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Home > Ohio > Lima

Title Loans in Lima , Ohio

How much cash can i get

Find out now. It's fast, secure & free!

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Location Information:

(888)-700-8900
MC representative

Address

2311 Elida Rd
Lima
Ohio   45805

Working hours

Mon - Fri: 9am - 7pm

Saturday: 10am - 5pm

Sunday: Closed

Product

Title Loans up to $50,000

Reviews

Montana Capital Car Title Loans Reviews

With their title lending service, this crew really came through for the day. My unforeseen costs were accommodated with compassion and a workable solution. They went above and beyond in terms of customer service.
Amanda B.
Amanda B.
1708082018
Montana Capital Car Title Loans provided exceptional service with their installment loans in Lima, offering competitive rates and flexible repayment options. Their efficient process & friendly staff made it easy to secure the funds I... needed, making them my top choice for installment loans in the area.read more
Alanna M.
Alanna M.
1707806205
Montana Capital Car Title Loans provided exceptional service with their installment loans in Lima, offering competitive rates and flexible repayment options. Their efficient process and friendly staff made it easy to secure the funds I... needed, making them my top choice for installment loans in the area.read more
Alanna M.
Alanna M.
1707112090
Securing personal title loans in Lima was a surprisingly smooth process with this lending company. The team was responsive and guided me through the entire application, making it hassle-free. The terms were fair, and I appreciated the... flexibility they offered.read more
Lindsey N.
Lindsey N.
1701955110
I had an unexpected car repair emergency, and Montana Capital Car Title Loans came through with a hassle-free installment loan in Lima. Their quick and friendly service not only helped me fix my car but made the whole process surprisingly... stress-free – definitely recommend for anyone needing a financial boost!read more
Amidou T.
Amidou T.
1701772772
When confronted with unexpected financial obstacles, I reached out to this company for a personal title loan in Lima. Their prompt and expert assistance played a crucial role in handling my unforeseen expenses, providing a seamless... solution to the financial challenge.read more
Antonia M.
Antonia M.
1700916797
When faced with unforeseen financial hurdles, I turned to this company for a personal title loan in Lima. Their swift and professional assistance proved invaluable in addressing my unexpected expenses, allowing me to manage the financial... challenge with ease. Really impressive! Thanks a lot Montana Capital Car Title Loans!!read more
Donald O. L.
Donald O. L.
1699420341
Having a less-than-ideal credit score can make securing a loan challenging. However, this loan company specializes in bad credit car title loans in Lima, and they truly came through for me. Despite my credit history, they evaluated the... value of my car and offered a loan that allowed me to address my financial needs. Thank you!read more
Donald H. P.
Donald H. P.
1699093191
Up until I discovered this loan organization, title loans in my neighborhood seemed to be difficult to come by. They were not only nearby, but their interest rate was also significantly less than what I had anticipated. In addition, their... staff was really kind and patient all through the procedure. Thumbs up twice! Thanks!!!read more
Afonso M.
Afonso M.
1698730067
Having a less-than-ideal credit score can make securing a loan challenging. However, this loan company specializes in bad credit car title loans, and they truly came through for me. Despite my credit history, they evaluated the value of my... car and offered a loan that allowed me to address my financial needs. Thank you!read more
Evelyn O.
Evelyn O.
1696237873
Life can throw unexpected expenses your way, and that's when I decided to get a personal title loan from this company. Their professionalism and quick service helped me tackle the financial challenge effectively.
Travis W.
Travis W.
1696079465
Title loans in my area seemed hard to come by, until I found this loan company. Not only were they close by, but their interest rate was way lower than what I expected. Plus, their team was incredibly kind and patient during the entire... process. Two thumbs up! Thanks!read more
Myra W.
Myra W.
1695991973
I needed a loan, and I found the solution with loans auto title services from this company. They provided a fair deal and helped me get back on my feet financially.
Marie P.
Marie P.
1694686649
I am immensely grateful to the staff at this loan company for their invaluable assistance. Throughout the process of obtaining a title loan online, they provided unwavering support and guidance. Their expertise ensured a seamless... experience, and I was thoroughly impressed by their efficiency in handling all the necessary paperwork.read more
Cora D.
Cora D.
1692350135
I needed a substantial car title loan amount, and this company delivered exactly what I required. Their fair evaluation of my vehicle's value allowed me to secure the funds I needed for my business.
Alexandra B.
Alexandra B.
1690459232
I was hesitant about pawning my car title until I found this loan company. Their reputation as trustworthy pawn shops that take car titles put my mind at ease.
Cindy G.
Cindy G.
1689678383
When I searched for title loan lenders, this loan company stood out for their exceptional service and competitive rates. They made the borrowing process stress-free and efficient.
Pauline S.
Pauline S.
1685085639
I was able to simply compute my FICO score because to this loan calculator's excellent user interface. It is unquestionably something I would advise anyone seeking for a trustworthy loan calculator to use.
Toni H.
Toni H.
1679976460
The customer service at this loan company was fantastic. They were very helpful and informative, and they made the process of getting a car title loan very easy.Thanks!!!
June B.
June B.
1676626843
I am very pleased with the loan terms offered by this company. They were very fair and reasonable, and I got the loan I needed on time.
Judy M.
Judy M.
1672745537
I am extremely happy with the quick cash loan that I received from this company. The process was very fastand easy, and I received the money I needed in no time at all.
Marc-André R.
Marc-André R.
1671622283
I was really struggling to make ends meet after my car broke down and I had to take out a title loan. I was really worried about the interest rates and repayment terms, but the loan company was really helpful and understanding. They worked... with me to create a repayment plan that I could afford, and I'm really grateful for their help.read more
Leah W.
Leah W.
1670655437
I was searching for lenders who could provide me a loan in exchange for my vehicle title because I didn't qualify for typical personal loans due to my low credit. I was able to qualify for a loan after submitting an application with this... lender and received a respectable loan amount for my car's title.read more
Judith T.
Judith T.
1667307878
When I came across this firm and filed for a vehicle title loan to borrow money against my car, I had practically run out of options and was in dire need of some financial assistance. The business helped me a lot in obtaining the money I... required. Without any effort, I was able to get my loan. I'll be promoting this business to anyone who might be in need of quick cash!read more
Sylvia A.
Sylvia A.
1667202329
My car title loan was processed and ready for pick up the same day. My approved car title loan was higher than the online KBB value my car that I had seen online. This was a key factor in my decision to choose this lender.
Susan D.
Susan D.
1663493422
I am a single mom, I work full time and go to school full time. I was in desperate need of extra cash, so I decided to get a loan. But there wasn't any company that had good reviews or a loan that was affordable or easy. Then I found these... guys! They were willing to help me out. They responded to me in less than 10 minutes, approved me for the loan and sent the money directly to my bank account.read more
Nellie C.
Nellie C.
1663392913
I had a great experience with this loan company. They were able to give me a loan without having my vehicle present. This was a huge help for me and I was able to get the money I needed quickly and easily. Thank you for your help!
Russell G.
Russell G.
1659357690
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3 Easy Steps to Get a Car Title Loan in Lima

