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Title loans in Coral Gables

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

Title loans in Coral Gables

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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Off the Hook Auto Accessories

4640 Coral Ridge Dr

Coral Gables

33076 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

Car Title Loans in Coral Gables: Is It Right for You?

Do you have a sudden cash emergency? Is your car paid off?

Then car title loans might be the answer to your current financial woes!

With MINIMAL PAPERWORK to be submitted, a SPEEDY 1 business day approval, and a HASSLE-FREE loan process, you can get your online instant cash today!

Some lenders will even let you process the whole thing ONLINE and meet you halfway in a convenient location, just to make things FASTER and EASIER for you!

But how exactly do these kinds of loan agencies work? And why do they have such a bad reputation? Most importantly, does this loan suit your current financial situation?

We answer all that and more. Let’s get started!

Title Loan Services Explained

If you’ve heard of fast payday loans, pink slip loans, and auto title loans, they all mean the same thing as car title loans!

A car title loan is a short-term loan for a small loan amount with a pay period of 30 days.

You get your money in cash THE SAME DAY you apply (you can even apply online!) and won’t even need to submit a ton of documents!

Then, you hand over your vehicle title in exchange for your cash.

Title loan lenders will only hold on to your title until you repay the loan amount. This means that you still get to use and drive your car the whole duration of the car title loan!

Before you apply online, here’s what you need to know first:

Who Are Coral Gables Title Loans For?

Car title loans are for people who:

  • Own their car’s equity with a CLEAN and LIEN-FREE title
  • Need instant cash TODAY
  • Have a bad credit score (or haven’t had the chance to build a good one yet)
  • Do NOT have a steady stream of income or are unemployed
  • Or, for some other reason, CANNOT qualify for traditional loans and other financial institutions in Coral Gables

Aren’t Car Title Loans Bad?

Not completely, although it does have more risks than other traditional loans in Coral Gables.

Title loans have a bad reputation for the following reasons:

#1 The Car Titles Rating for Interest Is Very High

The usual interest rates can be as high as 25% per month. Translated into annual percentage rates, that comes to 300% a year!

It’s significantly higher than credit card interest rates. Not to mention, your lender’s fees can also be very expensive.

#2 You Might Get Stuck in a Cycle of Debt

Second, you only get 1 month to pay back your debt. And that amount includes the principal amount, plus the amount of high-interest rates, and of course, your lender’s fees.

With this short amount of time, it is very easy for your debt to balloon out of control when you find yourself unable to pay it before the due date.

#3 You Risk Losing Your Car

Lastly, with your car put up as collateral, your lender has the right to take it if you end up not paying the amount you owe.

There is a small chance of this happening if the lender sees that you can’t pay them back, so you can’t just ignore the risk.

Are Title Loans in Coral Gables Worth It?

If you’re confident that you can pay back the amount you owe on or before the 30 days are up, then despite all the risks we just mentioned…

YES. Car title loans are worth it.

No other financial institution will hand over instant cash in such a QUICK and EASY process as car title loan agencies.

Can I Really Get Approved in Less Than an Hour?

If you have ALL of your required documents with you, YES!

Car title loans boast of INSTANT APPROVAL.

Applications are approved within 1 business day, sometimes as fast as 15 to 45 minutes to complete the ENTIRE loan process.

How Much Loan Value Can I Get?

The maximum loan amount you can get is about 25% to 50% of your car’s current market value. If the cash you need is below that 50%, you can choose to borrow less.

You don’t need to borrow the entire loan amount for your car title loan if you don’t need it all.

We suggest you borrow as little as you can so that you can also worry a little less about your debt later on.

How Do Title Loan Lenders Determine the Car Value?

The lender will take everything from your car’s make, model, year, mileage, and overall current condition into account to estimate your car’s current market value,

Won’t My Lenders Take My Car?

During the duration of your auto title loans, NO.

You can continue driving your car as usual while under a car title loan. Auto title loan companies will only hold on to your title, not your car, while under a title loan.

If you fail to pay the money you owe from your payday loans lender, YES.

