Title Loans Online - Fast & Easy

3 easy steps to get your cash:

Sign up form

Keep the keys, get the cash!

Pay loan, get title back

How much cash can i get

Find out now. It's fast, secure & free!

trust icons
Home > Indiana > Kokomo

Title Loans in Kokomo , Indiana

How much cash can i get

Find out now. It's fast, secure & free!

trust icons

Location Information:

(888)-700-8900

Address

1730 W Blvd
Kokomo
Indiana   46902

Working hours

Mon - Fri: 9am - 7pm

Saturday: 10am - 5pm

Sunday: Closed

Product

Title Loans up to $20,000

Reviews

Montana Capital Car Title Loans Reviews

Finding low-interest title loans nearby seemed impossible until I stumbled upon this gem of a company. Not only were their rates lower than others in the area, but their personalized approach and attentive customer care made all the difference.
Jody Gibson
Jody Gibson
1695640064
This company's car title loan requirements were fair and well stated. The process was streamlined by their competent assistance, and I quickly acquired the loan I required.
Miriam Harris
Miriam Harris
1693223157
This company's car title loan requirements were fair and well stated. The process was streamlined by their competent assistance, and I quickly acquired the loan I required.
Debra Diaz
Debra Diaz
1693215222
The car title loan requirements of this company were reasonable and well-explained. Their professional service made the process easy, and I received the loan I needed promptly.
Beverly White
Beverly White
1692438065
Getting an instant title loan was a breeze with this company. Their quick approval process and efficient service made it convenient for me.
Charlene Terry
Charlene Terry
1690540756
Cash for Motorcycle Title from this company is a lifesaver! They provided a fair valuation and a seamless transaction. The team was professional and friendly throughout the process. Great option for quick cash.
Brenda Andrews
Brenda Andrews
1689673030
Without the actual title, I wasn't sure I could secure a title loan, but this loan firm made it doable. I felt comfortable with the entire loan application process because of their quick procedure and competent staff.
Josefina Richardson
Josefina Richardson
1686048983
I was really struggling to get a loan because I have bad credit, but this company was able to help me out. They had great customer service and were able to get me the money I needed.
Bridget Wood
Bridget Wood
1682341028
I got a title loan from this company when my car was financed. I was able to get the loan quickly and easily, and it was a great help when I needed it.
Paula Patterson
Paula Patterson
1676541249
I needed to borrow some money and decided to use my vehicle as collateral. This company was able to provide me with a pawn shop title loan. The process was quick and easy and I was able to get the money I needed. I would definitely recommend them to others.
Heather Brooks
Heather Brooks
1674812658
I applied for a title loan with this company and I was very pleased with the fast service. They were quick and easy to work with. If you also are searching for loan services near me then, chose them for quick and reliable services.
Marjorie Hernandez
Marjorie Hernandez
1672378675
I got a title loan through this loan firm. I was able to get the money I needed quickly and easily, and I was able to pay off the loan without any problems. The loan firm was very professional and helpful, and I would recommend them to anyone who needs a loan.
Eddie Barker
Eddie Barker
1670140252
I'm so glad I found this company! I was really struggling to make ends meet and they really helped me out! They were super understanding and worked with me to get me the best loan possible. I would definitely recommend them to anyone in a similar situation!
Bruce Copeland
Bruce Copeland
1667041212
If you have bad credit and looking for quick personal loans then Montana Capital is your go-to place. They cater to people with bad credit and help them get out of their financial misery. I had the same case and got the required help from them.
Leah Luft
Leah Luft
1666097795
My team has a great work ethic and I've been in constant contact with them and satisfied all through the process, so the secured loan was approved the same day.
Janis Smith
Janis Smith
1643976147
js_loader

3 Easy Steps to Get a Car Title Loan in Kokomo

01

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!

02

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 $20,000.

03

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?
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

Products

Car Title Loans

Online Title Loans

Bad Credit Loans

Payday Loans

Personal Loans

Requirements

Identification

The vehicle’s title

Personal details

References

Ability-to-repay

Benefits

Get up to $20,000

Fast, secure & free quote

Online process 24/7

Bad credit – OK

Keep driving your car

Process

  • Apply online or call us
  • Get approved
  • Visit Vehicle Inspection Center if needed
  • Get the cash loan
  • Keep driving your vehicle

Car Title Loans in Kokomo, Indiana: A Complete Guide

Are you weighing your loan options?

