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Title loans in Richmond

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

Title loans in Richmond

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
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Rollin Thunder Car Audio

246 E Belt Blvd


23224 Virginia

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 Richmond

It’s hard to predict how a person’s life will turn out. Dangers and emergencies could happen and leave you in the air, financially speaking. In these times, you’d need cash FAST.

How to get loans that offer fast approvals in Richmond, VA? Why not take a gander at Richmond car title loans?

A title loan can be processed FAST and with little consideration for your credit history!

Are you interested? Read further to learn more!

A Car Title Loan Richmond, VA: What’s So Special?

The very natural question to ask at this point is, “What are car title loans?”

Car title loans, also known as auto title loans, are secured loans where you use your car title as collateral.

To further elaborate, the loan agent taking care of your loans will partially gain ownership of your car, and they will use that as the insurance that you will pay off what you owe.

“That just sounds like a pawn to me, though.”

The idea is somewhat similar; that’s true; sometimes, it’s even called title pawns. But they are still different in a few ways.

When you successfully apply for a title loan, you can still drive your car while having the requested loaned money.

You only lose ownership and driving rights to your car IF you cannot make the payments at the end of the loan’s pay period.

In addition to that, compared to usual cash loans, you need some sort of vehicle to avail of an auto title loan. As the name suggests, a car is the essential part of your car title loan.

What Makes Car Title Loans Different?

There are several reasons why you would get auto title loans instead of alternative types of loans.

If you’re from Richmond, VA, when it comes to a lending institution, there are places to choose if you want to avail of title loan services.

From Richmond Road to Broad St, many places to go.

Depending on your agency, they may have special incentives, promos, and additional benefits.

Cash advances, traditional bank loans, and payday loans have their pros, but title loans have unique points to consider.

Below are a few reasons why you may want to choose a title loan:

#1 Payment Plan Flexibility

Do you need some cash right now, but you do not have the means to pay the loan for the foreseeable future?

Car title loans can be long-term loans. It can be a short-term loan. However, you can negotiate for longer terms

Suddenly can pay early?

You can do that because of the general flexibility you’re allowed with these loans. Just make sure to talk to your agent about it

Monthly payments are less stressful with flexible loan terms.

#2 Split-second Cash For Your Financial Needs

  • Do you need fast cash?
  • Do you need a cash loan with minimal funding time?
  • Does preparing a mountain of requirements sounds like a big headache to you?

If so, it sounds like an auto title loan is what you’re looking for!

They can be processed before you can say “money.”

It’s suitable for emergencies, unforeseen bills, etc. The loan process can take as little time as a single business day from application to approval!

No need to wait while twiddling your thumbs when you can just get cash quick! So if you need the cash as soon as possible, a title loan may be a good idea.

#3 No Credit Check Required! (Usually)

You would need a good credit score with payday loans processing before your cash loans are approved.

However, with Richmond title loans, someone looking to get loans doesn’t need a good-looking credit report to get final approval.

Most of the time, at least.

In Richmond, VA, your credit usually won’t be inspected, given that all the basic documents are in order. Nevertheless, other lenders may still take a look at your credit history.

You don’t need the best credit history for most lenders to grant you auto title loans. However, those with bad credit are less likely to have better deals.

Those with a better credit score may get special promos or more competitive rates than those with bad credit.

While almost anyone can avail of Richmond title loans without regard to their financial situation, people with nicer-looking credit usually have an easier time getting a loan out.

Once you pass the lender’s credit criteria, title loans should be easy. It’s not pre-approved, but it’s still quite easy, even considering the credit check.

The List of Requirements for Richmond, VA Auto Title Loans

While the process for a title loan in Richmond, VA, doesn’t take too long, and the required documents aren’t a lot, you still have to be mindful of what you need to submit.

Depending on the state you’re applying for a loan in, the documents needed may VARY.

For example, the necessary paperwork can differ for Richmond, VA, compared to Mississippi.

And even within the state, you’re looking to get it from varying requirements depending on the lender.

So considering that, try to contact the specific lender you’re looking to get your loan from. Their customer service agents will surely be willing to help with the information you need.

However, here are the general requirements for all the residents of Richmond, VA:

1. Show Some Identification

One must be of the legal age of 18 to avail a title loan in Richmond, VA.

You need a valid ID for your loan application to prove that you are 18 or up.

So remember to have some form of government-issued ID with you. Your ID can be a driver’s license, passport, or identification when you come in to apply for your loan.

2. Prove That You Own The Vehicle

This is an ESSENTIAL part of the title loan process: the vehicle title.

If you want to take out a title loan, you need to prove that the vehicle you’re trying to use as collateral is yours.

Other than your vehicle title, certain lenders may also ask for your vehicle registration and insurance papers.

Just to make sure, it’s probably better to bring these documents with you when you come in for a loan application.

3. A Vehicle, Obviously

I think you don’t need to be told that you need to have a car to avail of a car title loan. But we’ll say it anyway.

Certain lenders may also ask to see the condition of your car to check how much is your car worth.

Sometimes, the actual loan amount you could receive may depend on the condition and value of your car.

And because of that, you may want to make sure that your car is in tip-top shape before applying for a loan.

4. Proof of Income

Most lenders want someone who can pay off a loan. That’s why you need to demonstrate ability to pay it off.

Certain lenders may authorize a cash loan without any proof of income. HOWEVER, you have to show that you have some means to pay back the loan at the end of your loan contract.

Here are some examples of alternative documents if you don’t have proof of income:

  • Bank account statements
  • Retirement checks
  • Social security income
  • Disability payments

5. Proof of Residence

Proof of Residence is also something you’ll need to get a title loan.

You need to confirm you are from the state you’re loaning in. It is illegal to avail of a title loan in certain states, so your financial institution needs to know if it’s legal to grant you one.

