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Title Loans in Salem , Oregon

How much cash can i get

Find out now. It's fast, secure & free!

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Location Information:



1895 13th St SE
Oregon   97302

Working hours

Mon - Fri: 9am - 7pm

Saturday: 10am - 5pm

Sunday: Closed


Title Loans up to $20,000


Montana Capital Car Title Loans Reviews

3 Easy Steps to Get a Car Title Loan in Salem


Apply now

Apply either online or by phone. Montana Capital is here to help you get the cash loan of your car title fast and secured!


Get approved

Depending on how much your car is worth, how much money you need and your ability to repay you could get up to $20,000.


Get your cash!

Have your money sent directly to your bank, debit card or pick up your money at any MoneyGram location near you.

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


Car Title Loans

Online Title Loans

Bad Credit Loans

Payday Loans

Personal Loans



The vehicle’s title

Personal details




Get up to $20,000

Fast, secure & free quote

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

Car Title Loans in Salem: Cover Those Bills ASAP

Do you want to solve your money problem in no time?

You’ll be surprised to know that it’s an easy thing to do in Oregon. There are tons of title loans in Salem as well as in other neighboring cities.

Allow us to help you go through the entire process of obtaining car title loans. Indeed, you’ll be able to get the cash you’ve most longed for.

So let’s get to the topic now!

The Car Title Loan: A Brief Overview

Car title loans (aka auto-title loans or pink slip loans) let you pledge your car in exchange for the loan you have requested.

The title loan amount will be entirely dependent on the equity value (EV) of your vehicle. And you cannot request money that exceeds that value in Salem.

When you are going to pay the title loans will also depend on the lender. But the maximum loan terms in Salem are only up to 30-days.


Believe it or not, the title loan process is fast and simple. It’s possible to get the money on the same day if there are no recurring problems.

Some lenders also offer services like online loan transactions. So those who don’t feel like driving can continue binging K-Dramas on Netflix while awaiting a direct bank transfer.

Or it could be via other methods too. Most loan lenders are willing to adjust as long as it’s still convenient for both parties.

And that’s not only limited to preferences in payment options. A good lender accommodates any problem — be it about your credit, vehicle, title, or even simple ID issues.

It’s also important that we tell you you can still drive your vehicle even when you’re still paying the title loans.


What you must know the most about auto title loans is that it is highly risky. You will have to pay more than the loan amount you’ve borrowed.

In addition to that, it’s also possible to get your vehicle taken by the lender if you cannot complete the loan payments within the deadline.

And worst of it all, falling into the financial abyss could happen.

So be sure that you’ve got a well-laid plan on how you’re going to complete loan payments before the closing date.

A Step-by-Step Guide to the Car Title Loan Application Process

Here’s the detailed list of steps of what you’ll have to do to acquire pink slip loans.

Step 1 – Look for a Legitimate Lender

This is honestly the hardest part of all — the lender hunting. The reason for that is that scammers are continuously growing in every state. And it’s even possible to encounter one in Salem.

So it’s important to ensure that you’re trusting the right lender that gives you actual loans.

Here are a few signs to quickly spot possible predatory lenders:

  • They have no physical address.
  • They guarantee you’ll get through the approval process.
  • They pressure you to sign up for an auto title loan as soon as possible.
  • They are not transparent about the interest rates and other fees.
  • They are not registered in your state.
  • Their website is not secure.

A rightful title lender should…

  • Have excellent customer service
  • Verify your personal and financial background for fair loan approval
  • Disclose all expenses you will pay, including hidden fees
  • Have their website show padlock symbol and https in the address bar
  • Have proof that they are legally conducting a loan business in Salem

Step 2 – Fill Out the Application Form and Submit All Documents Required

You can proceed to fill up application forms once you’ve got yourself a trusted lender. The application forms usually have questions regarding your…

  • Personal details
  • Car details (with year, model, make, style, odometer, VIN, license plate number)

Main Requirements

  • Valid ID (like Salem OR ID or Driver’s license)
  • Clear car title
  • Proof of ability to pay the title loan (like recent tax returns, bills, pay stubs, etc.)
  • The vehicle itself for inspection

Supporting Documents

  • Vehicle registration
  • Car insurance
  • At least two car key duplicates
  • Pictures of your car (including all 4 sides)
  • Credit and bank account information
  • Proof of residency (like home utility bills, lease agreements, postal mails, etc.)
  • At least two references (with their phone numbers and addresses)

NOTE: You’ll have to hand your car title to your lender here. But you’ll get it back once you’re done with the loan payments.

