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Title loans in Port Charlotte

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

Title loans in Port Charlotte

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.
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


SouthWest Florida Customs LLC

19200 Peachland Blvd Unit 602

Port Charlotte

33948 Florida

Service type

GPS Installation Centers

Start your loan process at this GPS Center

How it works


Our main

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


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 Port Charlotte: Walkthrough & Guidelines

During emergency situations and unexpected expenses, you want FAST CASH as soon as possible. Car title loans may just be the solution you’re looking for.

In Port Charlotte, Florida, car title loans can give you access to money fast.

Aside from getting instant cash, the application process is easy and convenient, too!

What’s more, borrowers are protected because title loan lenders are required to be licensed, thanks to the Florida Title Loan laws.

This article will answer the What, Why, and Hows of car title loans. Read more about the important things you need to know about Port Charlotte title loans and find out why it’s the smart solution for your short-term financing needs.

What Is a Car Title Loan, Anyway?

A car title loan is a short-term loan that uses your vehicle as collateral.

This simply means that you need to give your car title to the lender as a form of security for the loan. There is absolutely NO NEED to turn over your car, only the car title!

SIDE NOTE: Don’t be confused when you hear vehicle title, title pawns, or auto title loan. They all refer to the same thing!

Here are some other terms you need to familiarize yourself with:

Loan Amount

The loan amount for auto title loans in Port Charlotte, Florida, is around 25-50% of the car’s value.

On average, you can borrow between $100 to $5,000 in cash from title loans, but some lenders in Port Charlotte can lend money for more than $10,000.

The final approval depends on several factors, such as the current market value of the vehicle and the applicant’s financial status, among others.

Loan Terms

This short-term loan can last from 15-30 days but can be extended up to a year.

Interest Rates

When it comes to interest rates, an auto title loan is more comparable to payday loans.

You will come across the Annual Percentage Rate (APR) in the loan documents. This means the interest rates are expressed annually.

Car title loans generally have an APR of 300%. This rate may not be for everyone, especially when you compare it to the loans given by bigger financial institutions such as banks that offer more competitive rates.

What sets title loans apart from other traditional bank loans in Port Charlotte is the no-fuss loan application process.

No need to wait for the next business day. You skip the long waiting lines,  heavy paperwork and the rigid credit check, and more importantly, you get the cash fast!

Why Get a Car Title Loan?

There are several reasons why title loans in Port Charlotte are increasingly in demand:

1. Loan Process Is Convenient

The application process is more convenient because many lenders of car title loans in Port Charlotte, FL, have a digital platform.

You can apply online from the comfort of your home.

You avoid the hassle of falling in line at the bank and other credit institutions and dodge the piles of paperwork. All the required documents are within reach! (more on this later.)

Upon submitting the loan application form and the requirements, the cash can be released the following business day.

Most lenders of Port Charlotte title loans can even release the money on the same day, assuming all the requirements are complete and in order.

Loan processing at the storefront is also an option, depending on the loan agent. The bottom line is it doesn’t matter whether you are borrowing the minimum loan amount or not.

With the right lender, the convenience of the borrower is always given the topmost priority. 

2. Flexible Payment Terms

The loan terms are detailed in the Port Charlotte title loans application form.

Feel free to discuss the payment plan you can afford before finalizing the title loan. Most lenders can give consideration and come up with flexible payment terms.

3. No Stringent Credit Check Required

If you are wary of getting a title loan in Port Charlotte, FL, because of a bad credit score in your credit history, don’t worry.

It is still possible to qualify for an auto title loan as long as you can prove that making payments will not be a problem.

Credit decisions are not solely based on one’s previous payment history!

Even if you apply for a title loan in Port Charlotte, FL, with bad credit, you still have a chance to be approved and get the much-needed cash.

The background check is not as strict as its traditional counterpart in the lending industry. 

TAKE NOTE: Lenders may still opt to perform credit checks in Port Charlotte, FL. Don’t be misled by instant pre-approval promises.

The pre-approval process remains at the discretion of the lender when it comes to title loans.

Since it is a secured loan, the lender needs to check the condition of the car to determine the market value of the vehicle being put up as collateral.

4. Borrowers Are Protected

Contrary to some articles that claim title loans are not safe, in the state of Florida, loans are regulated under the Florida Title Loan Act.

