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Title loans in Muncie

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Mon - Fri:
Saturday:
Sunday:

9am - 7pm
10am - 4pm
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All our loans are processed online. This location provides only GPS services, it does not issue loans

Title loans in Muncie

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.
Cobble
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
4.6

Address

Reckless Car Audio

602 W McGalliard Rd

Muncie

47303 Indiana

Service type

GPS Installation Centers

Start your loan process at this GPS Center

How it works

Advantages

Our main
advantages

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

Benefits

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

Requirements for Car Title Loans in Muncie, IN

We’ve all struggled with sudden financial emergencies before. If you need FAST cash, car title loans let you use your vehicle as collateral for money.

You can find lenders in different locations in Alabama. It’s safe to say that applying for a title loan/title pawn is definitely less hassle than getting a bank loan.

Want to find out how it works? Read on!

Common Uses for Car Title Loans

You’ll never know when an emergency comes your way, and you’ll need a title pawn for quick cash. Nowadays, more and more people turn to title loans.

Here are some of the common uses for a car title loan in Muncie, IN:

  • Medical expenses
  • Taxes owed
  • Car emergencies
  • Rent
  • Home improvements
  • Household purposes
  • Maintenance and repairs
  • Utility bills
  • Education expenses
  • Travel
  • Groceries

Requirements for Muncie, IN Title Loans

How do you get title loans? Just prepare all documents required for cash loans:

Identification Documents

These are the usual requirements when applying for title loans in Muncie. A government-issued ID will verify your identity. 

Provide the company your driver’s license or passport and Social Security number.

Residency Documents

There are states where title loans are not available. You have to prove that you live in Muncie, IN, where they grant a title loan.

Your recent utility bills, cell phone bills, lease agreement, or house deed is what a lender needs to see. This will help VERIFY your identity and address.

Vehicle Documents

Vehicle loans need to prove that you are the rightful owner of the automobile. You have to show that there are no current liens in your title. 

If it has liens, make sure to finish paying the title pawn before getting more loans.

They will ask you to submit your auto title and registration. Your registration shows that your automobile is authorized to be on the road.

Provide valid car insurance to give yourself protection against loss or damage. Provide a lien release document if your car was under a previous owner.

Financial Documents

Even with your car as collateral, you still need to prove you can make monthly payments.  Lenders in Muncie need a week to four weeks’ worth of pay stubs. 

For self-employed borrowers, you have to provide the following:

  • Business financial documents
  • Up to three years worth of tax records
  • Bank statements

 For unemployed borrowers, you can provide your Social Security statements.  For retired borrowers, you can provide your pension, SSA, or retirement account statements.

Character References

References determine your character and ability to repay the title loan. Depending on the title company, they may need two to five references.

Your references should include their name, phone number, and their relationship with you.

They DON’T contact the references you give them unless you default and they are unable to contact you.

Application Process

Applying for a title loan is so CONVENIENT online! You can complete the title loan process in a DAY. Here’s how you do it!

Step 1: Apply ONLINE

Research and compare lending companies in Muncie, IN, that offer a title loan. Find a registered company legally operating within a location in Alabama.

Read the reviews made by people who applied for a title loan in Muncie. It shows the quality of service they received. Check their service, repayment conditions, interest, and other fees.

Once you’ve decided on a lender, find the online form on their website. Submit basic information about yourself and your automobile.

Submit your application to start the process for your loan term. Wait for your service agent in Muncie to contact you.  They will give you instructions for the next step for your auto title loan.

Step 2: Submit All Required Documents

The lender in Muncie will request the documents required for the application.

Although some lenders say they don’t do credit checks, some still do.  The lender performs credit checks depending on the applicant’s status. 

A credit check shows your financial status. It will tell them if you can pay the loan. If you are bankrupt, that will make it harder for you to pay the loan. The result depends on the papers you submit.

Here’s a list of the required documents:

  • A Government-issued identification card
  • Proof of Alabama residence (contract of lease, utility bills)
  • A clear auto title under your name
  • Photos of the car on all 4 sides, odometer, and Vehicle Identification Number
  • Proof of income (payslips or social security benefits)
  • Valid automobile insurance and registration
  • Bank account information where your loan proceeds will go
  • At least two character references

Have complete requirements ready to speed up the process of loans. Make sure all the documents you submit are LEGAL.

