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Title loans in Ocala

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Mon - Fri:

9am - 7pm
10am - 4pm


Xtreme Audio and Performance

525 SW 10th St Suite C


34471 Florida

Services available

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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 Ocala, FL: The Application Process

Need some financial help? If you have a car, then car title loans may just be the answer for you.

Don’t know anything about them? Don’t worry, because we’ve got you covered!

Make better credit decisions today and read more about what Ocala title loans can offer you today!

What Is a Car Title Loan?

Car title loans are short-term cash loans that use your VEHICLE as collateral.

They are simple and secured loans that provide you with INSTANT CASH.

You might know them as any of these terms:

  • Vehicle title loans
  • Pink slip loans
  • Title pawns
  • Auto title loans
  • Auto equity loans

What happens is that lenders loan the money to a consumer SECURED by a bailment of the actual car title.

As a personal loan in Ocala, Florida, car title loans usually have a short repayment period compared to payday loans and a traditional bank loan.

A Step-by-Step Guide for the Car Title Loan Process in Ocala, FL

The loan process in Ocala, FL, is QUICK and EASY — you can get your loan within hours on the same business day!

Strong loan applicants can also get pre-approved in just under 15 minutes.

To achieve this, here are the 3 steps that you should follow:

Step 1: Fill Out an Application Form

There are two ways to go about this step. You may either:

  • Give your lender a call, or
  • Access the loan company’s website to apply online

Whenever possible, it will ALWAYS be best to clarify with your lender any requirements that they may require.

A reliable lender will always make this information public, but lenders vary based on how comprehensive their forms can get.

Regardless, you should generally EXPECT to provide the following information when applying in Ocala, FL:

  • Personal Information
  • Vehicle Information
  • Loan Amount and Loan Terms

If done right, you can accomplish your forms in less than 10 minutes.

The EVEN BETTER news — you can get pre-approved in less than 15 minutes!

Make your application AS TRANSPARENT AS POSSIBLE, especially when you apply online.

This will make your loan application easier to assess.

Step 2: Submit Important Documents

Title loan companies will reach out to you to inform you about your pre-approval status.

This is the GO SIGNAL for you to submit the following required documents:

  • Vehicle Title (under your name)
  • Vehicle Registration Papers
  • Valid Government-Issued ID
  • Proof of Residence in Florida
  • Proof of Income

Your car title will be used to determine the loan amount to be approved.

The IDs and papers should all show that YOU own the vehicle being submitted as collateral.

Likewise, you need to show that you LIVE in Ocala, Florida.

Other title loan places might require the following supporting documents too:

  • Photos of Vehicle
  • Bank Account Details
  • Income Statement
  • Character References

In some circumstances, faxing may be required for INSTANT pre-approval of your application.

REMEMBER: The quicker you can turn in your papers, the faster you’ll be able to get your money!

But the most important tip of all would be to clarify ALL requirements with your lender directly.

Step 3: Receive Money

Once you’ve done your part, the loan company will then work to assess your eligibility and ability to repay the loaned money fast.

You’ll be able to receive your fast cash after that.

But of course, you should negotiate the payment channel with your lender beforehand:

  • In-Person
  • By Mail
  • Electronically By Wire (Bank Account or Credit Union)

And the title loan guarantee?

You can receive your money in just under a few hours on the same day!

If the company needs more time, the money can be transferred to your specified channels within a week after approval.

And that’s it! A simple process for your immediate cash needs.

So you have now received your loan… now what?

Well, you should NEVER forget to follow through with your Ocala title loan.

Step 4: Settle Loans Within the Payment Terms

This is, unfortunately, an often forgotten step when applying for car title loans.

Here are some important details to always remember:

  • Negotiate your terms and loan period with your chosen car title loan company in Ocala, FL
  • Specify repayment terms that you can fulfill
  • ALWAYS pay on time to avoid pre-payment penalties.

For reference, short-term financing will REQUIRE you to repay within 30 days.

Simply finish all these steps, and you can finally consider your Ocala title loan PAID.

Things to Know About Car Title Loans in Ocala, FL

To settle any debates on legality, lenders are officially licensed under Florida Statute 516.

This means that title loans in Ocala, FL, REGULATE offers and loan amounts based on the state regulations in Florida.

Some basic questions will be answered in this section:

How Much Money Can Be Borrowed in Ocala, FL?

Title loan laws in Florida have a definitive range of interest rates:

  • Loan amount less than $2,000: maximum 30% per annum interest
  • Loan amounts from $2,000 to $3,000: maximum 24% per annum interest
  • Loan amounts exceeding $3,000: 18% per annum interest

Ocala title loans get generally approved for a minimum amount of $200.

And depending on your qualifications, you can get a loan amounting to around $30,000.

How Is the Loan Amount Determined?

This will, of course, be compliant with the car title loans regulatory agencies in the state of Florida.

Generally, how much money to be granted will be determined by these TWO PRIMARY FACTORS:

  1. Your ability to repay the title loan loan
  2. Your vehicle’s current market value

More specifically, your lenders will INSPECT your vehicle to determine its vehicle equity.

Vehicle details they will specifically look for include the following:

  • Vehicle Year
  • Vehicle Make
  • Vehicle Model
  • Mileage and Overall Condition

Modifications such as interior and exterior movements will also affect this car valuation process.

