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Title loans in Hillsboro

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Sunday:

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

Title loans in Hillsboro

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

Fuel Monkey Performance

631 SW Baseline St

Hillsboro

97123 Oregon

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 Hillsboro, OR

The greatest financial difficulties can hit any of us at the most unexpected time. And when it does happen, we are put on the spot with so many obligations without any support.

Running to a traditional lender may seem like the most viable option, but it can often be frustrating especially if you need the money as soon as possible. 

That’s where car title loans come in. These loans are perfect if you’re in dire need of cash due to an unexpected emergency and a quick solution to your current problem.

A Closer Look at Car Title Loans: What You Should Know

Simply put, car title loans are a type of a secured loan where the borrower pledges his car  (or any acceptable vehicle, really) as collateral for the loan.

It is sometimes referred to as auto title loans or pink slip loans in some states.

Take note: You are not giving your car away right then and there. You are simply ceding the title to your car.

The lender will become the legal owner for the duration of the loan but you remain as the registered owner.

So long as you pay on time and according to your loan agreement, the car stays with you! Otherwise,  you may be withheld of the right to possess your vehicle.

But first, clarify with your lender if they approve allowing you to continue driving your car after you’ve lent your title.

How Much Can You Get From Title Loans?

Car title loans are truly a quick and convenient way to get money when you’re in a pinch.

While it is prudent to only borrow what you need, the amount of cash you get from the loan, as well as the interest rate, are greatly dependent on several factors, such as:

  • The borrower’s credit score
  • The borrower’s ability to pay off the loan
  • The vehicle’s make, model, year, mileage, and condition
  • State laws

These and other factors will determine how much money you can get from your lender.

One important thing you should know though is how to value your vehicle as this will largely affect your loan. There are even a few title loans that make your vehicle’s value the sole basis for your loan amount.

To get an estimate of how much your vehicle is worth, you can use this formula:

EV = CV – dues and fees x lender rates

However, your lender may have a different metric. It’s crucial that you ask how they value your vehicle so you can check whether your fees are fair or just excessive.

Pros and Cons Of Car Title Loans

Pros

You Can Get Money Fast.

Being able to get cash fast is probably the most attractive benefit of getting a car title loan. This is good if you are attending to an emergency where you need a large amount of money right away.

In fact, most lenders have quite a simple loan process where the borrower can get money almost instantly after accomplishing a few simple forms.

Because of this, the process of getting an auto title loan usually only takes a day or two. Some lending companies even guaranty that the process can be done in just fifteen minutes!

There Are Fewer Credit Checks.

Speaking of a simple loan process, lenders often conduct fewer credit checks and bank account inquiries on the applicants.

This makes it so much easier to get an auto title loan compared to other types of loans.

Though this does NOT mean that your credit score is entirely irrelevant as will be explained later on.

You Get to Keep Your Vehicle.

Whether its your car, your motorcycle, or any other allowable vehicle, you get to keep it during the pendency of the loan. So, you don’t have to worry about not having a means of transportation!

This is because only your Hillsboro title is surrendered to your title lender.

You will only lose rights to your vehicle once you fail to pay your outstanding balance.

Cons

Interest Rates And Fees Can Be High.

Have you heard of the saying, “it takes money to make money”? Well, this is true for title loans, whether or not you are in Hillsboro.

Auto title loans are expensive.

APRs or Annual Percentage Rates for title loans can be as much as 300%, due to high interest, finance charges, and other fees.

When these charges are mismanaged, they can hurt your financial well-being more.

This is why it is imperative to approach a lender who understands what you need and a loan officer who can assist you through the entire process – from inquiry to approval.

Repayment Terms Are Shorter Than Usual

Precisely because it is a fast-paced loan, car title loans run for very short periods of time (some for just a month).

If you are borrowing a large amount of money, or if the interest is high, it can get difficult to pay off what you owe in a short amount of time.

If you fail to pay in accordance to the agreement, your lender may repossess your vehicle.

It Is A Potential Debt Trap

According to the Consumer Financial Protection Bureau (CFBP) more than half of car title loans become debt traps to the borrowers. They end up incurring other debts to pay for their current title loan.

When mismanaged, your title loan can lead to a never-ending cycle of debts – one scenario you surely do not want to fall into.

Take note though: If you’re confident in your financial management capability for your repayment plan, you won’t fall into a debt trap.

How to Apply for Car Title Loans in Hillsboro, OR?

Requirements to get a title loan vary from state to state. Below is a walkthrough of the loan process in Hillsboro, Oregon.

Step 1: Choose Your Lender Wisely

Of course, choosing your lender is the first step. It is probably the most important step when looking into getting a car title loan.

