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Title Loans in Palm Bay , Florida

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Location Information:

MC representative


3300 Dixie Hwy NE
Palm Bay
Florida   32905

Working hours

Mon - Fri: 9am - 7pm

Saturday: 10am - 5pm

Sunday: Closed


Title Loans up to $50,000


Montana Capital Car Title Loans Reviews

I gotta give props to this payday title loan service—totally bailed me out when I needed some quick cash! Super easy process and they got me sorted out in no time. Highly recommend if you're in a pinch!
Malia G.
Malia G.
In search of the best personal loans, I came across this loan company, and I'm glad I did. Their competitive rates and flexible terms stood out to me. The application process was straightforward, and I received approval in no time. Thanks... to their top-notch service, I was able to secure a loan that met my needs perfectly.read more
Asad A.
Asad A.
Outstanding service for payday title loans near was supplied by Montana Capital Car Title Loans .They make a serious effort to ensure success.
Robert S.
Robert S.
Montana Capital Car Title Loans was so straightforward to utilize that I was amazed. fast auto title loans is what they specialize in.
Mertie Veum P.
Mertie Veum P.
I came across Montana Capital Car Title Loans while searching for 'vehicle title loans near me.' Their application process proved to be swift and straightforward, and they offered the most competitive rates in my local area.
Jasmine C.
Jasmine C.
How much of a loan can I receive with my car's title? Kim was a big help. My credit is bad, yet I still qualify for a pawn vehicle loan. In the future, I wish to hire you again because of how much fun we had working together.
Valerio T.
Valerio T.
I discovered Montana Capital Car Title Loans when looking for "vehicle title loans near me." Their application procedure was quick and simple, and they had the best pricing in my neighborhood.Good Service!!
Gloria J. R.
Gloria J. R.
My credit isn't the greatest, so I was worried about being able to get a loan. But this company came through for me with a 2nd lien title loan. The process was seamless and the payments are very affordable. Thanks so much!
Susan F.
Susan F.
I searched for 'vehicle title loans near me' and found Montana Capital Car Title Loans. They had the best rates in my area, and their application process was quick and easy.
Hazel D.
Hazel D.
In need of quick funds, I decided to utilize their expedient auto title loans. I was highly impressed by their efficiency and amiable service. They simplified the entire procedure, resulting in a hassle-free experience. Thank you for your... prompt assistance and support! 🚗💸read more
Lynda C.
Lynda C.
I couldn't be happier with the loan service provided by this company! As someone living paycheck to paycheck, I was worried about the process, but they made it incredibly easy and stress-free. The application was simple, and the approval... came through quickly. Thanks to them, I was able to cover unexpected expenses without any hassle.read more
Connie W.
Connie W.
I received prompt compensation for my vehicle from this company. The experience was straightforward, and their personnel provided outstanding service.
Tamika B.
Tamika B.
Monthly installment loans from this company were a lifesaver when unexpected expenses arose. They provided the financial support I needed, and the repayment terms were reasonable.
Anna L.
Anna L.
A few years ago, I experienced some financial difficulties that damaged my credit. I was unsure if I would be able to obtain a loan to assist with debt consolidation, but I discovered this loan provider online. They worked with me to... obtain the greatest cost and were incredibly helpful. I'm so delighted I came across them!read more
Debbi J
Debbi J
I highly recommend this loan company to anyone in need of a title loan online. The process was quick and easy, and I received the money I needed in no time. The customer service was excellent, and I appreciated the professionalism of the... staff. I will use this loan company again in the future.read more
Mable R.
Mable R.
I availed the title loans in Palm Bay from this loan firm and it was a great experience. The loan firm was very professional and the process was very quick and easy. I would definitely recommend this loan firm to anyone in need of a title... loan.read more
Winifred K.
Winifred K.
My friend suggested Montana Capital Car Title Loans in Palm Bay when I needed money fast. The procedure was quick and easy. I was able to get the money I needed within 24 hours and repay the loan within a timeframe that suited me. For... their assistance during a trying moment, Montana Capital Car Title Loans has my sincere gratitude.read more
Daniel B.
Daniel B.
I am so glad I found this loan company! They provided me with the best semi-truck title loan service I could have ever asked for. Not only did they give me a great loan, but they also worked with me to make sure I could afford the... payments. I am now able to keep my truck and get back on the road to making a living.read more
Matthew E.
Matthew E.
They quickly approved my title loan, allowing me to receive the cash I needed to survive. I'm very appreciative of their assistance!
Kelly B.
Kelly B.
I love their car title service, it is fast and easy to get a cash loan from them. I will definitely recommend them to my friends.
Dean W.
Dean W.
Thanks for assisting me with my low credit score loans application. I had a positive experience with this bank. They assisted me with all my requirements and explained the entire process to me. Thank you very much for everything you did.
Diane N.
Diane N.
If I need another loan in the future, I will definitely contact you again! I was glad to work with your company, and would recommend it to anyone looking for a short term loans bad credit.
Joan P.
Joan P.

