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Title loans in Happy Valley

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

Title loans in Happy Valley

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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PDX Auto Electric

8206 SE Gray St

Happy Valley

97086 Oregon

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

Car Title Loans in Happy Valley, Oregon: Complete Guide

Whether for utility or medical expenses, home repairs, or a summer getaway, a title loan can be a quick fix for a bad financial condition.

This makes car title loans one of the options that can cross your mind when your need fast cash.

If you’re from Happy Valley, Oregon, we’re delighted to tell you important points on how car title loans work. Catch the drift of title loans and find out if this is the option to help you solve your financial needs.

Auto Title Loans, Happy Valley

Happy Valley, Oregon’s average household income today sits at $89,852. Among the city’s total population, 6.9% are said to be below the government’s poverty line.

On top of this, a family of three in Happy Valley must pay a gross median monthly rent of $1,279. They must also pay for living expenses, health care, and education.

With these factors, having unexpected fees that require them to provide a HUGE sum of money would cost them an arm and a leg. They’d need a fortune. They don’t have to stay out of debt.

Luckily, there are several types of loans in Happy Valley that would help residents pay their bills. One of these is the topic of our discussion: car title loans.

What Are Auto Title Loans?

A car title loan (also known as an auto title loan) is a type of secured loan that requires a borrower to pledge their vehicle in exchange for money.

The amount of cash you can borrow depends on your car’s market value. The costs you’ll pay, on the other hand, are based on the imposed rate of your creditor.

At times, the lender’s evaluation of your capacity to pay for the loan also matters.

This type of short-term loan is very easy to process. You can apply online and get approved on the same day. Make sure you meet the lender’s basic requirements and are ready.

Who Is It For?

Auto title loans are one of the easiest ways to get cash. This is a viable option if you have urgent bills to settle and you’re short on funds.

It can help you get additional cash for emergency funding, especially if you must pay your bills off immediately. You can use the money you get from a car title loan for:

  • Home repairs and utility expenses
  • Medical expenses
  • Education
  • Vacation
  • Major purchases

As long as you have a qualifying vehicle named after you and meet the requirements set by lenders and state laws, you are eligible to apply for a car title loan.

Individuals that are allowed by lenders to apply for a title loan are those who have a stable income, good employment status, and an active bank account.

This is to ensure that the clients can repay their dues on time. This also prevents them from dealing with fraudulent activities and difficult clients.

Additionally, you must be a US resident with a permanent address in Happy Valley, Oregon. This specifically applies to individuals who want to apply for a loan in the city.

The lending firm might ask for proof of identification and residence as part of your requirements.

Benefits of Happy Valley Title Loans

Traditional bank loans can sometimes be difficult, especially if you need the money instantly. It would take you days, if not weeks, to get approved with such loans.

On top of that, you are required to do in-person transactions with your agent. This could be challenging and a hassle for people with day jobs and hectic schedules.

To get around such issues, people opt to apply for other cash options, like car title loans.

Instant Approval and Cash Transfer

Unlike a traditional bank loan, you can claim the cash from an auto title loan on the SAME DAY (or after one business day) of your loan’s approval.

Hassle-Free Application

You also have the option to either transact with your lender online or visit their physical stores.

The online application option also makes the process hassle-free for all clients. There’s no need to wait in long lines for hours to apply for car title loans.

You only have to visit their platform using a smartphone or computer, submit your requirements, and wait for the lender’s approval.

Once approved, you can get your money via two options:

  • The lender directly deposits the money into your bank account
  • You will pick up the cash from their physical store

Car title loans are a fine choice if you want more hassle-free, quick, and straightforward transactions than a traditional bank loan.

How Do Title Loans Work?

For auto title loans in Happy Valley, Oregon, the maximum loan amount can reach up to $50,000.

The cash you can get out of your title loan varies based on your capacity to repay the loan amount and your vehicle’s condition.

The lender may require you to declare your car’s make, model, year, condition, and current mileage.

This information is essential to know the current equity value of the vehicle used as a pledge. Lenders also use this to identify if the car is still in GOOD SHAPE and not damaged.

For an online title loan application, there are fields you need to fill in as part of the web form.

At times, lenders can directly approve your application in minutes. However, there are instances where they would require you to bring the vehicle to their store for a physical inspection.

Other Requirements and Documents

Other things you must ensure to get your vehicle qualified for car title loans are the following:

  1. The vehicle used as a pledge must be registered under your name. The lender may require documents that prove your sole ownership of the vehicle.
  2. The vehicle’s cost must be MORE than the amount you plan to borrow from the lender.
  3. The vehicle should be in mint condition. In case you fail to repay the loan, the lender may confiscate the car and put it up for sale.
  4. The vehicle’s title is CLEAR. It’s not currently used as a pledge for title loans in other lending firms.


