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Title loans in Lakeland

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

Title loans in Lakeland

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.
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


Blvd Customs Of Lakeland

215 E Memorial Blvd


33801 Florida

Service type

GPS Installation Centers

Start your loan process at this GPS Center

How it works


Our main

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


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 Lakeland, Florida: The Whats and Hows

Are you facing unexpected life troubles?

Bankruptcy? Sudden death in the family? Household purposes? Medical emergencies?

You’re already in a state of despair. Securing a loan SHOULD NOT BE ANY HARDER anymore.

Secured loans can help you with making payments, and Lakeland auto title loans are PERFECT for your immediate cash needs!

If you own a car, title loans might be the BEST loan option!

Check the information below for everything you need to know about title loans in Lakeland, Florida.

Car Title Loans in Lakeland, FL

A car title loan in Lakeland stays TRUE to what title loans are. Here are a few characteristics of a title loan.

  • It is a type of short-term loan.
  • It is also called an “auto title loan,” a “vehicle title loan,” a “pink slip loan,” or just a “title loan.”
  • It is a secured type of loan.

Title loans take advantage of car ownership to get some extra cash.

If you are a car owner, you can borrow money from credible lenders by (temporarily) surrendering your vehicle’s title.

  • The car title serves as an ASSURANCE that you’ll pay your dues.

You still get to drive your car; only you do not have the physical proof of ownership for it.

You can get the title back at the end when you have successfully paid up the whole loan value.

Understanding Car Title Loans (Lakeland)

Say your loan proceeds. But, you FAIL TO PAY the loan amount by the end of the agreed-upon time. What happens?

You LOSE your car!

Again, to make sure you understand. YOU LOSE YOUR CAR. Your lender gains full possession of your vehicle!

It’s a BIG RISK, we know.

But, if you’re sure you can repay it ON TIME, auto title loans are one of the BEST options you can turn to if you need cash ASAP.

Now that you get the gist, it’s also important to get a short rundown of the things you should take note of.

Amount: Vehicle’s Equity

Can title loans get you the amount of cash you need?


The loan amount is roughly the value that the auto loan store computes based on the ESTIMATED MARKET VALUE of your car.

They consider the OVERALL CONDITION OF THE CAR and a few specifications.

  • Year and make
  • Model and mileage
  • Signs of usage and damages
  • Other modifications

Most lenders will be able to give you 25-50% of your vehicle’s value.

If you think your car may be worth MORE than their estimate, it won’t hurt to negotiate a bit! Bringing in an expert evaluator of your own can help you be treated fairly.

Amount: Loans Provider

Aside from the car’s equity value, the cash you can get also depends on your lender.

Some lenders in Lakeland offer loan amounts from $2,500 to $50,000. There are also loan agents that only offer cash loans in the $1000 to $20,000 range.

How would you know which to choose? Here are a few questions you can ask yourself.

  • Are they credible? Legitimate?
  • Do they offer fair value for my vehicle?
  • Can I afford the interest rates they charge?
  • Are my cash needs within the range they can loan out?

Although there are loan providers that can get you up to $50,000, AVOID BEING TEMPTED TO BORROW MORE THAN YOU NEED!

Assess how much cash you need, and STICK to it!

The number one mistake of borrowers is thinking that the amount they borrow does not matter because it is debt anyway.

But, that cannot be any more wrong.

If you borrow more, you’ll have to repay much more! Avoid putting yourself in a worse financial situation.


Of course, you should consider how much time you may need to repay the money!

Car title loans are great options if you can pay short-term loans. If you borrow some cash today, do you see yourself being able to repay it in 30 days? How about in 60 days?

If the answer is NO, you have two other choices left:

  • Find a title loans provider that offers longer terms.
  • Opt for different types of loans (personal loans, payday loans, title pawns, student loans, etc.)

Don’t lose hope if you aren’t capable of repaying your loans in a month! Most Lakeland title loans have flexible periods.

The maximum loan term usually stretches to one year.

Just remember, know HOW MUCH you need and WHEN you can realistically pay it back.

Loan Agreement

The title loan agreements between borrowers and lenders are straight to the point.

The borrower surrenders the vehicle’s title as COLLATERAL. The lender gives the cash and expects a timely repayment.

That’s usually about it.

But, it is good to note that some lenders can be more particular. Some Lakeland car title loans require you to put a tracking device on your car.

  • This is some extra assurance that you won’t just run away with your car.

Lakeland Title Loans Requirements

The FUSS-FREE LOAN PROCESSING of auto title loans in Lakeland, Florida, is all about the requirements and EASE of application.

You DON’T need to prepare a lot of documents when you apply.

The loan application was made simple and fast to encourage consumers to apply.

Once you pool the documents together, you can submit them in person or send them through email.

Here are the requirements that the lender will ask of you:

  • Original and clear vehicle title
  • Copy of a valid identification card (ID)
  • Proof of residence in Lakeland, Florida
  • Proof of car insurance
  • Proof of income
  • Proof of a bank account
  • Photos of the vehicle itself

Advantages of a Car Title Loan

Car title loans (Lakeland) may not be for all.

But, it sure boasts a lot of benefits!

Before applying for auto title loans, check if you can benefit from the advantages of this type of loan.

Common Uses for a Title Loan

Being swamped by sudden fees is terrible. The good thing is that a title loan can get you the quick cash you need.

