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Home > Washington > Pasco

Title Loans in Pasco , Washington

How much cash can i get

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Location Information:

MC representative


931 W Court St
Washington   99301

Working hours

Mon - Fri: 9am - 7pm

Saturday: 10am - 5pm

Sunday: Closed


Title Loans up to $50,000

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3 Easy Steps to Get a Car Title Loan in Pasco

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Apply either online or by phone. Montana Capital is here to help you get the cash loan of your car title fast and secured!

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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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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 $50,000

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

Car Title Loans in Pasco, WA: Time to Cash In Quickly!

Emergencies happen unexpectedly. If you are stuck in a situation where you don’t have any cash lying around in case of an emergency, what would you do?

Genies do not exist to grant your wish in just a snap.

But at least there are car title loans in Hartttiesburg that you can acquire in just 15 minutes!

6 Easy Steps in Acquiring Car Title Loans

Step 1: Before Giving the Go Signal, Do Your Research

Before securing a car title loan, you must know what you are getting into.

What Is a Car Title Loan in the First Place?

Car title loans, also known as pink slip loans or payday loans, are secured loans where the borrowers’ car title serves as collateral.

It simply means that the lender, as part of their business process, keeps your car title temporarily as security during the term of your loan.

It also does not require having your own bank account. These short-term loans tend to carry a higher rate of interest than other sources of credit.

On the bright side, even if your title is with the lender, you can still drive your car during the pendency of the loan.

That’s why this type of loan is somewhat hassle-free. Lenders may have your car title as collateral, but you can still drive around and get your groceries.

The lien is removed when a loan is repaid, and the car title is returned to its owner. 

If you make defaults on your payments, the lender has the right to repossess the vehicle and sell it to obtain money and repay the borrower’s outstanding debts.

What Are Title Pawns?

To secure the loan, a car title pawn uses both the title and the physical vehicle, which the lender usually stores.

Borrowers receive more cash since the lender has both the vehicle and title in their possession.

Step 2: Pack Your Requirements

Although it is much easier to secure car title loans, it is still governed by laws like the Washington Title Pledge Act. 

The said law lays out the requirements for title loans acquired in Washington, including Pasco.

To secure car title loans, you must have the following requirements:

  • Government-issued ID (i.e., driver’s license)
  • Proof of income
  • Billing address to prove residency in Pasco, WA
  • Car registration
  • A lien-free car title under your name.

Why Do I Need All These Requirements?

For instance, the State of Washington requires that all title loan borrowers must be at least 18 years old.

The said law also requires that you and ALL borrowers MUST disclose personal information (i.e., name, social security number). 

That’s why they require an ID!

Proof of income is needed to ensure that you have regular earned money that you can use for payments.

But this does not mean that you need to be employed. One way to prove your income is to have benefits. 

As long as you have other benefits and proof that you can pay, your loan will be approved.

The most important thing to have is a car title. It proves that you are the owner of the vehicle and its details, including its year, make, mileage, and model.

Step 3: Turn in the Right Application for You

Now that you know the nature of these loans and their essential requirements, you can proceed with your application. You can either make your application in person or online.

The online loan application is simple, and it only takes about 15 minutes to complete.

You need to send the following:

  • Amount of Cash needed
  • Vehicle details
  • Personal information

If you are more comfortable conducting the loan process in person, you can personally visit the store and talk to an agent.

Step 4: Stop and Wait for Approval

After passing all the required documents, we will review the general condition of your vehicle. The condition of your vehicle determines the loan amount you will get. 

One of the options is to look into the Kelley Blue Book to determine the typical vehicle value on the market to date.

However, the laws on title loans in Washington limited the title loan amount to $2500.

Typically, many states do not limit interest rates in title loans. But not Pasco, Washington! The state also cut off the rate of interest to 25% per month.

Putting a ceiling on interest rates is somewhat safe to avoid being in more debt.

You might think that 25% is still quite high for an interest rate. Yes, that’s true.

But title loans companies charge these rates because they are lending to high-risk borrowers who commonly don’t have another option for loans.

Step 5: Pay What You Owe, Repayments

Got cash? It’s time to repay your lender!

Payment schedules vary. The full outstanding amount might require a single payment format at the end of the loan term. If the borrower cannot repay the loan in time, they can roll the balance over and take out a new title loan.

Washington title loan laws, including Pasco, WA, set the length of loan terms at 30 days.

This can be brutally short for borrowers with high amounts. Not repaying your debt in time can put you in a cycle of debt.

In Washington, you are prohibited from extending your loan process by only paying the interest.

The principal must also go down by at least 10 percent for ALL loan extensions. Here are two methods that the loan principal can go down 10 percent:

  • You can pay the lender at least 10 percent in addition to paying the interest
  • title loans company can take 10 percent from the loan principal

Step 6: Loan Closure

Finally, you can travel to Pasco, WA, without a lien in your vehicle. After paying your debts, lenders will return all your documents. You can go on and mind your own business debt-free.

Why Is Auto Title Loan Better Than Other Forms of Credit?

Title loans emerged in the market to cater to the needs of individuals with poor credit scores. During the loan process, lenders hold your title temporarily for security purposes.

Using your vehicle title as collateral is advantageous since you can still drive your vehicle throughout the duration of the title loan. 

Got a low credit score? No problem. Unlike acquiring bank loans, auto title loans companies are less strict when it comes to credit checks.

Even after conducting a credit check, lenders may still lend individuals with a low credit score if their car title is free of liens.


  • Faster loan process than what the bank offers
  • You can still drive your car even if your lender has possession of your vehicle title as collateral
  • NO bank account needed to obtain title loans


  • High-interest rate
  • Some lenders conduct a credit check
  • The short amount of time to pay
  • Lenders will repossess your vehicle and sell it if you don’t pay in time.

What Are Some Drawbacks of Car Title Loans

However, since it is riskier to lend money to people with poor credit, title loans put up high interest rates to ensure the risk. But if you obtained a loan from a credit union, you can get lower rates.

A borrower can lose their vehicle by defaulting on their payments due to personal circumstances or high rates of interest, which almost always have APR in the triple digits.

Moreover, you might lose more cash than what you borrowed. Once the due date is up, you need to make payments, or else your lender MIGHT repossess your vehicle.

One disadvantage of these loans is your lender can repossess your auto and sell it to a public auction.

Once that happens, the lender will use the money acquired during the auction to pay your loan.


And there you have it! Applying for a title loan is straightforward if you think about it.

Now you’ll have money to pay your bills and cover your needs with fewer formalities than other types of loans.

Sure, there are some drawbacks, but the pros outweigh the cons, ESPECIALLY if you’re in the middle of emergencies.

So go ahead and secure that loan to remedy your financial concerns!

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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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