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Home > Ohio > Dayton, OH

Title Loans in Dayton , OH

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Location Information:

MC representative


5097 N Springboro Pike
OH   45439

Working hours

Mon - Fri: 9am - 7pm

Saturday: 10am - 5pm

Sunday: Closed


Title Loans up to $50,000


Montana Capital Car Title Loans Reviews

Montana Capital Car Title Loans surpassed my expectations with their collateral loans on car title. Their efficient process, competitive terms, and attentive customer service made securing a loan against my vehicle's title a seamless and... positive experience, earning them my trust for future financial needs.read more
Edi S
Edi S
Owning a vehicle was a lifelong dream, and this loan company played a crucial role in making it a reality. Their support and flexible financing options turned my dream car into a tangible, drivable reality.
Montana Capital Car Title Loans came through big time when I needed quick cash. Their collateral loans on car title were a lifesaver, providing a hassle-free and efficient solution. Highly recommend for anyone in a financial pinch!
Carmen P.
Carmen P.
I was stuck in a cycle of debt with multiple title loans, but this company offered a solution by consolidating them into a single, manageable payment. They handled the payoff of my existing loans, providing the fresh start I desperately... needed. I am profoundly thankful for their assistance. These companies that pay off title loans are a lifeline for individuals in need.read more
Eileen R. D.
Eileen R. D.
I found myself caught in a never-ending loop of debt due to multiple title loans, but this company provided a solution by consolidating them into one manageable payment. They took care of paying off my existing loans, giving me a... much-needed fresh start. I'm immensely grateful for their assistance. Thank you so much!!read more
Vicki B. W.
Vicki B. W.
I was concerned that I wouldn't have my title with me, but they made it easy to obtain a title loan without the actual title. Their adaptability was the deciding factor. Thank you so much!
Susan F.
Susan F.
I was stuck in a cycle of debt with multiple title loans, but this company helped me consolidate them into one manageable payment. They paid off my existing loans and gave me a fresh start. Can't thank them enough!
Laura A.
Laura A.
Loans using car titles as collateral in Dayton seemed risky at first, but this loan company put all my fears to rest. Super transparent communication, flexible payment options, and lightning-fast approval.
Amanda K.
Amanda K.
I was worried about not having my title in hand, but they made getting a title loan without the title itself possible. Their flexibility made all the difference.
Scott C.
Scott C.
The title loans online instant approval from this lender was exactly what I needed! I applied online in minutes and was approved super fast. They deposited the funds directly into my bank account same day! 💥 Couldn't have been... easier.read more
Jeanne N.
Jeanne N.
I was able to secure the funds I needed effortlessly thanks to this loan company's comprehensive solution, which combined title and payday loans. Their professional approach ensured a smooth process from start to finish.
Sheri G.
Sheri G.
I turned to this company, when I required an easy money title loan. With the professional guidance of the team here, I found the application form to be simple. After having completed the process, I received the funds that I required in no... time. I found their service very professional and efficient. Thanks a lot for making the transaction a smooth one.read more
Beatrice T.
Beatrice T.
This loan company understands the value of providing flexible installment loans. They offered me a loan with affordable monthly payments, making it easier for me to budget.
Vera E.
Vera E.
This business accepted my application for a car title loan, and I was satisfied with the assistance I received. The staff was highly competent, and the procedure was swift and simple. While looking for "loan firms near me," pick them.
Whitney J.
Whitney J.
I had a great experience with this loan company's program that allows you to borrow money against your car. I was able to get the funds I needed quickly and with minimal hassle.
Sylvia S.
Sylvia S.
I needed money fast, and the staff at this loan firm was super helpful in getting me a check and title loan. I was approved quickly and the process was very easy. I would definitely recommend them to anyone in need of quick cash.
Johnny T.
Johnny T.
I was in a bind a few months ago and required to take out a loan to offset certain costs. I learned about this loan company through a friend and decided to give it a shot. I'm so glad I did! This loan company handled my paycheck, and the... process was swift and uncomplicated. They made things very easy to understand. I would strongly suggest them to anyone in need of a loan.read more
Brenda G.
Brenda G.
Definitely the best title loan business in the area! I received the impression that I had known them for a long time the moment I walked into the office. They were incredibly cordial, considerate, and courteous. They responded to all of my... inquiries and assisted me in easily obtaining the required sum. They will be my first pick the following time I require a title loan firm.read more
Abbie M.
Abbie M.
This company helped me with loan amount when I needed for my daughter medical treatment. Thank you and you guys truly are the best title loan provider.
Doris C.
Doris C.
I was in a bind and needed some quick cash, so I decided to get a title loan on my truck. I was a bit nervous at first, but the process was actually really easy and the staff was very friendly. I would definitely recommend this company to... anyone in need of a commercial truck title loan.read more
Eliza B.
Eliza B.
The loan officers here are friendly and extremely helpful. They answer all my questions and concerns. The people working here always have a smile on their faces and make you feel like family rather than just another number. I would... recommend this loan company to anyone with a low credit score.read more
Chance J.
Chance J.

