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Home > South Dakota > Rapid City

Title Loans in Rapid City , South Dakota

How much cash can i get

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Location Information:

MC representative


3401 Cambell St Unit B
Rapid City
South Dakota   57701

Working hours

Mon - Fri: 9am - 7pm

Saturday: 10am - 5pm

Sunday: Closed


Title Loans up to $50,000


Montana Capital Car Title Loans Reviews

Contrary to my expectations, the loan service I chose, despite the initial concern about high rates, pleasantly surprised me with their exceptional customer service and flexible repayment options. The value I received from their support... far exceeded any concerns about rates, making them a reliable choice for my financial needs.read more
Tuncer K.
Tuncer K.
Although I have obtained loans in the past, I have never seen a company that provides loan conditions as liberal as this one. It was really amazing how easily payment plans could be customized to meet my unique requirements. Thank you... Montana Capital Car Title Loans!read more
Karen R. M.
Karen R. M.
I have previous experience with obtaining loans, but I have never come across a company that offers loan terms as flexible as this one. The ability to tailor payment plans to suit my specific needs was truly impressive.
I've taken out loans before, but never one as flexible as this company's loan terms. Their ability to customize payment plans according to my needs was impressive. Kudos to their professional and accommodating staff!
Vincent M.
Vincent M.
I found myself in a financial bind, and the team at this loan company was a lifesaver. They offered quick title loans in Rapid City when I needed them the most. The application process was smooth, and I got the funds I needed promptly.... Thank you for your fast and efficient service!read more
Eleanor A.
Eleanor A.
Acquiring a loan was a seamless experience with their check and title loans. The application procedure was straightforward, and their capable team provided guidance throughout the entire process. I was pleasantly surprised by how quickly I... received the money because it had a big influence on my condition.read more
Bruce F.
Bruce F.
I had already taken a loan, but the second lien title loans from this company provided me with additional funds. Their flexible approach made it convenient for me.Wonderful experience! Thanks!!
Jayne D.
Jayne D.
I had a great experience with this loan company for my payday title loan online. The application process was quick and easy, and the funds were deposited into my account promptly. The customer service was helpful and responsive. I highly... recommend their services for fast and convenient online payday title loans.read more
Guy J.
Guy J.
When I needed cash urgently, this loan company provided quick and easy commercial truck title loans.
Christine M.
Christine M.
I was having a lot of trouble locating a lender who could provide me with bad credit title loans. I'm so happy I came upon this business! They were really professional and were able to obtain me the loan I needed. They are without a doubt... someone I would advise in a circumstance like this.read more
Lucy G.
Lucy G.
Using a home title loan from this company was a very easy and straightforward process. The loan amount was fair and the interest rates were reasonable. I would definitely recommend this company to others looking for a home title loan.
Cherie B.
Cherie B.
I am very happy with the car title loan I received from this company. The process was very quick and easy, and I was able to get the money I needed right away. I would definitely recommend this company to anyone in need of a loan.
Billy T.
Billy T.
I have been with their agents for a few years now, and I really enjoy the quick services they offer. I was searching for getting a title loan in my neighborhood and thankfully found their agency! They are open 7 days a week which makes it... convenient for me to make payments for my title loan when I need to. The interest rates are quite high but in my experience, it is worth paying them if you need the money quickly. Thanks again!read more
Kristen S.
Kristen S.
When I was in a financial bind and needed a personal bad credit loan, I contacted Montana Capital Car Title Loans. They were extremely helpful and responsive, and my loan was approved quickly. I would strongly recommend them to anyone in... Rapid City in need of a loan.read more
Deandre A.
Deandre A.
I did some research and found a loan company that would give people with car title loans for bad credit. At first, I wasn't sure about them, but I decided to give them a try. I'm glad I did! I got the money I needed quickly, and the... service was great. I would tell anyone in a similar situation to use this loan company.read more
Nina R.
Nina R.
I was having trouble with my credit score. I needed a loan, but I couldn't get one anywhere. I had heard about companies providing title loans, so I figured that it was my only option for getting approval for fast title loan. I went online... and found this company. They were able to provide me with the money that I needed immediately! Thanks!read more
Cassandra J.
Cassandra J.

3 Easy Steps to Get a Car Title Loan in Rapid City

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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.

