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Title loans in Delaware

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Title loans in Delaware

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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2475 Hills-Miller Rd


43015 Ohio

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 Delaware, Ohio

There may come a time you’re urgently in need of money with no idea where to come by a considerable amount quickly— luckily, that problem can be easily solved when you have a car title in your name!

If you live in Delaware, are in need of cash, and are in possession of a car, you can simply apply for an auto title loan.

Auto title loans are a relatively fast and fuss-free way to get the emergency cash you need even with a low credit score.

How Do Car Title Loans Work?

Put simply, car title loans are loans offered to borrowers willing to put up their vehicle title as security.

Usually, auto title loans are short-term with a high-interest rate and few requirements. Most of the time, even credit scores and histories are overlooked.

Because of how they work, these title loans are easy to qualify for and for that reason, are a popular way to obtain cash.

Another pro to this kind of title loan is the application process is generally approved quickly because it’s seen as a low risk loan for the lender.

This is because if in any case, you are unable to pay back the loan plus interest rate on time, the lender will take your vehicle as the loan collateral instead.

Consequently, this also means that how much you’re able to borrow depends on factors, such as what kind of car/vehicle you have and what condition it’s in.

You can put up any sort of vehicle you own as collateral for a loan, such as motorcycles and RVs, depending on the loan company.

Take Note, Though

The most important thing is to have a lien-free title. This means you’ve completely paid for your vehicle and are in possession of the vehicle title without any outstanding balance.

However, it may still be possible to acquire a title loan even without a lien-free title.

There are some lenders/loan companies in Delaware, OH that will accept these titles as collateral, albeit for lending a much smaller loan amount.

Another important consideration is your lenders may perform a credit check. This is to ensure your ability to repay the loan back. Although poor credit ratings can still warrant an approved loan, the interest rates may also be higher.

Getting a Car Title Loan In Delaware: The Process

When applying for a title loan in Delaware, OH (or anywhere else for that matter), make sure to do your research first and check for the most reliable lenders with the best rates.

A title loan business is subject to both federal and state laws that protect borrowers from exorbitant finance/interest rates, so be sure the lenders you go to comply with both.

Step 1: Research and Look for a Licensed Loan Company

To avoid getting entangled with any illegal business and unfair treatment, it’s always recommended to seek a licensed lender/loan company.

The lender should then show you the complete loan terms in writing before any contract is signed.

  • Per state law 44-287 ARS, the contract must state the buyer’s and lender’s names, as well as a description of the vehicle.
  • This should include the finance charge (how much the lender is charging for the loan service) and the annual percentage rate (how much the loan will cost in total).
  • Under 44-290 ARS, you may also request the lender to provide you with a written statement outlining due dates and payment amounts.
  • You may also request a written receipt for cash payments.

Step 2: Prepare and Submit Documents

Other than varying finance rate regulations per state, the loan process will be pretty standard:

  • Once there, you’ll need to bring the required documents and your vehicle for inspection.
  • While bad credit may not affect the chances of your loan application getting approved too much, a credit inquiry will help the lender determine the loan amount they can offer you.

Step 3: Discuss the Terms and Get Your Cash!

After you’ve come to an agreement and the contract’s been signed, you’ll pay the lenders’ finance charge, hand over your vehicle title, and the lender will give you the cash loan upfront.

While the lender has a hold of your automobile registration/certificate, your automobile will still be in your possession and can still be used.

Take note that usually, these loans need to be paid back in full as a lump-sun amount. So aside from the upfront charge for this financial service, you have to pay the total loan amount plus the finance rate at the end of your loan’s terms.

For example, if a loan business in Delaware lends you $2000 for 30 days at the rate of 20%, at the end of 30 days you’ll need to pay a total of $2,400.

So yes – cash loans are beneficial when you need money urgently, but be wary of the interest and high APR (annual percentage rate) that comes with it.

When you borrow money from lenders, make sure you know what you’re getting into! If you can’t pay back all the money you’ve borrowed, you’ll risk losing your vehicle and increasing your debt.

What Are the Requirements In Delaware for a Car Title Loan?

The requirements for auto title loans in Delaware, OH are pretty straightforward, which makes them as we mentioned earlier, easy to qualify for compared to other cash loans.

These are the usual documents you’ll need to apply for title loans in Delaware:

  • Driver’s license or any other valid government-issued ID
  • Proof of income
  • Vehicle registration
  • Proof of insurance
  • Proof of residence
  • Other documents may be asked if you are not a US citizen, and would differ depending on your status***


How Much Can I Borrow With Car Title Loans In Delaware?

Loan amounts are dependent on several factors including the value of your automobile and whether or not you’re a first time borrower, but in Ohio you can borrow anywhere from $100-$50,000.

You are usually allowed to borrow 25-50% of your vehicle’s value but loan amounts for first time borrowers will hardly exceed $1,000.

Of course, this also depends on the company. Some lenders may be willing to loan you up to even $10,000, however most companies won’t offer services like student loans.

Because these are short-term loans with high finance rates, legitimate lenders won’t and don’t expect borrowers to be able to pay back extremely large amounts, therefore lending adequate amounts only.

How Much Is the Interest for Loans In Delaware, Ohio?

Title loans are regulated by both federal and Ohio state laws. Car title loans in Delaware, OH are also regulated by the Ohio State Department of Financial Institutions.

The state law 44-291(G) ARS limits the amount of interest a company charge on these kinds of loans:

  • The financial rate for loans equal to or less than $500 cannot exceed 17%.
  • The financial rate for loans between $500-$2,500 cannot exceed 15%.
  • The financial rate for loans between $2,500-$5,000 cannot exceed 13%.
  • The financial rate for loans greater than $5,000 cannot exceed 10%.

Is It Advisable to Go for a Loan Rollover in Delaware, Ohio?

In Delaware, OH like in other states, you may strike a deal with your creditor and opt for a loan rollover, but being unable to pay back these loans affects your credit score.

Loan rollover terms will also depend on the company, but you can usually extend the loan for another 15-30 days for additional charges.

If you can’t pay for it and decide to not opt for a rollover (you default your loan), your car will be repossessed.

Although a rollover might be a good way to extend your repayment period, it also increases the debt you owe with even higher interest and can lead to a cycle of debt.

Should I Get An Auto Title Loan Over a Payday Loan?

Compared to auto loans, payday loans will usually be for amounts less than $500 that have to be paid back anywhere between 2-4 weeks.

They’ll affect your credit score similarly, so which loan to get would depend on how much you need but of course, you won’t need to own any sort of vehicle for a payday loan.

Payday loans can be helpful if you don’t have a car or any collateral to give up to loan cash. Furthermore, a payday loan has a slightly shorter repayment period so you have to make sure you can repay what you owe on time too.

Why Was My Title Loan Denied?

As mentioned earlier, lenders may perform a credit check during the application process.

While a credit check can play a part in the approval at times, you can still be denied an auto loan for one or more of the following reasons:

  • You did not present all of the required documents.
  • Your car title is not lien-free.
  • Your proof income or ability to repay was not able to match the lender’s standards.
  • Your automobile is of too little a value to use as collateral.


If you’re in need of cash but have bad credit, title loans are one easy option to get a hold of a large amount of cash. However, title loans can also lead to a cycle of debt and ever-lowering credit scores.

We hope this article helped you understand how to apply for an auto title loan in Delaware, as well as inform you of your rights and the consequences during the process of such loans!

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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