Under these state regulations, lenders must be REGISTERED and LICENSED. With this, you can be assured that predatory lenders cannot operate in Port Charlotte, FL.

5. Vehicle Remains in Your Custody

Once you get a loan in Port Charlotte, FL, you are required to surrender the vehicle title only — NOT the actual car.

Therefore, you are free to use your car during the loan term. Lenders will only hold on to the car title until the loan is fully paid.

How Do Car Title Loans Work?

A title loan application is very simple, especially in Port Charlotte, FL.

It basically involves 3 easy steps:

#1 Application Form

There are several channels to do this. Just simply fill up the form…

  • Physically at the storefront
  • Through a phone call
  • Or you can apply online

A combination of any of these is also possible in Port Charlotte, FL!

Once the documents are pre-approved, you can proceed to the next step.

#2 Valuation of Your Vehicle

An important component in Port Charlotte, FL, auto title loans is the actual vehicle being put up for collateral.

Therefore, lenders have the obligation to verify and evaluate the general condition of the vehicle.

There are several factors that affect the loan amount.

  • Vehicle Year
  • Make
  • Model
  • Mileage

#3 Collect Your Instant Cash

The best part of a title loan is getting the cash needed. It can be through direct deposit to your bank account or an actual cash receipt at the storefront.

Of course, it doesn’t end with collecting the cash. The critical part is to make sure that you set aside money for the loan payments.

Requirements of Auto Title Loans in Port Charlotte, FL

The prerequisites may vary from lender to lender. Although they are not uniform, these are the top 3 basic requirements for loans:

#1 Vehicle and Car Title

Aside from the vehicle, the car title registered in the name of the borrower is the most important requirement.

The title must be clean and free from a lien. This means that the car should NOT be under any debt and that no one has a legal claim over it.

The vehicle may also be required to undergo a physical inspection. This is why instant pre-approval is generally not offered in secured loans such as title loans.

On a case-to-case basis, borrowers are asked to submit pictures of the vehicle from all sides, including the interior and exterior, as well as the odometer.

#2 Identification

All the personal information indicated in the loan application form needs to be validated by the lender. The following government-issued ID will be accepted:

  • Drivers License
  • Passport
  • Social Security Card
  • State ID

Aside from a government-issued ID, the lender can specify if there is a need to present secondary identification containing the borrower’s contact information.

#3 Proof of Income

The ability to pay the loan is the foremost consideration that a lender will look for.

Proof of income can be in the form of a payslip from the employer or financial documents that reflect entitlement like pension, annuities, business documents, etc.

It is important to note that employment is NOT a prerequisite to qualify for a title loan in Port Charlotte.

Other Requirements

These are secondary requirements that the lender may ask for:

  • Insurance – You may be asked to present the vehicle’s current insurance. 
  • Bank Account – Unlike payday loans, where a bank account is a prerequisite, such is not the case in a car title loan. If the lender directly depositing the cash in your bank account is the preference, then you may be required to open one. Discuss with the lenders if they have a preferred bank. Otherwise, your existing account with any bank in Port Charlotte, FL, will do.
  • Personal References – In addition to the IDs, a lender may ask for 3 to 5 names of people who can ascertain the personal information you provided. These personal references can be co-workers, business associates, colleagues or friends.

IMPORTANT NOTE: Relatives are typically not accepted because of their personal bias towards you.

When you list someone as a reference, you have to provide their names, addresses, and phone numbers, including home/cell and work numbers and email addresses.

Who Should Apply for these Car Title Loans?


A bona fide resident of Port Charlotte, Florida, who owns a vehicle registered in his/her name is qualified to apply.

Those In Need of Emergency Funds

Generally, title loans are used to pay for expenses related to emergency situations.

If you suddenly come across an unexpected expense and happen to own a vehicle, then you can be a good candidate.

The common uses of a car title loan in Port Charlotte, FL, are:

  • Medical-related bills
  • Home repair/ renovation
  • Appliance repair or purchase
  • Tuition fees

TAKE NOTE: It is not recommended to take out a loan to pay for regular bills like rent, mortgage, utilities, or credit card payables. This will not be cost-efficient, given the higher interest rate.

Those With Low Credit Score

Title loans gained popularity because they tapped a market (those with low credit scores) that was otherwise considered “un-loanable” by conventional financing standards.

It turns out that many people have the capacity to pay for a loan but were turned down because of past bad credit history.

