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Title loans in Fort Luaderdale

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Sunday:

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All our loans are processed online. This location provides only GPS services, it does not issue loans

Title loans in Fort Luaderdale

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.đź‘Ťđź‘Ť
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.đź‘Ť
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.
Cobble
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
Google Rating
4.6

Address

Autologix/ Auto Luxsa LLC

901 N Andrews Ave a

Fort Luaderdale

33311 Florida

Service type

GPS Installation Centers

Start your loan process at this GPS Center

How it works

Advantages

Our main
advantages

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

Benefits

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

How to Get Car Title Loans in Fort Lauderdale, Florida

No money? No problem!

Fortunately, car title loans (a.k.a auto title loans or pink slip loans) can help you out when unexpected expenses come your way. It’s the easiest method to get fast cash without getting out of the comforts of your home!

And we’re not even at the best part. You can get your loan approved WITHIN ONE BUSINESS DAY!

If you’re from Fort Lauderdale, keep reading to know how you can apply for an auto title loan.

Title Loan: What is it?

Title loans are considered short-term financing.

It’s open to ANYONE who needs some emergency cash.

Whether you have bad credit or no credit history, you are still welcome to apply. What’s only required is providing the acceptable property with a CLEAN TITLE.

Usually, borrowers use their car as a guarantee (also known as an auto title loan).

So, how does the loan process work?

How Car Title Loans Work

Title loan lenders will assess your car value and make an offer. If you choose to accept their terms and submit all requirements, you can drive away with the money IMMEDIATELY.

You don’t even have to surrender your vehicle. Just make sure to give your car’s title to the auto loans provider. It will serve as your collateral IN CASE you default in payment.

So you must be making payments regularly. Otherwise, if you’re late on settling your car’s equity debt, the lending company has the right to take away your vehicle.

It’s undeniable that a title loan is heaven-sent to those with immediate cash needs. However, this form of financing may not be the right option for everyone.

How will you know if it’s right for you?

Fort Lauderdale Title Loans: What to Consider

If you’re living in Fort Lauderdale, Florida and are thinking of applying for auto equity loans, consider the following points first.

1. Company Reputation

Applying for fast title loans must not be treated lightly. After all, it’s a financial obligation.

While there are multiple lenders in the Fort Lauderdale area, opt for the most trusted and reliable lending company. These days, it’s easy to establish a business without an actual office (OH, SKETCHY!) 

Do intensive research.

It’s cozier to sleep at night knowing you’re in good hands.

2. Borrowing Percentage

Don’t think there’s no limit to how much money you can borrow. Loan amounts vary from one provider to another. But it mainly depends on:

  • Your location
  • Car’s condition

To make the most out of your title loan application, check every providers’ minimum loan amounts.

3. Interest Rate 

Some car title loan lenders offer extremely high-interest rates. We recommend avoiding these types of businesses AT ALL COST.

There’s nothing wrong with checking your area’s auto title loans regulation. It might be a drag to read legal documents, but knowing your rights can help you in the long run.

In Fort Lauderdale, title pawn lenders can only charge a maximum annual percentage rate of 30% for the first $2,000 borrowed. This means that if you borrowed $1,000, you’re required to pay back $1000 in principal PLUS $300 in interest over the year.

We suggest doing the math (even if you hate it) so you can anticipate how much interest you’re willing to take.

4. Convenience of Application

Traditional forms of financing (i.e., bank loans) can be a hassle because of the slooooow approval process and loooooong waiting line.

Don’t you just wish you could apply for a loan at home with the final approval issued within ONE BUSINESS DAY?

Luckily, providers of car title loans in Fort Lauderdale embrace the wonders of technology. More and more are opening their business for online application. So you can chill on your couch while doing your loan application.

5. Confidentiality of Information

Any information uploaded online can be hacked. And since car title loan requests are done over the net, you’re also vulnerable to this issue.

You need to make sure that your provider can secure your personal data.

Well, we’ve pretty much covered the main things you need to think about when applying for online title loans in Fort Lauderdale.

If this is the perfect move for you, check out their requirements!

Fort Lauderdale, Florida: What You Need to Bring

To make sure you have a fast and hassle-free application for a title loan in Fort Lauderdale, make sure you have these requirements!

1. The Car’s Title

Hopefully, you have this one at hand, or this whole thing wouldn’t be possible!

In Fort Lauderdale, you must present the original title showing you have SOLE ownership of the vehicle.

It must also be free and clean. In other words, you must prove that the vehicle is fully paid for and no other creditors have a claim for it.

2. The Car 

A title pawn lender needs to assess your car’s value. In case you’re curious, they would mostly look for the following:

  • Year
  • Maker
  • Interior
  • Model
  • Mileage
  • Other extras 

 By the way, since the application for a title loan in Fort Lauderdale is done online, verification of vehicle features is done the same way.

Just upload a photo of your car (in four different angles, of course!) and your odometer so they can properly check its condition.

This is so they can see you’re providing acceptable property.