Unsure just exactly how title loans in Kokomo, Indiana, work?

You’ve come to the right place.

In this article, we will walk you through the WHOLE PROCESS of car title loans in Kokomo, Indiana, what you need to prepare, as well as the pros and cons of title loans.

Ready? Let’s get to it!

Why Are Car Title Loans the Popular Choice?

For residents of Kokomo, IN needing cash urgently but not wanting a long-term loan, title loans are one of your best bets.

Car title loans are also known as:

  • Vehicle title loans
  • Auto title loans
  • Pink Slip title Loans

 Basically, the way pink slip title loans work in Kokomo is that the vehicle owner temporarily SURRENDERS their car title to a lending company in exchange for money.

  • While the title loan is still ongoing, the car is rightfully owned by the lender.
  • HOWEVER, only the car title is withheld. It only acts as a COLLATERAL in title loans.

 What does this mean?

You can still keep using the car! In title loans, you’ll be able to drive the car while you pay off your debt!

Moreover, in Kokomo, the whole process is done ONLINE and processed within 1 business day.

You can say goodbye to long lines, frustrating processes, or gruesome paperwork!

How Do Pink Slip Title Loans Work in Kokomo, Indiana?

The good thing about title loans is that the whole process can be accomplished in THREE easy steps. More on these later.

Any resident of Kokomo, IN that is of legal age and has a registered and rightfully owned vehicle can apply for an auto title loan.

Step By Step Guide: Title Loans in Kokomo, Indiana

Step 1: Submit Online Application Form

Start by scanning for the available title lending companies that offer this service in Kokomo, Indiana.

Take note of the nearby options you have.

To help you narrow down your choices, here are some things to remember or consider:

  • Review testimonials from previous clients to have an idea of their customer service.
  • Registration documents – make sure they are allowed to operate in Kokomo, Indiana.
  • Compare interest rates and payment terms versus the other lending companies in Kokomo, IN.

 Once you have chosen your title loan lender in Kokomo, look for the LOAN FORM on their website.

Fill in the fields completely and honestly. Once done, click “submit”.

If you have any questions, feel free to give the lending agents in Kokomo, IN, a call so they can assist you throughout the whole process.

Step 2: Provide Necessary Documents

After they have assessed your profile, expect a call from the title loan lender within the day. If your papers are complete and conclusive, you can even expect a call WITHIN A FEW HOURS!

Lending companies in Kokomo usually require the following documents. Have these ready so you can speed up the process:

Car Details:

  • Clean car title
  • Vehicle photos (front, both sides, and back)
  • Car photos containing odometer and Vehicle Identification Number
  • Vehicle Insurance

Applicant Documents:

  • Government-issued ID that matches the name in car title
  • Social security card
  • Proof of Alabama residency (rent contract, water, phone, or internet bills)
  • Proof of income (payslips, proof of social security benefits, bank account statements)
  • At least two character references)

 Some companies offering title loans in the city of Kokomo, IN, might only require a few of these documents.

Then again, some title lenders would need supporting documents that are not stated here.

  • DO CONFIRM with the lender the final list of requirements to avoid delays in your request.
  • Be TRUTHFUL in all the documents you will submit.
  • Be sure that the information you provide MATCHES the documents you will attach to your profile to avoid disapproval.
  • COMPUTE for the valuation of your car’s equity BEFORE signing (we’ll discuss how to compute your car’s equity in a bit).

 Step 3: Claim Your Cash

Once you have submitted all requirements, all you have to do is WAIT.

Your lending agent in Kokomo might email or give you a call to let you know their decision on your loan request.

After you get the approval on your auto title loan – CONGRATULATIONS! 

All you now have to do is to CHOOSE among the methods available to claim your CASH.

Your title lender will present a list of options on how you can get your money:

  • Wire transfer
  • Checks
  • Bank transfer
  • Paypal
  • Financial Services Companies such as Western Union, Transferwise, Moneygram 

 That’s how title loans work in Kokomo, Indiana! IT IS THAT EASY!

