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Title loans in Sanford

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Mon - Fri:

9am - 7pm
10am - 4pm


Johnnie Thompson's Truck & Auto

1254 Upsala Rd


32771 Florida

Services available

Service type

GPS Installation Centers

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

Start your loan process at this GPS Center

How it works


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Montana Capital Car Title Loans 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.

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Great customer service

No other financier will give you better customer service, and many of them won’t give you the time of day.

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Loans for low credit score

Montana Capital has a reputation for working with customers with all sorts of credit score.

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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.

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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.

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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!

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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 Sanford, Florida: The Ultimate Guide

Did you recently hear about car title loans from a friend but don’t see much useful info for loans in Sanford, FL?

Or are you thinking ahead in case you will need one in the future?

We hope you will never need one in your life, but it’s good to be ready just in case of emergencies and sudden bills to pay.

We’re here to help if you need more information on car title loans — right from the basics and more!

Car Title Loans: What Are They?

A title loan (also known as pink slip loans) is a personalized secured loan wherein the loan amount is based on one’s car’s equity (used as collateral) and the ability to pay back the loan.

This personal loan gives lenders ownership of the borrower’s car so the borrower can receive money fast.

Based on a lender’s criteria, all details of the loan are discussed with and agreed on with the borrower:

  • Loan amount
  • Interest rate
  • Payment period and schedule

The best thing about Sanford title loans is that the borrower can continue to drive his/her car like usual while paying off the loan.

Yes, you get to keep your car through it all.

This kind of loan is intended primarily for those who need cash instantly or quickly due to emergencies like medical bills, rent, tuition fees, household purposes, and more.

Sanford Title Loans

In Sanford, car title loans typically amount to up to 80% of the car’s value.

The minimum loan amount is usually $2,500, although it is also possible that minimum loan amounts vary depending on one’s situation.

Applying for a Car Title Loan in Sanford, FL

We’ve got all you need to know to start with your car title loan processing.

Simply follow the steps below as your guide for loan application:

Step 1: Choose Your Car Title Loan Company

This first step is crucial. Do not rush this.

You must pick the right title loan company for you as they will be the one to connect you with a lender.

Choose title loans serviced by reputable companies.

Conduct research, check reviews, and read read read!

Below are some factors to reflect on:

  • Interest rates
  • Duration of the loan
  • Monthly payments
  • Repayment options

NOTE: Although there are title loans serviced by these companies, they are not a bank, a credit union, nor are they the actual lenders. They also do not offer or service student loans.

Step 2: Accomplish Online Form

To simply apply online, go to the website of your chosen auto title loan company and proceed to fill up their application form.

This will only take a few minutes and will ask for basic personal  information:

  • Name
  • Phone
  • Email
  • Zip Code

And of course, some car details too:

  • Make
  • Model
  • Year
  • Trim
  • Estimated Mileage

These companies usually have a pool of live agents that can help and guide you through the whole process if needed. Do not hesitate to give their hotline a call.

Step 3: Submit Required Documents

After applying online, you will have to submit the required loan documents for their assessment.

Below are the typical papers needed:

  • Car Title
  • Government-issued ID
  • Proof of Residence
  • Proof of Income
  • Pictures of Car
  • Car Registration Rapers
  • Insurance Papers
  • Contact Information for Two References

Step 4: Wait for Approval

Next, your loan proceeds will be pending review and up for conditional approval.

The title loan company will review and assess your application to see how much money you can borrow.

They will connect you to the lender directly to discuss loan amounts and competitive interest rates.

Step 5: Bring Car for Inspection

Once pre-approved, the next step in the loan process is inspection.

This is done to ensure that your car matches the title declared, and it will determine how much money they will be able to lend you.

You have the option to drop by the specified locations or simply upload photos of the sensitive required part.

Step 6: Receive Cash

If your car’s condition has been documented and the application approved, you can now receive your cash!

Yes, funding time may be only a very short wait ⁠— typically just one business day.

The different auto title loan companies offer various ways to redeem your cash, like direct deposit.

Things to Consider for Car Title Loans in Sanford, FL

Aside from the loan process for application and approval, it’s best to make sure you’ve also got some other few things covered before you send in those requirements.

Securing these may increase how much money will be lent to you for your financial relief.

1. Fully Paid Car

Ensure that you’ve got the payments to your car all in check.

What we mean is that your car should be completely paid for and that you own your car outright.

However, if you’re down to the last few payments, that shouldn’t be much of a problem. Qualifications vary per lender.

NOTE: A fully paid car will increase its equity value.

2. Source of Income

What lenders look for is proof that you will be able to pay off the actual loan amount borrowed.

With that being said, a consumer qualifies if he/she has verification of income sources.

So yes, you actually don’t need a job to be approved for auto title loans. Other income sources could be business revenue or pension.

Advantages of Getting a Car Title Loan

Sanford title loans are getting more buzz, and for good reason!

It’s definitely got its edge above other title loans. Let us tell you why:

#1 Easy Application Process

You can do all the steps to qualify for Sanford title loans within minutes, as you don’t even need to get up from your seat to apply online!

