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Title loans in Cleveland, OH

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Open hours

Mon - Fri:

9am - 7pm
10am - 4pm


Noyz & Toyz

2245 E 14th St


44115 OH

Services available

Service type

GPS Installation Centers

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

Start your loan process at this GPS Center

How it works


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Montana Capital Car Title Loans 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

How to Apply for Car Title Loans in Cleveland, OH?

If you think you’re stuck in a sticky financial situation, the BEST WAY to get out of it is to look for a loan for immediate cash.

A car title loan in Cleveland might work in your favor.

Don’t know what a car title loan is? We got you!

We’ve listed important information for you to get you started on applying for title loans in Cleveland.

The Loan Application Procedure

Trust us! You will get your loan as long as you accomplish these 3 EASY STEPS!

There’s no need to feel overwhelmed because we will go through each step thoroughly.

Step 1: Fill Up the Form

We cannot stress this enough!

The application form is one of the MOST IMPORTANT documents you need to submit to your lender. Be sure to answer as honestly as possible to avoid any future problems or inconvenience.

Contact the loan officers from your chosen lending company if you are unsure of specific fields or blanks on the form.

Step 2: Submit the Basic Requirements

Every type of loan has requirements you need to check off the checklist before lenders grant you the title and loan itself.

A car title loan in Cleveland (OTHER NAMES: pink slip loans, car title loans, auto title loans) is no different from other loan processes.

These are the things you need to have to qualify for a car title loan as a resident in Cleveland.

Fully Functioning Car

A working car is important for a car title loan. It will serve as the holding grounds of your lending company and you as well within the agreement.

When it comes to the model, some companies accept a car model in a set period. Your vehicle is cleared for your auto title loan as long as it’s functional and has no significant damages whatsoever.

Source of Income

Since it’s a loan, you need to pay the lender company after agreeing. You must make the payment monthly.

Of course, you will need a source of income to pay the fees.

Your source of income doesn’t necessarily have to be a full-time job. It can be a part-time or a freelance gig, or even your own business.

The important thing is that you have the means to pay off the loan amount on the deadline.

Your Car Under Your Name

If you do not own the registered car under the loan, you can’t pay the amount your lender stated. It should be yours and ONLY yours for you to qualify for a loan.

Some lenders in Cleveland conduct credit checks to see if residents have the ability to repay the necessary charges of a car loan in Cleveland.

The GOOD NEWS is your lender will still help you apply for a loan regardless of your credit score.

A bad score doesn’t necessarily obstruct you from applying for title loans. You can still apply for one even if you have a bad score.

However, lenders tend to give MORE advantages to people with good credit reviews than those with bad ones.

Nevertheless, a bad credit score WON’T HINDER YOU from getting title loans in Cleveland.

Documents for Your Title Loan Approval in Cleveland, Ohio

Now that you qualify for a vehicle loan in Cleveland, you must submit the necessary documents to receive loan approval from your lender. These documents are:

  • Government-issued ID
  • You car ownership Deed
  • Social security card
  • Insurances
  • Proof of income
  • Pictures of your car (This serves as proof for your lender that your car is eligible for a vehicle loan)
  • References outside of your family circle

Step 3: Play the Waiting Game

We’ve now reached the EASIEST STEP!

Sure, waiting can be a pain, but most lenders will deliver the money you need instantly. Give them about 1-2 days MAX to go over your requirements, and you should have your cash in no time.

They will most likely give you the money through bank transfer, check, or online deposit.

Alternative Loans

Is a title loan not for you?

That’s okay because these OTHER ALTERNATIVE LOANS in Cleveland, OH, will help you secure quick cash.

Short-Term Bank Loans

Before committing to car title loans, you should try applying for a short-term loan, such as payday loans, with banks or a credit union.

In all honesty, expensive banks or credit unions still have the CHEAPEST RATES compared to car title loans.

A lot of banks will make collateral loans to borrowers with less-than-stellar credit.

If you’re looking to have some cash in a hurry, then a short-term bank loan might do the trick.

Peer-To-Peer Loans

Unlike banks, peer-to-peer loans are handled by investors, resulting in FASTER approvals on your loan process and LOWER interest.

Get Help From Friends & Family

Let’s talk about loan terms between family members and friends. After all, they are your MOST RELIABLE sources of funds.

They might be willing to lend you some capital when the going gets tough. You can settle payments and additional charges through a written contract.

Although it’s not required, the borrower may still offer his vehicle as collateral in the loan.

Start Part-Time Jobs

You can never go wrong with having part-time jobs as a source of income.

Many employers are looking for freelancers or even people who are available for a project-based type of employment.

If you’re looking to earn some extra cash, there are tons of jobs out there for the taking.

