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Title Loans in Flint

How much cash can i get

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

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Locations in Flint

4108 Corunna Rd
Flint, Michigan 48532
(810) 484-0592
View the Location page →

3 Easy Steps to Get a Car Title Loan in Flint

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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.

Process

  • Apply online or call us
  • Get approved
  • Get the cash loan
  • Keep driving your vehicle

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

Title Loan Statistics in Flint, MI

$2,073

Average Title Loan in Flint

$4,463

Average Vehicle Value

2

Loans Funded in 2025

46.5%

Average Loan-to-Value

Based on 2 title loans funded in 2025

Most Common Vehicles for Title Loans in Flint, MI

Vehicle Make Avg. Year Avg. Mileage # of Loans
Audi2016124,000 mi1
GMC2009212,000 mi1

Recent Title Loans Funded in Flint, MI

The table below shows actual title loans funded in Flint, MI. Amounts vary based on each vehicle’s make, model, year, and condition.

Year Make Model Miles Funded Amount
2013FordF150182,000$1,890
2013FordFlex210,000$1,890
2010LexusRX 350199,000$4,020
2010JeepGrand Cherokee100,000$2,742
2022FordBronco Sport13,450$12,000
2024LexusRX-Series18,000$8,632
2020JeepGladiator75,000$4,000

Frequently Asked Questions About Title Loans in Flint, MI

How much can I borrow for a title loan in Flint, MI?

Michigan does not permit traditional car title loans where the lender takes the vehicle title as collateral, so the figures below reflect out-of-state lending history and serve as a reference rather than a Flint quote. Funded loans in the Flint-area service history have run from $1,890 to $2,256, averaging about $2,073 on vehicles valued around $4,463 — roughly a 46% loan-to-value ratio. Under the Michigan Regulatory Loan Act, any vehicle-secured installment loan marketed to a Flint borrower must come from a DIFS-licensed lender and must keep interest at or below Michigan’s 25% criminal usury ceiling in MCL 438.41. Ask the lender for their DIFS license number and the full APR, payment schedule, and total cost in writing before you agree to anything.

How much can I borrow on an Audi A4 in Flint, MI?

In Montana Capital’s funded loan history, a 2014 Ram 1500 with 164,328 miles closed at $3,145, offering a reference point for a high-mileage truck in the Flint market. An Audi A4 is appraised on year, mileage, mechanical condition, and a clear title. The local historical loan-to-value ratio has been near 46% of appraised value, so an A4 appraised around $8,000 could, in a state where title loans are legal, support a loan in the high $3,000s. Michigan currently prohibits title surrender as collateral, so any Flint quote would need to come from a DIFS-licensed installment lender working within the 25% criminal usury cap. Request a written appraisal and the lender’s license information before moving forward.

What happens if I miss a payment on a vehicle-secured loan in Flint, MI?

Michigan does not allow traditional title lending, so this describes a licensed vehicle-secured installment loan issued under the Michigan Regulatory Loan Act. A missed payment normally brings a phone call and a written notice from the servicer, with interest and late fees accruing. Michigan’s criminal usury cap under MCL 438.41 limits interest to 25% per year. If the loan stays in default, the lender may seek repossession of the vehicle through its recorded lien, using a licensed recovery agent and following state notice and right-to-redeem rules. After repossession and sale, the proceeds reduce your balance; any shortfall may remain as a deficiency. The Michigan Department of Insurance and Financial Services accepts borrower complaints at michigan.gov/difs.

How do vehicle-secured loans in Flint compare with credit unions and other alternatives?

With Michigan prohibiting traditional title lending, the real comparison in Flint is between a licensed vehicle-secured installment loan and lower-cost alternatives. A local credit union is often the cheaper path — many Genesee County credit unions offer a Payday Alternative Loan or a small personal loan with rates well below Michigan’s 25% usury ceiling. An unsecured personal loan from a bank or online lender suits borrowers with fair credit and keeps your title out of the transaction. Borrowing from family with a written repayment agreement removes interest entirely. Given Flint’s median household income near $37,646 and unemployment around 14.8%, monthly affordability carries real weight. Reach for a secured installment loan only after the credit-union and family options have been priced and the lender has shown a valid DIFS license.

How long does it take to get a vehicle-secured loan in Flint, MI?

Timing depends on appraisal time, document review, and your bank’s ACH cutoff. A realistic sequence with a DIFS-licensed installment lender in Flint begins with a written application, followed by document upload — ID, proof of residence, proof of income, and a clear, lien-free title. The vehicle is then inspected in person, and the lender runs an ability-to-repay review. If everything matches, a written offer follows, with the APR, payment schedule, and total finance charge disclosed under the Michigan Regulatory Loan Act. Funds move by ACH or check once the contract is signed. Same-day funding is possible when documents are complete and the appraisal is straightforward, but it is never promised. Any lender guaranteeing an outcome before inspection is not operating to Michigan standards.

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