However, vehicle inspections are NOT ALWAYS required in Ocala, Florida.

Online applications, for example, will depend on the documents you submit to them.

How Do You Get the Best Deal in Ocala, FL?

Not all lenders can give the offer that is best for YOU.

This is why it’s important to find lenders that practice responsible lending and marketing practices.

To guide you better, these are some of the factors that you should look out for:

  • Competitive rates and terms
  • Testimonials from clients
  • Company registration and legal status

REMEMBER: You should ONLY accept offers that you can repay. It’s also important to do your research and avoid hidden fees.

How Will My Eligibility Be Verified?

Your eligibility will solely depend on whether you fall within the JURISDICTION OF THE STATE and the VALUE OF YOUR COLLATERAL.

  • You need to be a resident in Ocala, Florida.
  • You need to be the legal owner of your car.

Car title loans will simply determine your vehicle’s value by looking at these factors:

  • Car Mileage
  • Car Condition
  • Brand and Make
  • Year of Manufacture

Following this, negotiations between you and your lender should transpire.

Fair judgments and decisions from both parties should be expected.

Why Apply for Title Loans in Ocala, FL?

You’ve made it this far in the article. Let this section be the final push you need to get Ocala title loans.

Quite frankly, there are quite a LOT of reasons why you should apply for a title loan in Ocala, FL.

Here are some of them:

1. Quick and Easy Process

You can get your loan proceeds after accomplishing just three easy steps.

This is also because the loan value is DEPENDENT on the collateral value.

The better the equity value of your car, the EASIER your application process will be!

2. No Credit Checks

Title loans in Ocala, FL, will not always require a good credit score for your instant pre-approval.

Instead, what’s more important is your assurance of making payments steadily:

  • Based on your financial capability
  • Based on the vehicle’s value after repossession

That said, your car title loans payment capability does not SOLELY depend on your credit score.

However, some WILL lend money directly if you show them a good credit score.

These lenders are more comparable with traditional bank loans that will have you worrying about having the following:

  • Bad Credit Scores
  • Credit Card Debt
  • Poor Credit History
  • Poor Payment History

However, this is not always the case, so you have NOTHING TO WORRY ABOUT.

The general rule of thumb is that credit scores aren’t vital to your auto title loan applications.

But it will always be best to do your research beforehand.

3. Lower Interest Rates

All lenders are responsible for their own interest rates and payment terms.

It’s up to YOU to decide on these two factors:

  • How much money you need from the loan
  • How much money you can repay — this will, of course, come with added interest

But the good news is that Ocala title loans will almost always offer lower rates than other short-term loans.

There are also MULTIPLE LENDERS across the state to choose from. With more options, you can definitely find the loan perfect for you.

4. Multiple Auto Title Loan Applications

You heard that right! You CAN apply for multiple car title loans at the same time.

Just make sure that you have multiple vehicles that you can register.

For a STRONGER application, here are some tips that you can follow:

  • Maintain the quality of your vehicle
  • Prepare your vehicle titles beforehand
  • Distinguish between your applications well

REMEMBER: Loan companies follow a ONE VEHICLE PER TITLE LOAN policy.

That said, you should manage your loans well.

Only apply for a number of car title loans that you can repay.

5. Flexible Modes of Payment

Online title loans can be received and paid for in a variety of ways:

  • Cash
  • Cashier’s Check
  • Money Orders
  • Debit and Credit Cards
  • Wired
  • Mail

In contrast with traditional bank loans, car title loans have now been made MORE ACCESSIBLE to the borrower.

Just always DOUBLE CHECK with your lender as some companies may ask for processing fees.

THE BOTTOM LINE: Ocala title loans offer a CONVENIENT way to get cash instantly.

Frequently Asked Questions

Still have things about title loans that confuse you?

Here are some more clarifying questions about title loans that might interest you:

Where Can I Use Auto Title Loans?

You can use your cash loans to settle ANY of your financial needs.

The cash advance from these title loans are intended primarily for the following:

  • Emergency cash
  • House and utility expenses
  • Hospital bills
  • Credit card payment
  • Car loans payment
  • School tuition settlement

REMEMBER: The cash you get from an auto title loan is NOT a long-term solution.

However, title loans are a GREAT start to alleviate your momentary financial rut.

This is especially true if the lender meets ALL of your personal requirements.

Can I Use My Car During the Duration of the Title Loans?


In Ocala, you can drive around even while your loan is still pending.

From the name itself, car title loans only give lenders authority over your car’s title.

That is, for the meantime — remember that your vehicle’s purpose is being collateral for your auto title loan.

Can I Apply With Bad Credit?

YES, a bad credit will NOT define your application for car title loans.

SOME lenders may look at it the way small business loans do.

However, you can rest assured that it’s your car’s value that they’ll look at more.

Choose a lender based on the details most important to you.

Apply for Car Title Loans Now!

In Ocala, FL, title loans are so efficient that you can RECEIVE CASH within the same day of sending your application.

All you have to do is follow these THREE SIMPLE STEPS:

  1. Fill out an application form
  2. Submit the required documents
  3. Receive your money

All of these on the same day!

Just don’t forget to repay your loans with how much cash you decide together with your lender.

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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