Your lender will take your car as a last resort and sell it to compensate for the losses.

Can I Get Several Title Loans in Coral Gables?


If you have multiple cars, you can apply for loans for each one. Just keep in mind to prepare the same documents for each vehicle since you will need to process one car loan per car.

You can also choose to go to the same auto title loans lender for all of the cars or opt to borrow from multiple lenders.

Although, we recommend that you stick with just one lender. This way, the loan process will be significantly FASTER, and it will be LESS OF A HASSLE for you.

Are Coral Gables Title Loans Safe?


Car title loans are perfectly safe and legal.

Just like a personal loan, a car title loan is just another secured loan that follows state laws and is regulated by the government.

Car Title Loans in Coral Gables: The Loan Process

Let us walk you through 3 super simple steps:

#1 Apply Online

First, check out the best title loans on the internet and pick out which suits your needs best.

Most lenders of car title loans pretty much offer the same contract terms.

Look for the lender that offers the LOWEST interest rates and CHEAPEST lender’s fees. You should also go with one that has a loan agency location NEAREST to you for convenience.

When you’ve decided which car title loan lender to go with, visit their website or give them a call.

On the first page of their website, you’ll find the online application form. Fill it out and wait for a representative from the auto title loans office to call you.

#2 Submit Your Car Title and Other Documents

While you wait, gather these car title loan documents and have them ready to ensure a speedy loan processing:

1. Government-Issued ID

To prove your identity, your car title loans lender will need you to submit a government-issued ID, preferably one with a photo of yourself.

Keep in mind that the name used in this ID should reflect the same name in your car title later.

2. Proof of Income

The proof of income your car title loans lender can be:

  • Pay slip
  • Proof of business income
  • Proof of retirement or social security benefits
  • Proof of inheritance
  • Title of your other properties
  • Or any other document that proves you have the financial capacity to pay back the borrowed money

3. Proof of Residence in Coral Gables

To be eligible for Coral Gables title loans, you first need proof that you actually reside in the area. This document can be anything that certifies that.

These could be your Contract of Lease or any of your Utility Bills.

4. Character References

You will also need to submit 2 to 3 character references to your title loans lender, so they’re extra sure you can pay them back. These character references will have to be people NOT RELATED to you.

Your lender will also ask for their contact details (phone numbers and addresses), so make sure to let these people know ahead of time to expect the call.

5. Car Title

Of course, you will need to surrender your car title to your lender. Your car title needs to be FREE and CLEAR to be eligible for title loans.

It also needs to be under YOUR NAME and match the name in the government-issued ID you submitted.

6. A Copy of Your Keys

Your title loans lender might also ask for your extra copy of keys, so it’s best to have them on hand just in case.

7. Other Car Documents

The other vehicle requirements title loans lenders need would be your Vehicle Insurance and Vehicle Registration papers.

8. Pictures of Your Car

And lastly, you will need 4 pictures of your vehicle.

Take pictures of the front, back, and the 2 sides. Your car title loans lender can also take the pictures for you if you’re pinched for time.

Other Things to Remember

During the call, you and your lender will discuss the terms of your contract, the interest rates and payment terms, and other things you might be curious about.

They might also perform a credit check, then decide if your loan application will be approved.

While talking with your auto title loans representative, remember to do the following:

  • Negotiate. Whether it’s for lower interest rates or different payment terms, don’t hesitate to ask what you want. This type of loan’s cost hurts your wallet, so you might as well make the most of the deal.
  • Ask questions. If there’s anything that’s even slightly unclear in the contract to you, now is the perfect time to inquire about it!
  • Read the fine print. Make sure you’ve gone through the entire contract at least twice before signing, just to make sure. We know you went for an auto title loan for the speedy loan application process and convenience, but take your time when it comes to this part.
  • Check for hidden fees. Aside from paying back the principal loan amount, there will also be interest and fees for the auto title loan. Double-check the title loan contract for additional hidden fees and check for penalty fees as well.

#3 Visit Your Loan Agency Location

After the call with the representative from your online title loans lender, they will let you know what your next step will be.

