Home > Locations > Florida > Largo, FL

Title loans in Largo, FL

Fill in the online form

or

Call us now

Open hours

Mon - Fri:
Saturday:
Sunday:

9am - 7pm
10am - 4pm
Closed

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

Title loans in Largo, FL

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

Radioactive Car Audio

13744 66th St N # 6

Largo

33771 FL

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 Largo, Florida: Are They Worth It?

If you’re in need of some quick cash, title loan lenders in Largo will gladly give it to you—as long as you’re willing to use your car or vehicle as collateral, that is.

Unlike loans from a financial institution like a credit union or bank, though, there’s little else you need to get approved for title loans in Largo, Florida. Thus, it’s become a popular choice for many people in a pinch.

Does this sound too good to be true? Well, let us explain how exactly these auto title loans work in Largo so you can determine if they’re worth it.

Loan Amounts for Car Title Loans

First of all, how does a loan title lender compute the loan amount offered to you?

Well, although different companies in Largo have different policies, there are usually three major factors involved.

Car Information

One is your basic vehicle information.

Since title loans are directly related to the value of your car, lenders need to know its year, make, model, style, and mileage.

These details will help them figure out how much your vehicle is currently worth on the market. Naturally, a higher-valued car will translate into a higher loan amount as well.

Typically, loan amounts will be around 25 to 50 percent of its market value, but this can also go much higher depending on the two other factors and other possible circumstances.

For the most realistic values, it’s best to directly contact a customer service representative based in Largo online or over the phone.

Equity Value

Another factor is the equity value of your vehicle. This usually comes into play when you have an outstanding balance left on your car—in other words, it’s not yet “lien-free”.

To calculate your car’s equity value, subtract the total amount you still owe to the bank or dealership from its actual value.

If you want to know the actual market value of your vehicle, you can get an appraisal from your local dealership. Online tools can also provide helpful estimates, but these may not be as accurate.

Lenders offer title loans based on equity values, so you should know how much your vehicle is worth.

Credit History

The last factor is your ability to repay the loan.

Contrary to popular belief, credit checks and other related background checks are still a part of the loan application process in Largo, Florida.

While banks and credit unions will place a lot more importance on your credit score, this information still tells lenders something about your current financial standing.

Since they need to profit, they want to make sure customers can pay their title loans in full.

Now, don’t be discouraged if you have bad credit. Because there are other factors involved, lenders won’t automatically dismiss your application once they see this.

Remember, it doesn’t hurt to try!

Payment Options for Car Title Loans

Once your application for a car title loan in Largo, Florida is approved and you get your money, you may be wondering what the next steps are.

This really depends on the terms stated in your vehicle title loan agreement, but usually, these involve regular monthly payments with added interest.

Title loans in Largo typically last for one to two months, but they can be extended up to a year or more.

Monthly Payments

Regular

Normally, you’re required to make a regular payment every month.

This amount of money is computed considering the interest rate, so you’ll be paying more than what you borrowed once you finish the auto title loan.

For example, if you loan $2,000 in cash with an annual percentage rate (APR) of 30% and a contract duration of 2 months, your monthly payment will be around $1,038.

After two months, you’ll have shelled out $2,075 total for the title loan.

Now, this may not seem like much, but if you’re given higher interest rates and a longer time to pay, you’ll need to hand over a lot more money.

Given this, you should always look for competitive rates before signing up for title loans in Largo, Florida, and go for the most short-term options, if you’re able.

Automatic Debit

If you want to shorten your monthly to-do list, you can opt for automatic debit payments instead of manual cash or check transfers.

This service allows lenders to automatically charge your debit card every month so you don’t forget any one of your title loan payments!

Rollovers

Meanwhile, if you’re having a hard time keeping up with the monthly charges, some companies will offer a rollover scheme to help you out.

However, because this will entail a lot of extra interest fees due to additional borrowing, it’s not the greatest option if you want to save money in the long run.

Early Repayment

What if you have the money to fully pay your auto title loan ahead of time? Well, most companies in Largo, Florida allow early repayment without any penalty charges.

Remember, the longer it takes for you to pay off your title loans, the more money you have to spend on interest fees, so it’s much better to settle auto title loans as quickly as possible.

Refinancing

Refinancing title loans, on the other hand, can achieve two things: Lower interest rates and an extended loan payment period.

By refinancing current title loans, you can renegotiate terms, switch to a different lender, or ask to extend the loan period.

This flexible option helps customers manage their money optimally if they’re no longer satisfied with the current terms of the loan.

Others

If you have any other concerns, feel free to bring them up with the company. Its team of experts will surely work out any problems you may have and help you manage your financial situation.

The loan process may be quite difficult and disheartening at times, especially when you’re low on cash, but more often than not, arrangements can be made to suit your circumstances.

How Do I Apply for a Car Title Loan in Largo, Pinellas County?

The first step to getting car title loans in Largo, Pinellas County is to submit a loan application online.

Once your information has been processed, a customer service agent will inspect your vehicle, ask for other necessary requirements (if applicable), and give you an offer.

Requirements may include the following:

  • Government-issued ID (Must be valid)
  • Proof of Income
  • Proof of Residency
  • 4 Vehicle Photos (all sides of your car along with VIN and odometer)
  • Car Title (Lien free)

After your loan application has been approved and the contract has been signed, you can claim your money! Remember to complete your monthly payments on time to prevent incurring extra costs.

Frequently Asked Questions

What’s the Difference Between Car Title Loans and Payday Loans?

Payday loans are very short-term loans where you only have a few weeks to pay.

Compared to car title loans, these also involve a smaller amount of money. While both types of loans usually have high-interest rates, the former commonly shoots up to three digits right away.

Car title loans are also a bit harder to qualify for because you need a vehicle as collateral.

What are the Benefits of a Car Title Loan?

With car title loans or pink slip loans, you can get a large sum of money right away.

One of the reasons people favor this type of loan is because the loan process is so easy too. Once you apply and get approved, you can keep on driving your car and conveniently make payments from your own home.

How Long Does the Loan Process Take in Largo?

The whole process—from loan application to approval—only takes a few days to a week at most. Some companies in Largo even allow you to do the whole thing remotely, so it’s extra convenient for you.

Then once your car title loan has been approved, and all the requirements have been sent, you can get your cash loan in as soon as 24 hours!

Can I Get a Car Title Loan in Largo If I Have Bad Credit?

Although application approval isn’t guaranteed, you’re still welcome to try. Many people have successfully gotten this type of loan from companies in Largo despite having bad credit.

What’s more important is that you’re able to pay over time, so be sure to provide proof of income, employment, or any other documentation that shows you can handle the financial responsibility.

To Sum It Up

Now that you know all the requirements, policies, and advantages of getting a loan in Largo, Florida, you can make the right financial decision for your situation.

Ready to take the leap? Get started with the online application now, or get in touch with one of our agents to find out more!

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