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Title loans in Medford

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Mon - Fri:

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10am - 4pm


LA Automotive

125 N Holly St


97501 Oregon

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GPS Installation Centers

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

Start your loan process at this GPS Center

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Montana Capital Car Title Loans 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.

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Great customer service

No other financier will give you better customer service, and many of them won’t give you the time of day.

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Loans for low credit score

Montana Capital has a reputation for working with customers with all sorts of credit score.

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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.

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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.

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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!

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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 Medford, Oregon

We’ve all found ourselves in situations where we’re struggling financially.

Sometimes circumstances beyond your control can bring you through hard times. If you’re strapped for cash, then a car title loan may be your saving grace.

If you need to learn more about car title loans and how to apply for them in Medford, Oregon, then you’re in the right place!

After reading this article, you should have no problem understanding title loans and the application process.

What EXACTLY Is a Title Loan?

Car title loans, auto title loans, or title loans use your vehicle’s title as collateral. It’s a great way to get money quickly, as they have a pretty quick process in Medford.

You don’t have to surrender your car because your lender just needs the title. So you’ll still be able to drive it while you have the loan.

Title loans typically DO NOT have pre-payment penalties, though there is no guarantee that all companies follow the standard.

Why Would I Ever NEED a Title Loan?

Same with any loan, you’d need cash during emergencies.

In the case that your savings aren’t enough to handle a medical emergency, family emergency, or any other type of emergency, then you may want to borrow money.

Title loans are a great way to borrow money and pay it back slowly, unlike with a payday loan where you’d have to pay it back during your next payday.

Usually, you wouldn’t get a loan to catch up on bills, though it can definitely be a reason. Though the reason you get one shouldn’t cause a huge problem with your application.

We suggest you weigh the pros and cons of getting an auto title loan before jumping on the boat.

If you apply for a regular bank loan, the process may take some time. Car title loans are usually much FASTER to process.

In addition, it’s a good second option in case you were already rejected from a bank.

What Is the Application Process for a Car Title Loan in Medford, Oregon

Applying for title loans in Medford is not a difficult process. Here are the steps on how to apply for title loans and get money immediately!

  • Get Your Quote

Find your loan company, and fill out their form online. They will normally ask for the make and model of your car, as well as the year it was manufactured and mileage.

After that, fill in your PERSONAL DETAILS, including your name, phone number, and zip code. They should give you a call soon.

  • Wait for Their Call

Make sure you prepare any questions you may have regarding the money lending process. Ask them when they call you, so you know what you’re getting into.

During this call, they should set up your appointment to visit their office. Some companies may perform their credit checks at this stage or when you visit their office.

  • Make an Appointment to Visit Their Location

When you visit their office, make sure you prepare the proper documents.

  • The car title (no copies): Although they require your original title, we recommend you keep a photocopy for yourself.
  • The car: They will have to check your car for quality and any damages, so they determine the value it holds.
  • Your photo identification: A driver’s license will do this. You can even use your passport or any other government-issued idea.
  • Proof of address in Medford: This is to prove that you are a resident of Medford.
  • Pay stubs or bank statements for the past two months: This will help the lender determine your ability to pay back the loan.

If you are currently unemployed but can STILL manage to generate regular income such as child support, pension, or unemployment insurance, they may still consider your case.

If you don’t live in Medford, we suggest you look for information about applying for title loans in your state.

  • Get Your Money

After getting approval for your loan, you should be able to get your money!

Remember to ALWAYS pay on time so that what you owe doesn’t pile up. Remember, this is BORROWED money.


Still have questions about Medford title loans? Here are the answers to some frequently asked questions!

Are Auto Title Loans Legal in Medford, Oregon?

Auto title loans are perfectly legal for residents of Medford, OR. Do be mindful of what state you’re from because title loans are not legal everywhere.

So don’t worry too much! The law protects you and the lender. Just follow the rules, and you should be safe.

Borrowers have to be legal residents of Medford, own a car title, and be at least 18 years of age.

Can Title Loan Companies Take My Vehicle?

As long as you make regular payments, a reputable company won’t take your vehicle. This will only happen if you miss a payment.

Some companies in Medford are nice, so it’s possible to come to a compromise for your car title loans. They usually have some flexible payment terms, so be sure to ask.

Can I Apply With Bad Credit?

Bad credit isn’t always a hindrance when applying for title loans. But it’s important to note that lenders MAY perform a credit check. 

They can also reject your application for many reasons, and one of those might be your credit score.

Furthermore, those with better scores may get better loan amounts and interest rates.

What’s important is your ability to pay back the loan. And if they deem that you cannot, then they are likely to reject your application.

Are Title Loans a Good Idea in Medford, Oregon?

Auto title loans are a quick and effective way to gain control of your life. If you need cash for any unforeseen circumstances, it may be a good idea to get a loan.

While the interest rates can be pretty high, it’s easier to apply to than a bank loan. The process is also quicker, so if you need cash quickly, you could benefit from this.

They are completely legal in Medford, Oregon, so at least you’re protected with laws.

What Amount of Money Can I Get for Title Loan in Medford?

The loan amount you can get is solely based on the value of your car. You can usually get around 25% to 50% of the value of your vehicle.

Though many title loan places in Medford set a limit of what you can borrow, we’ve seen the max limit be as low as $5,000 in Medford.

How Many Title Loans Am I Allowed to Have?

You can get as many title loans in Oregon as possible, though you will need to provide a different title per loan. You CAN’T apply for more than one title loan per vehicle.

For example, you’d need to own 5 cars to have 5 title loans.

Final Thoughts

Applying for title loans can be scary. Many people warn you AGAINST it.

But as long as you know what you’re getting into, you find a good company, and you make your regular payments, you should be fine. Money is important, and it’s important to be responsible for it.

Remember to always stay away from loan sharks, check yelp for reviews on these companies, and hold up your end of the deal. 

While credit checks are not always done, do not be surprised if a lender checks yours.

Hopefully, you got to learn more about car title loans from this article and that you now know what to do to apply!

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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