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Title loans in Harrisonburg

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

Title loans in Harrisonburg

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.
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

Blue Ridge Automotive

1790 Harpine Hwy

Harrisonburg

22802 Virginia

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

Car Title Loans in Harrisonburg, Virginia: A Full Guide

Imagine a strong typhoon or earthquake just broke out! You will need some money to pay for the damages done to your house!

What about late rent, medical bills, or other unexpected expenses? How will you pay for those as well?

Luckily, if you are a resident of Harrisonburg, Virginia (VA), money could not come easier! Introducing CAR TITLE LOANS!

You can get the money you need in a FLASH!

Continue reading to learn more about how to apply for title loans in Harrisonburg!

What is a Car Title Loan?

A car title loan (a.k.a, an auto title loan) is a short-term loan when you surrender your vehicle’s title to a lender in exchange for some money, which you will then have to pay back.

And don’t worry! You can still drive your car as you normally would!

Now you may be thinking, “Quick money AND I can still drive my car? It’s a win-win!”

Yes, the process is pretty simple and easy, but there are also some consequences.

As mentioned earlier, you surrender the vehicle’s title to the lender, which means they own the rights and control over your vehicle.

If you fail to repay the loan, you could lose access to your vehicle for good!

Title loans are a very high-risk, high-reward type of solution! Remember to repay the loan in full if you don’t want to lose your car!

TAKE NOTE: Title loans are NOT A PERMANENT SOLUTION to financial problems and are SHORT-TERM LOANS ONLY!

Why Should I Apply for Car Title Loans in Harrisonburg, Virginia

EASY MONEY!

Title loans are one of the easiest and fastest ways to earn money FAST!

You do not have to go through all the tedious paperwork and interviews that bank loans and other financial institutions have.

There are no long waiting times to get your money! You can receive it as quickly as within a few minutes or within one business day!

With title loans in Harrisonburg, the only important things you need are a high-value vehicle and a means of repayment.

If you have these, the process should go smoothly, and you receive your money QUICKER!

Additionally, title loans do not require a credit check!

Regardless of credit score, most title loan providers are negotiable and flexible with their customers. This means that anyone and everyone can apply!

How to Apply for a Car Title Loan in Harrisonburg, Virginia

Now that you are more familiar with what a car title loan is, let’s break down the step-by-step process.

But before anything else, you will need some important documents ready to make the application go smoother!

Loan Documents

  • A valid government-issued ID
  • Original copy of vehicle title (clear car title)
  • Social security card
  • Proof of income
  • Proof of residence
  • Car insurance
  • Bank account set up
  • Pictures of car
    • All four sides
    • Odometer (to confirm mileage)
    • VIN (Vehicle identification number to determine car value)
  • Three references that are not related to you

Your lender may ask for more, but these are some of the basics for a title loan in Harrisonburg.

Step 1: Apply Online

The first step of the car title loan process is to apply online!

You can apply from the comfort of your own bedroom without going to a physical loan agency location!

Luckily, many Harrisonburg title loans locations provide affordable title loans, so rest assured that you will find a good and safe lender!

All you have to do is fill out an online application form which only takes a few minutes.

Afterward, you will be contacted by a representative (usually one of the customer service agents).

They will give you a pre-approved loan quote and ask you to meet up in person to evaluate your car and discuss the loan terms, like minimum loan amount, interest, and so on.

Step 2: Vehicle Inspection

After applying online, your vehicle will undergo an EVALUATION to determine its EQUITY VALUE.

The car’s equity value determines how much money you can receive for the loan.

The lender will look at the vehicle’s:

  • Mileage
  • Make and model
  • Year and other parts or modifications

This is so they can properly determine the car’s equity value.

These parts or modifications could include the following:

  • Size of the engine
  • Seat material
  • Paint jobs
  • Accessories and more

Remember to keep your car well-maintained and in the BEST overall condition! Doing so will get your money!

TAKE NOTE: There is a chance your vehicle will NOT be approved if it is an older model. After all, the lender is more likely to accept if the car is worth a lot!

Step 3: Claim Cash

Ah, the part you have been waiting for!

After going through all the loan terms, once everything looks good and meets the lender’s criteria, you can now claim your cash!

You can claim the cash via a direct deposit to your bank account or claim it at any nearby loan agency location in Harrisonburg.

Step 4: Repayment

The final step, and arguably the most important one, is to REPAY THE BORROWED MONEY!

One of the things that title lenders require is a means of repayment, which means that repayment is VERY IMPORTANT!

Since the lender was able to fulfill their end of the deal by providing you with some money, you should pay back what you owe!

