Home > Locations > Ohio > Parma

Title loans in Parma

Fill in the online form

or

Call us now

Open hours

Mon - Fri:
Saturday:
Sunday:

9am - 7pm
10am - 4pm
Closed

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

Title loans in Parma

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

Donna Crocket Notary Service

6841 Day Dr

Parma

44129 Ohio

Service type

Notary Public

Start your loan process at this Notary Public

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

Car Title Loans in Parma

Curious about the process of getting car title loans in Parma?

You’re in the right place.

Here, we’ll tell you the entire loaning process as well as the requirements for obtaining car title loans. You’ll also learn all the crucial info you need to consider before applying for a title loan.

How Hard Is It to Apply for a Car Title Loan in Parma?

Obtaining an auto title loan in Parma, Ohio is NOT as difficult as getting money from banks.

The application process will take no more than a few days to finish. And you can actually RECEIVE the title loan amounts you requested within 24 hours of applying.

And the actual procedure is fairly straightforward too — there’s no need to wait for several hours sitting in the lobby just so you can submit all the documents you have gathered.

Even all the requirements are easy to prepare as well:

  • Proof of ability to repay the loan (could be pay stubs or bank account statements)
  • Proof of residency (with your name and current address)
  • Your vehicle as collateral
  • Photos of your vehicle
  • Free and clear vehicle title
  • Bank account and credit
  • A state-issued ID (you must be an Ohio resident)

Applying for Title Loans in Parma

And here is the typical process of applying for pink slip loans in Parma too:

  1. Fill out the application form first: What’s best about this is you can actually fill out the form completely ONLINE. And then you can simply bring it to the loan officer directly.
  2. Submit all requirements: You can hand the car title here along with the other requirements. And yes, you can submit them online too. But remember that it DEPENDS on the title lender if they offer an online transaction.
  3. Get ready for vehicle inspection: The title lenders may require photos of your vehicle, but that will not be enough. They will still do a thorough physical inspection since the loan amount you receive will HIGHLY depend on the equity value (EV) of your vehicle.
  4. Wait for the approval process: There’s literally nothing to do here. Whether you’re about to be given title loans or not, you just wait for them to contact you via call or email.
  5. Get your money: You get your cash as soon as you pass the verification stage. You will discuss the loan payment terms with the title lender afterward.
  6. Repay the loan: And all that’s left to do is to pay for the total loan amount you got which again, would depend on the collateral value of your car. But MIND the additional interest rates and more fees so you will not be surprised when paying for title loans.

5 Things to Consider Before Getting an Auto Title Loan

Does the title loan process seem to be too smooth for you? Well, don’t get ahead of yourself yet.

There are still several things you have to consider before you take out auto title loans. You don’t want your money savings to drain to zero at the end of the loan term after all.

1 – Don’t Be Unemployed!

Many title loan lenders in Parma will say that it is totally okay not to have a job in order to get cash.

But for us? We RECOMMEND the complete opposite. Because first of all, you will be approved of auto title loans faster if you can prove that you have the ability to pay the loan.

And this isn’t just as simple as showing a piece of paper to title loan officers.

You will need to prove you have an actual stable income that covers excess payments that might possibly be made in the future.

So you should THINK TWICE before you get title loans in Parma especially if you have…

  • Contract work
  • Part-time job
  • Or if you have NO work at all

What If You Are Self-Employed?

Rest assured, you can still get car title loans in Parma with this kind of job. But you’ll have to be in the same position for at least two years.

And the reason for this is because the title loan lenders usually inspect your preceding tax returns. This will tell if you can actually pay for the loan with enough cash/money within the loan term.

You will be in their BEST INTEREST if you have permanent employment with a stable income.

Also, you should take note they may also contact your employer for verification of your income. And that’s regardless of the job you have.

Now, you can also USE other sources of income if you want to get lenders to fully trust you.

These sources could be…

  • Your spouse’s income
  • Second job
  • Child support

2 – Make Sure You Have Good Credit

Lenders in Parma don’t typically check your credit score. But you have to be PREPARED for it, especially if you don’t have a strong source of income.

Like with a credit union or bank, you will be approved of car title loans much FASTER if you have a positive credit history.