3 Easy Steps to Get a Car Title Loan in Palm Bay

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Depending on how much your car is worth, how much money you need and your ability to repay you could get up to $50,000.

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  • Apply online or call us
  • Get approved
  • Visit GPS Installation Centers if needed
  • Get the cash loan
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Car Title Loans in Palm Bay

Do you need a cash advance but are not sure where to get it? Are your financial debts piling up because of familial or personal reasons? Don’t lose hope if this happens to you!

There are a few ways to get QUICK cash, and one of these is to look for car title loans in Palm Bay. Interested in knowing more about how car title loans work?

Keep reading to find out how to get a title loan in Palm Bay!

Making a List

Before you begin the application process, it’s important to CHECK if you meet all the requirements needed for car title loans in Palm Bay.

Since the car title loan application requires conditional approval, most lenders look at certain details to determine if the consumer qualifies for the car title loan.

  • Check our mini-lists below to see if you can avail of title loans in Palm Bay!

Applicant Requirements for Title Loans

  1. Residency: If you’re a stranger to Palm Bay, Florida, you won’t be able to get a car title loan; only RESIDENTS of Palm Bay, Florida can avail of auto title loans!
  2. Credit Score/Credit History: While you might have heard that a lender’s credit criteria don’t always include this aspect, it can be more DIFFICULT to get a car title loan with bad credit.
  3. Car Title: Ensure you have a CLEAR vehicle title issued under Palm Bay.
  4. Repayment Plans: The quickest way to pay back your debt is to have organized repayment plans, so make sure to STICK to them! It will help you get a title loan in Palm Bay.

Vehicle Requirements for Title Loans

  1. Stability: Having a stable car will make it easier for you to avail of title loans in Palm Bay
  2. Car’s Equity Value: Here’s where a little bit of math comes in. You will get negative equity if your car title loan is bigger than your vehicle’s value. So make sure to pay back your title loan on time!
  3. Low Mileage: Most car title loan lenders prefer low mileage cars, but some don’t mind high mileage cars.
  4. No Lien: Ensure that your car doesn’t have a lien title, as this helps most lenders repossess your car if you miss repayment deadlines!
  5. Overall Condition: Rather than the specific model of a car, it’ll meet the lender’s standards if its overall condition is good!

Application Process For Car Title Loans (Palm Bay, Florida)

Step 1: Hello, My Name Is…

To get quick cash from online title loans in Palm Bay, you’ll need to apply online by getting the form from your chosen website.

You can also choose to access the car title loan application form over the phone.

After accessing the form, you may be asked to give certain details, such as:

  • Name
  • Address
  • Contact Details (i.e., email, phone number)
  • Vehicle Model
  • Financial or bank statements

After contacting the lender directly, you need to wait for their initial approval.

