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Title loans in Miami, FL

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Mon - Fri:

9am - 7pm
10am - 4pm


Miami Car Accessories and Tint LLC

2040 NW 22nd Ave


33142 FL

Services available

Service type

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

How it works


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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 Miami, Florida

Having trouble with your standard bank loan application? Worried you won’t be able to receive the emergency cash you need on time?

You’ve come to the right place.

Applying for a car title loan in Miami, Florida is a sound option to borrow money and secure your loan.

To help you get started, we’ve compiled a list of requirements to help you on your way! Additionally, we’ll share some tips on how to apply for title loans in Miami!

Requirements Needed to Apply for Title Loans in Miami, Florida

Residents of Miami, Florida will need the following requirements when applying for car title loans:

  • Proof of Income (bank statement, checking account statement, etc.)
  • Proof of Residency (Utility bills/payments, mortgage or lease statement, etc.)
  • Valid Government ID
  • Clean Vehicle Title
  • Vehicle photos (This will typically include your vehicle’s VIN, odometer, and photos of all 4 sides)
  • 2 references

Also, some lenders will require financial documents to determine the loan terms and amount of cash you’re eligible to borrow.

How Do Auto Title Loans in Miami Work?

Title loans are a short-term, secure loan that works by using your vehicle as collateral value for the loan.

Once you’ve applied for a loan, your lender will perform an inspection of your car. Once approved, this determines the loan amounts you can receive.

Auto title loans are also referred to as car title or pink slip loans.

A clean vehicle title that states you are the owner of the vehicle is a primary requirement; however, your credit score and income have a role to play (more on this later).

Are Title Loans for You?

Before applying for a title loan in Miami, let’s discuss the benefits and risks of applying for auto title loans.


Easier Qualification Process

Applying for auto title loans is easier than your standard bank loan.

There’s no need to wait for weeks or months just to get approved. Even better, the process is more lenient.

Flexible and Less Hassle

Don’t you just hate waiting in line?

Even waiting in line to get coffee can become a stressful part of your day.

This is what makes auto title loans stand out.

Since the qualification process is more lenient, you’ll find several loan options available to you, not to mention, a faster application to borrow the cash you need.

Longer Payment Terms

Although auto title loans are short-term loans, it’s possible to extend your loan repayment terms so you have more time to repay the loan amount borrowed.

Take note!

Extending your payment terms depends on your credit history too. This is a discussion you and your lender will have to work out should it be necessary.


Your Title Loan Needs to Have Sufficient Value

Well of course it does.

If your vehicle doesn’t have sufficient value, how can it be used as collateral in the first place, right?

So here’s the thing.

The loan amount you’re eligible to borrow depends on the value of your vehicle. The better its value, the more cash you can borrow.

Your Application May Be Denied

But wait just a minute. Didn’t you say, “Easier Qualification?”

Yes, we did.

However, easy doesn’t mean a 100% guarantee.

In fact, borrowers may believe credit history and credit score don’t apply when applying for auto title loans.

It does.

If you can’t assure a loan company/business you can make timely payments in a given timeframe, being in their shoes, would you be comfortable lending money? Such is the nature of life.

You Might Lose Your Car

You won’t lose your car right away.

This happens to individuals who make consistently failed payments. If you can’t make monthly payments on time, this may lead to repossession of your car.

Should You Get a Title Loan in Miami?

Don’t let us stop you from applying for car title loans.

If you are in dire need of cash and are a resident of Miami looking for alternative options, car title loans can be an excellent loan option.

Before you apply, be prepared for lenders to ask for certain financial documents and conduct a credit check. [R]

This is a necessary step to give you a better idea of how much money you can borrow from a lender. It’s not as simple as saying you want to borrow X amount of dollars.

3 Steps to Apply for Title Loans in Miami, Florida

Step 1: Send Your Application Online

Apply online using our online form through your desktop computer or smart device.

Step 2: Upload Documents

Submit all the documents needed or requested by your lender:

  • Proof of Residency
  • Vehicle Photos
  • Government-issued ID
  • Clean car title with the owner’s or borrower’s name on it (vehicle registration)
  • Proof of income
  • 2 references

Step 3: Collect Your Cash

After your lender has approved your application, you’ll be able to receive your cash right away!

There are various ways borrowers can collect money, such as:

  • MoneyGram
  • Issued Check
  • Electronic Deposit

Take note each situation is unique. Not all borrowers/residents of Miami will undergo the same process when applying for auto title loans.


Why Was My Auto Title Loan Denied?

There are several reasons why your car title loan in Miami was denied, such as:

  • Insufficient vehicle value
  • Issues with your credit check or history
  • Unstable proof of income
  • Your vehicle title has a lien on it or has no equity [R]

Now, this doesn’t mean you have zero chances of gaining approval from your lender.

It may help to talk to your lender about alternative solutions you can work with.

How Long Is the Repayment Period of a Title Loan?

The repayment period of a title loan is between 1 to 3 years. It’s also possible to customize auto title loans to suit your circumstances.

To set a different repayment period, talk to your lender before proceeding with your application.

Do I Need an Excellent Credit Score When Applying for an Auto Title Loan in Miami?

Not necessarily.

However, a high credit score increases the chances of your title loan approval. Also, you don’t need to be employed to secure a title loan.

What’s more important is having a steady or stable source of income to meet any due payments.

Tips When Applying for Title Loans in Miami, Florida

Read the Fine Print

The devil is in the details.

Don’t just sign and go. Check if there’s any prepayment penalty, interest rates, conditions & rate/s that may affect your interest, title loan terms, and how your interest is calculated.

Determine How Much Your Car Is Worth

This is one way you can use to determine how much cash you can borrow early on.

You’ll need the following information:

  • Mileage
  • Make
  • Model
  • Zipcode
  • Year model

Knowing how much your car is worth will also help determine the collateral of your car.

Let’s say your car is worth $4,000 with $200 pending dues and your lender offers you 25% percentage, then:

(Worth of your car) – (Dues/Fees) x percentage offered by lender = cash you’ll receive

$4,000 – $200 x 25% = $950

Take note, this is just an estimate. This site may be helpful.

Do Proper Research

Not all lenders in Miami will be the best solution for you.

You can’t just apply for a car title loan to any lender in Miami. This is why doing proper research and reading user reviews is a good way to get the best offer on car title loans.

Ask About the Preferred Type of Car

Since car title loans work by using your car as collateral, make sure to ask what type of car your lender prefers.

Some companies in Miami, Florida may not accept cars manufactured before 2000, which is why the make, model, mileage, etc are crucial determinants.

Final Words

Although auto title loans were intended for people with bad credit scores, don’t confuse this with an automatic approval.

Using your car as collateral still has risks, and even though title loans offer an appealing emergency cash fix, it’s only one out of the various options available [R] to you in life.

Then again, if you can afford the payments and interest rate/s associated with title loans, title loans are great short-term options for emergencies.

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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