The requirements in applying for auto title loans in Happy Valley, Oregon, are very simple.

It would be best if you were of legal age to qualify for a title loan. You must also be a resident of Happy Valley at the time of loan application.

On the other hand, during the online title loan application process, you must provide personal information to your lender.

In the application form, you may be asked to give your name, home address, mobile phone number, e-mail address, zip code, and monthly income.

Moreover, the creditor may ask for information about the car to be used as a pledge for evaluation purposes.

Additional Documents

After which, you will be required to submit the following documents for verification:

  • Proof of income and employment
  • Proof of residency in Happy Valley, Oregon
  • Proof of vehicle registration and ongoing insurance
  • Government-issued IDs
  • Bank account information under your name
  • Photos of your vehicle

These requirements may change depending on the lending company. Yet, these are the most common documents asked for in an online title loan application.

NOTE: Some lenders are open to negotiations if you are unemployed or don’t have any proof of employment. Some don’t ask for these checks at all.

Application Process

Unlike traditional banks, applying for car title loans near Happy Valley, Oregon, is much more flexible and laid back.

You can apply for any title loan services online by accomplishing the free online form. You can also visit the lender’s physical store if you prefer in-person transactions.

Here’s a step-by-step guide if you wish to apply online:

  1. Choose a lender – Different lenders in Oregon offer various title loan services. There are also those from other states catering to Happy Valley residents.
  2. Visit the lender’s website – After careful selection, you can proceed with the online application. You can access the free web form where you must input important details on their website.
  3. Submit necessary documents – After filling in the application form, you must submit the documents required by the lender for verification via e-mail.
  4. Sign the contract – Upon your application’s pre-approval, the lender will send a contract through your e-mail or mobile phone. Read all clauses before affixing your signature and ask for the contract’s soft copy.
  5. Get your cash – Once all paperwork is settled, you can already claim your requested loan amount. You can ask the lender for a direct deposit or claim it in their physical store.

NOTE: When dealing with contracts, as well as terms and agreements policies, make sure to read them carefully. You may also ask for legal advice from a lawyer when needed. 

Before submitting the online application, you’ll need to agree to some policies imposed by the company. 

By agreeing, you express written consent that you PERMIT lenders and their agents reach your phone number through calls or by sending a text message. 

You also permit them to use your data for the application’s approval and evaluation and for any legal purpose it may serve. 

Do Lenders Perform A Credit Check?

When applying for an auto title loan, one of the most common questions asked by clients concerns credit checks.

In traditional banks, bad credit is a MAJOR factor that hinders potential borrowers from getting approved for loans.

Hence, we understand why such a question is essential for many clients.

Luckily, lenders don’t usually perform credit checks for auto title loans. However, there are instances where lending firms would still require a credit check at their discretion. 

With this, a bad credit history won’t necessarily impact your title loan application

Although this won’t directly impact your title loan’s approval, bad credit scores might also lead to high title loan interest rates

Conversely, a good credit standing would be a HUGE favor for borrowers. They may get a larger cash advance out of their auto title loan and a lower interest rate. 

Approval Time

For auto title loans, the approval time is usually fast. That’s why it’s the most viable option to pay your funds quickly. 

After submitting your documents, your application will be pre-approved. The lender might need more time to verify all submitted requirements before the final approval. 

Given that your documents are only pre-approved, your status will be conditional. 

The lender’s evaluation determines the amount of money to be lent and the interest rate. 

Following the pre-approval, you will get a notice from the lending company regarding your title loan application. 

They will usually send a text message that contains spiels and pre-recorded messages. If you have concerns, you can reach them through the contact details provided on their site.

All these will last a few hours to one whole business day. However, several reasons may cause delays or complicate your application. 

Cost of Title Loans, Happy Valley, Oregon

Happy Valley Oregon title loans work differently than those in other states. 

Usually, lenders from other states in the country would impose a certain percentage on the interest rates. On top of that, they charge the clients additional fees for their services. 

However, in Happy Valley, the cost of loans is regulated.

According to the Department of Consumer and Business Services of Oregon, the cost of title loans should be $10 per $100 loan amount

The interest rates for title loans can also be capped at $30, whichever is LESSER than the one-time cost. 

On the other hand, the Annual Percentage Rate in Happy Valley, Oregon, should not exceed 153.77%. The APR of title loans includes interest rates and other fees charged by the creditor.

Repayment Process

Depending on the amortization schedule set with the lending company, you can opt to pay your dues bi-weekly, monthly, or annually. 

Specifically, Happy Valley, Oregon’s MAXIMUM period of title loans is only 60 days.

If the repayment schedule exceeds the number of days, it’s already considered an installment loan. 

But, regardless of the payment schedule you follow, you must pay all your dues on time

This way, you can AVOID additional fees on top of the existing costs you pay. 