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Car Title Loans

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The vehicle’s title

Personal details




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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

Get Quick Title Loan Online in 3 Easy Steps:

1- Fill Up Online Request Form

2- Get Approved Instantly

3- Receive Funds

Some Important Title Loan Information in Rapid City, South Dakota

Interest RateNo limit
Loan Amount (Maximum)No Limit
Loan FeeNo Limit
Loan Duration1 month (4 renewals allowed if you paid 10% of the loan, plus fee and interest)

Source:  Loans.org

Key Takeaways

  • Title loans are short term loans that require a vehicle title as collateral.
  • Title loans do not depend on credit score but on vehicle value and monthly income.
  • While you take out a loan using your car title, you can still keep and drive your car.
  • You can use title vehicles like RVs, motorcycles, boats, trucks, etc. for the loan. 

What is a Car Title Loan?

A car title loan is a short-term, high-interest loan that uses your vehicle as collateral, thus allowing you to borrow money that you can repay in a few months. The loan typically comes with a repayment period of 1 to 36 months, and you can access funds equal to 25% to 50% of your car’s current value. 

Though you can keep driving your car, you must make payments in a timely manner to avoid vehicle repossession.

Benefits of Auto Title Loan

The good thing about title loans is:

  • The loan process is quick 
  • You may get approved, even with a bad credit score 
  • You only need a few documents for approval.

Documents Required For Title Loan Approval

The initial requirements for a title loan are typically simple and straightforward. To get approved for a title loan, you will usually need to provide the following documentation:

Car Title 

Your car must have a clean and lien-free title. This proves that you own the car outright, with no outstanding debts or claims against it.

Government-issued Identification

To verify your identity, you must have a valid government-issued identification document, such as a driver’s license or passport.

Income Documentation

Lenders need evidence of income to guarantee they can repay the loan. Recent pay stubs, bank statements, or any alternative income can be included.

Proof of Address

A document that proves your present residence, such as a utility bill or lease agreement.

Vehicle Registration

Your car’s registration can be required by some lenders as part of the document requirements.

Information on Insurance

Certain lenders could demand documentation of the vehicle’s insurance coverage.

Can I Get Approved Even With Bad Credit?

Yes, you can get approved with bad credit. Unlike traditional loans, which are mainly based on credit ratings, title loan approval takes into account two crucial parameters.

  • Your ability to repay the loan
  • Value of your vehicle 

Lenders often evaluate your present income and financial condition to verify that you can make regular repayments. 

Thus, the more valuable your vehicle, the more you may borrow. So, even with a poor credit history, a steady income with significant value in your car might help you get a loan.

Is There A Prepayment Penalty On A Title Loan?

One good thing about these loans is that many lenders don’t charge any extra fees for paying early. This means that if you have the money to pay back your loan before it’s due, you can do it easily and without any prepayment penalties. 

But it’s a good idea to check with your lender to make sure they don’t have any special rules about early payments. Most title loan agreements are flexible, so you can pay back your loan early and save on interest and fees.

What Can I Use the Title Loan For?

Title loans offer a convenient and swift solution for various financial needs. With the flexibility they provide, you can use the borrowed funds to cover a wide range of expenses, ensuring you have the necessary financial support precisely when you need it. 

Here are some common purposes for which you can use the money from a title loan:

  • Covering unexpected expenses
  • Addressing financial emergencies
  • Consolidating debt
  • Paying off outstanding bills
  • Covering daily living expenses
  • Business Opportunities
  • Medical bills
  • Car repairs
  • Utility payments
  • Other financial obligations

Will My Car be Taken From Me?

No, you can keep your car during the loan. When you obtain a title loan, your car’s title serves as collateral. However, it’s essential to understand that your vehicle will only be at risk of repossession if you fail to make your loan payments as agreed upon.

While repossession of your car is a possibility, it’s crucial to note that lenders typically view it as a last resort. They don’t want to take your car, but it becomes an option if you don’t fulfill your obligations and fail to engage with the lender to find a solution. Therefore, it’s essential to meet your payment commitments and communicate with the lender if you encounter difficulties to avoid this outcome.

Key To Retaining Your Vehicle

  • Thoroughly understand the loan terms
  • Ensure you can handle the payments
  • Keep an open line of communication with the lender. 

Many lenders are willing to collaborate with borrowers to find solutions that prevent repossession.

State Motor-Vehicle Registrations – 2020 Rapid City


Source: US Department of Transportation

Frequently Asked Questions

Aren’t Title Loan Interest Rates Considered High?

What Can Be Used for Collateral?

Can You Get a Title Loan on a Leased Car?

Get Instant Title loans Today!

Are you having trouble paying for an unforeseen bill or an urgent financial situation? If you are unable to obtain typical personal loans due to your bad credit, title loans may be your best alternative. However, remember that these loans should only be taken in emergencies.

To find out how much you can borrow, fill out the online request form. No obligation. Check it out right now—it’s free, safe, and quick!

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Have a bad credit score?
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