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Title loans in Fort Myers

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Title loans in Fort Myers

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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Auto Air & Electric of Lee County

3132 Fowler St

Fort Myers

33901 Florida

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

Should You Apply for Car Title Loans in Fort Myers?

Are you faced with a financial predicament? Has this led you to consider getting car title loans in Fort Myers, Florida? That consideration may be exactly what you need.

The process doesn’t take too long, and your credit report doesn’t weigh too heavily on the decision.

If you need quick cash, let us tell you more about title loans in Fort Myers, FL!

Car Title Loan: Give Us the Deets!

“What are car title loans?” is a natural first question to ask.

Car title loans, also known as auto title loans, provide secure funding where you use your car title as collateral in exchange for the loan.

The loan company will partially own your car, and your car will serve as collateral for the loan you take out.

“Oh, like pawning then?” Well, not exactly.

When availing of a car title loan, you can still drive your car while having the money that you loaned.

You only lose possession of your car when you can’t fully pay off your loan by the end of your discussed term.

Compared to usual loans like a payday loan, a car is necessary to get car title loans. Hence the name.

What Makes A Car Title Loan Different?

Several points make car title loans preferable over traditional bank and payday loans. It’s different from loans you get at banks or tribal lenders.

Find a lender or lending partner for those living in Fort Myers, FL. Try to see which fits your needs and your location.

You should pick your lender well because there might be more competitive interest rates, discounts, or promos depending on where you want to get your loan or credit product from.

Payday loans, traditional loans, and a tribal lender have pros; however, auto title loans also have unique advantages.

We listed below some reasons why you may want to avail of a loan:

#1 Flexible, Negotiable Payment Plan

You may have a time when you have an urgent need for cash. Can I pay it off? It is a smart question to ask yourself.

Car title loans can be long-term. It can serve as short-term financing, or you can negotiate for more long-term monthly payments if that’s what you need.

Suddenly got the funds to pay early?

Fort Myers title loans can provide flexible repayment terms. You can talk to your lender directly about having loan terms suited for your financial situation.

Applying for auto title loans afford fewer headaches because of the flexible loan terms.

#2 Instant funds For Whatever Your Needs Are

Do you have to make some urgent payments? Do you need money right away?

If your answer is “yes” to these questions, then it sounds like a title loan is exactly what you need!

The time needed to process a title loan is very short. It’s what you need for urgent situations, sudden bills, among other uses. Loan approval can be given in a blink of an eye!

There is no need to wait for a business day or two or more. If you have immediate cash needs on the same day as your application, title loans are your best bet.

Such lenders can provide short-term cash loans for your various personal and household purposes.

#3 Credit Checks Are Not a Problem (To a Degree)

Usually, getting a loan approved would require a good credit score. However, when applying for an auto title loan, a good score isn’t an end-all-be-all in the process. Well, to a certain degree.

Your credit scores will not usually be checked for title loans as long as all your requirements are in order.

But still, some car title loan lenders in Fort Myers, Florida, may obtain consumer reports from consumer reporting agencies.

An auto title loan application allows a consumer to apply despite having a bad credit score. However, those who want to get a loan with a bad credit score are less likely to get offered better deals.

Customers with a better credit score are more likely to get special promos or better interest rates than those with bad credit scores.

Anyone can avail of an auto title loan regardless of their financial situation. But, customers with better credit also, by and large, have a smoother time getting their loans approved.

Title loans are easy to apply for, although it’s by no means guaranteed approval.

What Are the Requirements for Car Title Loans In Fort Myers?

It’s easy to apply for a title loan, even in Fort Myers! It’s something we’ve been emphasizing all this time.

However, being informed about the correct procedure and required documents is important.

The requirements differ depending on the state you are taking a loan out.

To cite an example, a lender’s credit criteria and necessary paperwork for an application for a title loan could vary compared to another state, from Fort Myers, Florida, to Texas.

Within a state, there will be lenders that may have different, varying requirements for their title loans.

So it’s always a good idea to contact the lender ahead if you are thinking of getting your loans from them. Their customer service agents will surely provide you with the information you are looking for.

But generally speaking, here are the required documents for the residents of Fort Myers, FL, to apply for title loans are as follows:

1. Present Identification to Proceed

If a person wants to get a title loan in Fort Myers,  applying must be 18 years old.

To establish that you are, in fact, aged 18 or up, ID proof is required before you can properly apply for a loan.

