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Home > Tennessee > Johnson City

Title Loans in Johnson City , Tennessee

How much cash can i get

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Location Information:

MC representative


3101 N Roan St
Johnson City
Tennessee   37601

Working hours

Mon - Fri: 9am - 7pm

Saturday: 10am - 5pm

Sunday: Closed


Title Loans up to $50,000


Montana Capital Car Title Loans Reviews

Experiencing the unparalleled convenience of a title loan without having the title in hand became a reality with this company. Their flexible approach and willingness to work with borrowers who may not have the title physically available... set them apart in the lending landscape.read more
Charlie C.
Charlie C.
Facing a financial hurdle, choosing VIP Title Loans made a significant difference. In a time where speed was crucial, they streamlined the process, ensuring a quick and uncomplicated experience. Their supportive team provided assistance... throughout, ensuring the prompt release of much-needed funds. I am deeply appreciative. Truly remarkable! Many thanks to VIP Title Loans for their outstanding service!read more
Gabriel M.
Gabriel M.
I was in urgent need of cash, and luckily, I found excellent car title loan places near me. The process was convenient, the staff was friendly, and I got the funds I needed swiftly – a reliable solution during a financial crunch.
Giulio F.
Giulio F.
Encountering a financial challenge, opting for VIP Title Loans proved to be a game-changer. In a time-sensitive situation, they simplified the process, ensuring a fast and straightforward experience. Their friendly team offered guidance at... every step, ensuring a swift disbursement of the crucial funds. I'm immensely grateful. Truly impressive! Many thanks, Montana Capital Car Title Loans!!!read more
Patricia A. V.
Patricia A. V.
I was facing a financial crunch, and availing of VIP Title Loans was a lifesaver. When I urgently required funds, they streamlined the process, making it quick and hassle-free. Their amiable team provided guidance at every turn, ensuring I... received the much-needed cash promptly. My gratitude knows no bounds. Really impressive! Thanks a lot Montana Capital Car Title Loans!!!read more
Myra L. P.
Myra L. P.
I was facing a financial crunch, and availing of VIP Title Loans was a lifesaver. When I urgently required funds, they streamlined the process, making it quick and hassle-free. Their amiable team provided guidance at every turn, ensuring I... received the much-needed cash promptly. My gratitude knows no bounds. Thank you Montana Capital Car Title Loans!read more
Christopher C
Christopher C
During a recent emergency, cash-quick title loans proved to be the ideal solution for me. This loan provider really came to the rescue. Fair prices, prompt processing, and no additional costs. Thank you very much Montana Capital Car Title... Loans!read more
Michael K. L.
Michael K. L.
I had reservations about using my car title as collateral in Johnson City, but this company ensured a smooth and seamless process. Their communication was excellent, and their rates were fair. I would not hesitate to utilize their services... again in the future if necessary.read more
Ann D.
Ann D.
Cash time title loans were just what I needed during a recent emergency. This loan company truly saved the day. Quick processing, fair rates, and zero hidden fees. Can't thank them enough!
Amelia S.
Amelia S.
I found myself in a financial bind, and their title loans service was a true lifesaver. When I needed money urgently, they made the process simple and quick. Their friendly staff guided me through every step, and I had the cash I needed in... no time. I can't thank them enough.read more
Michelle P.
Michelle P.
I was hesitant to use my car title as collateral in Johnson City, but this company made the process seamless. Great communication and fair rates. Will use it again if needed.
Addie H.
Addie H.
When searching for low interest car title loans, this lender had the best rates around. They offered lower interest than other companies, saving me money. I appreciated the reasonable rates.
Leah J.
Leah J.
In a financial bind, I discovered the option to place a lien on my car title, and I'm so glad I found this loan company. From the start, they were professional and considerate, ensuring I understood the terms and conditions. The entire... process was surprisingly quick, and I got the money I needed to handle my situation.read more
Shelly W.
Shelly W.
For those looking for title loans near me with flexible hours, this loan company is the perfect choice. They offer convenient hours of operation, making it easy to apply and receive a title loan. Their efficient service and reasonable... terms make them a reliable option for anyone in need of quick cash.read more
Jasmine S.
Jasmine S.
I had a positive experience with this loan company when I applied for title loans online. The website was user-friendly, and their team was responsive and supportive throughout.
Billy D.
Billy D.
The loan company was very professional and helped me get the loan I needed quickly and easily. They explained the process and requirements clearly and were able to get me the money I needed when I needed it. I would definitely recommend... them to anyone in need of a loan.read more
Ethel M.
Ethel M.
I am very happy with the loan company I used for my motorcycle title loan. They were very professional and provided me with all the information I needed. They also helped me find the best loan rate possible. I would definitely recommend... them to anyone looking for a loan.read more
Eula B.
Eula B.
This loan company is excellent. They helped me out when I was in a tough financial situation and I really appreciated it. They were very professional and went above and beyond to help me out. I would definitely recommend them to anyone in... need of a loan.read more
Marsha K.
Marsha K.
I am very happy with the service I received from Montana Capital Car Title Loans. After understanding my requirements, they offered the title loans. Indeed, they are very professional and reliable!
Sharon C.
Sharon C.
I was really happy with the loan company I worked with. They were able to get me a loan even though I have a salvage title. They had really good rates and were able to work with me to get my loan approved.
I availed of the title loan services from this loan company without seeing the car. The services were great and I was able to get my loan without any issue. The company was very professional and helped me through the process. I would... definitely recommend their services to anyone in need of a loan.read more
Walker A.
Walker A.
Car title loans are a great option when you are looking for cash in a short amount of time. I needed to come up with some money quickly and my credit was not good enough to receive a decent loan. I went online and found this company that... provides car title loans. I applied for the loan and received it instantly. It was an incredibly easy process, and I have no complaints about their service and I rate them best online for title loans.read more
Elvira K.
Elvira K.
I'd rather get a fast loan than pay late fees on my bills.
Jeffrey P.
Jeffrey P.

