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Title loans in Lacey

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Mon - Fri:
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Sunday:

9am - 7pm
10am - 4pm
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All our loans are processed online. This location provides only GPS services, it does not issue loans

Title loans in Lacey

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

Audio Northwest

4708 Pacific Ave SE

Lacey

98503 Washington

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

How to Get Car Title Loans in Lacey, Washington

Need some quick cash? You can get some with car title loans!

If you have trouble keeping up with your bills, applying for title loans may be the easiest way to buck up.

“I use my vehicle every day, though, and my work or business needs it as well! Selling isn’t an option!”

We know how important your car is to you. Not to mention how much you need it getting your way through Washington.

But this title loan process allows you to get cash WITHOUT having to sell your vehicle.

Here’s how you can get money through a title loan in Lacey, WA.

What’s a Car Title Loan?

Car title loans, also known as pink slip loans, lets you hand over a vehicle property as collateral in exchange for a cash loan.

The loan usually amounts to the equity value of the vehicle you’re handing over.

Compared to other loan processes, getting a car title loan is the QUICKEST and MOST SEAMLESS process.

You can get the money within the day of your application as long as you have all the legal documents verified. But do take note, it may come with high interest, but we’ll talk more about that later.

A Car Title Loan Requires Your Ownership of A Car

Before you roll your eyes at this statement, it isn’t as simple as it seems.

Some lenders may be apprehensive about giving you a money loan if the car isn’t entirely yours yet.

If you’re still paying installments on your vehicle, you might not get approved for car title loans.

There are also other cases wherein the owner of a vehicle is not its legal owner. You NEED to have your name on the paperwork for the car in order for the loan process to push through.

The documents will factor in quite a lot in the decision for your loan application.

YES, the paperwork for the vehicle title loan DOES matter more than the actual car and here’s why:

Car Title Loans Let You Keep The Car

Unlike a title pawn, a car title loan will allow you to keep using the car even while your title loan isn’t paid off yet.

These kinds of auto title loans embody the ideal setup for those who use their only car on the daily, or for business purposes.

Thus, the only proof for the loan occurring and your obligation to the lender, is the PAPERWORK.

The lenders will usually have quite a lot of stringent conditions to safeguard themselves from borrowers defaulting and disappearing.

What Kind of Requirements Are There For Title Loans?

Here are some of the requirements for a title loan in Lacey before you can get some money:

  • Official, government-issued resident ID to prove legal age (above 18) and clear photo
  • A set of CLEAN title papers of the car to be used as collateral under the borrower’s name
  • Proof of income gives lenders assurance that borrowers can pay off the debt (bank account records, etc.)
  • Completed application form

Please note that these are ONLY some of the requirements. Certain companies may ask for more information or paperwork.

Please be diligent in working with your lending company. Be open and communicative as they are willing to work around for the loan deal to work.

Other lenders will also look into your past credit score, although it is typical that they gloss over the information because they have a form of collateral which is the car’s title.

The attention to your credit score and bank account statements will differ from lender to lender.

Frequently Asked Questions

How Much Money Can I Borrow From Title Loans?

Much like a pawnshop, a valuator will check the equity value of your vehicle to be used as collateral before you get a title loan.

In a common scenario wherein an owner possesses 100% of the vehicle and has made all payments, a borrower can ask money for up to a certain percentage of the car’s value.

The main difference is that pawnshops will give you MORE; up to the full amount of the pawned item’s value. But the tradeoff is that the car will have to be at the shop.

How do the Interest Rates Compare and for How Long?

Car title loans are considered short-term loans.

So short-term in fact, that they’re also called payday loans. The expectation is for you to pay off your loans after one or a few payday sequences.

As a result, the interest rates are high on your loan amount – sometimes bordering on exorbitant.

The high interest rate is something you must keep in mind if you intend to take an auto title loan.

How Quickly Do I Get The Money From Title Loans?

What makes title loans so popular is the convenience of the application process.

Give the completed application form for the loans and other necessary paperwork, and you’re one step closer to the cash!

The loan approval process is also relatively quick. As long as you have the requirements with you, you can acquire the money of the loan amount WITHIN THE DAY of your application.

Time is saved by not doing an in-depth credit check and relying more on your car’s paperwork for approval.

What Happens If I Crash The Title Loaned Car?

Make sure to give your insurance company a ring because regulations may differ regardless if you’re in Lacey, the area of Washington, or outside those boundaries.

  • If the car is a total write-off, then they will hand over to you the automobile’s value before the crash. You can still use that amount to pay off your cash loans.
  • If it isn’t, then you can pass the loan onto another of your vehicles, discuss flexible payment plans with your lender, or find another way to pay off the loan PLUS the interest rate.

We’re crossing our fingers that you never get in this situation. Never mind the concerns on auto title loans, but for your safety.

What Do I Do If I Can’t Pay My Title Loan On Time?

Not paying on time on your title loan is a cause for concern, but MOST lenders would rather find workarounds with their clients than go through the hassle of repossession.

It costs them money and time, two things they would rather not waste.

If you can’t pay on time, you can discuss flexible payment plans and loan terms with your lender.

The last resort is to take out another loan to pay for your current loan amount, but that could easily send you into a spiral of debt if you’re not careful.

Just keep in mind that repossession is an absolute last resort, so be communicative and open.

And don’t forget to be smart about it – the more you panic, the worse your decisions will become. 

Does This Apply To Other Areas?

Generally, the laws for vehicle title loans remain the same.

That’s why whether or not you get your car title loan in Lacey, WA, you still need the fundamental documents such as identification.

However, some localities may have additional policies to safeguard both parties in a vehicle loan transaction. These include additional processes such as:

  • Deeper checking of credit score and bank statements
  • Verification of title and paperwork
  • Other factors that may make it more difficult than borrowing in Lacey, WA.

Wrapping Up

It’s pretty easy to get a car title loan. Especially in Lacey, where title loans are pretty quick to process!

Just have the needed documents ready and verified and you’re good to get the cash within the day. AND you get to still use your vehicle.

Remember, other cities or states may have different rules for car title loans and different documents needed for loan application.

Make sure to keep track of your cash and ALWAYS loan responsibly!

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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