Know Before You Borrow in Virginia
- Interest rate cap: 36% per year interest plus optional monthly maintenance fee up to $15/month
- Loan range: Up to $2,500 (no minimum)
- Repayment term: 6 to 24 months
- Regulated by: Virginia State Corporation Commission (SCC) – Bureau of Financial Institutions
For complete Virginia title loan regulations and consumer protections, visit our full Virginia guide.
Quick Answers About Title Loans in Falls Church
At Montana Capital, your car secures the loan. You can borrow up to 50% of your vehicle’s market value based on the car’s worth and your ability to repay, up to Virginia’s $2,500 cap. The lender records a lien with the Virginia DMV and holds your paper title while you keep the car. Monthly repayments run 6 to 24 months, and your title is returned on full payoff.
Bad credit is not the main factor for title loan approval. These loans are designed for borrowers with poor or no credit history. Approval is based on your vehicle’s value and your ability to make payments, not your credit history.