Step 3 – Undergo a Verification Process

A loan officer will verify your Salem OR ID or any other identification to know if you’re a legitimate borrower.

But apart from those, there are TWO more important determining factors for your qualification.

Vehicle Inspection

Lenders will inspect your vehicle to see if it’s eligible.

Some loan agencies in Salem only approve cars, trucks, and SUVs. But some also accept motorcycles and even boats. So it rests on what your lender can offer loans for.

Your vehicle must also have ENOUGH equity value for it to be qualified for loans.

Credit Score

Some lenders might check your credit history too. It’s to know if you can pay the title loan. Basically, you’ll have a better shot with car title loans if you have a higher credit score.

Bad credit doesn’t completely squash your quest for a title loan… Some lenders accept other proofs aside from credit as long as they’re strong evidence proving your ability to repay the title loans.

You can present your most recent financial statements. However, the paycheck is the MOST convincing document to get title loans.

Step 4 – Review the Loan Quote

Congrats if you got a title loan approval.

What you’ll have to do next is review the summary of expenses that you’ll pay. You should write EVERYTHING there. These include:

  • Estimated interest rates
  • Value of your vehicle
  • Other additional fees

And don’t worry, by the way. These loan quotes are free. You can sign the terms of service once you’ve decided you’ll go for it.

Loan Amount

Like we said earlier, the amount of money you can borrow depends on the EV of your vehicle. And that value will be based on…

  • The car details you will provide
  • Its reselling price on the market
  • And the entire condition of your vehicle

So you can get a reasonable cash amount even with an old vehicle if you keep it in good condition.

You don’t have to worry if you think your vehicle is worth tens of thousands of dollars. Let’s go over some numbers and loan amounts, shall we?

  • MAXIMUM AMOUNT: $50,000 (according to Oregon laws)

Interest Rate

Other states have capped the interest rate on car title loans. But Oregon did not go for that. The top title loan agencies in Salem usually have a triple-digit interest rate for car title loans.

Step 5 – Get the Cash

Your money should be there once you’re done with the loan process. As we mentioned, it’s typically ready within the same day of the loan application. 

But a lender in Salem can actually be done with the loan process as fast as 15 minutes.

You can get your money via…

  • Pickup
  • Delivery
  • Or direct transfer to your bank

Step 6 – Pay for the Loan

You’re technically DONE with the loan application procedure once you’ve reached this step. All you need to do is pay for the car title loans. 

You can also have it done in various ways, like how you receive your money.

Frequently Asked Questions (FAQs)

In Oregon, you’ll have to be AT LEAST 18 years of age to get a title loan. And of course, that’s with complete documents.

Expect that your bills will be higher than the initial total amount you’ve read in the terms.

You’ll have to pay 10% of the monthly principal to retain your vehicle. But don’t worry because you’ll receive a 10-day notice.

Loan renewal is also one available option you can resort to. But it’ll only work if you haven’t returned the money to your lender yet. However, this action is ONLY valid before the cut-off date. 

But if it comes to the worst situation… You will lose your vehicle along with tons of money you’ve spent on getting that title loan.

We can’t speak for every loan lender in Salem. But to be safe, you should have a positive credit history with title loans. Avoid defaulting on a loan as much as possible.

Here are the reliable title loan companies we’ve found in Salem:

  • Oregon Title Loans
  • Northwest Title Loans

As we said, you’re so lucky you’re in Oregon. You don’t need to own one to acquire title loans unless you’re in Florida.

We still highly encourage you to have one if you don’t have enough proof to pay the title loans.

Pointers to Remember

Now you’ve seen the detailed process of getting car title loans. But it’s totally up to you if you want to resort to it or not in case of emergencies.

It all depends on your financial capability of repaying the loan.

Because as you all now know, the interest rate for car title loans is EXPENSIVE. Oregon didn’t cap it.

So you may get higher rates than what you’ve expected. On top of it are the other fees that aren’t even included yet.

So, get car title loans at your own risk.

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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