TIP: It helps to know your Vehicle Identification Number (VIN), so the lending company can accurately get your car’s value and determine your possible loan amount.

3. Proof of Identification

Upon application, the direct lender must verify the personal information mentioned in your loan documents.

In this case, you must present a government-issued ID.

4. Car Insurance

For most states (except in Virginia and New Hampshire), you need to get your car insured. 

What if you were caught driving an uninsured car? UH OH. Expect some trouble! This could result in license suspension or payment of a fine.

Because it’s required by law for vehicles to have insurance coverage, it has also become one of the requirements for application in any car title loans. 

But frankly, whether or not you are applying for an auto title or secured loan, we believe it’s wise to get car insurance.

Why? 

It’s a way to protect yourself. Without it, you’ll be stuck paying for any car accidents to which you’re liable (YIKES!).

5. Proof of Income

I know what you’re thinking: what if I am unemployed?

If you’re between jobs, you’re still eligible to apply for a title loan in Fort Lauderdale. For as long as you can prove you can repay the borrowed money. 

You can present the following instead of the proof of income:

  • Bank statement
  • Disability payments
  • Social security payments
  • Any other benefits that you receive

By the way, there’s a MISCONCEPTION that there are no lender’s credit criteria in Fort Lauderdale. Some think even people with a bad credit history are automatically accepted for a loan.

We hate to burst your bubble, but auto title loan providers MAY still require credit checks. After all, they want to make sure you can pay the loan.

Thus, people with good credit history have a higher chance of receiving BETTER DEALS and LOWER INTEREST RATES  than those with poor credit rating.

6. Car Keys

A working DUPLICATE of your car keys needs to be presented, too.

We suggest that you prepare this beforehand to avoid any inconvenience.

7. References

You need to submit at least two valid references, with their basic information, to your auto title loans provider. These people must NOT BE RELATED to you by blood and can vouch that you’re good for the money.

REMINDER: Before we end this part, add one more nugget of wisdom. After all, we don’t want you to come unprepared for your title loan application in Fort Lauderdale.

The thing is: don’t be shocked if your lender requires you to install a GPS tracking device in your vehicle.

What is that for?

Well, this comes in handy when lenders get the right to repossess your car, or they have to remotely disable it.

But don’t panic! They are not allowed to do this on a whim. This unfortunate situation can only happen if you fail to repay your car’s equity debt. For as long as you’re staying on top of your payments and making the right credit decisions, you can do your own thing.

Now that we got that out of our way, do you have everything needed?

Next stop: applying for an auto title loan in Fort Lauderdale.

Fort Lauderdale Title Loan: Process

We’re pretty sure you got to this part because you’re decided to apply for a car title loan.

Luckily, the loan process in Fort Lauderdale is EASY-PEASY.  

Everything can be accomplished ONLINE. You don’t even have to wait a long time for its approval! You can get the result within 24 HOURS.

TIP: Before even thinking about sending your application requirements, do your research first! We can’t emphasize this enough. 

Remember that title loans are short-term financing solutions that may come with high-interest rates. So, do the math and choose a provider with low monthly payments.

Enough with the chit-chat. Let’s do this!

Step 1: Apply Online

Again, most title loan lenders in Fort Lauderdale accept online applications. So you don’t have to bother getting out of the house. Such a relief, right?

But if you don’t have any net access, that’s fine. You can personally go to their shop fronts or give them a call.

If you already have a chosen lender in Fort Lauderdale, fill out their form with your basic information. Providers of title loans usually ask the following questions:

  • Personal information
  • Actual Loan amount
  • Vehicle details 

NOTE: While most title loan providers claim they accept individuals with poor credit score, others may still require a credit check. Our piece of advice: it pays to review your credit score. It will just make the whole loan process hassle-free.

Step 2: Get Pre-Approved

If you’re done with the first step, wait for your lender to contact you. Give them time to check your documents and appraise your car.

Sometimes, lenders grant conditional approval if the assessment part of your application takes time. But, it’s not a guarantee that you’ll be approved. There may be circumstances that can derail your request (e.g., incomplete documents, poor credit score, etc.)

The approval or denial of your request mostly depends on:

  • Validity of documents
  • Value of car
  • Credit check (optional)
  • Ability to repay the loan (very important!)

Step 3: Review the Terms and Conditions

If you got into this part, then congratulations!

You’re title loan application just got approved (WOOH!)

Read the loan agreement first before you get your stacks of $$$ bills and make it rain.

Don’t be hasty

Read all the provisions. If there are things, you don’t understand, better ask your lender or people you trust.

Spare a few minutes to think about:

  • Terms and conditions
  • Hidden fees
  • Interest rate
  • Penalties
  • Pay period

If you’re not satisfied with conditions, how about trying to haggle with your provider? There’s no harm in trying, right?

Don’t copy others who mindlessly sign their contracts. Without fully understanding it, going into any agreement can bite you in the back (OUCH!).

TIP: Familiarize yourself with regulations on American title loans–especially those relevant to Fort Lauderdale, Florida. Check your State’s repossession laws and consumer rights policies, too.

