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Title loans in Lauderhill, FL

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

Title loans in Lauderhill, 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

Magic Car Sounds

1201 N State Rd 7 #A

Lauderhill

33313 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 Lauderhill, Florida: All You Need To Know

No one means to run out of cash, but sometimes life just throws a wrench into your careful budgeting plans.

Whether it’s utility bills or medical bills, certain emergencies come up where we just need that money now.

If you find yourself grasping at straws, maybe it’s time to consider car title loans. Let’s begin!

Understanding How Title Loans Work

Simply put, a car title loan is a short-term, secured loan that uses your car as collateral.

Car title loans are also called “pink slip loans” from the pink paper that California vehicle titles were once printed on.

However, car title loans have certain nuances that make it different from secured loans taken out from a bank.

Here are the top 3 characteristics that make them different.

1. Your Ability to Apply Isn’t Based On Your Credit Score

Unlike secured loans where lenders base your ability to borrow on a good credit score, car title loan lenders in Lauderhill will base it off of your car’s “equity value”.

Equity value is the value of your car minus any amount you owe on, say, a vehicle loan. You have full equity value if you own the vehicle outright.

That’s why it’s important that you have full ownership of your car so you can use the entire amount as leverage in applying for an auto title loan.

2. The Loan Amount Will Depend On Your Vehicle

Following that line of thought, lenders in Lauderhill will base the amount people borrow on a percentage of their car’s market value.

Depending on the lender, this could be anywhere from 25%-50%.

Lenders will appraise your car based on its model, make, and current condition in order to come up with a loan estimate.

Remember that things like depreciation or previous damage will affect the loan amount so you have more luck getting more money for a brand new car!

3. The Lender Doesn’t Hold Onto Your Car

Unlike car pawn loans, auto title loans allow you to continue driving your car even if the lender is holding onto the title.

Lenders will only repossess your car if you can’t keep up with payments and pay off your debt.

Applying for A Car Title Loan in Lauderhill, Florida: 5 Easy Steps

Now that you know how title loans in Lauderhill work, let’s dive into the actual loan process for your vehicle title loan application.

  • Fill out an application form online or in-person
  • Bring your car and lien-free vehicle title to one of your lender’s branches in Lauderhill
  • Submit any other additional requirements (check the list below!)
  • The lender will do a car appraisal and determine the amount you can borrow
  • Sign the loan agreement and receive your money in cash or in your bank account

Main Requirements for Loan Application

While requirements may vary from state to state, lenders in Lauderhill will require people to provide the following as part of the application process:

  • Be at least 18 years old and the owner of your car
  • Present a lien-free vehicle title
  • Submit at least 1 valid I.D.

Top tip: Lenders need to get the vehicle identification number (VIN) of a car when they’re processing car title loans.

A VIN number acts like your car’s fingerprint and will tell a lender if there is any lien on the vehicle.

The VIN number is found on your title, so in case you lost this, read on to find out how you can request for a replacement!

Other Requirements You Might Need

Keep in mind that even if lenders are open to customers with bad credit, the company will still want to dig around your credit history to make sure you don’t have a history of bankruptcy.

Here are some things vehicle title loan lenders in Lauderhill might ask customers to share when they perform a credit check:

  • Proof of monthly income
  • Utility bill or other proof of residency
  • Updated vehicle insurance and registration
  • Name, phone numbers, and addresses of 2-3 references

Helpful Things to Know When Applying

When applying for car title loans, it’s one thing to know the basic requirements to get you started on the loan application process.

However, there are certain game-changing tips that will make it even easier on your journey in securing a vehicle cash loan in Lauderhill.

Getting a Copy Of Your Title

In case you find out that your title has been lost, damaged, or stolen, fear not: You can get a copy at the local DMV in Lauderhill.

Applying for a Duplicate Title

You can apply for a duplicate copy either by mail or in-person by visiting your nearest local county tax collector’s office and bringing the following:

  • New vehicles: $77.25 (electric title)
  • Vehicles previously registered in Florida: $75.25 (electronic title)
  • Out-of-state vehicles: $77.25
  • Adding a lien to a title: $74.25
  • Printed paper title additional fee: $2.50
  • Expedited fast title additional fee: $10

Replacing a Lost Title in Florida

To replace a lost title in Florida:

After application, the DMV will send the duplicate copy to you in the mail within 10 days unless you paid for expedited title services.

Rolling Over Your Loan

If people can’t pay off their borrowing within the agreed term, the lender may allow them to “rollover” their existing loan into a new one.

Rolling over your loan essentially extends it to give you more time to pay it off. However, roll over title loans come with their own interest rates and fees that you’ll have to pay on top of your original one.

Roll over terms are a good question to ask lenders when you’re canvassing for title loans in Lauderhill. Each lender will have their own roll over-loan terms, fees, and maximum interest rate.

Refinancing Your Car Title Loan

When customers find themselves in a situation where they want to get out of a title loan with a high-interest rate, they can consider refinancing it.

Refinancing means taking out another borrowing either from a bank or another type of lender at a lower interest rate to pay off your first loan.

While this alternative doesn’t free up your debt, it will definitely help you save some money on paying interest for rollovers each month.

Top tip: If you’re having a hard time getting approved for a better loan due to issues with your financial score, try tapping a local credit union for possible alternatives.

What You Need to Keep in Mind When Applying for a Car Title Loan in Lauderhill, Florida

Applying for car title loans is a quick and easy process to get cash fast when you need it. However, lenders may not disclose everything during your initial discussions.

Before you settle down with the first title loan lender you see in Lauderhill, keep these important points in mind.

There Are Fees on Top of Interest Rates

Before you sign on the dotted line, make sure to read your loan agreement and ask about APR.

What is APR?

APR, or Annual Percentage Rate, is the yearly cost of borrowing money over your loan term. By law, lenders must clearly explain the breakdown of your loan’s APR as part of the loan process.

Some hidden fees may not be included in your APR, such as:

  • Late Penalties – charged when you miss a loan payment
  • Prepayment Penalties – charged if you pay off your entire loan before the due date
  • Credit Report Fees – for doing background checks during the loan application process
  • Origination Fees – service fee for processing title loans

While not all lenders will have these hidden fees, it’s really best to review your options with title lenders in Lauderhill before you decide on borrowing from a company.

Beware of Balloon Payments

A balloon payment scheme involves paying small portions of your loan’s principal balance over the entire term and then paying a lump sum amount at the end of the loan’s term.

A balloon payment tends to be double the cost of your other payments, and can even go up to 70%-80% of your total amount.

This could prove a heavy sum to pay especially if you’re tight on money, so opt for an equally amortized repayment scheme if you can.

You Can Be Denied a Loan Even if You Have a Car

Despite almost all ads for car title loans claiming that anyone with a car can be guaranteed fast money, you can actually be denied a loan by a title lender.

Common reasons for denied applications include:

  • Bankruptcy or history of bankruptcy
  • Unemployment
  • Bad credit record (ex. multiple findings of continuous missed payments)

Top tip: If you’re retired or disabled but receiving benefits from your state, you can use this as a source of income to present to your lender.

In Summary

Car title loans are not only a quick solution to getting the extra money you need but are much more affordable than other types of financing like payday loans.

However, just like with all loans, it’s best to educate yourself on all the costs that you might need to pay for on top of just your loan and interest.

Read over this article again and don’t rush in picking just any lender offering you title loans. Careful discernment may save you a lot of money in the long run!

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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