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Title loans in Norfolk

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894 E Little Creek Rd


23518 Virginia

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GPS Installation Centers

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

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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.

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


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

How to Apply for Car Title Loans In Norfolk, VA

Sometimes you might find yourself short on a few tens, hundreds, or even thousands of dollars.

But there’s no need to fret when this happens — it is completely normal. What’s more, there are a lot of ways for you to scrounge up however much you’re short of.

Learn more about how you can apply for a car title loan in Norfolk, VA now!

But First — What Is A Car Title Loan?

True to the nature of title loans, the lender takes in a valid asset as collateral.

In this case, car title loans (otherwise known as auto title loans or pink slip loans) require borrowers to surrender the title to their vehicles as collateral throughout the agreed-upon loan process.

Said collateral ensures that the agreement is upheld between lender and borrower.

Another thing that distinguishes an auto title loan from other types of loans is the lender’s credit criteria. Bad credit doesn’t affect how much a potential consumer qualifies for an approved loan application.

How Exactly Can You Get An Auto Title Loan?

Here’s the first step towards getting a car title loan in Norfolk, VA.

Equip yourself with the basic documents and requirements needed for auto title loans.

This would make the loan processing duration easier and shorter for both you and the lending institution of your choice.

What Are the Required Documents Needed?

Funding time for title loans in Norfolk, VA can all occur within the same business day that borrowers submit their title loan application.

So, without further ado, here are the things you’ll need to have a smooth loan processing experience:

Vehicle & Vehicle Title

Starting from the two most essential things to have when applying for car title loans:

  1. Your very own vehicle
  2. Vehicle title

These two go hand-in-hand.

Having a vehicle of your own automatically grants you the ownership of its title. While having a title for your vehicle ensures that what you have is valid and acceptable property.

Your vehicle title assures your lender that you are providing acceptable property to them as collateral for the actual loan amount they will provide you.

Proof Of Income

Now, as much as having a bad credit score will barely have any major consequences on your application for a title loan, the lender of your choice will still need a background check.

They will require you to demonstrate ability to consistently pay for the full amount.

Your proof of income assures them that you are capable of paying within the set deadline that has been agreed upon by both parties.

This doesn’t necessarily mean that you need a job to apply for a title loan. As long as you can attain and provide proof of your financial stability, you have this particular requirement covered.

Remember that title loans are a type of short-term loan — so not being able to pay the full amount of your loan within the allotted time period to do so will cost you your vehicle.

Having a steady source of income (e,g, retirement pay for retired residents, relatively stable investments for some unemployed residents) will ensure that you will not lose your vehicle at the end of the day.

Government-issued ID

Going through the abovementioned requirements (your vehicle, vehicle title, and proof of income), your lender will ultimately have to validate your identity.

This is to ensure that the documents and additional requirements you have provided are yours.

  1. A government-issued ID will provide your lender with the needed personal information to make sure that the vehicle, vehicle title, and proof of income are yours.
  2. It will most likely provide your lender of choice with your updated contact information in case of any emergency or instance wherein they find the need to contact you.

Here are some examples of valid government-issued IDs:

  • Employee’s ID/Office ID
  • Driver’s License
  • Passport
  • Senior Citizen ID

Note: you have to be a resident of Norfolk, VA, to effectively apply for a title loan in Norfolk. If you live near Norfolk, then there is most likely a local lending company in your area!

What To Do Next

After going through the necessary steps to obtain the abovementioned requirements for a title loan, you might think that the next step would be to apply for the title loan itself already.

Essentially, that is what you do after preparing your requirements.

But a smart move to make before diving right into a title loan with a local lender in Norfolk, VA would be to gather quotes from several lending companies you are interested in.

Consider the following factors first:

  • Do you want to apply online or have an on-site discussion with your chosen lending company?
  • Is the monthly/annual percentage rate relatively reasonable?
  • Will you be able to make the monthly payments?
  • How much cash will you be getting in exchange for your vehicle?
  • What are the specifications of the title loans serviced by a particular lending company?

With that said, our team suggests that you compare the competitive rates and title loan services of Norfolk VA lenders.

Doing so would allow you to see which offer will work best for you.

Pros & Cons

Although your credit company of choice is the one to make the credit decisions for your application for a title loan, your decision to apply for a said title loan is still the catalyst for the whole process.

With that said, here are the factors that you may want to consider before applying for a title loan.

Pro✔️ Accessible

Lending companies all over Norfolk, VA have made their services available on-site and online.