Step 2: Sending the Necessary Files

The next step in the title loan approval process involves submitting the required loan documents. While this may differ depending on the lender, the common title loan documents are:

  • 1 valid government-issued ID: This will be used to verify your identity.
  • Proof of residency: This will be used to verify your address. Palm Bay title loans would greatly increase your chances of being accepted as a fellow resident!
  • Proof of income: Financial or bank statements are good examples of these.
  • Pictures of your car: Some may include your car’s VIN or odometer reading.
  • Personal references: These should come from people that aren’t family members.
  • Insurance: For your lender to review.

After gathering these documents, you can choose to send them using your phone/laptop through any of the following methods:

  • Email
  • Fax

To increase your chances of getting your lenders’ instant approval, ensure that all of your documents are complete and organized. This will help avoid major delays in the loan process.

Step 3: Checking It Twice

After getting your lender’s approval, make sure to review the document thoroughly before moving on to the last step of the process.

Some important aspects that you should doublecheck are the following:

  • Actual loan amount/how much money you’re asking for
  • Loan terms
  • Repayment terms
  • Repayment deadlines
  • Interest rates

Don’t forget to check if there’s a prepayment penalty involved as well!

Step 4: You Have Received…

This is the LAST step of the process! Now that you’ve gotten the lenders’ final approval, you can now get your loan.

  • The usual amount of time allotted for getting title loans is 1 business day, but this may change depending on your lender or other external factors involved.

Take note that your lender may use the following methods to send the money to you:

  • Direct deposit to your bank account
  • Check
  • Electronic bill

Congratulations on getting your personal loan in Palm Bay! Don’t forget to follow your repayment plan so that you can get your car title back ASAP.

Advantages and Disadvantages of Car Title Loans (Palm Bay)

After learning about the application process for title loans in Palm Bay, the next step is to consider the benefits and drawbacks of pursuing a title loan.


Here are the benefits you should expect to get if you apply for a car title loan!

1- Time-Efficient

Do you have too many things on your plate and not enough time to accomplish them? The good thing about Palm Bay title loans is that the process can be done quickly and efficiently.

As long as you meet all the requirements and have the necessary documents, most lenders would ensure a speedy process.

2- Flexible Deadlines

Not 100% confident that you can repay your loan by the proposed repayment dates? If this is one of your main concerns, take note that title loan companies are usually amenable to changing deadlines.

  • It is because they have your vehicle title as collateral.

While this is an additional comfort, make sure not to rely on this too heavily. The faster you pay back your title loan, the faster you’ll get your car title back!

3- Smooth Transportation

Are you worried about how to move from one place to another after applying for a title loan? Nervous at the thought of losing your car?

Don’t fret! Even if you applied for an auto title loan in Palm Bay, you could still use your vehicle.

  • This means that while you’re in the process of paying your loan back, you can safely travel along the roads of Palm Bay.


Unfortunately, with benefits come drawbacks. Expect to experience some of these drawbacks if you are not careful handling your car title loan.

1- Risk vs. Reward

Providing acceptable property means that lenders are reassured of your willingness to pay back your debt. As such, lenders aren’t as heavily affected by title loans as borrowers are.

  • This leads us to one of the MAIN disadvantages of car title loans: the fact that your car title is at STAKE.

Depending on how long it will take you to pay back your loan proceeds in Palm Bay, it might take a while before you get your car title back.

The worst-case scenario is if you continue to accumulate debt and frequently miss out on repayment dates, you might end up LOSING your car entirely!

2- Cycle of Debt

One of the most important things you have to do when borrowing money is to pay early. If you continuously miss deadlines, the fees will get increasingly HIGHER.

  • As more time passes by, the more money you’ll have to spend.

To avoid falling into this cycle, make sure to stick to your repayment plan so that you don’t have to worry about paying for more than you bargained for when you’re making payments.

3- Running Against the Clock

All loan processes involve the essence of time. It’s important to remember that the money you currently have is technically a short-term loan.

Rather than attempting to rely on Palm Bay title loans as a long-term solution, it’s better to pay back your debt as soon as you can so you can get your car title back ASAP.