Step 3: Read the Fine Print

The most crucial step is reviewing the terms and conditions of the loan. When people need urgent cash, they sometimes skip this step. 

IMPORTANT: DON’T sign the proposal immediately!

Check the loan amounts in the fine print. Is it equal or close to the estimated amount of your car?

Take note and have a copy of the hidden fees, interest rates, the loan term, and penalties. If there is anything vague in the loans, clarify it with your Muncie lender. This is part of their service.

Negotiate the terms of the loan amounts with your agent in Muncie.

Step 4: Receive Your Cash

Congratulations! You’re down to the LAST STEP!

Your lender in Muncie will contact you and confirm the approval of your auto title loan. The agent will now give you instructions on how to claim your cash.

You will have options on the most convenient way to do it. The common method is through direct deposit, cash, or wire transfer.

Advantages and Disadvantages of Title Loans in Muncie?

Advantages:

  • FAST processing: Lenders in Muncie, IN responds to your application the same day you submitted it.
  • A CONVENIENT online form you can accomplish in 5-10 minutes.
  • Immediate cash to help you with your financial emergency.
  • You can continue driving your automobile while paying off your loan. They will have your car’s title until you’ve paid the whole loan, principal plus interest.*

*NOTE: You need to make monthly installments throughout the course of the title pawn.

Disadvantages:

  • Some title loans have late payment fees.
  • High-interest rates
  • The risk of losing your automobile if you regularly miss monthly payments

Frequently Asked Questions

Can I Get an Extension From the Lender?

If you cant pay the lender when the money is due, they can “roll over” the loan.

“Rolling over” the loan means the lender might let you borrow the money for another 30 days. But take note that you are now paying two loans at once:

  • The balance on the old automobile
  • The new car title loan

You will need to pay another monthly fee for this new loan.

If you keep rolling over your loan, you might eventually not be able to pay the lender. This puts your automobile at RISK for repossession.

What Happens If I Can’t Repay the Lender?

If you cant pay the lender, they will take your automobile. This is called REPOSSESSION. You lose ALL the rights to your automobile since they have the title.

When they sell your automobile, the proceeds of the sale will go to them.

It will be hard on your end if you need an automobile for your daily needs. You need a car to go to work, do the grocery shopping, or take the kids to school.

Do I Need a Scheduled Appointment, or Can I Walk-In? 

Title loans in the city of Muncie offer convenience and speed online when it comes to loan processing. There’s NO NEED for drive-ins, appointments, or walk-ins.

Many customers forget or leave certain documents at home. This often delays the loan process.

The majority of clients have their important documents on hand at home or in their office. It’s straightforward to scan and attach these to their online application.

How Many Title Loans Can I Apply For?

You can apply for one title loan only per person. The number of title loans depends on the number of people and the number of cars.

If you have three cars, you can apply for three title loans as long as three qualified individuals are in the house.

But let’s say you only have a single car and two qualified individuals. You have to WAIT to pay off the first auto title loans before you apply.

Can I Get Denied for a Car Title Loan?

Companies in different states advertise that they give you fast money. But NOT EVERYONE gets approved for a car title loan in Muncie, IN.

The truth is you might get denied for a few things:

  • Vehicle Title – Your vehicle must not have any liens at the time you apply for a loan. They’ll deny your application if you have an existing lien.
  • Value of the Vehicle – The most common reason for denial is the value of your vehicle. They check the make, year, and value of your automobile. They will not approve it if it’s not enough for a title loan in Muncie.
  • Bad Credit – Some companies tell you that they can get you approved with poor credit. They still check your credit score to know if you can pay off the loan amount. If you are bankrupt, it’s unlikely that they will approve your loan.
  • Unable to Repay – You must assure lenders that you will be able to repay the money on time. If you do not earn enough money and might not pay on time, they will deny the loan.

Conclusion

Car title loans have become the fastest go-to loan in different states. It’s hassle-free and offers benefits for people who need quick cash.

Don’t forget to READ all documents BEFORE signing them. 

Take note of the loan term, prepayment penalties, and loan amount. Negotiate if possible as this is part of their service at Muncie.

We hope you get the emergency loan you need. Good luck!

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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