Here are some documents you can show as proof of residence:

  • Lease agreement
  • Phone bill
  • Utility expenses documents

How to Apply for Title Loans in Richmond: Step-by-Step

It is very easy to get title loans. If you follow the procedures, you can get processed in no time!

We’ll guide you through the loan step-by-step below, so let’s get to the proper way to get started:

Step 1: Fill Out Your Application

In our first step, if you’re looking to apply for a title loan, you need to provide your lender with the personal information they need.

You need to fill up all the personal information and contact information they ask for, and applying for loans should be quick.

Certain lenders may have the option for you to apply online for your loan. So if that’s a more convenient option for you, you should check if they have it.

In this step, you can negotiate your loan terms. You can talk to your lender about the loan amount, the interest rates, monthly payments, annual percentage rate, etc., about your loan.

Step 2: Submit Your Documents To The Lender

Let’s review the requirements you need to have on hand. Make sure you have the following items:

  • Identification documents
  • Title for the vehicle
  • The vehicle itself
  • Proof of income
  • Documents show valid proof of residence

Once you submit the required documents and items, you only need to wait for your loan to be approved. Double-check if your contact information and personal data are correct.

Step 3: Get Your Cash

This next part is the best part of the process, getting your hands on the fresh cash you need.

If all goes as planned and the lender has approved your loan, all left is to collect your cash. You can get it in person or through a direct deposit to your account.

You can now use your loaned cash for whatever you need. We encourage consumers to use it for business expenses, living expenses, utility expenses, fixing financial issues, and the like!

These loans are intended primarily for those kinds of uses.

Use your loaned funds wisely!

How to Apply for Online Title Loans?

You can now do everything online these days. Payday loans are online, so it’s only natural you can also get an online title loan.

This service makes it much easier to get an application anywhere you are. Although, you’re going to have to check with your specific lenders if they offer an online application.

The requirements are mostly the same.

  • Car Title
  • Photos of the vehicle
  • Photo of ID: Government-issued IDs like a driver’s license, passport, etc.
  • Proof of income: Bank account statements, pay stubs, etc.
  • Proof of residence: Utility expenses, phone bill, house title, etc.
  • References: You’ll need a character reference which may be personal or professional

It may sound easy, but there are other things to keep in mind if you plan to use an online application. There is no pre-approval or pre-approved here.

Certain lenders may check for bad credit like a normal title loan application. This has weight on whether the consumer qualifies and will weigh in their credit decisions.

An online option will be good if you need instant online cash as it can transfer straight to your bank account.

It can be as short as getting your money in just one business day. Assuming everything goes well, you’ll have your cash set.

Frequently Asked Questions

There is a lot to consider regarding the Richmond VA auto title loans application.

Even after the above explanation and step-by-step guide, there may be some lingering questions left in your mind.

So here are a few of the most frequently asked questions that we have tried to anticipate in case there are still certain things that are unclear about the process:

How Long Is the Processing and Waiting Time of a Title Loan?

It would take about a few hours to about an hour to process your title loan.

It depends on the consumer and their situation. But normally, you can get your cash in about an hour or, at the most, the same day.

There are various steps like pending review, pre-approval, or conditional approval. But rest assured, it will take no time.

The internet and amazing procedures of the best lender companies allow such fast processing to even happen!

It should be quick and easy to get your loan to pay emergency utility expenses.

How Much Money Can I Get From Richmond VA Title Loan Lending?

The loan amount you can collect is usually based on the value of the vehicle you want to use as collateral.

Federal law, Virginia laws say that minimum loan amounts vary, but you can get about 100 – 50,000 USD.

Tribal lenders don’t have to go along with federal laws, so it’s quite different.

Other customers can obtain more depending on the terms and how good their credit is.

So while title loans are great for those who may not have the best credit, it doesn’t hurt to have better credit when applying for one.

Can I Use Something Other Than a Car for a Title Loan?

It is possible to use a different vehicle as collateral! Some people used their boats as collateral.

If you have other vehicles in mind, such as boats, trucks, or even planes.

Make sure that you’re providing acceptable property with your lender of choice before you come in there with a monster truck.

Each lender has policies for what they will allow, so be a thorough consumer and check what you can use before making plans to take out a title loan with a specific place.

How Many Title Loans Can You Avail At A Time?

You cannot take out two with the same vehicle. HOWEVER, if you have another vehicle, you can use that for a title loan.

But be warned, you’re risking your vehicles, and having two loans simultaneously may not be the best idea for someone in financial trouble.

Adding to your loans may be asking for unwanted trouble.

Two loans with high-interest rates adding up on top of risking the loss of two vehicles simultaneously probably won’t be a good idea even in an emergency.

You want to avoid repossession.

Are There Any Hidden Fees?

There are a lot of hidden fees to look out for if you’re scouting for title loans.

Here are several fees that you may want to consider or check for these fees with your lender before getting a title loan. High-interest rates aren’t the only pitfalls when it comes to loans.

  • Insurance fees
  • Late penalties
  • Transaction fees
  • Appraisal fees
  • Prepayment fees
  • Transaction fees

Always be sharp when dealing with money, so keep an eye out so you won’t lose any more money than you initially intended to.

You Can Now Get Title Loans in Richmond VA

You can now find title loans at a competitive rate.

You only need to go to look for a lender, fill in the applications, submit the necessary documents, and you should fare just fine.

REMINDER: Title loans are quite easy to take out. But that also means that it’s also equally easy to lose your money.

Be scrutinous in your choice of lender and watch where your loan proceeds go.

The next time you need a loan to pay off some emergency bills or utility expenses, you know all you need to get a successful application! You can now go to Broad St. to get a Richmond VA title loan 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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