Here are some unexpected fees that most people get a title loan for.

  • Emergency medical bills
  • Accident-induced car repairs
  • Utility and rent
  • Food and groceries
  • Tax bills
  • Credit card bills

And don’t worry! You still get to drive your car while you pay for your bills!

Benefits of a Title Loan in Lakeland


A title loan is popular because of the SPEEDY loan process. With a good loan agent, you can get your cash within one business day, or even hours, after your application.

Plus, the loan terms are very flexible. You can personalize it according to your need.

If you only need a small amount of cash, you can easily ask for the minimum loan amount or minimum loan term.

Lastly, a car title loan does not discriminate.

Bad credit score? Not a problem!

Your lender will still do a quick credit check, but a bad credit score will NOT break your application.

Providers of title loans are everywhere in Lakeland, and you can easily apply online or over the phone!

Disadvantages of an Auto Title Loan

Car title loans (Lakeland) seem like a great option.


As with everything, there are disadvantages to a title loan. Take some time to breeze through these downsides before committing to an application.

High Rates

The downside of quick cash is the COST that comes with it.

Traditional bank loans and the accompanying credit check can be tedious. It can be a pain to avail.

But, at least, the interests are much more affordable.

If you want a low rate similar to a bank loan, a title loan is not for you. The rates of a car title loan can be VERY HIGH.

It’s about the same rate you’d expect from payday loans. They have in common that borrowers with bad credit can still apply.

Bad credit means an increased risk for the lending company.

Here are some other reasons for the high rates:

  • The interest fees are non-annualized.
  • Quick cash equates to a higher risk.


Title loans are very flexible and accessible. But there are still some limitations that can make or break your choice.

Common vehicle types are accepted as collateral for a title loan. It might not be a major factor if you own a sedan or an SUV.

However, if you own a truck, a bus, or a motorcycle, it is best to check with your lender first.

Another limitation of this loan type is that you can’t avail of a title loan for two different vehicles. You can only apply for one vehicle at a time.

  • If you need a second title loan on a second vehicle, you may have to apply at a different title loan agency.
  • Of course, this means doing the whole process AGAIN and essentially paying twice the amount.

Lastly, partial car ownership will disqualify you from applying for an auto title loan.

If you are not eligible for a car title loan, there are other types that you can check out.

  • Payday loans
  • Service student loans
  • Personal loans
  • Title pawns

Steps in Securing Lakeland Title Loans

The earlier you get started, the earlier you can get your money.

But don’t forget to make sure you still carefully accomplish each step.

1. Secure the Required Documents

We already talked about the requirements in the earlier section. However, those are just the BASIC requirements.

Once you’ve chosen a lender, take the initiative to ask if they have any extra requirements.

After all, THEY are the ones who will make all the credit decisions.

2. Apply Online

Once you’ve prepared the requirements, you can now secure an application form from a lender of your choosing!

You can get this at a physical office or download it from their websites.

Complete the application form as correctly as you can. This will be the basis for CONDITIONAL APPROVAL.

  • Double-check your personal information.
  • Make sure to accurately fill in your vehicle details.
  • Filling up the form means you are still providing acceptable property (your car) as collateral.

3. Get Pre-Approved

As long as you have filled in the application form properly and have secured all requirements, pre-approval is a breeze!

How will you know you have been pre-approved?

Your agent or lending officer will contact you through your preferred line once this step is done.

4. Pending Review & Final Approval

The most tedious part of the steps is when terms and agreements are laid out.

This is the step where you’ll talk about the specifics. Here are some TIPS that may help you before signing any terms.

  • Make sure you get a fair value for your car.
  • Double-check the interest rate.
  • Carefully look if there are any hidden fees.
  • Check if there are prepayment penalties (especially if you intended primarily to pay early).

If everything seems okay with you, sign the needed documents and secure a copy for yourself.

5. Get the Cash

Getting the cash is undoubtedly our favorite part!

Nothing separates you from paying your financials. Don’t forget to bring an ID when claiming your money.

You can opt to have your money wired to you as well.

6. Repay Your Loan

Repayment is the part that most people forget when it is arguably the most important part!

If you fail to repay your debt, you will be forced to FORFEIT your car. Failing to repay your debt puts you in a worse financial state!

Always make sure you are CAPABLE of repaying all your debts.

Repayment of title loans is also very accessible. You can opt for any of the following options.

  • Direct deposit
  • Wire transfer
  • Through check

Florida Title Loan Laws

Any car title loans expert will not forget to tell you about title loan laws.

The Florida title loan laws put a CAP on the interest rates a lender can charge you depending on how much you borrow.

  • Less than $2000 – maximum 30% per year
  • $2000 to $3000 – maximum 24% per year
  • Greater than $3000 – maximum 18% per year

What if your lender charges you higher than the interest rates above?

Any lender who purposely overcharges will have to pay you back the excess amounts. This helps you ensure that no one takes advantage of your financial situation.

But, it does not end there!

Aside from returning the money, the lender will also be required by the law to:

  • Return the vehicle used as collateral (if it was forfeited or possessed).
  • Forfeit the whole principal amount of the loan.


Life is hard and complicated. Not everyone has the luxury to afford unexpected expenses.

But, being underwater does not necessarily mean you have to drown.

Car title loans in Lakeland, Florida, can help!

We hope that this article helped you figure out how to apply for Lakeland title loans, and we wish you luck with your financial situation!

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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