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Home > Kentucky > Owensboro, KY

Title Loans in Owensboro , KY

How much cash can i get

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

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Location Information:



201 Salem Dr. Suite D
KY   42303

Working hours

Mon - Fri: 9am - 7pm

Saturday: 10am - 5pm

Sunday: Closed


Title Loans up to $20,000


Montana Capital Car Title Loans Reviews

3 Easy Steps to Get a Car Title Loan in Owensboro, KY


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

I won’t be the first one to say this, but it is worth reminding you.

If you find yourself in the middle of a financial crisis, it is never shameful to ask for the right kind of support.

Here, we understand that sometimes all you need is a helping hand. Read this article to find out how title loans can assist you!

Car Title Loans 101: How They Work

Title loans are a type of short-term borrowing wherein you use your car title as collateral in exchange for money.

The lenders will assess the equity value of your vehicle to estimate the loan amount you are entitled to. After negotiating the loan terms and conditions, you and the lenders will sign a loan agreement. 

If you pay the loan amount on time, your lender will return your car title to you.

Car title loans are well-known for their easy loan process and are one of the fastest when you urgently need cash.

Curious about how to apply for one? Let’s get started.

Three Easy Steps to Get a Car Title Loan

  1. Submit the loan application form online or inquire through a loan representative for any concerns you may have.
  2. Your title loan application will be reviewed, and your loan amount will be estimated through your vehicle’s equity value.
  3. You followed the previous steps, and your car is approved, so you can now get your money right away!


Frequently Asked Questions (FAQs)

Need some more clarifications? Don’t worry! We’re here to answer all your questions.

#1 What Are the Requirements for a Car Title Loan?

Different lenders may ask for different requirements. However, we have compiled this list of documents lenders may ask during the application process:

Personal Information

A lender usually asks for the following:

  • Complete Name
  • Address with Zip Code (to make sure you are a resident of Owensboro, KY)
  • Phone Number
  • Email Address
  • Birth Date

You might be curious why the birth date is required. The reason behind that is only those who are 18 years of age and older are eligible for auto title loans.

Car Information

  • Car Title
  • Vehicle Pictures (exterior and interior)
  • Car Insurance Documents
  • Make, Model, Year, and Mileage

If you want to qualify for title loans, your vehicle title should be lien-free. This means that there should be no outstanding balances or judgments against your car.

Documents proving that your vehicle has insurance are also required as this ensures that if you do run into any accidents, the insurance company will be shouldering the costs.

Remember, the BETTER the current condition of your car, the HIGHER the possible loan amount is

Financial Information

To get a title loan, you must prove that you can repay the loan.

Your proof of income could be bank account statements, pay stubs, and other documents that will show your ability to make the monthly payments required by your title loan lender.

NOTE: Don’t be discouraged if you do not have full-time employment.

Regardless of whether you’re a businessman, an employee, or someone who is already retired, you can still qualify for a title loan.

You NEED to prove to your lenders that you have ENOUGH resources every month to gradually return the money you borrowed.

Other Identification Documents

Of course, part of the approval process is the verification.

To strengthen your credibility, bring at least one of the following recognized IDs:

  • State-issued driver’s license
  • Passport
  • Social Security card
  • REAL ID Act
  • Birth certificate

#2 Can I Negotiate the Terms of the Loan?

Absolutely! In fact, you are encouraged to do so.

Before signing any loan agreement, you will be allowed to talk with your lender about all the terms and conditions of the loan.

We advise you to ask questions about any terms that may be confusing to you, especially regarding the fees, interest rates, and loaning period length.

Here, we understand that every borrower has their own unique circumstances. You can always discuss these with your assigned title lender.

#3 Are Title Loans Better Than Bank Loans/Payday Loans?

There are different loan types, and each one is appropriate for a certain situation.

Auto title loans are the BEST kind of loan if you are in a time-sensitive and urgent situation, such as medical emergencies, where you need cash now.

Here are additional reasons why applying for an auto title loan in Owensboro is a GREAT idea:

Convenient Application & Fast Approval

Have you ever experienced waiting for a long time for your loan approval result only to find out you didn’t qualify?

Yikes. No worries, though. That does not happen when you apply for a title loan in Owensboro.

Once you have submitted all the required information, your lenders will immediately assess your vehicle to determine if you qualify for a vehicle title loan or not.

You’ll also get your money right away too!

Simple, straightforward, and considerate of your urgent needs. That’s the promise of car title loans. Here, we avoid the mountain of paperwork that is required in other types of loans.

Have we mentioned that you don’t even have to go out of your own homes?

That’s right! If you are from Owensboro, KY, you can easily access the online application form 24/7.

Tolerance for a Bad Credit Score

What sets title loans apart from other loan types is their high tolerance for a low credit score.

Take note that lenders MAY still perform a credit check. After all, one of the ways wherein they assess your credibility is through your credit rating.

However, don’t lose hope if you have a bad credit score. What’s important is that you prove to your title lender that you can pay back your cash loan.

As long as you show enough proof that you have your own way to make the monthly payments, you are good to go!


One of the best things a borrower can ask for is a considerate title lender.

Unlike bank loans and payday loans, car title loans – or pink slip loans as they are also called – may be customized to fit your lifestyle.

All you need to do is negotiate your own preferences with the lender until you arrive at a middle ground.

If you want to return the money you borrowed for a month or a year, or you have concerns about the interest rate, make sure to tell your lender so they can consider that in finalizing the loan agreement.

Continue Driving Your Car

The greatest thing is, you won’t have to surrender your vehicle when you qualify for title loans.

Your title lender will only require your car title as collateral, which means you get your cash while continuing to drive your car.

#4 Is Having a Bank Account Required?

Yes, you will need to have one.

Don’t worry! You WON’T NEED to have a huge sum of money to prove you can pay the loan.

It will serve as the entry point of the loan money that the lenders will send to you. After the loan process, you will immediately know if your loan is approved.

You will get your cash immediately once you receive approval.

It’s pretty amazing indeed!

#5 Are Title Loans Legal in Kentucky?


Kentucky regulates title loans – or title pledge loans as they call them – under Chapter 286 of the 2014 Kentucky Revised Statutes.

Under the law, a lender must be licensed first before engaging in business. We advise you to ask the lender to show you the license before signing the loan agreement.

Of course, the law also protects the interest of your title lender.

As collateral, there is a possibility of your vehicle becoming repossessed if you do not follow the payment terms.

It pays to fulfill your payments diligently so that you maintain your credibility with your lender, and your lender will not repossess your vehicle.

#6 Do I Need to Establish Residency in Owensboro?

Yes! One of the reasons your address is part of your required information is that you need to live in Owensboro.

Aside from a valid ID with your address, you can prove your residence by showing utility bills and other subscription payments with Owensboro as the mailing address.

#7 What if I Lost My Car Title?

Here’s the secret: You can always get a duplicate.

You only need to apply for another copy at the County Office in Owensboro. It will be mailed to you within 5 business days.

Apply for a Car Title Loan Now

With title loans, the cash you need is within reach. Residents of Owensboro, KY, will find that qualifying for a car title loan is easier than ever.

Here in title loans, we prioritize your convenience above all else. You’ll get your money without giving up your car.

So, why wait? Apply now for a title loan in Owensboro!

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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