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Home > Florida > Fort Myers

Title Loans in Fort Myers , Florida

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Location Information:

MC representative


3132 Fowler St
Fort Myers
Florida   33901

Working hours

Mon - Fri: 9am - 7pm

Saturday: 10am - 5pm

Sunday: Closed


Title Loans up to $50,000


Montana Capital Car Title Loans Reviews

Hands down, the best car title loans I've ever come across! Quick approval, fair terms, and fantastic customer service made the whole experience very easy. If you're in need of cash fast, I'll definitely recommend them.
Tom M.
Tom M.
Montana Capital Car Title Loans, which is conveniently located in the center of Fort Myers, became a financial haven for me. They set themselves apart as the preferred option for anyone looking for a reliable title loan in the Fort Myers... area because of their unwavering dedication to client happiness, professionalism, and transparent terms.read more
Robert R.
Robert R.
I was pleased to discover the installment loans option offered by the loan company. This feature allowed me to borrow the required funds and repay them in fixed installments over a specified period. The flexible terms and convenient... repayment structure made it an effortless and hassle-free experience. Thank you Montana Capital Car Title Loans! 👏🏻👏🏻👏🏻read more
I was pleased to discover the installment loans option provided by the loan company. This allowed me to borrow the required funds and repay them in a structured manner, with fixed installments over a specified time frame. The flexibility... of their terms and the ease of repayment made it a hassle-free experience. I highly appreciate their service. Thank you Montana Capital Car Title Loans!read more
Gabriel H.
Gabriel H.
I was pleased to discover that the loan company offers installment loans. This option provided me with the opportunity to borrow the needed funds and repay them over a specified period in consistent installments. The company's flexible... terms and straightforward repayment structure made it a hassle-free experience. Applaud-worthy indeed!read more
Krista S.
Krista S.
As someone with bad credit, finding the best loans can be challenging. Luckily, I stumbled upon this company that specializes in helping individuals with poor credit. They offered reasonable terms and helped me improve my financial... situation.read more
Dena J.
Dena J.
I was delighted to find the loan company's installment loans option. It allowed me to borrow the necessary funds and repay them over a set period in fixed installments. Their flexible terms and easy repayment structure made it a... stress-free experience.👏🏻👏🏻👏🏻read more
Gary V.
Gary V.
I was in a tight spot and needed financial help, but I didn't have a car. This loan company was a lifesaver with their title pawn without a car option. Their process was straightforward and stress-free, and I got the assistance I needed... without the usual car requirements. Highly recommended for their flexible solutions!read more
Brooke P.
Brooke P.
After searching high and low for "title loans online near me," I stumbled upon this gem of a loan firm. Their team was like a financial lifeline when I needed it the most. The service was top-notch, and the whole process was a breeze. 5... stars for their outstanding assistance and support!Thanks!!read more
Nettie K.
Nettie K.
When I needed a title loan with my financed car, I searched for options near me and found the loan company. Their proximity, professional service, and knowledge of working with financed cars made them the perfect choice. So happy with... them!!😃😃read more
Cathy R.
Cathy R.
I was searching for title cash near me and this company came as recommended on the web. I am glad I chose them as they were very professional and helped me get the money I needed.
Erin H.
Erin H.
I had never considered auto refinancing before, but this loan company made it a no-brainer. The process was easy, and I was able to save money on my monthly car payments. I highly recommend this loan company to anyone looking to refinance... their auto loan.read more
Jackie M.
Jackie M.
The car title loan amount I received from this firm was more than what I expected. It helped me take care of my financial needs without any hassle.
Camille R.
Camille R.
With the lending firm, we are quite happy. They have consistently kept their word and given us the best loans for people with bad credit. They have always kept us informed of the status of our loan and have been incredibly professional.... They are someone we would strongly advise to anyone in need of a loan.read more
Mamie M.
Mamie M.
This loan company offered me a cash loan on my car title and the process was very easy. I got the money I needed quickly and without any hassle. I would definitely recommend them to anyone in need of a short-term loan.
Sandra M.
Sandra M.
I had some bad luck with my credit score and thought I would never be able to get a loan, but this company was a lifesaver! They helped me get a loan with great terms and a low interest rate. I highly recommend them to anyone with bad... credit.read more
Michele P.
Michele P.
I needed some quick cash and decided to exchange my car title for a loan with this company. It was a super easy process and the money was in my account the next day. I would definitely recommend them to anyone in need of some quick cash.
Elena L.
Elena L.
It is a wonderful company to get a car title loan on easy installments and I am telling this to everyone from my own experience. In the past 1 year, I have taken 3 loans from them and the process has always been great. Without any second... thoughts, I recommend this company to people where they can apply for title loans and be sure of getting approval easily.read more
Trust me, I had spoken to many companies as I wanted a title loan with bad credit history. No other company was willing to give me loan except this one. Your loan has helped me consolidate my credit rating and even improve it. I really... loved the experience of getting loan via your company.read more
Frances J.
Frances J.
If you're looking for a title loan, I would definitely recommend Montana Capital Car Title Loans. I didn't know that getting a title loan can be that easy, but the team at Montana Capital is efficient and made the process simple. I would... definitely use them again if I needed a title loan.read more
Edith M.
Edith M.
I was skeptical at first about getting a title loan without seeing the car, but the loan company was very professional and honest. They gave me a fair loan and were able to get the money to me quickly. I would definitely recommend them to... anyone in need of a title loan.read more
Theresa W.
Theresa W.

3 Easy Steps to Get a Car Title Loan in Fort Myers

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

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Depending on how much your car is worth, how much money you need and your ability to repay you could get up to $50,000.

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  • Apply online or call us
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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!

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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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