Important Reminders When Applying For a Title Loan:

We know that Alabama title loans might sound TOO GOOD TO BE TRUE.

But, these lending companies are LEGIT. This service also follows state law. Title loans in Kokomo, IN, DELIVER what they promise.

“What’s the catch of title loans in Alabama?” some of you may ask.

There isn’t any catch – but you only have to be fully aware of the payment scheme.

Some people sign without understanding the conditions of the title loan they have applied for. This often causes problems or issues later on.

Before you SIGN and agree to surrender your car title, make sure that the terms indicated in the contract are similar to what was discussed by your agent.

RECHECK the payment terms, given car equity, debtor rights, and penalties, if any.

  • Are the terms a bit difficult or impossible for you? If yes, try to NEGOTIATE this with your car title lender in Kokomo, Indiana, so you can work out an agreement that can work for both of you.
  • In case car title lenders are withholding any information, it might be a sign to turn down their service. If these people can’t be honest with you from the beginning, you can expect that there will be surprises during the repayment process – yes, the bad kind.

 Why Proceed With Pink Slip Title Loans in Kokomo, IN?

Get Your Money Within 1 Business Day

Need cash ASAP?

GOOD NEWS: Most Kokomo, Indiana title loans can get granted within the same day! Some title lending companies can even process your request in a few hours.

Don’t have previous credit information? Do you have a low credit score? NOT A PROBLEM.

You CAN still apply!

For those who need money FAST, title loans will save the day.

Hassle-Free and Convenient Processing in Kokomo, IN

Unlike in bank loans in the city of Kokomo, IN, you DO NOT have to personally show up to apply.

If you have a cell phone, tablet, or computer, browse the available options in your vicinity to accomplish the whole process.

No long lines and no waiting time!

From submission of the request to claiming your money – you can finish EVERY. SINGLE. STEP. in the comforts of your own home.

Safe and Fast Short Term Loan in Kokomo, Indiana

DO NOT employ the service of loan sharks.

You also won’t have to go to a pawn shop in Kokomo, IN, and pawn your most valuable jewelry to get the cash you need.

An auto title loan is COMPLETELY SAFE. The service of these lending institutions is regulated and registered, so you won’t have to worry if the lender is scamming you or ripping you off blindly.

We highly recommend title loans for residents of Kokomo, IN with:

  • Unpaid and overdue utility bills
  • Emergency medical or hospital expenses
  • Renovations or Household Expenses
  • Student loans
  • Credit card bills
  • Quick cash for personal expenses

 NOTE: YOUR REASON for needing money or where the title loan proceeds will go is up to your own discretion.

In Kokomo, IN, your lending agent will not ask, nor would you have to disclose this information.

Disadvantages of Getting a Title Loan in Kokomo, IN

Interest Rate Is High in Kokomo, IN

For transparency purposes, be warned that title loans in Kokomo, IN, are known for imposing above average and steep fees in exchange for FAST money.

This is actually the case for most title lending companies.

This comes as no surprise because Kokomo lenders usually extend loans even to people with bad credit or low credit scores.

However, expect the interest rate to be higher than usual should you apply despite having bad credit.

Again, do read the fine print before you sign anything. Be sure to know the terms and conditions of car title loans to avoid additional or unnecessary penalties.

Risk of Losing Your Car

In the event that you are unable to meet the payment terms of the contract, the lender has rights to repossess your car.

Remember, your pink slip title is the collateral for the money you have loaned.

If your car is your daily companion to drive around Kokomo, IN, or interstate, the hassle of losing it outweighs the money you can get.

Thus, be sure that you will be able to comply with the conditions of the contract to avoid any issues with the lending company or, worse, bid farewell to your auto.

Frequently Asked Questions

I Have Bad Credit. Am I Ineligible to Apply For a Title Loan in Kokomo, IN?

NO WAY! Residents of Kokomo, Indiana, can still apply for a car title loan even if they have a low credit score.

HOWEVER, lending people normally advertise that credit checks are not conducted. BE INFORMED that there are some instances that they do.