3 Easy Steps to Get a Car Title Loan in Johnson City

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Apply now

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

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Get approved

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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Get your cash!

Have your money sent directly to your bank, debit card or pick up your money at any MoneyGram location near you.

Have a bad credit score?
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It’s not that hard as you think! Getting started
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A few simple steps for a free quote

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Car Title Loans

Online Title Loans

Bad Credit Loans

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The vehicle’s title

Personal details




Get up to $50,000

Fast, secure & free quote

Online process 24/7

Bad credit – OK

Keep driving your car


  • Apply online or call us
  • Get approved
  • Visit GPS Installation Centers if needed
  • Get the cash loan
  • Keep driving your vehicle

Fast Approval Title Loans in Johnson City, Tennessee: Bad Credit Okay

From the historic streets of downtown Johnson City to the rolling hills of the surrounding countryside, there’s no shortage of charm and beauty in this Tennessee city. But when financial struggles hit, it can be tough to appreciate the simple pleasures in life.

If you’re struggling to make ends meet, title loans can offer much-needed help. With title loans, you can secure a loan on the same day and keep driving your car during the repayment. Also, since these are secured loans, you may get approved even with a poor credit score.

What’s the Title Loan Amount I Can Get and at What Rate?

Title loans in Johnson City are regulated by the Tennessee Department of Financial Institutions. While the loan amount limit is capped at $2500, the interest could be as high as 25% per month.

Important Information On Title Loans In Johnson City, Tennessee

Interest Rate25% per month
Loan Amount$100 – $2,500
Loan FeeNot more than 2% per month
Loan Duration30 Days

Use Your Car to Get Cash and Keep Driving It

Title loans are short-term loans where you don’t have to sell your car, but you use its value to secure the money you need. 

Here’s how it works: 

You give the lender the title to your car, and they keep it until you pay back the loan. Meanwhile, you’re still free to use your car for your daily needs, like driving to work or running errands.