3 Easy Steps to Get a Car Title Loan in Dayton, OH

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Apply either online or by phone. Montana Capital is here to help you get the cash loan of your car title fast and secured!

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Depending on how much your car is worth, how much money you need and your ability to repay you could get up to $50,000.

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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?
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Car Title Loans

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The vehicle’s title

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Online process 24/7

Bad credit – OK

Keep driving your car


  • Apply online or call us
  • Get approved
  • Visit GPS Installation Centers if needed
  • Get the cash loan
  • Keep driving your vehicle

Car Title Loans in Dayton

Rushing to meet an URGENT financial deadline?

Looking for ways to get money without any prepayment penalties?

Read on to learn the steps for applying for auto title loans in Dayton, Ohio, and get a headstart on the process for vehicle online title loans!

Tips and Tricks for Requesting a Title Loan in Dayton, Ohio

Applicant Profile

Before applying for a car title loan in Dayton, OH, look over this checklist to see if you meet the following standards:

  • Resident in Dayton, Ohio– you can’t apply for a loan in Dayton if you’re from another area
  • Good credit score/credit history– showcases the frequency of loan repayment
  • Numerous plans of action– will help you pay loans on time

Vehicle Profile

After ensuring that you’re a good match for an auto title loan in Dayton, Ohio, look over this other checklist to determine if your vehicle is also eligible!

Lenders may look at these aspects to determine your behavior as a car owner in Dayton (i.e., how you take care of your car):

  • Good working condition
  • Stable and sturdy
  • No lien
  • Good equity value/no negative equity value
  • A low mileage

Take note that while most lenders prefer low car mileage, FEW lenders accept requests for car title loans from customers with high car mileages.

Application for a Car Title Loan in Dayton, Ohio

Step 1: Fill Out the Application Form for Title Loans

Before applying for car title loans, you have to fill out a title loan application form online. This provides the lender with the data they need to make an informed decision.

The title loan application acts as a screening process, but don’t be nervous! Make sure to input details (i.e., contact information, vehicle type, etc.), and you’ll be all set.

Fill up ALL of the sections involved before collecting the documents needed to apply for car title loans.

Step 2: Submission of Required Files for Title Loans

The next step in the application process is the submission of documents to verify your credibility for a loan in Dayton, Ohio:

  1. Proof of Residence [R]
  2. Proof of Income (i.e., bank statements) – determines your ability to pay back loans
  3. Valid-Government ID
  4. Vehicle Title- indicates that you are the owner of the vehicle
  5. Vehicle Photos- shows the condition of your vehicle

Step 3: Devil’s in the Details

While it’s exciting to be able to reach the end of the title loan process, DON’T forget to review the details of the title loan agreement, especially the following:

  • Loan amounts
  • Deadlines for repaying your loan
  • Interest rates
  • Processing fees/additional charges

Once you’ve read through the whole title loan agreement and approved the loan terms, you can move on to the FINAL step of requesting title loans!

Step 4: It’s Raining Money

Lenders can now transfer the title loan proceeds electronically to your bank account through deposits, etc. Make sure to double-check the loan amount to ensure that it’s correct!

As tempting as it is, make sure NOT to spend all of your money in one go. Figure out a plan that lets you spend the money in increments.

This will ensure that you won’t need to go back to borrow cash from your lender immediately!

Additional Information

Do you still have BURNING questions in mind? Here are a few questions that often arise when procuring a title loan in Dayton, Ohio.

1- What Is a Pink Slip Loan?

Pink slip loans are another term for car title loans. They’re named as such because the standard vehicle title colors are pink.

One interesting thing to note is that vehicle titles can even be colored blue or green in other countries!

2- What Is the Importance of Credit?

Before lenders can determine the credibility of your request for car title loans in Ohio, one of the factors they’ll consider is your credit history [R].

This reflects your speed in paying back loans.

Still in the fountain of youth with no credit history? Other ways to prove your credibility to potential lenders would be to purchase a credit card or handle a small loan.

3-What Happens if I Can’t Meet the Repayment Deadline?

Unfortunately, even with the best-laid plans, life still manages to get in the way sometimes. Because of this, you might be unable to meet the repayment deadline that you agreed upon with your title lender.

Your lender may allow you to do a “rollover,” which means you’ll get an extension on your repayment deadline [R].

It sounds great, but there’s a CATCH.

If you do a “rollover” on car title loans, you’d have to pay your lender a certain amount of money as a monthly fee.

Be careful not to get caught in an ongoing cycle of debt. The sooner you pay off your loan debt to your lender, the sooner you get your vehicle title back!

4- What Are Alternatives to Vehicle Title Loans?

If you’re the type of person that needs multiple options before settling on the best one, don’t fret! We’ve got a list of alternatives for you to consider:

1. Payday Loans

Unfortunately, these aren’t quite as fun as payday salaries. In a payday loan, you can borrow for a short period and can be pretty expensive at times.

