Title Loans Online - Fast & Easy

3 easy steps to get your cash:

Sign up form

Keep the keys, get the cash!

Pay loan, get title back

How much cash can i get

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

trust icons
Home > Oregon > Eugene

Title Loans in Eugene , Oregon

How much cash can i get

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

trust icons

Location Information:



929 W 7th Ave
Oregon   97402

Working hours

Mon - Fri: 9am - 7pm

Saturday: 10am - 5pm

Sunday: Closed


Title Loans up to $20,000


Montana Capital Car Title Loans Reviews

3 Easy Steps to Get a Car Title Loan in Eugene


Apply now

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


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 $20,000.


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 $20,000

Fast, secure & free quote

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 Eugene, Oregon: Get Instant Money at Your Doorstep

If you’re stuck in the middle of an emergency with no other way to get some much-needed money, car title loans could be the best and easiest option for you!

Title loans are quick and simple, and compared to bank loans, they are as close to hassle-free as you can get!

Read on if you’re down to apply for a car title loan in Eugene, Oregon!

Car Title Loan: A Brief Gist

Car title loans/pink slip loans are loans wherein you give the right of a title as collateral to the lender for a loan.

Simply put, these loan terms state that you give up ownership of your car to the lender in exchange for cash – which you will then have to pay off to get back the title of your vehicle.

It’s as EASY as that.

Once your car gets approval, the title loan lender will check the value of your vehicle and finish any financial checks. 

Once they’ve done these, the money is now YOURS!

Why Get an Auto Title Loan in Eugene, Oregon?

Let’s say you’re in immediate need of cash. You have to pay the house bills, make a final downpayment, pay for an emergency, etc.

Whatever they may be, car title loans will likely be a BETTER option than bank loans for such situations.

We know we keep saying that it’s an easy way to get some cash fast but allow us to explain why!

Loan Term Flexibility

This is a big draw, but please note that some auto title loans in Eugene, OR, give a highly flexible time for repayment. (NOTE: ONLY SOME and NOTE ALL)

If you compare the sheer speed and amount of the loan you get from the lender to the time you have to pay it back – it’s a pretty good deal.

Most loan terms in Eugene, OR will allow borrowers to pay back the loan in 1 to 3 years.

This gives you a lot of time to save up or earn enough cash to repay the entirety of the loan.

REMEMBER: when applying for a car title loan, make sure you check all of the available repayment options and select the best one for you.

Don’t be afraid to ask your lender questions!

They may have a BETTER repayment plan than the one you saw first, but you’ll never know if you don’t ask.

Quick & Easy Application Process

Applications for car title loans are easy peasy!

Most, if not all, lenders in Eugene, OR, have an online application process.

It’s the simplest form, and it only asks for basic information, such as:

  • Vehicle model
  • Make
  • Year
  • Mileage

Applying will take literally minutes, and all you have to do is give ALL the necessary information and documents, then allow the experts to review your application and vehicle.

All of this will take less than a day, and some lenders in Eugene even boast not only application approval but full loan approval in just 15 minutes!

If that isn’t easy, we don’t know what is.

You Can Use Your Car

Now, many people think that giving up the car title in exchange for money means that they can’t use the car until they’ve paid back the loan.

That isn’t the case.

With an auto title loan, you can actually use your car while paying off your loan. The lender doesn’t actually take your car when they approve your loan.

So, while you’re paying for any emergencies, footing all the bills, you can still use your car!

The only time that the lender takes your vehicle away is if you do not pay the loan back within the agreed-upon time.

So, as long as you’re sure you can pay back your loan, there’s no need to worry about losing your vehicle!

Are There Any Downsides to Auto Title Loans?

As with anything in life, there are, of course, some risks involved, and that includes title loans.

We want to give you all the essential information about title loans to make the best-informed decision about whether or not this is the loan to choose.

Read on to find out what the downsides are with getting a car title loan!

Some Lenders Check Your Credit Score

If you don’t have a good or decent credit score, pay close attention.

Usually, when you apply for a payday loan in a bank or credit union, they perform a financial check, including a credit check.

So, if your credit score is NOT that good, say goodbye to your chances of borrowing cash.

The same applies to car title loans because some lenders will perform a credit check to go over your credit score. 

The only difference between payday loans and title loans is that you will NOT be rejected right away.

However, bear in mind that anyone with a higher credit score will secure BETTER deals.

Short Repayment Terms

We know that we mentioned earlier that SOME auto title loan lenders have flexible repayment options, but we also have to tell you that this isn’t the case for many lenders.

Usually, title loan lenders will give you 15 to 30 days to repay your loan, which is little to no time at all, seeing as you needed immediate money literally just 30 days ago.

So, keep this in mind. You already have your loan, but you’re still going to have to pay for it within a month.

High-Interest Rate

So, if you’ve ever heard rumors of title loans being difficult to pay off – this might be where it comes from.

