Home > Locations > Virginia > Mechanicsville

Title loans in Mechanicsville

Fill in the online form


Call us now

Open hours

Mon - Fri:

9am - 7pm
10am - 4pm

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

Title loans in Mechanicsville

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


Extreme Audio

7451 Sujen CT


23111 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 Mechanicsville, Virginia

No matter how you plan out and prepare for life, there will be things you may have never even imagined coming your way. An emergency might pop up when you least expect it!

So if you find yourself needing some quick cash while living in Mechanicsville, VA, the BEST solution you could be looking for is a car title loan.

Do You Need Cash? Worried About Credit History?

Money is power in most aspects of life.

Emergencies and other dire situations are definitely problematic for those that don’t have the best credit history. Luckily, there can be a way out for you.

Car title loans may be one of the fastest ways to borrow money.

What’s the catch? There’s no need to worry too much about a bad credit check!

With the way title loans work, it’s possible to get approval for your loan even with a bad credit score as long as you own a vehicle title.

The Ins And Outs Of Car Title Loans

These title loans can also be referred to as auto title loans, among other names, depending on a place’s colloquialisms.

A car title loan is a loan service with short terms and a high interest rate— however, note that loan proceeds must be intended for personal, family, or household funds only.

Lenders will not offer title loans as a student loans service.

Lenders are comfortable approving a car title loan because borrowers offer their vehicle or car title up as collateral for the money lent.

With the vehicle serving as a security for the loan, title loans are pretty low-risk to the lender.

This is why a credit check isn’t always a part of the application process but may still be required by lenders simply for their own assurance.

You can use any vehicle option for collateral, depending on the lender. Besides a car, you may apply for title loans with a motorcycle, a recreational vehicle, etc.

The specific state legislature regulates title loans. This means title loans in Mechanicsville, VA, will probably have different specifics from places outside of Virginia.

Getting a Title Loan in Mechanicsville

Your lender can charge a cap on the interest rates and APR for loans in the Mechanicsville area. To avoid getting scammed, you should make sure you’re up to date on title loan regulations.

You can find other pertinent information in the Virginia Consumer Credit Code.

The Loan Process

Aside from doing a bit of research on interest rates in Mechanicsville, you should find a lender that will be able to accommodate the sort of title loan you need.

Mostly, you’ll be able to contact the lender through the phone or online before filling out the application online or heading to their offices to sign the necessary documents.

In fact, you might even find a lender that can process your application remotely. But first contact them to find out the following:

  • Specific requirements.
  • A quote on the loan amounts and loan terms.
  • If you can get pre-approved for the title loan.

 Loan Application Requirements

The next step would be to gather all the documents your lender asked for.

Thankfully, there aren’t too many requirements for a title loan in Mechanicsville, which is why car title loan application approval is quick and easy. In Mechanicsville, you’ll need the following:

  • Vehicle title
  • The title should be lien-free. This means that the title is clean, and you’ve completely paid off the vehicle and own it outright.
  • It would also be best that the title is solely under one name— yours. This makes it easier for lenders to hold you accountable for the title loan.
  • Mechanicsville residents’ ID or other proof of residence
  • Driver’s license or any other government-issued ID

 Depending on the lender, you may also need to provide the following:

  • Proof of income or employment (although you don’t need to be employed to apply)
  • Photos of your car or vehicle
  • Bank account information

 Once the requirements for your title loan are prepared, head on over with your chosen car or vehicle put up as collateral to sign the documents and receive your cash! It will usually go down like this:

  • You will hand over the documents and then go over and fill out the application form. This applies if you haven’t accomplished the online form yet.
  • You’ll discuss and negotiate specific loan terms with the lender. These include the loan amount, interest rate, APR, and payment schemes.
  • Be sure to check if there is a prepayment clause.
  • The lender should show you all these terms finalized in writing before you sign anything.
  • After negotiations, you’ll sign the contract. It should include the names of BOTH the lender and borrower. DON’T FORGET to provide a detailed description of the car or vehicle.
  • Once approved and signed, you’ll be able to receive the loan amount in cash or send it to your chosen bank account. This can be done almost instantaneously, anywhere between 24-48 hours.
  • You may still use your car throughout the loan period, so your lender should not withhold it from you.