This will also save you from the risk of repossession, where your vehicle is confiscated and transferred under the lender’s ownership. 

You can choose to repay your title loans through e-wallets, credit cards, or bank deposits. 

Can I Pay Off My Title Loan Early In Happy Valley?

There would also be instances where you can pay off your title loans earlier than the said payment schedule. 

Although it is possible, some companies charge pre-payment penalties on their clients in addition to the existing title loan cost. 

In some cases, the penalties are too high, and it’s impossible to repay your loans at such costs. Hence, to avoid additional fees, the best options are:

  • Avoid title loans pre-payment 
  • Look for lending firms that have flexible payment options
  • Discuss with your creditor to make payment modes lighter

Finding the Best Title Loans Provider, Happy Valley

If you wish to apply for title loans in Happy Valley, the MOST IMPORTANT thing you must look for is a license to operate. 

The state should legally recognize the business owned by the company to provide title loans in Happy Valley, Oregon. 

Through this, you’re secure and dealing with SAFE and RELIABLE transactions. 

Legitimate companies also offer competitive rates within the loan’s entire life, plus fair policies and convenient terms for clients.

CAUTION: Beware of predatory title loans providers.

With its popularity, many lending companies offering title loans in Happy Valley are surfacing on the market. 

While there are creditors with good intentions, they also want to take advantage of their clients. 

Avoiding Predatory Loans

A few things you must keep in mind to distinguish predatory title loans from safe ones are the following:

  • They charge more than 36% interest rate annually
  • Exceed the maximum APR 
  • Impose a one-time origination fee higher than 10% of the borrowed money
  • Impose loan repayment of fewer than 31 days and renews the loan more than twice
  • Requires upfront fees through wire transfer, debit card, credit card, or prepaid card
  • Do not provide contracts
  • Reposses your car after one delayed payment

REMEMBER: You can only secure the best deal with legitimate lenders.

Risks of Car Title Loans, Happy Valley

Applying for title loans in Happy Valley is a good option, especially when you need more cash for emergency funding. 

With Oregon laws regulating title loans fees, you are ensured that the cost you pay is fair and justifiable. 

However, car repossession is the BIGGEST risk you have to face when applying for a title loan. This happens especially when you are unable to pay off your dues on time. 

Although car repossession is discouraged with only a few lapses, this can still happen if you violate the terms you arranged with the company or DON’T follow the loan’s payment schedule. 

Hence, you must comply with the repayment schedule previously discussed with the company. 

In cases of delayed payments, you can contact your agent to discuss and make negotiations. 

Alternatives for Title Loans in Happy Valley

If you think you can’t meet the requirements for title loans in Happy Valley, there are a few other cash options you can consider to get extra cash for emergencies. These include:

  • Payday loans – these loans offer a lower amount of money. Lenders would sometimes automatically deduct the amount from the employee’s paycheck. The cash borrowed is repaid every payday.
  • Installment loans – These loans work similarly to a title loan. However, it doesn’t require the borrower to pledge a car in exchange for cash. It also follows an amortization schedule to repay the loans. However, its payment timeline is usually longer.
  • Secured loans – a title loan is also a type of secured loan. However, other lenders accept different types of property instead of a car. The repayment process may also be similar to an auto title loan. 

Final Thoughts

Applying for a car title loan in Happy Valley can truly help residents earn extra cash. It’s helpful, especially when paying for emergencies or unexpected bills. 

The requirements asked, as well as the application process is very straightforward

After submitting all necessary documents and undergoing the pre-approval period, you can get your cash IMMEDIATELY. 

State laws also regulate title loans near Happy Valley. This ensures no company can take advantage of applicants by topping off unreasonable fees with high APR.

Apply for title loans in Happy Valley and get funds paid quickly today!

Frequently Asked Questions (FAQs)

Happy Valley title loans work most straightforwardly. Hence, it’s not difficult for residents to apply for a loan. 

If you still have questions regarding title loans in Happy Valley, keep reading. We’ll briefly answer a few more questions to help you with your concerns. 

Does Oregon Do Title Loans?

Yes, Oregon offers auto title loans for its residents. Happy Valley title loans are one example of title loan lending in the state.

Although they don’t have licensed lenders yet, there are lending firms from other states that legally operate in Oregon. They also cater to title loans applied for by Happy Valley residents. 

What Is the Highest Title Loan You Can Get?

The highest cash advance you can get off your title loan in Happy Valley is $50,000. The lowest amount of cash, on the other hand, is $100.

The amount you get highly depends on your car’s current market value. Sometimes, your credit standing would also matter to some lending companies. 

Do Title Loans Improve Applicant Credit?

Title loan lenders don’t usually report your activities in credit unions. Hence, choosing title loans to handle your debt doesn’t affect your credit scores.

If you are applying to improve your credit standing, title loans are not the best option. 

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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