Some title loans lenders will ask you to drive your car to their loan agency location for a proper inspection of its condition, GPS installation, or for handing in your loan documents and signing your contract.

Or you might just be asked to meet a title loans representative somewhere around the area of their loan agency location for your convenience.

#4 Get Your Money Fast!

When you’re done signing the contract, your easy title loans lender will hand over your money in cash.

You can also opt to have it wired to your account, receive it through money transfer, or through a direct deposit to your bank account.

In getting your money, try to borrow the minimum loan to lower your total debt amount.

And you’re done! See? It’s such an easy process.

Frequently Asked Questions

What If I Have a Bad Credit Score?

No worries! You will still be eligible for a title loan.

Title loan lenders may conduct a credit check, but having a bad credit history will not automatically disqualify you for a loan, unlike what a traditional bank or a credit union might do.

Title loan companies will look at your ABILITY TO PAY them back rather than your past financial records.

Although, having a high credit score is a big advantage. A good credit score can get you lower interest rates, better terms, and higher negotiating power.

Do I Have to Be Employed to Be Approved?


Just like how a low credit score won’t hurt your chances of getting approved for Coral Gables title loans, not having a job is perfectly fine.

Since Coral Gables title loans look at your potential to pay, they recognize ANY document that proves you have an income and not just a steady job to get approved.

But of course, being employed also has its benefits.

Having your source of funds come in monthly payments will further assure your lender that you can pay up later on and give you more negotiating power as well.

What If I Don’t Have a Bank Account?

It’s totally fine!

You’ll only need a bank account if you ask your Coral Gables title loans lender to deposit the money in your account anyway, so don’t worry about this.

Can I Get an Auto Title Loan If My Car Isn’t Fully Paid Yet?

It depends on your lender, but some Coral Gables title loans agencies will NOT let you get a loan from them.

This is because they need you to own your car or have equity first before letting you take out a title loan.

Other lenders will still let you take out a car title loan, but we do not encourage it.

Coral Gables auto title loans on cars not yet paid in full are considered VERY HIGH RISK.

If you do not own your car’s equity yet, there is a big chance of losing your car (either to your bank or to your lender) WHILE still owing someone money.

What If the Title Isn’t Solely in My Name?

No worries!

It just might be a little bit more hassle on your part, but usually, all you have to do is have all co-owners also place their names on your car title loan application.

Depending on your Coral Gables title loans lender, you might also need to submit additional documents.

Your lender might also perform credit checks on them, or they might also need to make an appearance in the loan agency location with you.

What Will Happen If I Can’t Pay on Time?

If you find yourself unable to pay back your debt after the 30 days are up, your lender will extend your debt for another 2 or 4 weeks but CHARGE A FEE.

This is called a “rollover,” where your total debt is carried over for another period.

These rollovers can be very risky. They can balloon very fast without you noticing and put you in a cycle of debt.

If you find yourself in this situation, you can get in touch with your lender’s customer service agents. They might be able to put a plan in place to help you pay them back.

Remember, auto title loan lenders don’t want to take your car either! They would rather you pay them back ASAP and in full, so don’t hesitate to reach out to them for help when you’re in a pickle.

If, in the end, you find yourself in the worst-case scenario, you will have to take your car to the loan agency location and surrender your vehicle.

Your lender will then sell your car and use the proceeds to compensate for their losses.

Can I Still Sell My Car?

YES, but only after you’re done paying off your auto title loan.

Just visit your loan agency location, and your lender will return your car title and spare keys, and you’re debt-free!

Your car can now also be made available for sale since its title is now back in your hands.

In Summary

Auto title loans are PERFECT for fixing financial issues. They’re instant and convenient for all your money emergencies.

So long as you understand the risks involved and are confident in your capability of paying your debt in time, there’s nothing much to sweat!

Just keep in mind that an auto title loan is NOT a permanent solution, but more of a band-aid one to your urgent and unexpected cash needs.

And don’t forget our tips before you sign your title loans contract! NEGOTIATE for the terms you want, read the FINE PRINT, and check for HIDDEN FEES.

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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