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Home > Virginia > Harrisonburg

Title Loans in Harrisonburg , Virginia

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Location Information:

MC representative


1790 Harpine Hwy
Virginia   22802

Working hours

Mon - Fri: 9am - 7pm

Saturday: 10am - 5pm

Sunday: Closed


Title Loans up to $50,000


Montana Capital Car Title Loans Reviews

Considered auto refinancing with them, and it was a wise decision. They offered competitive rates, and the refinancing process was straightforward. Saved me money in the long run.
Constance Brown
Constance Brown
Montana Capital Car Title Loans stood out among lenders with their exceptional metro title loans service, offering a seamless process, competitive rates, and unparalleled customer support. Their dedication to efficiency and transparency made securing the necessary funds straightforward and stress-free, solidifying them as a trusted choice for financial assistance.
Craig Cox
Craig Cox
Considered auto refinancing with them, and it was a wise decision. They offered competitive rates, and the refinancing process was straightforward. Saved me money in the long run.
Constance Brown
Constance Brown
My experience with Montana Capital Car Title Loans and their Metro Title Loans service was excellent. The process was quick, and their team was incredibly helpful, making it a seamless and efficient way to secure the funds I needed in a metro area
Otiz Samuel
Otiz Samuel
Facing a sudden financial challenge, I needed fast cash. This company came to my rescue by providing a great solution – they gave me cash in exchange for the title of my vehicle! It was a genuine lifesaver, and the entire process was remarkably straightforward.
Jana Carpenter
Jana Carpenter
Montana Capital Car Title Loans exceeded my expectations when I sought a navy federal salvage title loan through their service. Their team at Montana Capital was not only understanding of my unique situation but also provided a swift and hassle-free process, making them a standout choice for anyone looking for a salvage title loan.
Haniye Alizadeh
Haniye Alizadeh
Despite having a few blemishes on my credit record, I expected securing a title loan to be a daunting task. To my surprise, this company welcomed me warmly and simplified the entire process. They offered a reasonable loan amount and flexible repayment terms, even considering the lien on my car title. Grateful for the second chance they provided!
Vickie Lewis
Vickie Lewis
Even though I had a low credit score, Montana Capital Car Title Loans helped me out by providing a guaranteed payday loan known as Metro Title loans. I put a lot of weight on their judgments.
Ruben Glover
Ruben Glover
I found myself in a financial pinch and required quick funds. This company provided an excellent solution - they offered cash in exchange for my vehicle's title! It was a real lifesaver, and the entire process was remarkably simple.
Sarah H. Matthews
Sarah H. Matthews
With a few black marks on my credit history, I assumed getting a title loan would be challenging. But this business greeted me with wide arms and made the procedure seem quite easy. They gave me a fair loan amount and flexible repayment terms even though my car title had a lien on it. Thankful for their second opportunity! Really impressive! Thank you so much Montana Capital Car Title Loans!
Aisha Irfan
Aisha Irfan
Hands down, this is the best title loan company I've ever worked with. Their customer service was exceptional, and their rates were unbeatable. Thank you so much!
Melinda Gonzalez
Melinda Gonzalez
I was in a bind and needed cash quickly. This company offered me a great deal - they gave me cash for my car's title! It was a lifesaver and the process was surprisingly straightforward.
Fannie Webb
Fannie Webb
My credit history has a few blemishes, so I thought obtaining a title loan would be difficult. However, this company welcomed me with open arms and guided me through the process effortlessly. Despite having a lien on my car title, they offered me a reasonable loan amount and flexible repayment terms. Grateful for their second chance!
Florence Walker
Florence Walker
With my car paid off, getting a car title loan was a breeze with this loan company. They helped me understand the process of secured loans with a car title and offered competitive terms. Their expert assistance ensured that I could access the funds I needed without any stress.
Lucy Sanchez
Lucy Sanchez
I found this loan company among the top car title loan places near me. Their efficient service and friendly staff made borrowing money hassle-free.⭐⭐⭐⭐⭐
Justin Kennedy
Justin Kennedy
If you're wondering if you can use your car title as collateral, this loan company has the answer. They guided me through the process and provided the loan I needed. Reliable and trustworthy!
Vera Lee
Vera Lee
I required a 24-hour title loan, and this lender provided it. Their 24-hour support and swift approval process enabled me to quickly deal with my financial situation.
Eloise Rose
Eloise Rose
I applied for a title loan with this company and I was very pleased with the service I received. The process was fast and easy and I was able to get the money I needed quickly.
Dennis Coleman
Dennis Coleman
I found the loan company to be very professional. They gave me a pink slip loan near me and the process was very simple and straightforward.
Anthony Henderson
Anthony Henderson
I was in need of a commercial truck title loan and was able to get it approved the same day. The process was fast and easy, and I was able to get the cash I needed to keep my business running. I highly recommend this service.
Joseph Lewis
Joseph Lewis
The loan company offers very flexible loan terms that can be customized to the borrower's needs. This flexibility is very helpful in cases of financial difficulty. The company also has a very efficient process for disbursing the loan, which is very helpful in avoiding the delays that can often occur with other lenders.
Kristy Peterson
Kristy Peterson
I am very pleased with the FICO score from loan company. It has helped me a lot in getting the loan I need.
Joanne Hardy
Joanne Hardy
I was broke and in need of a title cash loan when I found this company on the internet. They were super easy to work with, and within days I had the funds I needed. Now I'm debt free thanks to them!
Joseph Lord
Joseph Lord
The loan amount provided by the company was very helpful in meeting my financial needs. The company's customer service was also very good. They were able to process my loan quickly and efficiently.
Travis Rogers
Travis Rogers
You have been a great support in helping me secure the best payday loans.
Angela Dixon
Angela Dixon
This company was very helpful. I appreciated their honesty and willingness to assist me in getting the cash advance loans.
Constance Rogers
Constance Rogers

3 Easy Steps to Get a Car Title Loan in Harrisonburg

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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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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


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 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.


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!


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!


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!


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!

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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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