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Title loans in Coral Springs

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Sunday:

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10am - 4pm
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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 Springs

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

Off the Hook Auto Accessories

4640 Coral Ridge Dr

Coral Springs

33076 Florida

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 Coral Springs: How-to Guide & Top Tips

Nothing is certain in today’s world. One day we’re okay, the next day, we’re NOT.

Before a financial emergency strikes, it’s wise to prepare and consider different sources of funds to avoid making rash credit decisions.

Whether you need quick cash NOW or in the foreseeable future, it would be good to see if car title loans are a viable option for you.

Read on and get to know more about Coral Springs car title loans!

What Are Car Title Loans?

Car title loans, also known as auto title loans, are short-term loans that require you, as the borrower, to surrender the car title to the lender for the duration of the loan term.

The lender will hold on to your car title as security against loan default. This means that you are putting your car as collateral for the loan.

IMPORTANT NOTE: In an auto title loan, you will only need to turn over your car title to the car title loan company.

You read that right — you get to keep your vehicle and continue using it while making payments. No need to give up your car!

Of course, this means that you must adhere to the terms and conditions stipulated in the loan agreement.

This includes being diligent in making your monthly payments until the loan amount is paid in full.

Uses of Car Title Loans

The advantage of a car title loan is that you can use it for practically anything, similar to a personal loan.

Because the loan amount is released fast without prejudice to bad credit history, car title loans are often associated with emergency funds.

It’s the go-to of borrowers who want their loan approved FAST without the tedious credit check because they need money for:

  • Medical bills and professional fees
  • Tuition fees, short courses, or to even to service student loans
  • Appliance or gadget purchase
  • House repair or other household purposes
  • Unexpected travel and accommodation
  • Emergency funds for business

The list can be extensive, but you get the idea. A title loan in Coral Springs is a good alternative for short-term financial needs.

Loan Payment Terms

Generally, short-term financing like car title loans lasts for 15-30 days, but in some cases, it can be extended to a year.

The loan term, the interest rate, and how much money you intend to borrow from a car title loan must be discussed thoroughly with the lender.

The bottom line is — Coral Spring title loans offer flexible loan terms. Be open and discuss your financial situation with your lender to customize the auto equity loans to fit your lifestyle.

What Makes Auto Title Loans a Top Choice Among Borrowers?

#1 The Simple Loan Application Process

An easy loan application process is the top priority of title loans in Coral Springs, Fl. It does NOT require a stringent credit check.

Compared to other traditional sources of loans such as bank loans, pink slip loans or payday loans, car title loans won’t take much of your time.

There’s no need to worry about strict requirements, too! While having a stellar credit background is not a prerequisite, just be mindful that some lenders may still do credit checks.

TAKE NOTE: It is a common misconception that auto title loans are pre-approved. Some loans still have to go through a background check.

If you’re worried about your low credit score, don’t worry — you can still apply as long as you can prove you have the capability to pay the loan. Your credit score won’t weigh down the loan application.

#2 Receiving an Upfront Lump Sum of Cash

Did we say FAST loan process yet? If your loan documents are complete, you can expect to receive approval within a few business days or even on the same day if everything is in order.

Yes, the loan proceeds in Coral Springs can be released within the same business day because there is an option for the lump sum of cash to be deposited straight into your bank account.

Want to get the cash in person? This is also possible, and it doesn’t even affect the turnaround time of Coral Springs title loans!

#3 It Is Non-Exclusive

By non-exclusive, it means that the lender will not look into your organizational affiliation to be qualified for Coral Springs title loans.

Likewise, there is also no need to be a member of a credit union nor be part of the formal employment sector.

Freelancers, artists, entrepreneurs, retirees — all are welcome to apply as long as you have a steady source of funds to pay for the loan!

How Much Money Can I Get From an Auto Title Loan?

There are several factors that can determine how much money you can get from a car title loan in Coral Springs, Fl.

The make, model, year of the vehicle, mileage, and general condition of the car play a key role in the loan valuation.

Usually, the loan amount is 25%-50% of the car’s value. The minimum loan amount can be around $100 and can go up as high as $10,000 or even higher.

Requirements of Title Loan

First and foremost, to avail of a car title loan in Coral Springs, you must be a resident of Coral Springs,  Florida and have ownership of a vehicle (such as a car, van, truck, and even an RV).

1. Car Title Registered in the Borrowers Name

A prerequisite is that the borrower must own a vehicle with a car title duly registered to their name, and in this case, YOUR name.

Since the vehicle is being put up as collateral, it is important that the lender establishes that you are the legal owner of the car.

Most lenders require a FREE and CLEAN title, meaning the vehicle does not have any outstanding loan. On the other hand, some just check the car’s equity.

2. Government-Issued ID

These are some of the acceptable government-issued IDs you can present to prove your identity to the lender:

  • Social Security
  • Driver’s License
  • Passport
  • State ID

3. Proof of Income

A source of income is another vital requirement for having the loan approved, especially if you have bad credit.

To show the lender you have the capacity to pay the loan, you can present your proof of income from employment, social security, retirement, annuities, pension or any other financial document (for business owners, freelancers, entrepreneurs).

4. Vehicle Pictures or Actual Inspection

In order to assess the value of the car, you must submit pictures of the car taken from ALL sides.