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01

Apply now

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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02

Get approved

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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03

Get your cash!

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?
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

Products

Car Title Loans

Online Title Loans

Bad Credit Loans

Payday Loans

Personal Loans

Requirements

Identification

The vehicle’s title

Personal details

References

Ability-to-repay

Benefits

Get up to $50,000

Fast, secure & free quote

Online process 24/7

Bad credit – OK

Keep driving your car

Process

  • Apply online or call us
  • Get approved
  • Visit GPS Installation Centers if needed
  • Get the cash loan
  • Keep driving your vehicle

Title Loans for Lima Residents: Fast Cash Solutions

Lima, Ohio, is a city full of attractions like bird walks, butterfly walks, Faurot Opera House, etc. And when you live in a city like this, it’s hard to resist going out once in a while.

But with a high poverty rate of 22%, it gets hard for some people to afford an outing and enjoy it with their friends and family. For such people, an online title loan can be a feasible solution to obtaining quick cash.

What are They? 

Title loans provide a convenient solution for obtaining emergency funds, even if your credit isn’t perfect. With no upper loan amount limit, your loan amount is based on your equity and monthly income. Plus, you can secure approval and the loan amount on the same day if you sign the agreement by 2 PM.

Are Interest Rates on Title Loans in Lima, OH Too High?

While lenders in some US states charge a very high 300% interest each year, that’s not how it works in Lima, OH. The Department of Commerce has made a rule that the highest yearly interest rate can only be 28%.

Interest Rate28%
Loan AmountNo Limit
Loan Duration180 Days
Loan Fee2% if the loan amount exceeds $500

How Easy Is It to Get a Title Loan?