Remember that you need a valid, government-issued ID. Your identification papers or documents can be a driver’s license, passport, or any such identification when you come in to apply.

2. Prove That the Vehicle Is Yours

This is a very important part of the process of a car title loan, the vehicle title. It can’t be a title loan without a title.

To take out a title loan in Fort Myers, Florida, you need some way to prove that you are the owner of the vehicle that you want to use as collateral for your loans.

In other words, you would need a pink slip or a title certificate or any document of the sort.

Aside from the documents mentioned above, certain lenders may ask for your vehicle registration and insurance papers.

Keeping that in mind, having these documents on hand when you come in for a loan application could make your application go more smoothly.

Other than those documents, keep your vehicle details and vehicle identification number in handy as well, just in case.

3. Car Title Loans in Fort Myers, Florida Need a Car, Who Knew?

Guess what other important thing you need to apply for a title loan. That’s right; a car is necessary to avail Fort Mers title loans. A little obvious, isn’t it?

Certain lenders could also try to check the condition of your car themselves. You should pay careful attention to your car’s condition before they do

Because this is how they would appraise the car’s equity value, which is connected to the actual loan amount you may get.

You may even get more money if your car is in amazing shape.

Taking that into account, make sure that your car is in the best condition it can be before you come in to apply for a loan. You’ll never know; you might get more than you bargained for.

4. Some Proof of Income

You need to prove to your lender that you have a way to get money in your possession.

A lender would prefer a borrower who can pay off the loan. So presenting some income proof is invaluable to a lender.

Some lenders will approve a cash loan without any proof of income.

The catch is that you still have to present some alternative documents proving that you have some way of making the monthly payments to the loan you want to take out.

Here are some alternative documents you can submit to a lender if you don’t have any proof of income:

  • Bank account statements
  • Credit union statements
  • Retirement checks
  • Social security
  • Disability payments
  • Insurance proof

 5. Proof of Residence In Fort Myers, Florida

This is the last requirement you need to shell out if you’re considering taking out a title loan.

You need documents to prove that you currently live in Fort Myers, Florida. There are a few states where car title loans are illegal, and your lender needs to know if you are legally entitled to a loan.

Listed below are a few ways you can show proof that you live in Fort Myers, Florida:

  • Lease agreement
  • Phone bill
  • Utility expenses documents

 How to Apply for Fort Myers Title Loans: A Step By Step Procedure

Applying for title loans in Fort Myers is sure to be an easy process! As long as you follow the proper loan process, you will get the cash you need before knowing it!

We’ll guide you through the application process one step at a time, so let us start with the first step:

Step 1: Fill Out The Loan Documents

First things first, when you apply for a title loan in Fort Myers, FL, you need to provide your lender with the proper personal information they ask for.

It’s a very straightforward process. Just fill in the necessary information in the form inquiry processes.

Some places will have the option for you to apply online. If that option is more convenient for you, you should check to see if they offer it.

In this step, you can consult your lender concerning your loan terms.

You can discuss with your lender about the loan amount, the interest rates, when you think you will be able to pay off the loan, and other details about the loan that may concern you.

Step 2: Submit Your Requirements To The Loan Officer

Let’s review the various requirements you need to have on hand when you come in to apply for a Fort Myers title loan. Make sure you have the following documents and items:

  • Identification documents
  • Title for the vehicle
  • The vehicle itself
  • Proof of Income
  • Documents show valid proof of residence

 When you have submitted all the required documents, you only need to wait for the final approval of your loan. You’ll be put at pending review or conditional approval.

The minimum loan amount you will pay will depend on the car’s equity value, what you discussed with your loan agent, and their evaluation of your capacity to make payments.

Once you have given all the documents and waited a bit, you can move on to the next procedure.

Step 3: The Main Event: Finally Getting Your Cash

This is it. You are finally getting your hands on some cold hard cash.

If all goes well, your lender will give you the thumbs up on their credit decisions. Once that’s all settled and the consumer qualifies, you have to collect your money.

Use that money to pay for any expenses you may need to pay off. Business expenses, living expenses, setting some financial issues straight, it’s up to you!

Title loans in Fort Myers are intended primarily for personal purposes.

A brief warning: It may seem obvious, but you need to pay off the loan at the end of the loan term.

We encourage consumers to pay according to their terms and pay early to avoid additional finance charges.

Remember to use your newly acquired funds as best as possible; don’t waste them!

