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Home > Indiana > Muncie

Title Loans in Muncie , Indiana

How much cash can i get

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

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Location Information:



602 W McGalliard Rd
Indiana   47303

Working hours

Mon - Fri: 9am - 7pm

Saturday: 10am - 5pm

Sunday: Closed


Title Loans up to $20,000

Apply Online

3 Easy Steps to Get a Car Title Loan in Muncie


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!


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 $20,000.


Get your cash!

Have your money sent directly to your bank, debit card or pick up your money at any MoneyGram location near you.

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


Car Title Loans

Online Title Loans

Bad Credit Loans

Payday Loans

Personal Loans



The vehicle’s title

Personal details




Get up to $20,000

Fast, secure & free quote

Online process 24/7

Bad credit – OK

Keep driving your car


  • Apply online or call us
  • Get approved
  • Visit GPS Installation Centers if needed
  • Get the cash loan
  • Keep driving your vehicle

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?


  • 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.


  • 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.


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!

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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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