And this is all because they will be able to see here how you EFFECTIVELY manage your money.

In the two most popular credit-scoring models…

  • Your score should be around 800-850 if you want to have an excellent background. But you can get away with it with as LOW as 670 in the FICO® Score.
  • And in VantageScore, you should have an exceptional background with 750-850 scores. But you can still pass the inspection even if you have a 650 score.

The higher your score, the better. But in any case, you should NOT have a score LOWER than 650.

Why is this important?

Because you’ll have a lower chance of getting loan proceeds if you have a poor credit score. A poor credit score typically indicates you have a great risk to default on the car title loan.

So you can’t really blame lenders if they don’t hand you the loan once they see your negative credit.

What can I do to get a loan despite having negative credit?

Well, the good news is you can still be approved for a car title loan EVEN if you have a poor credit history.

BUT! This is only possible if you can prove you can actually pay for car title loans at the end of the term.

So it would be BETTER for you if you can show them you have permanent employment plus an additional source of income.

3 – Know the Value of Your Vehicle Beforehand

You don’t need to necessarily know the exact formula for solving the equity value of your vehicle. But you should AT LEAST be familiar with the resale value of your vehicle on the market.

This is because the collateral value determines how much money you can borrow. You CANNOT borrow more than the value of your vehicle. Unless you’ve arranged some kind of negotiation with your lenders.

But still, lenders in Parma don’t usually just agree with this kind of bold request. Especially if you don’t have any proof that you can pay for that excessive amount of car title loan you’re asking for.

So if you want to borrow more cash…

You should mind the other things that affect the value of your vehicle too:

  • Overall condition of your car
  • Mileage
  • Brand and model
  • Car color
  • Modifications made
  • And service history

Take note that these could affect the collateral value either in a negative or positive way. So as an owner, you should DEFINITELY treat your car as if it’s newly bought if you want to take out more cash.

Now, you can rely on a car dealership to give you an ACCURATE appraisal of your car. They will inspect your car and compare it with other similar vehicles to get the precise collateral value of your car.

This will only take about 30 minutes so it’s totally worth checking out.

On the other hand, you can use some online appraisal tools if you don’t want to get out of your house. You should use Kelley Blue Book (KBB) as one trusted tool.

But remember it will only give you an estimation, NOT an actual value.

4 – Familiarize Yourself With Interest Rates in Parma

Similar to payday loans, car title loans also have a HIGH interest rate. So it’s definitely important you are familiar with this before you take out a car title loan.

Generally, the interest rate in Ohio falls around 300% a year. This means you get to pay an additional $250 on top of the title loan amount you requested.

And they could be as high as 28% per month. But don’t worry since that’s the CAP for short-term loans in Ohio.

Although you should be WARY of sketchy lenders that say they also offer “guaranteed” student loans or payday loans. If they start charging you MORE THAN 28%, that means they somehow got away with the strict Short-Term Loan Act.

And they could also be charging you EXCESSIVE…

  • Origination fees
  • Appraisal fees
  • Underwriting fees
  • Administration fees
  • Credit report fees
  • Processing fees

So your total payment for the car title loan could be WAY higher than it should be.

5 – Don’t Forget When You Have to Pay!

Now, you should keep in mind that the loan terms in Parma are usually within only 30 days. So you have to provide the COMPLETE payment for the car title loan within the deadline.

It’s also an important thing to remember since there will be HORRIBLE consequences if you cannot pay on time. And this is such as you could lose your car or be totally out of cash when the term ends.

In some cases, your lender may even renew or rollover your initial contract for the car title loan. However, this is a slippery slope since you would pay additional interest rates (and possibly more fees) for your loan.

So DON’T let your guard down just because you finally got the money you’re wishing for.

Conclusion

The title loan process may be as fast as a Ferrari… But the hardest part of taking out car title loans is proving you can actually give back the money you loaned.

And you should be scared if you can’t somehow pay them on time despite submitting all the strong evidence. Remember that the consequences of NOT paying within the deadline could be dreadful.

So our final tip for you: Make sure to remember all the things we have said if you want to obtain car title loans WITHOUT any issue.

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

Skip to content