Types of Loans

1- Payday Loans

The term “payday loans” isn’t as widely recognized, as people often think of salaries when they hear “payday.”

Payday loans are often defined as “a short-term, high-cost loan that is typically due on your next payday.” [R]

To avail of this type of loan, you can do it online or in a physical location. Take note that most states have a specific limit for loan amounts.

  • $500 is the usual limit for borrowers, but some lenders may go above or below this amount.

To pay back the loan, you’d have to write a post-dated check for the full balance along with any additional fees.

You’d also have to grant authorization for the lender to debit the funds from your account.


  • You don’t need collateral to avail of this loan.
  • Some lenders allow loans to be paid in installments.
  • If you have a credit card, you won’t need a bank account to qualify for this loan.


  • Most states often impose a loan amount limit.
  • The repayment deadline is early.
  • High APRs

2- Auto Equity Loans

Just like the name suggests, this type of loan is based on your car’s equity. If you’ve successfully had your car paid off, your car’s equity would be the car’s current market value. [R]

  • But if you STILL owe money, your equity would be your car’s current value minus your loan balance

Take note that it’s still up to each lender’s discretion on the maximum amount you can borrow.

  • Some lenders will allow you to borrow an amount with equal value to your equity, but others may allow you to borrow up to 125% of your equity!

To avail of this type of loan, you’d have to apply for the loan and indicate the following details:

  • Name
  • Contact details
  • Income
  • Credit score
  • Vehicle details

Don’t forget to let your lender know if you have other auto loans as well, as they’ll need this information to calculate your equity!


  • It can last for several months or years.
  • Can offer low rates because they’re secured loans
  • Since it’s a secured loan, it may involve an easier approval process because it’s less risky than unsecured loans.
  • You don’t need to own a home to avail of this loan.


  • If you’re still paying off your car’s debt, you might end up dealing with multiple lenders (i.e., your primary lender and another lender).
  • You could lose your car if you miss repayment deadlines.
  • Not a lot of people offer this type of loan

3- Credit Union Loans

A credit union is often defined as “a type of financial cooperative that provides traditional banking services.” [R]

In other words, they’re institutions that are created by and made for the people. More often than not, they range from small operations to large institutions.

To get a loan from credit unions, you’d have to open a bank account or a nominal account. Once you’ve accomplished this, you can then become a member.

  • By engaging with other partial owners and participating in meetings, you’ll have the ability to vote for a board of directors and give your opinions on business decisions.
  • Since your voting ability isn’t based on how much cash you have, your vote has the same weight as everyone else!


  • Better rates compared to many traditional banks
  • More ATM locations
  • Members aren’t required to pay corporate income tax when they earn.
  • Operating margins aren’t as strict compared to banks.


  • Fewer options compared to banks
  • Not a lot of on-site services and physical stores
  • Most credit unions have set business hours.

4- Title Pawn Loans

While the term “title pawns” may sound quite misleading, you DON’T necessarily have to go to a pawn shop to avail of this loan. [R]

  • You can apply online or visit a physical store to coordinate with a title loan provider.

For these types of loans, you can usually borrow $2,500-$10,000. Depending on your lender, you can pay the loan back in full after 30 days, but they can also choose to offer title pawn installment loans.

  • This means that you’d be able to pay back your loan during various transactions.

In addition to this, you can continue driving your car as you’re repaying your loan. This is very similar to title loans, with the main difference being the eligibility requirements involved.

To apply for a loan, these are some of the requirements that some lenders will require you to meet/to have:

  • Over 18 years old
  • Lien-free car title
  • Driver’s license
  • Regular source of income
  • US citizen or permanent resident of the state

Don’t forget to submit the following as well!

  • Driver’s license
  • Your vehicle
  • Car title
  • Car keys
  • Other required documents (will heavily depend on the lender’s preference)


  • You don’t need to have a bank account to qualify.
  • If you apply for a loan in person, you can usually get it in 30 minutes.
  • You can continue using your car.


