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Home > Alabama > Decatur

Title Loans in Decatur , Alabama

How much cash can i get

Find out now. It's fast, secure & free!

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Location Information:

MC representative


105 Beltline Rd NW
Alabama   35601

Working hours

Mon - Fri: 9am - 7pm

Saturday: 10am - 5pm

Sunday: Closed


Title Loans up to $50,000

Apply Online

3 Easy Steps to Get a Car Title Loan in Decatur

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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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Get approved

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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Get your cash!

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?
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


Car Title Loans

Online Title Loans

Bad Credit Loans

Payday Loans

Personal Loans



The vehicle’s title

Personal details




Get up to $50,000

Fast, secure & free quote

Online process 24/7

Bad credit – OK

Keep driving your car


  • Apply online or call us
  • Get approved
  • Get the cash loan
  • Keep driving your vehicle

Application for Car Title Loans in Decatur, Alabama

Need cash FAST? Having an automobile can come in HANDY when you are pressed for time.

Enter title loans!

Title loans in Decatur are a godsend in case of an emergency. Auto title loans in the state of Decatur AL will help you WITHOUT the hassles of a traditional bank loan. 

Before you apply, we’ll guide you through the following:

  1. What are title loans?
  2. How to Apply for one
  3. All the requirements you need for a successful application

What Is A Car Title Loan?

These are short-term title loans where the borrower uses his/her auto as collateral – designed for people who need fast cash to manage debt, pay bills, or cope with an emergency.

Once you get approved, you can still DRIVE your auto home.  However, make sure your lender offers this service. After you’ve paid off your loan, you get your title back!

If you fail to repay the loan, your lender takes your auto and sells it to recover their principal.


Fast and Efficient

You can apply for vehicle title loans online from the COMFORT of your own home!

A title loan can be processed from one to three business days!

But let’s set your expectations here.

If you have a bad credit score, your chances of getting approved are slim.  That’s an honest way of putting it.

If you go to a bank, the process is long and tedious.  Plus there’s no guarantee you’d get approved.

Apply With Poor Credit

Even if you have a low credit score, it’s still possible for your application to be approved.  And you can drive your auto home!

The loans’ main requirement is your automobile photos and the title. 

Unlike when you pawn your automobile, you don’t get to keep it while you’re still paying for the loan.


Different Interest Rates

These title loans usually have STEEP interest rates.  That’s the trade-off when you need cash fast and consider a title loan.

When you have poor credit scores, expect much higher interest rates.

Of course, the lender will perform a credit check to make sure you can pay for the loan. If you have a poor credit score, you can still apply for a loan but you might have higher interest rates.

Compare lending institutions in the state of Decatur AL for competitive rates on loans!

Your Vehicle Might Not Qualify

Although title loans in Decatur AL undergo fast approval, there are requirements you shouldn’t ignore.  

It’s important to meet the specified loan requirements. For example, if your make is before the year 2000 or has too high of a mileage.

Tip: CHECK which lending company will accept your vehicle’s make and model beforehand.

Risk of Repossession

Title loans are great for those who need QUICK cash and have the ability to pay for the amount.

If you FAIL to pay the amount of your title loans, you could LOSE your vehicle.  Since the lender already has your car title loan, they can repossess the car.

So if you need your car on a DAILY basis, you should also think twice about getting a car loan.

Auto Title Loan in Decatur: How to Apply

Applying for title loans in Decatur Al is SIMPLE. We’ll guide you and share the IMPORTANT things about getting loans:

Choose Your Lender

Take time to RESEARCH and look at lending services in the state of Decatur AL.  Look at online reviews about loans in Alabama.

Are their services registered to operate legally in the state of Decatur Alabama?

Like we mentioned, some lenders in Alabama look at your car year and make as well as mileage.

Check if you qualify for Decatur AL loans, otherwise, you’ll run into tough problems later on.

Your lender should explain everything to you. From the loans’ payment terms to penalties, and interest rates. 

They should provide the best services that shouldn’t cause you to accumulate more debt.

Apply Online 

Go to your Decatur Alabama lender’s website and find the online form.  Fill out the form and submit your application to get pre-approved.

Answer the form as honestly as possible to AVOID any setbacks in the future.

Ask your loan officer for help if you have questions.

They will ask for important loans information. This includes your name, address in Alabama, and auto info (year of release, brand, and model).