Step 4: Withdraw Your Money

Once you’ve agreed with your lender, the loan proceeds can now be released. You can get your money through a check, wire transfer, or hard cash.

At this point, it is important that you also surrender your car’s title and duplicate keys. You can recover your items once you have fully repaid the borrowed money.

Car Title Loans Fort Lauderdale, Florida: Pros and Cons

Do you still have reservations about going for an auto title loan?

That’s normal. It’s not for everybody, anyway.

Maybe, checking its benefits and drawbacks can help you.

Pros

1. Lenient credit check

Unlike large corporations (i.e., banks) in the country, lenders are more lenient with people with bad credit loans. They may still do some credit checks, but it doesn’t automatically disqualify you from borrowing some money (HALLELUJAH!).

There’s still a chance to get approved even with bad credit. But, again, borrowers with higher credit scores will receive better deals.

2. Quick approval

Title loans in Fort Lauderdale only take a few hours to get approved.

3. Fast cash

Because the approval of car title loans usually takes one business day only, this means you can get your money immediately. It’s also good that there are multiple ways to withdraw cash.

Cons

1. You can lose assets

If you are not regularly paying your dues, there’s a possibility that the lender will repossess your car. So, make sure you’re staying on top of your bills to avoid these messy situations.

2. High-interest rates

Short-term loans have steep but competitive interest rates. If you don’t manage your money well, this can result in financial ruin! We’re 100% sure you don’t want that.

Take your time and research the title loan companies in Fort Lauderdale before making any decision.

Fort Lauderdale Title Loan: Frequently Asked Questions

Here are some common queries when securing a title loan.

Can I Still Apply for Car Title Loans Even if I Don’t Have a Bank Account?

This mainly depends on your title lender. Others require it, while others don’t.

Our advice: it doesn’t hurt to have a bank account. It’s primarily for convenience. Borrowers usually receive their loan amount through bank accounts.

How Much Cash Can I Receive in Fort Lauderdale Title Loans?

Minimum loan amounts vary per area.

In Fort Lauderdale, they follow the cap set by Florida statute. According to their guidelines, title loans can only amount to 25% to 50% of the car’s value. 

TIP: It’s better to borrow the least amount of cash. In other words, if you’re living in Fort Lauderdale, pick the 25% option. That way, you can pay off your loan immediately and get your car title back as soon as possible.

Are There Additional Fees For Title Loans in Fort Lauderdale, Florida?

Unfortunately, there are extra fees you have to incur when applying for car title loans.

So when it’s time for repayment, DON’T FORGET about the additional costs.

In this case, you might pay for:

  • loan origination fees
  • document fees
  • processing fees

These extra fees must be included in the car title loans agreement.

By the way, there are situations where creditors place a penalty if you pay early. So, better talk to your lender if you have payment-related concerns.

How Can I Pay For My Car Title Loan in Fort Lauderdale, Florida?

There are multiple options to repay your loan, from wire transfers, phone payments, checks to hard cash. But in case of doubt, it would be best to reach out to the company’s customer service agents.

I Own Two Cars. Can I Get One Loan Based on Both? 

Unfortunately, no.

You can only use one car for one loan request. However, if you’re married and the title is under your name and spouse, each person can apply for a separate loan.

How Long Does it Take to Pay Title Loans in Fort Lauderdale, Florida?

A title loan is a short-term loan.

They require quick repayment and are usually due within 30 days.

Now, if you think you can’t repay all your dues within a month, it’s better to discuss with your title loans lender if there are other possible flexible arrangements.

TIP: Your lender might be open to compromise when you have issues if you pay your dues on time.

Can I Opt for a Buyout or Refinance My Title Loan?

Yes, it’s possible.

When we say refinancing, you have an existing title loan, but you decided to work with a different direct lender. In this case, your new lender will repay your remaining loan amount to your previous lender. Afterward, your new lender becomes your creditor.

NOTE: We recommend checking if there are prepayment penalties in the original agreement.

On the other hand, a buyout mostly comes with better terms and low monthly payments. It works similarly with refinancing a secured loan at competitive interest rates.

Therefore, you can get a buyout from a new lender or refinance your title loan to access better rates.

Are Title Loans Better Than Payday Loans?

Payday loans do not require collateral. What only binds the creditor and debtor is the agreement that the loan will be repaid once the borrower receives their next paycheck. Further, payment transfer can be done through a bank, credit union, or prepaid card account.

While this sounds tempting, it’s still easier to take a car title loan. It has a longer repayment period PLUS higher loan amounts. 

Conclusion

Finally! We’ve reached the end of this guide.

We hope you got all you needed to apply for a car title loan.

But before we end, allow us to leave a piece of advice: title loans are not a permanent solution to fixing financial issues.

Before rushing into anything, do proper research first. Identify if the option caters to what you need AND if you can shoulder the obligation.

Are you looking for auto title loans in Fort Lauderdale, Florida?

If you found this article helpful, feel free to share your thoughts below!

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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