Take a photo of the front, left side, right side, back and inside the vehicle, as well as the odometer (for mileage) and the VIN (Vehicle Identification Number).

The VIN provides information on the year and model, original body color, and country of origin. Usually, it can be found in the engine bay, at the driver’s side of the dashboard beneath the windshield or on the driver’s door sill.

On a case-to-case basis, the lender may request a physical inspection of the car.

5. Bank Account

If it’s your preference, the loan proceeds can be released via direct deposit to your bank account the following business day and, in some cases, on the same day!

Be sure to provide the correct and complete bank details in your application form to fast-track the processing time.

All private information shared with the lender will be kept in confidence.

The Loan Process In Just 3 Steps

Loan applications for car title loans in Coral Springs can be done online or at the storefront.

  1. Apply online, call, or visit in person – Aside from the details found in the title loan, you must fill up the application form and provide basic information as the borrower. Rest assured that all personal information will be treated with confidentiality.
  2. Submit the complete requirements enumerated above
  3. Get your cash

After that, don’t forget the most critical part: Timely payments!

What You Should Know Before Applying for a Car Title Loan in Coral Springs

Does it all sound too good to be true? Don’t worry — it’s all good and true when it comes to Coral Springs title loans

Reality check, though, just like in other loans apart from the interest, other fees may be charged by the lender. Some are upfront, while the others can be found in the fine print.

Make sure that you read the terms and conditions stipulated in the loan agreement to avoid being blindsided by escalating costs.

Here are other things you need to keep in mind before signing that contract:

1. Understand the APR

APR is short for Annual Percentage Rate. This magic number, expressed in percentage, refers to the yearly cost of borrowing money over the entire term of the loan.

The APR may include additional fees that are included in each transaction.

Before applying for title loans, the APR must be discussed in detail, including the accompanying fees that may be imposed.

2. Watch Out for “Other” Fees

Though not exactly hidden fees, we’ve listed some of the common costs often overlooked by the borrower until it’s too late.

Look out for these fees in Coral Springs Title loans and choose the lender that gives you the best rates.

Origination Fee

This refers to the cost of processing the loan. Unknown to most, there are a lot of administrative expenses, even when you apply online.

It can be deducted from your loan or made part of the monthly payment. It is typically .5% to 1% of the title loan amount.

Transaction Fee

This is usually imposed when credit cards are used to make monthly payments.

Late Payment Fees

These are understandably added if one misses a payment deadline.

Appraisal Fees

These may or may not be incurred in a Coral Springs title loan. It pertains to the service of having the vehicle valued by an appraiser.

This is more applicable to home mortgages, so be vigilant and choose a lender that does not include this fee.

Pre-Payment Penalties

These are charged if the borrower pays the full amount before the end of the loan term. 

At first glance, this seems unfair to the borrower because paying your debt in advance is actually a good thing.

It will make more sense if you look at it from the lender’s point of view. The pre-payment penalty refers to the income that the lender would have made had the borrower finished the full term.

In other words, to avoid incurring penalties, stick to the loan term.

Loan Insurance

This is an add-on that some borrowers get to protect their car’s equity in case something happens, and they are unable to pay their loan (e.g., health issues, employment issues, etc.).

3. High or Low Interest Rates

Whether in Coral Springs or elsewhere, Car title loans are known for having high interest compared to the other traditional loan sources.

Banks and bigger financial institutions may offer lower interest rates, but the trade-off is a higher disapproval rate for those with bad credit history.

Title loans can be a good option if your needs are immediate. What you must look for are Coral Springs Title Loans that offer competitive rates.

4. The Risk of Repossession

There is no way to sugarcoat this, but when you default on your loan, there is a chance that your car will be repossessed.

But…this will only happen in the EXTREME case when you are unable to pay the loan on its due date.

Our advice? Get all the facts you need prior to applying for a loan.

This includes asking the lender about their policies on repossession.

Quick Tips on How to Manage Your Finances and Avoid the Risk of Repossession

#1 Begin With the End in Mind

Before going into the loan process, find out how much money you really need, forecast your expenses, and imagine what it will be like when you set aside the money allocated for payment of your title loans.

Think worst-case scenario, and if the remaining budget is manageable, it’s a sign!

#2 Read the Fine Print!

If you’re fully decided to apply for the car title loan, GO for it. But take time to read and understand the terms and conditions of Coral Springs Title Loans completely.

Don’t hesitate to ask questions such as:

  • Are the interest rates advertised charged per month or annualized?
  • What fees are included in the APR?
  • How much cash will I pay in total?
  • If I cannot make the full payment at the end of the loan term, what are my options before repossession?

#3 Avoid Going Into a Debt Cycle

When the loan term is up, and the borrower is unable to pay the loan in full, some lenders may offer to renew the loan.

This will entail another round of fees and interest rates which can balloon to an even bigger debt than they originally had.

If you’re not careful, you may end up paying bigger interest rates than the actual loan amount.

Borrow only what you can pay back within the term of the loan.

Conclusion: Time to Apply!

These days, having access to fast cash through a convenient loan application process can take a lot of pressure off your back, especially amidst a financial crisis.

Car title loans are a convenient way to get that much-needed cash. Many lenders in Coral Springs, Florida, offer fast, hassle-free loan processing!

The required documents are basic, so you just have to find the right lender in Coral Springs that meets your needs.

Time to take the next step and look for loan options in Coral Springs, Fl and apply!

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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