 Paying Back Auto Title Loans

When paying back title loans, the loan amount should be paid back as stipulated in the contract. There are typically two common loan payment schemes:

  • A single-payment title loan payment scheme requires paying the total loan amount plus interest back in a lump sum at the end of the loan’s term.
  • An installment title loan payment scheme can be a little more flexible, requiring the borrower to pay back set amounts on certain dates until the end of the loan’s term. Specific details will, of course, depend on what was agreed upon in the contract.

 Here are a few other things to look out for when paying back title loans:

  • A prepayment clause is a part of the loan agreement that says the borrower will be charged a penalty fee for paying the loan back too early.
  • This clause protects the lender from any daily interest rate losses incurred by the early payment.
  • However, if the penalty fee is something you can handle, paying your loans back early can improve your credit score.
  • If you default on your loan, your vehicle will be repossessed by the lender.
  • As the security for the loan, the lender will automatically have the right to repossess and sell the vehicle.
  • You may buy back the vehicle, although it would cost you even more. This is because lenders will improve on the vehicles before selling them to compensate for the amount they weren’t paid back during the loan duration.
  • If you’re unable to pay back your loan on time, loan rollovers can be tempting, but they are not always the best idea.
  • Extending the terms of your loan may prevent you from losing your car, but with equally high interest rates, they can lead to a never-ending cycle of debt.

 Auto Title Loan FAQs

We understand that you may still have uncertainties or point for clarification regarding car title loans.

Don’t worry! This section will enrich your knowledge regarding such loans so you won’t have to do extra research on Google.

Without further ado, let’s answer each question one by one!

1.) Are Title Loans in Virginia Legal?

Title loans in Mechanicsville, VA are illegal. However, like in many other states, there are workarounds for a lenders’ service.

The most important thing would be to make sure you’re dealing with a lender that is licensed by the state to provide this type of service.

2.) Are There Limits on How Much I Can Borrow?

Title loan interest rates, other components of the application, and lender regulations in Mechanicsville are monitored and administered by the local government:

  • In Mechanicsville, title loans are currently open-ended credit, meaning there is no cap on the amount lenders can loan.
  • Usually, a lender is willing to cash out any amount of money from $100-$50,000 in Mechanicsville.

 Basically, the amount of money you can borrow will depend on what you and the lender agree on, while mostly depending on the vehicle’s equity value as collateral.

3.) Realistically, How Easy Is It to Get a Title Loan in Mechanicsville?

In Mechanicsville, Virginia getting a relatively hefty car title loan amount is really simple and quick. Even with bad credit, you can receive cash in time for any sudden emergency! This is because:

  • Unlike other loans, title loans are much easier to qualify for since you AREN’T applying for loans from a bigger financial institution such as a bank or credit union.
  • You don’t even have to be employed, so long as you can provide proof of a source of income.
  • Credit checks— if there are any, are merely done to assure the lenders of your ability to pay back the loan. In reality, they hold little to no bearing for the approval of your vehicle title loan.

 4.) Would It Be Better to Apply for Payday Loans Instead?

Payday loans are similarly short-termed, high interest rate loans that don’t require putting up their vehicle as collateral.

This would make it a good option for those without a vehicle, although you will usually receive much lesser in loan amounts.

In Mechanicsville, you can also opt for different types of cash loans, such as installment loans or personal cash loans instead.

Each type has its own set of pros and cons, so be sure to choose WISELY!


With bad credit scores, a car title loan might be the best way for you to get the cash you need. However, you must be prepared before committing to anything— even something as simple as title loans.

When applying for all kinds of loans, make sure that:

  • There are really no other alternatives available to you.
  • You’re fairly certain you will be able to pay back the loan on time.
  • You’re dealing with a licensed lender.

 If not, you can risk getting scammed or facing penalties such as losing your vehicle, greater debt, and worsening credit scores.

We hope this article answered any questions you may have had about title loans and helped you prepare for any financial situation you may find yourself in!

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