DO NOT BE DISCOURAGED if you have a low credit score.

The main criteria for title loans in Kokomo, IN, lies in the CAR EQUITY and MODEL as well as the DOCUMENTS (valid photo ID, clear title, etc.) you present.

If ever they conduct a credit check, DON’T PANIC! They’re just checking whether you have the ability to pay back the loan.

Lastly, it’s good to note that it can affect the loan that they will offer.

Individuals with better credit receive HIGHER loan amounts while those with low or zero credit scores are offered LESS.

Is It Possible to Get a Title Loan With a Cosigner?

Yes, definitely! However, the lender might need you to take on the title loan together with your cosigner. The rights and total offer might also be different in this case.

Alternatively, you can opt to transfer or change the name on the registration to reflect a single owner only.

REMINDER: Not all title lending companies might allow this setup, so be sure to CONFIRM with them before applying or making any changes in car ownership.

Are Motorcycles Title Loans Accepted in Kokomo?

Motorcycle title loans in Kokomo, IN, are RARE.

As such, there are only some lending companies that process this type of loan.

However, some lenders can make exemptions. Thus, it would be best to verify with their lending agents if motorcycle titles would be accepted.

How Much Can I Get In an Auto Title Loan in Kokomo, IN?

Possible loan amounts from title loans depend on the valuation of your vehicle or its EQUITY VALUE

If you are new to title loans, we highly recommend doing your own computation before bringing it up with a lender in Kokomo, IN.

The information on your car’s equity can serve as your reference to help you decide if the lending agent’s offer to you is reasonable.

Four factors affect the vehicle valuation (VV):

  • Make and Model of the vehicle
  • Mileage or total distance traveled
  • Year it was made
  • Kokomo Zip Code of the vehicle or where it is registered

 You can try to compute an estimate of your car’s equity by:

Equity = VV – percentage rate x dues and outstanding fees for the vehicle

If your car is not completely paid off yet, you need to include this in your computation. Factor in unpaid installments or fees for the vehicle to get the equity of the vehicle.

This is then multiplied by the lender’s percentage rate, which will then be subtracted from the VV.

The final figure you get should be close to what the lender is offering.

I Haven’t Completely Paid off My Vehicle Yet. Can I Apply for Car Title Loans?

Yes! It is still possible for vehicle owners with pending installment payments to apply for a car title loan in Kokomo, IN.

Some lenders in Kokomo can accept these vehicle loan applications.

Some are even willing to arrange the installments so that you can course the remaining balance through them.

This arrangement means that you ONLY need to pay 1 company for the loaned money and the balance for the car.

HOWEVER – this would definitely impact the offer or total money you can get. Plus, this would also incur interest rates, so THINK TWICE before you do.

AGAIN, do confirm with your chosen lending institution in Kokomo, IN. NOT ALL lenders can accommodate or accept this arrangement.

Do I Need to Be Employed When I Apply?

Not at all! Employment is not a prerequisite when applying for auto title loans in Kokomo, IN.

The car model and documents you submit will be the main basis of the assessment.

Our Tip: Although it’s not a requirement, it’s important to show the lender proof of your income or ability to pay back the loaned money.

  • For example, unemployed people in Kokomo, Indiana, can opt to provide a copy of their pension, freelance invoices, or regular social security benefits as a supporting document.
  • In this way, the lender would be able to see that you CAN pay off your debt.

 Is a Car Title Loan Better Than a Payday Loan?

Both are great short-term loans for those needing FAST CASH.

The MAIN DIFFERENCE between these two loans is the offer you can get.

Payday loans in Kokomo, Indiana, offer much smaller loan amounts. Moreover, the repayment periods are much shorter.

In contrast, people often go for a car title loan because it can offer a bigger loan amount.

Again, title loans depend on the car you own. Since they span longer than Payday loans in the city of Kokomo, IN, you can negotiate more flexible payment terms or even longer repayment periods.

Apply For a Title Loan in Kokomo, IN Today!

That ends our guide to title loans in Kokomo, Indiana.

We hope this gave you enough information to decide and guide you through the whole process of title loans.

Let us know your thoughts and experience below!

Related Locations

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

Skip to content