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Title loans in Louisa

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

Title loans in Louisa

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


Davis Body Shop

17517 Louisa Rd


23093 Virginia

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 Louisa, Virginia

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.

 Louisa 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.

Third, the interest rates for title loans are relatively lower. The average monthly interest of title loans is 25%, while the average annual percentage rate (APR) goes for about 300%.

Of course, this is exclusive of other charges or fees, like processing, document, and origination fees. That’s on top of any add-ons (i.e., roadside service) that the terms may require.

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 Louisa, Virginia

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 Virginia 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 Louisa use for determining a car’s value.

Then, reduce it by about 10 -20% to get what an auto title loans company in Louisa might offer as a quote on your vehicle.

Step 2 — Do Your Research

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

You can google using the keywords “best title loans in Louisa of Virginia near me” to check what corresponds to your particular needs.

Many of them offer a cash advance process online.

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 Louisa, Virginia.

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

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.

Remember that if the lender has multiple offices in Louisa, they must have a separate license for each location.

You should be able to easily find this information. And if you can’t, that’s usually a suspicious sign.

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 Louisa who owns an automobile with a clear title.

Basic Requirements for Approval in Louisa

  • Proof that you are older than 18.
  • You have no running credits.
  • The title is in your name.
  • You have a valid government-issued ID.
  • 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 Louisa, VA?

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

  • Proof that you are a person that’s 18 years old or ABOVE
  • Proof of residence (NOTE: Only Louisa residents can obtain a title loan in Louisa, Virginia)
  • Your car (lenders will need it for inspection purposes)
  • Any valid state-issued proof of identity (driver’s license, passport, etc.).
  • 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.

  • Car registration papers under your name
  • Car photos (4 pictures; one for each side) 
  • Two or more personal references: personal, professional, or both who can vouch for you.
  • Loan history (if they’re conducting a credit check).
  • Bank account details 
  • 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 Louisa

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 Virginia 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 Louisa, Virginia?

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 Louisa 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 Louisa?

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 Louisa 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 Louisa 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 Louisa 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.

Adding new parts to your car or taking it to the repair shop should be enough to improve the equity value.

How Much Will it Take to Get a Title Loan?

Louisa title loans are an easy way to get instant money, but they can be expensive due to their high interest rates.

However, the law imposes limits on how much interest direct lenders can charge. Interest rates of Louisa car title loans are capped at 30%, payable in 30 days.

Here’s a breakdown of how title loans work:

  • 30% for a maximum of $2000
  • Additional 24% interest rate if the loan amount exceeds $3000.

The following are prohibited under the laws of Louisa, Virginia:

  • Sale of insurance from clients while giving title loans.
  • Charging a penalty
  • Refusal of any partial payment offered by their clients.

How to Improve the Value of My Vehicle to Secure Auto Title Loans

  • Check that the electrical components of your car are in working condition. [R]
  • Check the radio, aircon [R], and all the other components of your car’s dashboard. Are there any glitches? Take your vehicle to an approved automobile mechanic or repair shop.
  • Clean your car [R] by washing it before turning it over to the lending company. You’d want to make your car nice, tidy, and presentable.
  • Survey your tires to see that they are well gauged. The last thing you want is flat tires and rims that are in poor condition.
  • Take your car for a quick spin. This will serve as the “test drive”.

How Can I Repay My Title Loan in Louisa?

All loan lenders and auto title loan providers in Louisa 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 Louisa will give you a longer borrowing period or even allow monthly installment payments.

Update your payments regularly! If not, the lender can repossess your vehicle then sell it to recover your loan.

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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