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Title loans in Owensboro, KY

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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 Owensboro, KY

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

Custom Car Stereo

201 Salem Dr. Suite D

Owensboro

42303 KY

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

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!

Flexibility

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?

ABSOLUTELY!

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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