Sure, you get your money super quickly, and yes, maybe some lenders will give you some time to pay but more often than not, you’ll come across this issue with most title loans.

When looking at the loan terms, you might find that the interest rate says 20%. Do not assume that this means the rate is annualized – i.e., interest over a year.

Given that we just said most title loans would give you only up to 30 days to complete your payments, then that means the 20% interest is actually 240%.

We know, yikes!

240% is actually a generous amount. Some title loan interest rates will even go up to 300%.

Those interest rates in that amount of time mean that you’re going to end up paying way more than the loan amount you borrowed.

You Could Lose Assets

Now that we have covered the financial risks, what if you can’t pay back the loan?

Well, because it was clearly stated that the car is the COLLATERAL, your title lender has the power to take away your car. 

Once you have the title loan, your lender owns your vehicle title. The entire time you are paying off the money given to you, technically, your car is on loan.

Technically, you’re using the company’s car.

So, if you can’t pay them back for using the money they gave you, they can repossess your vehicle.

How to Apply for a Car Title Loan in Eugene, Oregon?

Now that you have all the necessary information about car title loans – what are they, what are the benefits and the risks – and you’ve decided that you want to apply, here’s how!

Step 1: Choose Your Loan Provider

This is the MOST CRUCIAL STEP in the loan process, so please do not choose a random lender!

Do some research on vehicle title loan services in Coeur d Alene, ID, and you will easily find many options available to you.

Make sure to read through all of the information that their websites have to offer.

The BEST title loan lender is the one that suits your needs the most. 

We suggest doing a little crowdsourcing and checking out any of the previous customers’ reviews about the lender.

Remember to ask questions if you don’t understand what services they provide or if you want to know more about their business.

TIP: Good lenders ALWAYS clarify any confusions you may have.

As much as you need immediate money, it is still most important to make sure you are entering into a contract with lenders that you can trust.

Step 2: Fill Out Your Application

Once you’ve decided on your chosen lender, go ahead and fill out the application for a loan.

We mentioned before that filling out the application is really easy to do. There aren’t too many questions or overly complicated documents to fill out.

Make sure to review your application and state all your information as clearly and correctly as possible to avoid any problem during or later on in the process.

Step 3: Provide Your Documentation

At this point, lenders want the proper documentation to make sure that all your information is LEGITIMATE.

Title loan lenders in Coeur d Alene will usually ask for the following:

  • Vehicle title or pink slip
  • A Photo ID or government-issued ID
  • Proof of Income
  • Proof of Insurance
  • Proof of Address
  • Social Security Number
  • Photos of your vehicle (all 4 sides, including VIN and odometer)

Some may or may not ask for all these documents.

All these steps essentially follow in the same manner for every title loan process.

Step 4: Get Your Money!

Once the lenders have gotten your vehicle’s equity value, you can now read and review your loan documents before signing them.

Once signed, you will have your loan, and you can spend your cash on whatever it is you need to make payments for!

FAQs for Coeur d Alene Car Titles

Here are a few of the subjects that often come up when discussing car title loans in Coeur d Alene.

How Much Value Can I Get From a Car Title in Eugene?

For all car title loans, the loan amount you get will depend on the lender and the equity value they rate your vehicle.

Some lending companies have policies for a minimum value loan amount regardless of whether the vehicle passes the inspections.

Would I Ever Be Denied a Car Title in Eugene?

There is always a possibility of being denied.

You may not get title loans in the Coeur d Alene area if your car is too old or if it has racked up too much mileage.

Also, another factor that many deny your application is your ability to pay the loan, or lack thereof. 

Can I Still Apply for an Auto Title Loan Even if I Don’t Have a Bank Account?

Sure. It will depend on state rules and the lender, but a bank account isn’t necessary for car title loans. Some lenders will require it so that you can repay the money.

However, there are OTHER WAYS you can pay back the loan if you don’t have a bank account.

You can show the following:

  • Bank statements
  • Proof of income
  • Proof of business ownership
  • Proof of employment

Depending on the state of your financials, you may get a better or worse loan contract.

Remember that in all cases, you have to ask!

Do I Need to Be Employed to Qualify for a Car Title Loan?


The lender will likely check if you have other forms of income or business to ensure you can pay back the collateral.

You can even try out some part-time gigs or side projects to generate your own income.

The bottom line is for you to repay the loan amount, so go ahead and pursue whatever method works.

Are Auto Title Loans Payday Loans?

No, although they do have a lot of similarities.

For payday loans, you use a postdated check instead of your car title as collateral. It’s usually the value of the one you get on your next payday.

Apply for a Car Title Loan in Eugene, Oregon!

You can apply for many kinds of loans, but maybe the one that suits your situation the best is vehicle title loans!

We hope that we have given you everything you need to know about title loans in Eugene!

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

Skip to content