5 Ways to Pay Off an Auto Title Loan in Cleveland

If you’re looking to apply for car title loans but don’t have the means to pay, don’t worry! There are still other methods you can do to have the money you need for the loan amount.

Sell Off Some House Valuables

Do an inventory inside your house of items that you don’t need or are already salvage-worthy.

REMEMBER: One man’s trash is another man’s treasure.

Ask For an Advance Paycheck

Asking for an advance paycheck from your boss can be nerve-wracking. We’ve all been in that kind of situation before, and it’s easier said than done.

But under the circumstances, your boss might give you the paycheck you need.

Explain to your boss that you need this paycheck to pay off your loans. You may also consider telling the effect of the unpaid loan on your performance in the workplace.

This can give your boss a BETTER understanding of why you need the paycheck.

Use an Older Car Model for the Loan

If you don’t have additional money inside your pocket or savings, selling your car can be one way to generate the cash you need.

If you’re wondering if this is a good move with your lender company, it is. Downgrading to a LESS EXPENSIVE car model will save you from your lender’s high interest rates and fees.

Negotiate Your Terms

If your charges, fees, and interest rates with the title loan are too high for your liking, you are more than open to renegotiate your terms with your lender company in Cleveland.

This works more often than not! Having an open communication relationship with your lender will work to your advantage.

What if You Want to Avoid Getting a Car Title Loan?

Sometimes, it’s unavoidable for us not to be in a position for a title loan, but if you’re planning to avoid succumbing to one, here are ways for you to save up money for when the time comes.

Save Up

Saving up some emergency or extra cash in your account should not be done on special occasions. Ideally, you should allocate funds into your savings that come from your salary or business.

The amount will be LARGER if you consistently fund your savings. Eventually, it’ll pay off when you’re stuck in sticky financial situations.

Get Insurances

Insurance provides much-needed protection from unnecessary costs.

Whether it’s life, medical, or car insurance, it’ll be a worthwhile investment for your own benefit. The money that you can save from your insurances can help you stay away from loan agreements.

Some Considerations When Applying for a Car Title Loan in Cleveland, OH

When looking for a title lender, there are qualities that you need to consider before agreeing with them.

Some lenders will accommodate your situation and needs, while others might charge you excessive fees and rates.

Here are some things to look out for when applying for auto-title loans.

Borrowing Percentage

When you apply for auto title loans, you can borrow money up to the MAXIMUM PERCENTAGE of the vehicle value, depending on the vehicle’s model, condition, and type.

The value can VARY from lender to lender. You need to consider this factor when choosing your lender and lending company.

Interest Rate & Terms

You can expect lenders to have the interest rate go up by each month. Look out for high interest rates in a lender company as it probably is trying to scam you.

Make sure the rates and terms are affordable and suitable for your bank account.

Application Process

If your lender company has a long title loan process, it’s probably going to be a hassle for you.

Always look to lender companies in Ohio that offer online applications and only require a few requirements for your loan approval process.

Payment Methods

For a loan, the speed of how fast the borrower gets his cash is important. Some might be in urgent financial matters that need the money, and some don’t.

Nevertheless, you should look for lenders who give the cash promptly and as fast as possible.


What if I Lost My Title in Ohio?

If ever you lose your vehicle title, you can get a duplicate title through the Secretary of State.

Visit your local Department of Motor Vehicles (DMV) branch to find out the documents you would need to replace your title loans.

A small fee would also be required to duplicate your title loans. In some states, you can receive your new title immediately.

Other states even send it to you via email.

How Much Money Can I Borrow?

The amount your lender can let you borrow depends on the MAXIMUM equity value of your vehicle. Your lender will inspect your vehicle to determine how much value it has.

Generally, lenders offer title loans that can range from $200 to as much as $25,000, depending on the equity value of the vehicle.

You can choose to borrow some of the money or all. Of course, this will DEPEND on your situation and assigned lender.

Am I Still the Owner of My Vehicle During the Loan Period?

Yes, you can still drive your vehicle during your loan payment period.

The ONLY TIME your lender can repossess your vehicle is if you fail to pay the agreed loan amounts between you and your lender.

Are Title Loans the Same With Title Pawns in Ohio?

NO, they are DIFFERENT.

Unlike title loans, which require numerous documents and possibly a credit check-title pawns don’t need one.

Title pawn lenders ONLY require you to have proof of purchase on your vehicle, an official ID, and a job to pay the loan back.

What if I Have a Bad Credit Review?

You can still apply for a loan!

Most lenders will help you address your concerns on bank accounts and even credit scores.

You’ll still have your loan title with most lenders, but don’t expect to borrow much. Those with HIGHER credit scores might get BETTER deals.


Indeed, car title loans may have their benefits and drawbacks, but we still highly encourage you to apply for one because you never know when you might need emergency cash.

Remember to prepare everything and honor your loan terms with your lender for a smooth and successful procedure!

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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