It’s a handy option if you’re in a tight spot and need money fast without parting with your vehicle. What’s even better is that you don’t have to bring your car for an in-person inspection, and by just sending pictures of your vehicle, you can secure a loan amount of up to 50% of your car’s value. Just remember, it’s crucial to understand the terms of the loan and make sure you can repay it on time to avoid any complications.

Are there Any Pre-payment Penalties?

Tennessee law prohibits lenders from charging prepayment penalties if the borrower pays off the loan early. This means that if you take out a title loan and choose to pay it off ahead of schedule, you won’t face any additional fees.

You’ll simply need to pay off the remaining balance of the loan, which includes the original amount borrowed plus any accrued interest and fees. It’s always a good idea to review the terms of your loan carefully and confirm this information with the lender to ensure a smooth and stress-free experience.

How To Apply for a Title Loan and Get Money Right Away

Here’s how you can get a car title loan instantly. Just follow our step-by-step process:

Apply Online

You can fill out our online application form, which will ask for some basic information about yourself and your car, like your name, identification, car make and model, etc.

Keep Documents Handy

Make sure you have all the necessary documents ready, such as your driver’s license, car registration, proof of identity, proof of insurance, proof of income, etc.

Get Approved

After submitting your application, the lender will review your information and decide whether to approve you for a loan. If everything looks good, they’ll send you a loan agreement to sign.

Sign the Agreement and Receive Funding

Once you sign the loan agreement before 2 p.m., funds will be directly deposited into your bank account the same day! However, if you don’t have a bank account, you can choose to receive a check or collect cash from a physical store.

Documents You’ll Need for Auto Title Loans

In contrast to a traditional bank loan, an auto title loan online doesn’t require a pile of documents. While the requirements may vary from lender to lender, the basic documents you will need are listed below:

  1. A Clear Vehicle Title
  2. Proof of Identity
  3. Proof of Income
  4. Residential Proof
  5. Vehicle Registration/ Insurance

Can I Finance a Car With No Job?

Yes, you can get a title loan even if you don’t have a regular job. Lenders understand that not everyone has traditional 9-5 jobs, and you may have diverse sources of income. So, instead of your job, lenders look for a steady source of income; it doesn’t matter where it comes from.

This includes freelance work, self-employment, retirement benefits, or other forms of consistent income. So as long as you can prove that you have steady money coming in every month, you can get a title loan regardless if you have a job or not.

Can You Get a Title Loan Without Showing the Car?

While a vehicle inspection is mandatory for title loan approval, it’s not necessary to bring your car for an in-person inspection. The majority of title lenders in Johnson City, TN, offer the flexibility of applying online, and you can just forward the picture of your vehicle to lenders.

You must ensure that you take pictures from every angle, including the odometer reading and VIN. Using these pictures, lenders analyze the present condition of your vehicle and determine the title loan amount you can get.

Is it Smart to Use Your Car as Collateral For a Loan?

Using your car as collateral for a loan, like a title loan, can offer quick cash access, especially without a traditional job or strong credit history. However, it comes with notable risks, such as high-interest rates and the risk of losing your vehicle if you default on the loan.

Before choosing this option, carefully evaluate your financial stability, explore alternative financing options like personal loans, and fully understand the loan terms. 

While it might provide immediate relief, the associated drawbacks make it crucial to ensure it is genuinely the only viable option for your circumstances.

Some Basic Information About Johnson City, Tennessee

Total Population 72,514
Persons Per Households2.23
Median household Income$47,242
Per Capita Income$32,909

Source: The Census Bureau

Frequently Asked Questions

Can I Apply If I Have Bad Credit?

How Do You Sell a Car with a Title Loan on It?

Can I have a Co-borrower on My Title Loan?

Get Online Title Loans Instantly!

At Montana Capital Car Title Loans, we believe that everyone deserves access to fast cash, regardless of their credit history. And we can help you get title loans with flexible repayment plans and competitive interest rates.

Apply for a car title loan online and borrow the money you need.

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1414 NW Broad St Suite A, Murfreesboro, Tennessee 37129
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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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