  • You might have to pay expensive rates if you miss repayment deadlines.
  • You could lose your car if you can’t fully pay back your loan.
  • If your lender allows you to rollover your loan, it will be more difficult to pay back the total loan amount.

Additional Trivia On Title Loans (Palm Bay)

Now that you’ve learned more about the application process and the advantages and disadvantages of auto title loans, here are some additional bite-sized pieces of information!

1- Federal Laws

On a scale of 1 to 10, how familiar are you with Florida title loan laws? [R]

Did you know that the usual amount of time allotted for a title loan in Palm Bay is 30 days after the date of the title loan agreement?

  • If you want to extend this date, you can extend it up to one or more 30-day periods as long as you agree with your lender.

In addition to this, Florida title loan laws allow lenders to charge the following interest rates on your loan:

  • Up to 30% per year for the first $2,000 you borrow
  • 24% a year for any additional loan amount between $2,000-$3,000
  • 18% a year for any loan over $3,000

To protect yourself and your property if you know the law! Some important laws to remember are the following:

  1. Chapter 537, Florida Statutes
  2. Chapter 516, Florida Statutes

Chapter 537 requires lenders to be licensed and for there to be a written title loan agreement between you and your chosen lender. It also states that lenders can repossess your vehicle if you don’t pay your loan fully.

  • However, if the lender repossesses your vehicle, you have to be notified in advance of their intent and if they plan to sell it.
  • If you end up paying your loan in full (along with other fees such as interest rates), you can still get your car back as long as it hasn’t been sold yet!

On the other hand, Chapter 516 doesn’t offer the same level of security.

  • While your chosen lender is required to provide you with a written statement of the title loan, repossession procedures, sale procedures, and the potential of having hidden fees aren’t as specific.

Ask your lender to discuss ALL relevant title loan policies with you so that you’re prepared for any potential scenario!

2- Credit Check

Just how BAD is bad credit?

Some title loan lenders would still accept those with a bad credit score, but others would prefer a background credit check.

  • With that in mind, it’s safe to say that your chances of getting an auto title loan are higher if you have a good credit score.

If you want to verify whether you have bad credit or poor credit, you can refer to Palm Bay’s numerous websites or credit institutions.

Make sure to practice responsible credit decisions so that you can avail of good title loans in Palm Bay!

3- Minimum Loan Amount

Minimum loan amounts vary per lender, but some title loan companies have $2,000 as the minimum amount.

  • On the other hand, the loan limit is usually 25% to 50% of the car’s value [R].

Do thorough research on the loan amount that title loan companies often offer so that you can choose the BEST option for you!

4- Annual Percentage Rate

Besides looking for reasonable interest rates for title loans in Palm Bay, you also have to take note of annual percentage rates (APR).

An APR is essentially the “percentage that represents the actual yearly cost of funds over the term of a loan or income earned on an investment.” [R]

  • This means that it takes monthly payments into account to develop the EXACT percentage rate you’ll need to pay per year.

It acts to protect consumers, especially since financial institutions must discuss their APRs before any agreement is signed.

  • Did you know that this requirement is stated in the ‘Truth in Lending Act (TILA) of 1968’?
  • This act was created to promote and uphold the concept of transparency in regards to loans [R]

5- Pink Slip Loans

Did you know the standard color for vehicle titles is pink? That’s where the name comes from, as it’s essentially just another time for title loans! [R]

It’s also interesting to note that their vehicle title’s colors can be blue or green in other states.

Sending My Location (Palm Bay)

Have you decided to push through with pursuing title loans in Palm Bay, Florida?

Now that you’ve weighed the pros and cons of pursuing auto title loans, just remember that online title loans are intended primarily to serve as an efficient way to get money quickly.

As long as you don’t rely too much on a cash advance as a long-term solution, you’ll be able to stick to your repayment plan and have your vehicle title back in no time!

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Have a bad credit score?
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A few simple steps for a free quote

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