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Home > Washington > Renton

Title Loans in Renton , Washington

How much cash can i get

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Location Information:

MC representative


205 S 4th Pl
Washington   98057

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 Renton

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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

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Bad credit – OK

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  • Apply online or call us
  • Get approved
  • Visit GPS Installation Centers if needed
  • Get the cash loan
  • Keep driving your vehicle

A Complete How-to Guide on Car Title Loans in Renton

Are you in need of money right now but don’t have anything stored in your piggy bank? There’s a way to get cash quickly in Renton, WA without having to sell a kidney or two.

Read on and we’ll tell you all about car title loans in Renton!

What Are Car Title Loans?

A car title loan is a type of loan that uses your vehicle as collateral.

In Renton, Washington, the loan term can last up to 30 days.

Car title loans can also be called vehicle title loans, auto title loans, pink slips, or title pawns.

While you might think it’s a huge hassle to get around town and do your errands without a car, it won’t be!

That’s because the lender only takes the title of your vehicle. You will still be in possession of your car since it’s registered under your name.

How Much Money Can You Get from a Car Title Loan?

You can get up to 2,500 USD from an auto title loan in Renton, WA.

The lender will determine how much cash you can borrow from the market value and conditions of the vehicle.

However, we advise you to only borrow the amount of cash you actually need.

If you can’t pay the loan back to the lender, your vehicle will be REPOSSESSED and may be sold over the next few days unless you can pay them back.

It’ll be a real hassle to get around town then!

What Are the Requirements to Get a Title Loan in Renton, Washington?

Before you get a vehicle title loan in Renton, WA, make sure you can hand the lender your proof of income.

This allows the lender to assess if you have the ability to repay them the money you’ll owe them.

Aside from that, there are additional requirements:

  1. A bank account and a valid ID you can present to them.
  2. Have your personal details ready as well, like your email address, contact number, address, and other personal information.
  3. You need to make sure that your car title is clean, meaning there are no lienholders attached to it. A lienholder is a lender who has interest in your vehicle until you pay it off in full.
  4. In some cases, you’ll also be asked for proof of residency.

However, other lenders may ask for different requirements so ask them ahead of time.

How Do You Get the Car Title Back?

To get your title back from the lender, all you need to do is pay back the cash you borrowed, along with the interest rate applied.

Once the owed money is given back, they will hand the title to the automobile back to you so you can breathe easily again.

What are the Documents Needed to Obtain Title Loans in Renton, WA?

Before getting a title loan, you’ll need to submit the following documents to the lender before you can proceed:

  • A valid ID
  • The car title
  • Proof of income

Steps to Get Car Title Loans Approved in Renton, WA

Are you ready to get approval for a title loan in Renton, Washington? We’ll guide you through the proper steps so you can get started!

1. Fill Out Your Application

After preparing all the details you need for your title loans application, you’ll need to fill out the application the lenders from Renton, WA, will give you.

Be sure not to miss anything so you don’t need to go back and forth with them.

The lenders will be with you while you fill out the application so you can discuss interest rates, your credit history, annual percentage rates (APR), loan amounts, and other terms you might want to clarify with them.

Don’t be afraid to ask questions regarding your contract if everything isn’t clear.

2. Get Your Car Checked

You’ll need to bring your car to the lender in Renton, Washington so they can properly assess the value of your vehicle and in turn, how much money you can get from the loan.

Apart from showing them your automobile, you’ll also need to submit the following:

  • Model
  • Make
  • Year
  • VIN (Vehicle Identification Number)
  • License plate
  • Miles

After that, all you need to do is wait for the lender to give their approval!

3. Collect Your Cash

Wait several business days before acquiring your funds. But there are cases where the lender will give you the loan proceeds in less than 24 hours.

And there you have it, you’ll have the funds for your needs!

Things to Look Out For

Before you sign up for title loans in Washington, be sure to remember a few things!

1. There Might Be Extra or Hidden Fees

It’s not unusual to find yourself gaping at the amount of cash you owe when dealing with auto title loans in Renton, WA.

One thing you can do is to go over your contract as much as possible and take a look if they’ve snuck in hidden fees in there.

If you find a pesky extra fee, you can ask the lender about it to clarify what those are for, or ask if it’s necessary.

2. Be Sure to Pay the Lender Back

You can’t just say you forgot to pay back the amount you owe or ran into problems when acquiring funds. That won’t sit right with lenders in Renton, WA.

Stay on schedule and don’t be late when paying back your loans.

Be sure to track exactly when you need to pay back your loan amounts on time unless you want to face the consequences.

3. If You’re Not Careful, You Could Lose Your Car

If you find yourself late on paying back your title loans, your car may be taken away from you.

In Renton, WA, there’s no need to go through a judicial process in order to repossess your vehicle.

If your car is essential to you and you don’t think you can handle paying back your credit, it’s inadvisable to acquire title loans.