Here are some qualities you should look out for:

  • Flexibility of interest rates
  • Clarity of terms and conditions
  • Accuracy in determining the equity value of your vehicle
  • Ease of application
  • After sales service

There are many lending companies in Hillsboro alone. So, make sure you find not only the best in the business, but the one who can offer you reassurance and peace of mind.

Step 2: Submit Your Online Application.

Yes, the application for your title loan can be done online. Here you will need to fill out forms and supply necessary information without even leaving the comforts of your own home!

You will be asked about your personal information and details about the vehicle you intend to pledge. Make sure to give only true and accurate data as faking your details will definitely do you no good.

Once you submit the needed forms, the pre-approval process of your  title loan begins.

Step 3: Prepare the Necessary Documents.

Upon pre-approval, you will be asked to submit documents including but not limited to:

  • Paystubs from your current employer or proof other sources of income
  • Proof of residence
  • Proof that your vehicle is currently insured
  • Proof that your vehicle is free from encumbrances
  • Hillsboro title of vehicle
  • Government-issued driver’s license or photo ID
  • Images of your vehicle
  • Personal references as may be required

Note that the requirements may vary from one lender to another. It is best to ask help from a loan officer if you have any questions or experience difficulty in complying with any of these documents.

Step 4: Review the Loan Terms And Conditions.

Just because you’re in a hurry doesn’t mean you shouldn’t be meticulous.

Make sure to fully understand and master the terms of your loan agreement to avoid breaching the contract, missing out on payment schedules, and incurring unwanted liabilities.

Do not sign the contract hastily! This could make or break your financial condition.

Here are some tips:

  • Make sure the loan amount is commensurate with the equity value of your vehicle.
  • Read the fine print. A lot of important details can be found there.
  • Familiarize yourself with the penal clauses, if any, so you know how to avoid them.
  • See an attorney if any terms seem vague.
  • Ask questions and do your research.

Step 5: Get Your Much Needed Money.

Finally, the part you’ve been waiting for!

After completing the application process, you can now have your money given to you in cold cash or have it sent straight to your bank account.

Lenders in Hillsboro have tons of options for you cashing out your loan. Ask and see which suits you best.

That’s it! That wasn’t so difficult, was it?

FAQ

Can I Get a Title Loan On a Car I Just Bought?

Yes, you can! In fact, this may even bode well for you.

Aside from the make and model of your vehicle, lenders will look at its condition and mileage. So, the newer the car is, the higher the equity.

This, among other factors, will help you get a generous amount from your lender since you are able to provide good security for the car title loan.

So long as your title vehicle is owned by you and is free from liens and encumbrances, you should qualify for a Hillsboro title.

Most lenders also have loan officers made available to you. You can approach when you have questions.

Does My Credit Score Matter?

If you’re feeling iffy about your credit rating, you shouldn’t be too worried.

Admittedly, applicants with higher credit scores will get better deals and lower interest rates. But a bad credit score does not mean that your loan application will be denied. It may just subject you to stricter loan terms.

While there are some car title loans that do not do credit checks,  letting the borrower’s get away with bad credit score, there are still some lenders who make a credit check part of the loan application process.

Do I Need Proof Of Income for a Title Loan?

Your ability to pay is vital. It is the most most important thing for lenders is to see that borrowers have a steady way to repay the loan.

Your income will most likely determine the allowable loan amount. Thus, you will need to prepare proof of your income to back up your application.

But is it possible to get a car title loan without proof of income?

Fortunately, yes! Some title loans are available to those without proof of income or even a job! This is possible so long as you can present your vehicle title and any of these other options:

  • Bank statements
  • Disability payments
  • Social security payments
  • Any other benefits that you receive

Is There Any Other Alternative for Me?

If you aren’t too keen on subjecting your car to title loans, payday loans may be an option for you. These are small, short-term loans where the borrower pays the lender the money owed plus a certain fee.

Payment is done on payday, hence the name.

By that time, the lender will have the option to either debit the amount you owe from your bank account, cash your paycheck, or take other forms of payment from you, depending on how you agreed to repay the loan.

It would be best to get a payday loan from a federal credit union. They offer less expensive fees, lower interest rates, and longer payment periods compared to a traditional payday loan.

Since the APR is capped at 28%, this is indeed a more affordable option compared to title loans. Plus, you don’t run the risk of losing rights over your car.

Nevertheless, payday loans still have a higher APR than most loan offers so before making a decision, gather all the details first.

Conclusion

Now that you have all the necessary information on how to get a title/auto loan in Hillsboro, the task is no longer daunting and the risk is manageable.

Remember: there are so many title loans available from many different lenders in the business. So, don’t skimp on research and keep our tips to heart.

Soon enough, you’ll have your much-needed emergency money from a reliable lender.

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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