Requirements for an Online Application in Fort Myers, FL

These days everything is online. It would be weird to have some services not online these days. To capture that market, some lenders undoubtedly will provide that opportunity to apply online.

An online application procedure would surely make it more accessible to get a car title loan anywhere in Fort Myers and at any time.

As with other things, you should check with your specific lenders if they offer online title loans application services.

The requirements for online applications are mostly similar.

  • Car Title
  • Photos of the vehicle
  • Photo of ID: Government-issued IDs like a driver’s license, passport, etc.
  • Proof of income: Bank account statements, pay stubs, etc.
  • Proof of residence: Utility expenses, phone bill, house title, etc.
  • References: You’ll need a character reference which may be personal or professional

 Undoubtedly, it is the most convenient avenue to a fast loan procedure. They can direct deposit it to your bank account with online loan processing. If all goes well, it won’t even take a business day.

Frequently Asked Questions

There is a lot of information you need to know concerning a car title loan application in Fort Myers, FL.

You may have other remaining questions about certain of the particular details of the loans.

So below, we’ve tried to anticipate some of the more frequently asked questions about the application process of a Fort Myers title loan:

How Long Do I Have To Wait for the Loan to Process In Fort Myers?

Usually, it would take about an hour to a few hours for the loan to be fully processed.

The time it takes to process depends a lot on the circumstances of each customer, of course.

But if everything goes as planned and you submit all the requirements, you can expect to get your funds in about an hour or at the most within a day.

How Much Cash Can I Expect?

How much money you are entitled to get is based on the value of the vehicle you want to use as collateral.

But generally speaking, if you are approved for the loan, you are guaranteed a minimum cash amount of $2,500.

Some customers may be entitled to a larger loan amount. The annual percentage rate and minimum loan amounts vary depending on the customer.

Other factors that affect how much money you receive are the terms you discussed with the lender and how good your credit is.

Other Vehicles That Are Viable Collateral for a Title Loan?

Yes, you can use different types of vehicles as collateral! Some prospective loan borrowers have used certain vehicles as collateral for their title loans.

You may even have other vehicles in mind, such as boats, trucks, or maybe even an airplane! The motor vehicle you can use is unlimited as long as it is yours.

But as always, you should always check with the lender you’re planning to take your loans out to see whether you’re providing acceptable property as your collateral.

Each lender has its policies for acceptable motor vehicles for collateral. So it’s a wise idea to double-check with them first before you fly a helicopter to your nearest lender.

How Many Auto Title Loans Can I Get?

It’s impossible to take more than one auto title loan using the same vehicle. BUT, if you have another vehicle that you’re willing to use as collateral, you can use that for a loan instead.

However, you should think of this decision very carefully. Do you want to risk TWO vehicles for a loan?

Two loans with interest stacking up and having the risk of losing two vehicles at the same time probably won’t be the best idea, even in an emergency.

What Hidden Costs Should I Look Out For?

It would be best if you kept an eye out for a few hidden fees when applying for a loan. Besides your interest rates, there are other hidden fees that you may want to check for.

Here are a few of those fees that you should look out for or talk to your lender about before you think of sealing the deal on loan.

  • Insurance fees
  • Late penalties
  • Transaction fees
  • Appraisal fees
  • Prepayment penalties
  • Transaction fees

 These are just a few of the fees you need to be on the lookout for, so be careful when talking to your lender and read the fine print carefully before signing up for any loan.

Loans already take up a lot of time and effort. So do your due diligence and make sure you are aware of all of the parts of a loan processing so that you don’t get surprised when there are extra costs.

Be consumer secured.

What Happens During a Repossession in Fort Myers, FL?

If you can’t make the payments on your title loans, the lender will have to repossess your vehicle. That gives them the right can also sell the vehicle at an auction.

There are, however, federal laws that can protect you in this situation too.

Repossession doesn’t necessarily spell the end for your vehicle ownership. You can still make a last-minute payment.

The lender should also tell you when they repossess it and when they’re planning to sell it at an auction.

The lender should also notify you ten days before the sale to give you the last-ditch attempt to pay back what you owe.

Is Getting A Title Loan in Fort Myers, FL, For You?

You now know all about how to get title loans in Fort Myers, FL now.

But is it for you? If you need funds RIGHT NOW and don’t mind risking your car, consider it.

Remember to be careful of where you put your loan proceeds. Pay on time and try not to lose your car!

The next time you need a loan to pay off sudden bills or health expenses, you know all you need to get a successful application!

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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