This means that the process of applying for title loans in Norfolk, VA has been made accessible for whoever may be interested.

So, suppose you’re more comfortable with actual paperwork being laid out before you:

  1. You can easily select from the local lending companies in Norfolk, VA.
  2. Choose to go to any of the featured locations of your local Norfolk VA lending company of choice.

If you are more comfortable with seeing all the details and the steps of the process flashed before you on a screen, you can also easily apply online to most, if not all, lending companies that offer title loans.

Con❌ Evaluation Of Car Value

This type of loan requires you to turn in your vehicle as collateral. Naturally, you will also only receive as much as your lending company of choice deems as the value of your car.

This is a good thing if you own a well-maintained classic vehicle and all that.

On the other hand, this may not be as good if you know to yourself that your vehicle is a bit outdated and run-down.

Pro✔️ Within The Same Business Day

Remember how we advised you to prepare as much of the documents and additional requirements for title loans? Well, this particular factor is a huge reason why.

Suppose you have all that they ask for you and can thus present it to your lending company of choice.

There is a big chance that your application for a title loan will go through the process of getting pre-approved (pre-approval) and ultimately be given the final approval by your lending company of choice.

Con❌ Short Term Loan

Title loans can be a good source of emergency cash because of the truthfully associated swift processing duration for those who apply for title loans.

But you have to remember that title loans are a type of short-term loan.

Simply put, you must be able to repay the full amount of the cash that has been given to you by your lending company of choice within the relatively short amount of time that has been agreed upon.

On top of the relatively short amount of time that you’re given to pay for your loan, you must also pay for the agreed-upon interest rate between you and the lending company that you’ve chosen.

Pro✔️ Continue Using Your Vehicle

Since you, the borrower, will only be surrendering the title to your vehicle, you are still very much allowed to use your vehicle throughout the duration of your loan.

What’s more, you don’t have to stay within state limits.

You can venture to towns or states near Norfolk or even further out for as long as you can uphold the agreed-upon Norfolk title loans agreement between you and your lending company of choice.

Con❌ Risk Losing Your Vehicle

Seeing as how your vehicle title and technically your vehicle too are used as collateral for this type of loan, there is a risk of you losing your vehicle.

But that is only when you’re not able to pay for the full loan proceeds within the set deadline.

Pro✔️ No Bank Account Needed

Lastly, you will not need a bank account for this type of loan. This can encourage consumers to avail of the loan.

Compared to other types of traditional bank loans such as payday and personal loans, you can choose your title loans serviced to you via:

  • Check
  • Cash
  • Direct deposit to your account


With most of the basics covered about the what’s and how’s of getting title loans serviced, let’s now talk about some of the remaining questions you may have brewing in your mind.

What Is A Conditional Approval?

Another benefit you’ll get from preparing all the documents and additional requirements before applying is that you’ll get to avoid getting this type of approval.

A conditional approval entails a pending review of your documents and other requirements. You will most likely get this once you’ve already had pre-approval.

The only slight problem with getting this type of approval from your credit union or company is that your application’s approval process will take a bit more time than usual.

Can I Get My Money Once My Application Is Pre-approved?

Say you need the money immediately for household purposes, and your application has already been pre-approved.

You’ll still need to wait for your application to receive ultimate approval for you to get the money.

Don’t worry. As we said, you’ll most likely receive the cash within the same business day as your application!

Why Is My Personal Information Needed?

Through the documents and other requirements you’ll provide your lender of choice, your information will ensure that the property you are turning in as collateral is valid and yours.

What’s The Difference Between Payday Loans and Title Loans?

Although both loans have similarities (high-interest rates), title loans generally give you more time to pay for your loan.

Does the Norfolk VA Loan Limit Apply To Title Loans In Norfolk VA?

Yes. Considering how minimum loan amounts vary by state, institutions within the same state need to follow the set minimum loan limit to ensure a balance in the U.S. economy.

Last Reminders

With all that said, you are now equipped with the knowledge needed by any individual when applying for a title loan.

Remember: although your credit report has minimum bearing when it comes to the approval of your application for a title loan, you will need a secure funding source to pay for the full loan amount that has been given and charged to you.

So, for all employed and unemployed residents of Norfolk, VA, remember that your loan does not end when you receive the money. It ends once you have already paid for it.

If you can, pay early so that you’re not so rushed by the deadline.

Lastly, remember that you are risking your vehicle for this type of loan at the end of the day. So, spend your money wisely!

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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