The lender will ask for information about your automobile. It determines the equity value of your vehicle and the loan amount.

They will ask you to provide the following automobile data:

  • Year
  • Model
  • Make
  • Mileage

After providing this information, give them time to verify. They will let you know right away if you’re qualified for a title loan in Decatur, Alabama.


Your lenders will ask you to SUBMIT certain documents for a title loan.

If you FAIL to submit all these requirements, you WON’T be granted a car title loan in Decatur Alabama.

Here’s what you need to PROVIDE for getting loans:

Car Title

The title is a document that proves your ownership of the vehicle in Decatur.

The car title is different from car registration. The car registration allows you to drive the car on public roads and highways.

Registration is renewable every year, while the car title does not need renewal.

Furthermore, make sure your title is FREE from any liens. This is the BASIC requirement in getting loans.

Access to the Automobile

IDEALLY, you’ll need to bring your auto to the lender. However, some online title loans in Decatur don’t require vehicle inspections. 

Instead of an in-person inspection, they will appraise your automobile based on the pictures you send.

This is called a virtual appraisal. Of course, you need access in order to provide accurate and current pictures showing all 4 sides.

They will also ask you for a valid reason why you can’t bring your automobile in for inspection.

Here are valid reasons:

  1. No nearby lender – the title loan lender you found online is nowhere near your residence
  2. Vehicle in storage – this is the case with classic or collector cars
  3. No access on the day of the title loan – someone else is using it

Questionable reasons include:

  1. Maskable body damage – trying to hide a flaw in the vehicle by editing the photo
  2. Mechanical problems – these are problems that don’t show in pictures
  3. No access to the vehicle at all – you have pictures but not its current condition

Government Issued ID

This is a no-brainer. A VALID government-issued identification card is ALWAYS required to verify your identity.

Your driver’s license or passport is sufficient valid identification. It shows your citizenship and PROVES you are who you are.

Proof of Income

They want to know if you are CAPABLE of paying off your title loan. You don’t need to have a full-time job. Even retirees are allowed to apply for title loans.

But if you don’t have a steady amount of income, that’s a problem. You need to show you are trustworthy in other ways.

Here are the best ways to do that:

  • Credit History – this shows if you have successfully made payments on time. Title loans are based on credit ratings, so a better rating will obviously give you better rates than a lower rating. Good credit history earns the trust of your lenders. It shows you are capable of paying off your loan.
  • Pay Stubs – showing your pay stubs proves you are getting paid and making enough cash.
  • Rent Payments and Utilities – providing this will show your long history of monthly payments made in full and on time. It’s a great way to show your lenders the cash you borrowed will also be paid back in full and on time.

A Bank Account

This verifies the status of your account, your balance, and your financial activity. You have to show your bank account has:

  • A steady flow of cash
  • A healthy balance
  • A few expenses


With the proper insurance, lenders become a beneficiary on the insurance policy.

In case your automobile gets wrecked, the lender will receive the insurance payout. They need to ensure they get their value back since you still owe them money.

Proof of Residency

You have to PROVE you live in Decatur where you are applying for a car title loan.

A phone bill, electric or water bill with your address on it will suffice. As long as it shows where you live so they know where to find you.

Review the Proposal

The most important STEP before you sign anything is to REVIEW your proposal and READ the fine print.

Get a pen and paper and take note of the payment term, interest rate, penalties, and other fees.

It’s easy to forget all this information so make sure you have it noted down.

If you have a copy on your phone or a notebook, it’s EASIER to keep track of payment dates.  Missing payments are costly and you want to AVOID this.

Check if the loan amount is correct.  Clarify anything you don’t understand and negotiate if you still can.

Your loan agent will be able to help you with any concerns during business hours.

Receive Cash

Congratulations! You have accomplished all the steps to your loan application!

There is a waiting period of about one to three days before you get your cash.  There are some lenders that approve title loans in less than 24 hours.

It depends on how fast your Decatur checks your automobile equity, credit history, and your ability to repay the loan amount. 


Before you consider getting car title loans, ask yourself:

“Am I able to pay back the title loan before the repayment period expires?”

“Is there a less-expensive auto title loan option in Decatur?”

Borrow only what you can pay back.

If you don’t have a realistic plan of paying off the loan, it’s better to SELL your automobile to finance your situation.

In the meantime, you have the option to focus on establishing a budget and building your credit.

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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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