After submission, just sit tight while loan processing is taking place. This may also just take a few minutes ⁠— no need to visit a branch, line up, schedule appointments and all of those other time-consuming steps.

In addition to this, they do not require any complex documents, unlike traditional banks.

That is the beauty of this kind of loan compared to other loans.

#2 Same Day Funding

If you are able to quickly and smoothly go through the loan application and final approval process, you may be able to claim your cash within the same business day!

It’s THAT swift and easy if you do your part.

#3 No Prepayment Penalties

Most Sanford title loans companies do not impose any payments if you fully pay early before the agreed period.

However, it’s still best to double-check this with your lender.

#4 Little Importance on Credit Score

Don’t let your credit score scare you.

Some lender’s credit criteria will include a credit check to view your credit history; however, that’s all it may be. History.

Having bad credit will not necessarily affect your application for auto title loans since your car is what will be used as collateral.

They will focus on your car’s equity value, as well as your capacity to make your monthly payments.

The lenders just need to have something to fall back on if ever you fail to repay the borrowed money.

A credit check or your past credit decisions should not greatly influence their overall decision or how much money they will lend.

#5 No Need for a Job

As mentioned previously, you don’t necessarily need to have a job (whether full-time or part-time) to qualify for online title loans.

HOWEVER, you do need to demonstrate ability to pay back the loan. Below are other sources of income:

  • Business
  • Retirement
  • Social Security
  • Pensions
  • Annuities

#6 No Need for a Bank Account

Along with not needing an actual job, you also do NOT need a bank account to receive a car title loan.

This may encourage consumers who really need the cash to try and secure one as it is easily accessible for any type of person.

#7 Keep Your Car

In the period where you are repaying, your car stays with you! Isn’t that sweet?

The lender will be the legal owner of the car, but you can carry on with your daily routine.

Drawbacks of Car Title Loans in Sanford, FL

Do car title loans seem too good to be true?

Unfortunately, they’ve got their own disadvantages too.

Make sure you understand all the terms before going into one.

#1 High Interest Rates

Car title loans usually carry high interest rates compared to other title loans services or credit cards.

These are short-term loans that need to be paid out within 24 to 28 months.

So if you are unable to make your monthly payments, there may be late fees which will further increase your outstanding balance.

Make sure to thoroughly discuss all terms of the loan with your lender to cover the annual percentage rate, how much cash you’ll be getting, and more.

#2 Risk of Car Repossession

In some extreme cases, borrowers may experience seizure of their car due to inability to pay off their loan.

This is a standard procedure that can happen if you can’t repay the amount you borrowed.

Frequently Asked Questions

Still feeling a bit lost?

We believe the additional loan information below can help you even more.

What Is Car Equity?

Equity is the difference between what your car is worth versus how much you owe for it. It is your financial ownership of the car.

You can do simple math to check yours!

If your car is worth more than you owe, then you have equity. However, if you owe more than the car is worth, you have negative equity.

Since lenders will use your car as equity as collateral, the more worth you have, the better.

Can I Get a Car Title Loan Without Insurance?

It is highly recommended that you have a comprehensive insurance plan to cover your car.

Nowadays, especially with the increasing popularity of car title loans, it is important for all parties involved that the car is insured in case anything happens.

There are too many risks in this uncertain world.

However, some lenders may still be agreeable to offering car title loans for cars that are not insured since they focus more on the equity of the car.

What Vehicles Can I Use for a Car Title Loan?

The most common acceptable property used as collateral for auto title loans may be a car; however, you are definitely not limited to that.

Below are some other vehicles that may be accepted as well:

SUVs or Trucks

The value of these vehicles tends to hold over time. They may even be worth more than other standard units.


If you own a motorcycle alongside your car (which is probably your primary use of transportation), you can opt to take a loan on your motorcycle instead!

This may give you more peace of mind as your main vehicle will not be impacted if anything happens.


If you’ve got a recreational vehicle just lying around your home, you may want to consider using it as collateral!

Commercial Vehicles

Yes, you can also take a loan using your commercial truck, 18-wheeler truck, semi-truck, and more!

What Does It Mean to Have a Lien-Free Title?

This simply means that your car title has no outstanding or existing loan with a creditor.

If so, your car is fully and truly yours without the threat of seizure or repossession.

This lessens the risk and boosts the confidence of any lender of a loan.

How Are Car Title Loans Different From Payday Loans?

Car title loans are easier to apply for since payday loans may depend on your credit score.

So if you’ve got bad credit, perhaps you should stick to a car title loan.

A payday loan is paid back in full after a certain period (usually 14 days) along with the agreed interest rate.

Apply for Your Car Title Loan in Sanford, FL, NOW!

We know there may be lots of other online sources for this kind of loan, but we hope we were able to simplify and narrow it all down for you.

If you catch yourself stuck in a financial bind, car title loans may be for you as you will be providing acceptable property — in this case, your car — in exchange for some quick cash.

Just don’t forget to understand all terms of the agreement with your lender and ensure your capability to pay off the loan.

With this article, you can be confident to take on a loan if need be!

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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