The consequence: You could lose your car!

Since the lender has full control over the vehicle title, they have the right to REPOSSESS your vehicle if you do not pay it back on time!

To prevent that from happening, here are a few TIPS on how you can save money to avoid a late repayment!

  1. Set aside a separate budget for repaying the loan ONLY!
  2. AVOID unnecessary spending.
  3. Seek help from friends or family if you are a few dollars short.
  4. Talk to your lender about INSTALLMENTS.

Things to Consider Before Applying for a Title Loan

In America, title loans are a high-risk, high-reward solution. There are a lot of factors you have to consider before submitting that online application form!

Here are a few things you may want to ask yourself before applying!

Can You Pay Back in Time?

This question is arguably the most important to ask! Your car still being in your possession is dependent on this factor!

Before applying, you have to make sure you can pay the full loan amount on time!

To help you with repaying, you must first look at your financial situation and see if you have enough funds to cover the loan amount.

Check how much money you have left after paying your expenses and bills.

If you think you will still have enough money to repay the loan AFTER paying off your expenses, then, by all means, apply for a title loan!

Will the Money Be Enough to Cover Your Expenses?

The minimum and maximum loan amounts could vary depending on the quality of your vehicle.

To put it in perspective, In some cases, you can receive a MINIMUM of $100 and a MAXIMUM of $50,000!

You must now ask yourself, “Is it enough?”

If you think you can get an ample amount of instant cash for your expenses, then a title loan seems like a great idea!

Otherwise, you may want to look at other alternatives, like a cash advance or a bank loan.

Are There Any Better Alternatives?

Are car title loans (Harrisonburg) your ONLY OPTION? Is there no other way you get some quick money?

If the answer is yes, then, by all means, apply for a car title loan!

However, remember that there ARE other places and methods where you can get a loan! It is just a matter of figuring out which method is better and less risky.

Other short-term loan methods include getting:

  • A payday loan
  • A cash advance
  • From family and friends

Pros of Harrisonburg Title Loans

In America, title loans (Harrisonburg, VA) are a popular solution to short-term financial issues.

Here are a few reasons why!

No Credit Check

Credit history is not a major factor for eligibility for auto title loans!

In Harrisonburg, car title loans do not require the clients to have a high credit score. Even if you have a low credit score, you are still eligible to apply and get approved!

Title lenders are flexible for those with bad credit scores and are willing to offer you the best title loans to suit your needs!

Of course, higher credit is PREFERRABLE, but low or bad credit is still acceptable!

Instead of a credit check, the most important factors that the lender will look at are:

  • If you can pay back the loan ON TIME
  • If the overall quality of your vehicle meets the lender’s criteria

Easy, Same Day Process

You can easily apply for online title loans from the comfort of your own home using the online application system!

The entire application process only takes a few minutes, and you could easily get your online instant cash AND instant approval within the day!

No more waiting hours in line at a physical office!

The fast process makes Harrisonburg title loans a very appealing solution compared to bank loans, which take a lot more time and effort to get approved.

Luckily in Harrisonburg, affordable title loans are easy to come by as well!

Take Care of Emergency Payments

If you need to take care of some urgent bills or expenses, you can easily apply for a title loan to help you cover those!

These expenses can be anything from water bills, electricity bills, or rent.

And it’s not just monthly payments!

You can also use your loan amount to do some remodeling, pay for groceries, or any kind of special occasion!

The cash loans are yours to use however you want, as long as you pay them back on time!

Still Have Access to Your Car

Even if your car is under a different name, you are still free to drive your car as you normally would throughout the loaning period.

The only time the lender could take your car taken away from you is if you do not pay the title loan on time!

Because of this, the lender has the right to repossess your car if needed!

We said it once, and we’ll say it again; REMEMBER TO REPAY ON TIME to prevent repossession!

Cons of Harrisonburg Title Loans

Of course, there are also a few reasons why people would not resort to title loans.

Here are some disadvantages that come with title loans.

Additional Fees

American title loans (Harrisonburg) can sometimes come with additional or hidden fees that were not previously mentioned.

This will cause your debt to pile up, and no one wants that!

Some title lenders may ask for a processing fee or a pre-payment penalty, so be careful of other fees when looking for a possible loan agency location.

High-Interest Rates

Another disadvantage is that title loan lenders charge high-interest rates.

The high-interest rates hurt your wallet as it is already added on top of your original borrowed amount, making repayment much harder.

The title loan rates could be even higher if you have bad credit!

Risk of Repossession

As mentioned earlier, one of the biggest risks of the whole title loan process is having your car repossessed!

