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Home > Kansas > Lenexa

Title Loans in Lenexa , Kansas

How much cash can i get

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Location Information:

MC representative


13311 Walnut St
Kansas   66215

Working hours

Mon - Fri: 9am - 7pm

Saturday: 10am - 5pm

Sunday: Closed


Title Loans up to $50,000

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3 Easy Steps to Get a Car Title Loan in Lenexa

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Apply either online or by phone. Montana Capital is here to help you get the cash loan of your car title fast and secured!

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Depending on how much your car is worth, how much money you need and your ability to repay you could get up to $50,000.

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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?
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It’s not that hard as you think! Getting started
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Car Title Loans

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The vehicle’s title

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Get up to $50,000

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Bad credit – OK

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  • Apply online or call us
  • Get approved
  • Get the cash loan
  • Keep driving your vehicle

Car Title Loans in Lenexa, Kansas

Any person can suffer a setback or go through an emergency. If you need the extra cash, car title loans are a fantastic way to get extra funds.

You can then pay your loans back once you’ve gotten back on your feet!

What Exactly Are Title Loans?

Title loans are short-term collateral loans that will give borrowers like you a way to use your vehicle title as collateral. 

What do you get in return? INSTANT MONEY! 

You can secure loans directly from lenders by giving them a legal claim to your car’s ownership until the loan is paid off.

Lenexa is home to some of the best title loan creditors. Many are more than willing to lend you a helping hand if you need financial help.

Most, if not all, offer a fast online loan service to help you maximize your time, energy, and money!

How Are Title Loans Different From Payday Loans?

They are both short-term loan agreements. It typically lasts between 15 to 30 days. However, they differ in several things.

First, instead of issuing a check or authorizing the lender to debit your account with payday loans, your vehicle acts as collateral for auto title loans.

Second, the cash you can borrow is bigger, unlike in payday loans that usually give you a few hundred dollars. For title loans, this is usually about 25% to 50% of the value of your automobile.

Can I Still Secure a Car Title Loan Even if I Have Bad Credit?

Some resources might tell you that car title loans don’t require credit checks or that you can get one even with a bad credit score/rating.

HOWEVER, this is a fallacy because NOT ALL lenders guarantee this.

Some lenders MAY still perform credit checks to gauge your ability to pay for them.

If you’re currently undergoing some financial issues, you’ll have MORE difficulty taking out such loans.

What if you successfully apply for a car title loan amidst your poor credit and get that approval?

You’ll likely receive money, but expect a worse deal and higher interest than another borrower with better credit. The latter is MORE likely to get loans that offer MORE money.

Loan Application Process in Lenexa, Kansas

We’re here to help you with the loan process so that you can get these much-needed auto title loans. The exact amount will be based on the value of your vehicle.

Step 1 — Evaluate the Amount of Cash Advance You Need

Knowing the approximate amount of the loan you need to take out will make it easier to calculate how much time you’ll need to pay it back.

Normally, the duration of auto title loans in Kansas is 30 days. Remember that a larger amount will require a longer term in most cases.

If you want to get a rough estimate of how much you can get from your loans, make a rough estimate of their worth.

You can also go online to see scorecards that car title loans companies in Lenexa use for determining a car’s value.

Step 2 — Do Your Research

When considering whether to get title loans, you must do market research first. 

During this step, pay particular attention to the specific requirements each lender is asking for. While there are common requirements, some may require certain documents that other lenders do not.

Finding out at this stage in the process will let you know what documents you need to procure. It’s also beneficial to look through customer feedback so you can select a reputable provider.

Step 3 — Check for the Lender’s Certification

The most important rule you need to remember before choosing among the title loans near you is to inspect the lender’s certification!

Make sure to verify the authenticity of the lender’s license and that they’re licensed in Lenexa, Kansas.

Without a valid license, those lenders are prohibited from giving you a car title loan. You can verify their license with the Kansas Office of the State Bank Commissioner.

Reputable providers all have certified documents that are easily accessible on their websites.

AVOID any lender that does not have any certification because they will not provide you with any legal guarantees or protection.

Step 4 — Send Your Application

When you’ve selected a provider, you can send a request or fill in the application form.

Many companies allow clients to apply online by filling in the application form on their sites and sending your documents.

You’ll need to fill out the following details in the application form:

  • Name
  • Age
  • Address
  • ID
  • Social security number
  • Vehicle ID, model
  • Year the car was manufactured
  • Car title (NOTE: It has to be under your name)

Some lenders will also ask for pictures of your automobile. In certain cases, they may also request the opinion of an automobile expert.

Step 5 — Make Sure to Fill in All Requirements.

You can effortlessly secure a loan directly from your lenders in exchange for your automobile title as long as you’re an adult resident of Lenexa who owns an automobile with a clear title.

Basic Requirements for Approval in Lenexa

  1. Proof that you are older than 18.
  2. You have no running credits.
  3. The title is in your name.
  4. You have a valid government-issued ID.
  5. The car is in safe working condition.

To prevent unnecessary delays and help you get your cash advance as quickly as possible, ensure that you’ve properly filled in the form and provided all the required documents.

Some lenders will require you to personally go to their store or office before approving your loan. They will also physically check your car.

What Requirements Do I Need to Get a Car Title Loan Approval in Lenexa, KS?

