand it over immediately.

In fact, paying your debt ahead of the deadline can even save you a few bucks. Depending on your agreement with your lender, you may avoid the latter interest payments.

But, every lender is different. It’s always best to call ahead and check with them before applying.


Financial emergencies happen; that’s just life!

If you’re living from paycheck to paycheck, unexpected expenses can leave you stressed and worried. Thankfully, a car title loan in Clearwater, FL, can help you make your payments.

We hope this article helped you find how you can cover the unexpected bills.

For our final reminders, always KNOW YOUR MINIMUM AND MAXIMUM. Know the minimum money you need and the maximum interest you can realistically pay back.

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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