This is when the lender, who has the rights to your car, can do whatever they want with it, like grant possession to someone else!

If you fail to repay the loan on time, you could lose possession of your vehicle altogether!

You will receive a 10-day notice before the lender officially repossesses your car, but these 10 days are your LAST CHANCE to repay!

If you still do not pay after the 10 days, bye-bye to your car!

Title Loan Alternatives to Consider

Cash Advance

Cash advances are short-term loans you get from your credit card issuer.

With this type of loan, you can withdraw cash from your credit limit, but it usually charges high-interest fees.

Unlike title loans, cash advances require a credit check to get approved.

Pawning

Pawning is similar to car title loans in the sense that you surrender a valuable item (jewelry, antiques, etc.) to a pawn shop in exchange for a loan.

You will undergo a similar process as well!

The pawner will evaluate the value of the item, which will be the amount they will lend to you.

Only after repaying the loan can you reclaim your valuable! Pawnshops charge low-interest rates too!

Family and Friends

Of course, you always ask your trusted family members or friends to lend you some money.

This method is probably the easiest as there are no credit checks, paperwork, assessments, or any of those formalities.

HOWEVER!

Remember to PAY THEM BACK JUST THE SAME if you borrow from friends or family!

Treat them as any other lender and fulfill your end of the deal!

Frequently Asked Questions

Does the Car Itself Have to be Paid in Full?

The car does not necessarily have to be paid in full.

However, it is RECOMMENDED since a fully paid vehicle will likely get a higher equity value and, therefore, more money.

A vehicle that is still being paid off can still have a good equity value!

The remaining payments are not an important factor in determining a vehicle’s eligibility for the loan.

If your vehicle is still unpaid, you can check its equity value using an online title loan calculator.

To get a rough estimate, fill in the details with your car’s:

  1. Year
  2. Model
  3. Make
  4. Current mileage

Can I Get a Loan on Two Vehicles?

Well, YES and NO.

Most title loan places restrict their services to one vehicle per customer.

If you want to get a title loan on a second vehicle, you will have to do so at another agency in Harrisonburg Virginia (VA).

However, getting a title loan on two vehicles is NOT RECOMMENDED.

By doing so, you are essentially DOUBLING the amount of money you have to repay (plus interest).

Not only that, if you fail to repay the loan on both vehicles, you could LOSE BOTH VEHICLES and that would just be a mess!

What if I am Late With My Repayment?

You could ask for an EXTENSION with your lender, but doing so may accumulate more interest and, in turn, more money than you have to repay.

If you are late with your repayment, the lender has the right to repossess your car!

BUT!

Before you panic, you will be given a 10-day notice before they do so, which means you have an extra 10 days to repay before you say goodbye to your vehicle.

  • If you do not repay within those 10 days, then that’s that! Unfortunately, the lender will repossess your vehicle.
  • The lender will also give you the details of the sale + how much you still owe.
  • The lender will return the vehicle to the owner if they can repay what they owe BEFORE the sale.

Otherwise, the vehicle will officially be SOLD.

The lesson here is PAY ON TIME!

Can I Apply for a Title Loan with a Co-Signer?

YES! You can apply for a title loan with a co-signer.

If you want to share the loan with another party, like your spouse or family member, you may do so!

This could be helpful if you cannot pay back the loan on time!

However, signing with a co-signer has some drawbacks.

  • If, for whatever reason, the other party fails to repay their share of the loan. If one side fails to repay, both sides will be affected!
  • If you are going to apply with a co-signer, make sure it is someone who will fulfill their end of the loan!

How are Auto Title Loans Different from Payday Loans?

An auto title loan requires a car or vehicle to be used as collateral, whereas payday loans are unsecured, meaning they do not require such collateral.

Payday loans also have a shorter pay period of two weeks, versus most title loan lenders giving their customers 30-60 days.

Most people consider payday loans as predatory loans as they charge interest after interest and target those with low income.

You are only given a short amount of time to pay it all back!

Conclusion

Congratulations! You know now the process of auto title loans in Harrisonburg, VA!

Car title loans (Harrisonburg) are a very practical solution when you are in need of some finances and FAST!

REMEMBER!

Before you apply for an auto title loan, check your financial situation to see if you can repay the loan at all!

If you think you can repay, then, by all means, apply for the loan! Otherwise, you may have to look at alternatives.

Either way, rest assured that, in Harrisonburg, auto title loans are a good and safe solution to anything from unpaid bills, late rent, groceries, remodeling, damage repair, and MORE!

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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