For instant approval, make sure to keep the following documents ready:

  1. Proof that you are a person that’s 18 years old or ABOVE
  2. Proof of residence (NOTE: Only Lenexa residents can obtain a title loan in Lenexa, Kansas)
  3. Your car (lenders will need it for inspection purposes)
  4. Any valid state-issued proof of identity (driver’s license, passport, etc.).
  5. Social security number

Extra Requirements

Depending on the lender and the amount of money you’re borrowing, some lenders may require you to submit additional documents.

It pays to have them by your side to avoid any conflicts.

  1. Car registration papers under your name
  2. Car photos (4 pictures; one for each side) 
  3. Two or more personal references: personal, professional, or both who can vouch for you.
  4. Loan history (if they’re conducting a credit check).
  5. Bank account details 
  6. ANY proof of income (payslip, online banking payroll credits, bank account statements, etc.)

Step 6 — Sign the Contract

If you’re lucky enough to get approved, congratulations! The only thing left is for you to receive your contract and sign it.

Don’t forget to double-check the contract BEFORE signing anything.

Don’t be in a rush to put your signature on the paper. Read everything carefully to verify that the information is correct.

Once you’re done reviewing your details, SIGN IT!

In this step, some lenders may ask for more details from you, such as:

  • Referrals
  • Proof that you earn your own money
  • Photos of the automobile
  • Credit details for a credit check

In general, some lenders can (and usually will) require additional documents if you’re taking out a lot of cash.

If the size of a loan does not exceed $500, any additional verification may be unnecessary.

How to Make Sure You Get An Approval in Lenexa

We all know how difficult and nerve-wracking it is to get bank loans. It can be time-consuming and tedious. Plus, they require so many requirements!

It’s a good thing car title loans are here.

With a nearly instant procedure, you can get a loan without less hassle and worry.

The lender will calculate the loan amount and typically issue your money check on the same day. Just remember that you need to pay off the title pawn within the time limit set by them.

Nearly all Kansas residents have had their cash loans approved. Just provide them with all the requisite documents like identity proof, income proof, driver’s license, etc.

You also need to assure your lender that your vehicle is up and running because all loan amounts will be based on your vehicle’s value.

While most lenders choose to perform a manual inspection of the vehicle, some lenders may also ask for pictures.

How Much Time Will It Take to Approve My Online Title Loans Application in Lenexa, Kansas?

Getting a loan now is easier than ever!

With an online process, you can get the cash without waiting in long lines to get your loan approved. With an instant click, any resident only needs to submit documents that you already have.

And if you prefer to apply manually, you can do that too.

Most title loans get approved quickly, with many guaranteeing same-day approval.

The best and fastest way to most loan amounts is to apply online, though a larger amount may require additional time or verification.

Many online title loan providers in Lenexa offer quick applications that only take minutes to fill in! Indeed, you’ll get your highly awaited loan amount in no time!

Am I Allowed to Apply for More than One Title Loan in Lenexa?

Unfortunately, you can’t apply for multiple title loans for the same car at any given time. Remember what we said about requiring a clear title?

An auto title loan will be a lien on your title, which means you won’t have a clear title if you have a pending/unpaid title loan.

However, once you’ve paid back the first loan amount to the lender, you can opt for another car title loan on the same car.

So remember that you’re only allowed to apply for and maintain one auto title car loan at any given time.

If you need extra funds, you can apply for multiple car loans on different cars you own. But again, it’s just one loan to one car.

We don’t recommend this, though. Having multiple title loans in Lenexa can become a huge financial burden because most title loans carry high interest.

If you’re unable to comply with the loan terms or pay everything back on time, you risk paying exorbitant fees or even losing your car! 

Are There Hidden Fees With Title Loans?

If you’re transacting with a legitimate lender, there should be no additional or hidden fees that are not stated in the loan contract.

The Lenexa Title Loan Act forbids all lenders from taking undue advantage of their clients. Part of this protection is the prohibition on charging extra interest over what is allowed by law.

Both the loan lender and borrower must sign a written agreement before resuming the lending activities.

You MUST read and understand the agreement well before signing it.

To avoid any surprises, you MUST read ALL the terms in the agreement. Here, you’ll find:

  • The total amount of money you’re borrowing
  • Interest rate, credit history, etc.
  • Fees (i.e., for any late payments)

If you feel that you’re being charged extra fees that aren’t part of your agreement, you can always bring the lenders to court.

When Will My Application Be Rejected?

Low Vehicle Value

If the vehicle’s value is insufficient for securing your collateral loan, some lenders in Lenexa may reject your application.

In this case, it’s best to consider other alternatives for getting a loan.

Incorrect Documents

We cannot emphasize the importance of accurately and faithfully submission the necessary information and documents lenders require.

You might have to bid your title loan dreams goodbye if you deliver forged/incorrect documents to your lender.

Insufficient Equity

If your vehicle title lacks equity, you will likely be disqualified from getting the title loan.

Some title loan lenders may be more relaxed with this requirement, but you have to strive to increase your vehicle’s value if you want to borrow more money.

How Can I Repay My Title Loan in Lenexa?

All loan lenders and auto title loan providers in Lenexa accept the following modes of payment:  

  • Cash
  • Money orders
  • Wire transfers
  • Cashier’s checks
  • Online payments


You may have the loan money on your hands, but that doesn’t mean you’re off the hook. Make sure to pay your title loans on time.

If you’re going for a single-payment auto title loan, lenders will most likely ask you to repay the loan amount within or after 1 month (30 days).

Some lenders in Lenexa will give you a longer borrowing period or even allow monthly installment payments.

So, why wait? Apply for a title loan today!

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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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