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Title loans in Pasco

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Sunday:

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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 Pasco

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

A & Y Auto Accessories and Alarms

931 W Court St

Pasco

99301 Washington

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

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.

Pros:

  • 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

Cons:

  • 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.

Conclusion

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!

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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