Loan Process

a. Coordinate With a Lender

After researching payday loan lenders and choosing one, you can then determine the specific amount of money you’ll need.

You can give the lender a check and an additional fee.

The lender will keep your check and give you money (after subtracting their charged fee from it beforehand).

b. Pay the Lender

During your next payday, you’ll be responsible for paying the lender back in cash, combined with the fee they charged.

2. Bank Loans

We’re sure you’re all familiar with banks at this point, but here’s a brief description!

Banks are institutions that can give loans. Investors usually serve as the owner of these institutions, which means that banks have the responsibility to profit for their investors.

Loan Process (Before Applying)

a. Understand Your Credit

This will often determine the type of loan and terms that you can get. Before applying, you should make sure that you have a good history of borrowing and repaying debts.

Lenders will become more inclined towards giving you cash.

b. Decide on an Amount

While it’s tempting to ask for a HIGH sum of cash, take note that you’ll still have to pay this back! Consider the exact amount you need and how you’ll use it.

Calculate the frequency of your debt payments to see the feasibility of a specific loan amount!

c. Determine the Type of Bank Loans

There are various types of loans (i.e., home, business, student), which may be quite confusing to determine which loan to use.

Depending on the lender, you may be able to use different loans for various purposes (i.e., medical bills, tuition fees, etc.).

d. Determine Your Source of Money

UNFORTUNATELY, money does not grow on trees. Compare the various rates and costs of each bank to ensure that you spend money efficiently.

e. Look Over the Terms of Your Debt

Determine your repayment plan, the interest costs, how you’ll pay (i.e., electronically), and other important details.

Make sure to double-check (or even triple-check) everything before you start applying for a loan!

Loan Process (Applying)

a. Apply at a Bank

Ready to start applying for a loan?

You will receive instructions from your lender in regards to your next steps. When filling out the form to apply, make sure to provide information about yourself and your current finances.

b. Undergo Underwriting

Your lender will use your files and history to determine your potential as a borrower. The amount of time needed varies per branch and on the type of loan.

At this point, you may receive a call asking you to clarify or prove certain aspects.

c. Business Loans

Take note that new businesses do not have an extensive borrowing history, and they might not have items that can be used as collateral.

Both the borrower’s and the business’ qualifications will be taken into account during the process.

d. Plan B

Sometimes your lender may deny your request because of delinquent payments, a low income, or a high debt-to-income ratio.

Whichever the reason, they should be CLEARLY stated and presented to you.

Make sure to have a backup plan, such as writing a letter or finding a co-signer with a good reputation.

Don’t be afraid to keep trying! Who knows, you might just get approved on your SECOND try.

3. Credit Union Loans

Credit unions are organizations owned by their members/customers, which means that these institutions do NOT need to make a profit for their members.

Loan Process

a. Becoming a Member

Have you ever dreamed of becoming a community member? If that’s the case, try applying for loans from credit unions!

There are certain standards that borrowers usually have to meet. These entail sharing similar characteristics with other members, such as identical home addresses or job fields.

Have you recently been hired?

This isn’t necessarily a bad thing, but some branches might ask how long you’ve spent in your job and use this as a basis for eligibility.

Ready to seal the deal? After you deposit money, you’ll officially be a member!

b. Applying for a Loan

Fill out a form (this can either be a physical form or an online form) and provide information about yourself, such as your Social Security number.

If you have existing debts, it is essential to let the credit union members know. This is both for transparency and documentation purposes.

Your monthly debt payments must be below a specific debt-to-income ratio (the exact number will depend on the branch). You can gain approval if you have a good history of repaying debts on time.

Are you planning to purchase a house or a vehicle? Sometimes, you’ll need to provide a downpayment in these situations!

Overall Advantages of Choosing Auto Title Loans in Dayton, Ohio

There are numerous pros and cons to consider per the varying loan processes. However, here are the main benefits of applying for title loans in Dayton, OH.

  1. Even if you have a bad credit score, you can still be eligible for car title loans.
  2. Lenders tend to process borrower requests for car title loans in 1-2 days, which is good if you’re looking to borrow cash immediately.
  3. It is possible to have flexible repayment deadlines in Dayton because lenders have your car title as collateral.
  4. Even if you applied for car title loans, you can still drive your vehicle along the roads of Dayton while you’re in the process of paying the title loan back.
  5. Title loans have no hidden fees; all charges should be explicitly stated in title loan agreements.

The Winding Path of Dayton, Ohio

It may be daunting to consider putting up your car as collateral for car title loans, but as long as you repay the money you owe, you’ll quickly get your vehicle title back.

Make sure to prepare the necessary documents beforehand and to find reliable and trustworthy lenders for title loans!

This will ensure a smooth and efficient title loan procedure.

As experts have often said, make sure to SEIZE the day and make the most of your time count. Apply for a title loan fast in Dayton, Ohio!

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3349 Needmore Rd, Dayton, OH 45414
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1429 Nagley St, Springfield, Ohio 45505
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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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