With a title loan, the processing time is cut short because instead of focusing heavily on a background check for bad credit, the lenders just look into the vehicle’s current market value.

But that is not to say that there WON’T be any credit check. All we’re saying is that the primary consideration for the loan is the car value.

Factors to Look Out for in a Title Loan

#1 Risk of Repossession

Repossession is a possibility if you’re unable to pay for the loan within the prescribed period stated in the loan agreement.

Even if you’re making partial payments, there is a risk of losing your car.

That’s why, before going into any secured loans (with collateral), consider the risk involved!

This should not deter you from taking out a loan. It will only happen after all remedies have been exhausted. Work closely with your lender to avoid repossession.

#2 Rates, Fees, and Other Charges

The Truth in Lending Act (TILA) disclosure is usually incorporated in most consumer loans contract.

We cannot emphasize this enough, but before signing the contract with the lender, look carefully at the following:

  • Annual Percentage Rate – This is the cost of the credit computed at a yearly rate.
  • Finance charges – This is the total amount of interest and other fees that will be paid during the loan term. This follows that you make every payment when it is due.
  • Amount financed – This pertains to the amount of money being loaned to you by the lender.
  • Total of payments – This is the sum of all the cash payments you would have made at the end of the loan. It includes repayment of the principal amount of the loan plus all of the finance charges.
  • Other Fees – The TILA statement must also inform you of the number of payments, monthly payments, and all other fees involved. Watch out for processing fees, late payment fees, pre-payment penalties, and other so-called hidden fees that the lender might impose.

#3 Unethical Schemes to Avoid

It’s not all rosy in the title loan industry.

Even though federal policies are put in place to protect the rights of the consumer (in this case, the borrowers), there are a few rogue lenders who use unethical methods to deceive the public.

Watch out for these schemes:

Bait and Switch

This is when unsuspecting customers are lured into longer loan terms to raise interest rates.

This happens to repeat customers who assume that the rates they previously signed up for remain the same the second or third time around they need cash.

The way it works is that the lender offers a loan that is perceived to be the same as the title loan that was previously available. Because the fine print was not read, borrowers don’t realize that the lender actually switched the loan type into a consumer finance loan.

These types of loans are unregulated, come with higher interest, and offer less protection to the borrower.


Most states have a rate cap to protect the borrowers from excessive charges.

To work around this, the lender will say that the borrower “sold” the car to the lending company, which in turn leases it back with an interest that is over the permitted rate in that state.

In this scenario, the borrower pays monthly fees in the form of a “lease” to buy back his vehicle. If payment is not made, the car is repossessed, and the lender keeps the proceeds.

Fortunately, these schemes do not operate in the state of Florida.

In fact, there are many reputable and credible lenders in Port Charlotte. Always take time and do your research!

What to Expect in the Title Loan Contract

When you go for the contract signing, you will need to bring a government-issued ID and the ORIGINAL copy of the car title.

A typical title loan contract contains the following

  • Personal details
  • Information on the car
  • An agreement that you, as a borrower, understand the terms of the loan.
  • Specific loan terms and the payment schedule
  • Federal regulations of the state

By law, lenders are required to disclose the cost of the loan in VERY CLEAR terms.

Remember that you are not under time pressure to sign the loan document.

Don’t sign the loan contract if you have not reviewed the terms and the TILA disclosures.

These disclosures are required to be given to you in written form. Any form of verbal agreement with the lender is NOT VALID!

Conclusion: Are Title Loans Worth It?

After all that’s been said, you might be wondering: Do the benefits outweigh the risks?

Here’s the highlight of our discussion of Title loans in Port Charlotte, FL.

  • The loan process is easy, and the requirements are simple. No need to go the extra mile to get the documents needed
  • The money is released fast! You can even receive the cash on the same day.
  • You can apply even with a bad credit score.
  • The rates and terms are flexible. Just find the best deal and work out a scheme with the lender.
  • When you qualify for the loan, you can still continue using your car. You get the cash and still keep on driving!
  • On the low side, you will encounter higher interest rates. To get more competitive rates, find out the breakdown and tick off the extra fees that you can do without.

Understanding all the technical jargon in a loan contract can be daunting, but that’s why we’ve compiled all this information to guide you through this process.

Keep in mind that the best lender is the one who is TRANSPARENT and FLEXIBLE when it comes to finding the best option for you.

Time to apply and get that cash today!

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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