Are Auto Title Loans Legal?

If you live in Renton, WA, you can relax.

While it’s true that title loans are restricted in some states, Washington issue permits for such things.

So as long as you’re dealing with a legal business entity from Washington, you won’t need to worry about the legality of your loans.

What if I Have Bad Credit?

Wondering if you can get title loans for approval even if your credit is less than desirable?

Not a problem!

Most lenders in Renton, WA accept most credit types. However, lenders may perform a credit check to verify if you can repay the loan.

This will mostly reflect through your source of income. As for lower credit rating applicants, this WILL AFFECT the interest rates you receive.

Generally, a higher credit will mean better deals and lower interest.

You can ask the lender if they’ll be performing a credit check or if they’ll be needing your credit for their requirements.

Can I Use an Old Vehicle for an Auto Title Loan?

So you have a car and you need a loan. But you’re worried that it might be too old for a title loan in Renton, WA.

There’s no need to stress about that.

A lot of lenders in Renton, Washington will take cars that are 10 years older or more. You’ll go through the same process as you usually would with a newer car and wait for their approval.

Keep in mind that because the vehicle is older, the value might go down especially if it’s not kept in proper condition.

What if I Don’t Totally Own the Car Yet?

What if you still have credit towards payment to your vehicle? Does that mean you can’t get title loans in Washington?

One thing you can do is get an equity car title loan instead!

When the lender concludes how much your car is worth, they’ll deduct the credit from the value of the vehicle.

The rest of the application process is the same and you’ll have to wait for a few business days for approval from the lenders in Renton.

An equity title loan is useful because even if you still owe money for the car, you can still get CASH out of it.

Before you try to find lenders who offer equity title loans, be sure that your vehicle has good equity in it. If you haven’t built any equity in your automobile, it’s possible you won’t be eligible for title loans.

Do I Have to Bring My Vehicle to Acquire a Title Loan?

If you don’t want to bring your vehicle to the lender in Renton, you can always send them pictures. Take pictures of your vehicle from all four sides and they’ll be able to assess the car in that manner.

To be safe, be sure to check if they allow that before sending them the photos first.

Are Cars the Only Kind of Vehicle I Can Bring for Title Loans?

No. You can also bring trucks or motorcycles in for title loans in Washington.

However, it’s best to ask the lender if they allow it just in case.

What if I Find It Hard to Pay Back My Loan Amount?

If you find yourself struggling to pay your title loan consider refinancing your title loan.

Contact your lender in Renton, WA, and inquire if you could refinance your loan.

If you go through the process to refinance your loan, you could end up with benefits like a better contract, lower interest rates, and longer repayment terms.

What if I Don’t Want to Go the Lender in Person?

If you’d rather not go through the hassle of going to a lender in Renton, WA, you can always look if the lender you want to take a loan from has a mobile app.

If the lender you want to take loans from has an app for applications, there’s no need to go to them in person.

Through the app, you can go through the SAME PROCESS as getting an auto title from the actual location.

Just submit all the requirements needed such as pictures of the vehicle, proof of income, personal details, etc. through the app.

After that, just wait for them to give their approval through the app.

Are There Alternatives to Getting Car Title Loans?

If you’re worried about the interest rate that might pile up when you take title loans in Renton, WA, that’s totally understandable.

That’s why we’ll give you a few alternatives to what you might be able to do if you don’t want to risk it but still get the emergency cash you need.

1. Short-Term Bank Loans

One option is to get a short-term bank loan in Renton, Washington.

The repayment period is quicker than that of a normal loan, wherein the loan should be paid on a weekly or daily basis.

You should consider the APR before getting into a short-term loan because it can stack up if you’re not careful.

2. Get a Co-signer

If you can’t seem to get a loan by yourself, one option is to ask someone to help you out by co-signing a loan with you.

If they sign a loan with you, they must understand that they’ll take the debt if you’re unable to pay it.

Ensure they know what they’re getting into because this could also affect their credit score if you’re unable to repay the loan.

3. Payday Alternative Loans

Getting payday alternative loans (PAL) from the Federal Credit Union in Renton, Washington is a good idea if you need a short-term loan.

The difference between PAL and Payday Loans is that the latter are cutthroat since they can add a fee of 15 USD to 20 USD for every 100 USD you borrow.

With PAL, the maximum APR they can impose is 28% with a processing fee of only 20 USD.

Remember, you can only avail of this service if you’ve been a credit union member for at least one month.


So there you have it! That’s what a vehicle title loan is!

It’s not really a bad deal if you consider that you get to keep your vehicle while it’s being loaned to the lender. All you need to do is make sure you have the capability of repaying back the loan amount you and the lender settled on.

Still, it’s understandable it’s not for everybody. There are dangers to getting a pink slip loan if you’re not cautious enough. Your credit score could drop, you could end up in debt, or lose your car.

So, do you think getting a title loan in Renton, WA, is worth it or not?

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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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