Getting a title loan in Lima, OH is pretty easy and straightforward. Since most lenders are available online, you can apply from your home, office, or anywhere you like. All you need to do is find a reputable loan company and proceed with an easy 3 steps online process:

  1. Fill Application Form
    The very first step is filling out an easy online form and providing some basic details to the lender. Rest assured, the process will be quick and won’t take more than 5-10 minutes to complete.
  2. Get Approved
    Once you submit the online application form, lenders thoroughly review it. After evaluating your profile, the loan amount, interest rate, monthly finance charge, and other loan terms and conditions will be determined.
  3. Receive Funds
    During the last step, you will be presented with a loan agreement with a clear mention of loan terms and conditions. If you choose to agree with all terms and sign the loan agreement, you may receive the funds within the same day.

What Are the Car Title Loan Requirements?

Common car title loan requirements might include:

Ownership and a Clear Title

The borrower needs to be the legal owner of the vehicle and have a clear, lien-free title, meaning there are no outstanding loans or debts associated with the car.

Identification

The borrower usually needs to provide valid identification, such as a driver’s license or government-issued ID.

Proof of Income

Lenders often require evidence of a regular source of income to ensure the borrower’s ability to repay the loan.

Age and Residency

Borrowers typically need to be of legal age and reside in the state where the loan is being obtained.

Insurance

Some lenders might want you to have both comprehensive and collision insurance for your vehicle.

Note: These are just some common requirements, and they can vary. It’s important to understand the specific requirements of the lender you’re dealing with before proceeding with a car title loan.

Are Auto Title Loans Based on Credit?

Unlike traditional personal loans from a bank or credit union, auto title loans are not mainly based on your credit score. While a credit check would be performed from the lender’s end, it won’t have much influence on your loan approval. Instead of your credit, title loans are solely based on two major factors:

  1. Car’s Value
    The value of your car is a major factor in the auto title loan process. Lenders assess the value of your vehicle, usually through an inspection or evaluation process. This value determines the maximum amount of money you can borrow against your car’s title.
  2. Ability to Repay the Loan
    Lenders want to ensure that you can comfortably repay the loan without putting yourself in debt. They will look at your income to gauge your ability to make the loan payments. This assessment is crucial to both you and the lender to prevent any undue financial stress.

How do I Get My Car’s Title Back?

You should check if your lender is part of the Electronic Lien and Title Program. As of now, joining this program is not mandatory for title loan lenders in Ohio state. Participating lenders will electronically remove the lien from BMV records, while non-participating lenders will send you a paper title with the lien marked as free.

You can apply for a paper title at the County Clerk of Courts Title Office, or for faster service, visit a title office in person with your ID. In states where lenders retain titles, they’ll send a lien release after loan repayment; visit the DMV for an updated title.

Alternatives to Ohio Title Loans

If you don’t have a vehicle, getting a title loan will not be feasible. But there are a few alternative cash loans that you can use to borrow money for your short-term financial needs.

Payday Loans

Payday loans are short-term unsecured loans that help when you’re low on money before payday. You give the lender a check for the loan plus fees or let them take money from your bank account on payday through ACH authorization. 

Though these loans are quick, they can be costly with high interest fees. They also don’t need good credit, but they can lead to debt if not paid on time.

Payday Alternative Loans

Payday Alternative Loans, or PALs, are better choices than payday loans. They’re provided by some credit unions and are cheaper options. PALs are small loans with a longer time to pay back, around 1 to 6 months. They don’t need great credit and have loan limits to avoid debt. PALs give you quick money with lower costs and are better for your wallet.

Personal Installment Loans

Another alternative to Ohio title loans is personal installment loans. This personal loan lets you borrow a fixed amount of money and pay it back over time in regular installments, usually monthly. 

They can be secured or unsecured. Secured loans require collateral like a car or savings account, while unsecured loans don’t need collateral but might have higher interest rates.


Some Quick US Census Bureau Facts: Lima, OH

Population Estimates, July 1, 202234,977
Households, 2017-2021                                                                            14,156
Persons per household, 2017-2021                                                            2.37
Median household income 2017-2021                    $37,668
Per capita income (2017-2021)    $19,098
Persons in poverty                                                                          24.9%

Source: The Census Bureau’s

Frequently Asked Questions

Can I Get a Title Loan Without a Bank Account?

Do you Need Insurance to Get a Title Loan?

Apply For Lima Title Loans Today!

Ready to access the funds you need? With just basic information, you’re on your way to immediate financial assistance. Whether it’s unexpected expenses or urgent bills, borrowers can obtain funds using their car titles.

Don’t delay; apply now for Montana Capital Title Loans!

Related Locations

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615 W Trenton Ave, Findlay, Ohio 45840
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1445 N Main St,, Marion, Ohio 43302
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Delaware

2475 Hills-Miller Rd, Delaware, Ohio 43015
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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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