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Home > South Dakota > Sioux Falls

Title Loans in Sioux Falls , South Dakota

How much cash can i get

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Location Information:

MC representative


Sioux Falls
South Dakota  

Working hours

Mon - Fri: 9am - 7pm

Saturday: 10am - 5pm

Sunday: Closed


Title Loans up to $50,000


Montana Capital Car Title Loans Reviews

When faced with unanticipated bills, I considered turning my automobile into an asset. Vehicle title loans from this company proved to be an ideal answer. The process was simple, and I received the money I needed without the hassle of a... regular loan.read more
Lindsay D. B.
Lindsay D. B.
When I needed title pawn loans near me, Montana Capital Car Title Loans proved to be a trustworthy choice. The convenient locations, quick approval process, and fair terms made the experience stress free, and I highly recommend them for... anyone in need of reliable title pawn loans nearby.read more
Mark S.
Mark S.
Montana Capital Car Title Loans proved to be a reliable choice when I needed title pawn loans near me. Their convenient locations, coupled with a straightforward application process and fair terms, made the entire experience positive and... stress free, establishing them as my top pick for accessible financial assistance.read more
Zakary B.
Zakary B.
Montana Capital Car Title Loans provided exceptional service when I needed title pawn loans near me. Their local presence, combined with a straightforward process and friendly staff, made securing a loan a breeze. Highly recommend!
Jermain M.
Jermain M.
Excellent location for individuals who appreciate promptness. I was delighted with the service of one main financial title loan requirement.
Monroe C.
Monroe C.
Although I was skeptical, this company and its employees made the procedure simple and stress-free for me to obtain a bad credit auto title loan. Their customer service was outstanding, and their loan rates were fair. Thank you so much!!
Ohemaa S.
Ohemaa S.
I was hesitant to get a bad credit auto title loan, but this firm and their staff made the process easy and stress-free. Their interest rates were reasonable, and their customer service was excellent.
Danielle H.
Danielle H.
I found this loan company by Googling for "car title loan stores near me," and I couldn't be happier with the assistance I received. They made sure everything went well and without tension. The moment I walked in, their employees greeted... me with courtesy and professionalism. They made sure I received the required financial aid without any hassle.read more
Lois J.
Lois J.
I couldn't be happier with the help I received from this loan firm after searching for "car title loan stores near me." They ensured that everything went well and without stress. Their staff was courteous and professional from the moment I... entered. They ensured that I received the necessary financial assistance without any fuss.read more
Andrea C.
Andrea C.
Facing tough times with my credit, I thought getting a loan was impossible. But this loan company proved me wrong! They were understanding and didn't judge me based on my bad credit. The process was smooth, and they provided the financial... help I needed. I'm grateful for their support during challenging times. Really recommend!read more
Edith M.
Edith M.
I was pleasantly surprised to discover that this loan company offers pawn and still drive your car title loans. It was a game-changer for me, as I could leverage the value of my vehicle without giving up its use. 🤗🤗
Victoria R.
Victoria R.
When I needed fast cash, vehicle title loans from this company came to the rescue. The application process was simple, and I received the funds quickly. Highly recommended!
Trisha W.
Trisha W.
I was able to secure a good loan amount for my automobile thanks to the lending company's precise KBB valuation. The loan amount was reasonable, and I had no trouble getting the car. My experience with the company was really smooth and... highly professional.read more
Vera Y.
Vera Y.
I am very happy with the loan amount I received from this company. It was exactly what I needed and the process was very straightforward. I would definitely recommend this company to others looking for a loan.
Glenda B.
Glenda B.
I really liked this loan service as it was quick and easy to use. The interest rates were affordable and I liked that the loans came with no hidden fees. It was a great service to have when I needed cash quickly. I would definitely... recommend it.read more
Ann O.
Ann O.
I am really grateful to this loan firm for providing me with clear vehicle title loans. The entire process was really simple and hassle-free. I would definitely recommend this firm to anyone who is looking for a loan.
Troy G.
Troy G.
I have made a loan with Montana Capital and I'm glad that I did. I had a poor credit rating and was skeptical about being approved for a loan. But I was approved in less than 24 hours and took out a loan.
Devon S.
Devon S.
Thank you so much for providing me with the money I needed through auto title loan. To be honest, I was a little bit worried at first, but your company has been there when I needed help. I really appreciate that.
Celia G.
Celia G.
It is a legit company! I was given the exact amount of money I needed in a short amount of time by approved auto title loan. Very professional and prompt.
Blanca M.
Blanca M.
I've gone to a few other loan locations with other companies and this one is by far my favorite place for a payday loan. They are always polite and professional and they even offer to do the application online.
Jenn G.
Jenn G.
I would give 10 stars to this company if I could! Best place for getting a quick cash loan in Sioux Falls.
Maudie R.
Maudie R.
Had a great experience, the staff is very professional and friendly! I would definitely recommend this business for car title loans in Sioux Falls.
Lucy H.
Lucy H.

3 Easy Steps to Get a Car Title Loan in Sioux Falls

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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!

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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 $50,000.

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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 $50,000

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

Get Title Loans in 3 Easy Steps

  1. Request for a title loan
  2. Get approved
  3. Receive funds

Some Important Title Loan Information in Sioux Falls, South Dakota

Interest RateNo Limit
Loan Amount (Maximum)No Limit
Loan FeeNo Limit
Loan Duration1 month (4 Renewals allowed if the borrower paid 10% of the loan, along with fees and interest)

Source:  Loans.org

Key Takeaways

  • Title loans require placing a lien on your vehicle for the entirety of the loan.
  • Getting pre-approved is the best way to determine the value of your car.
  • Make timely payments to avoid defaulting on loan and getting your car repossessed.
  • You can refinance title loans for manageable payments and lower interest rates.

How Title Loan Lending Process Works

Title loans are short-term loans that are secured by your title’s vehicle. The lending process for title loans typically involves several steps:

  1. To start the process, you need to fill out an application with a title loan lender.
  2. The lender will base their loan amount on your vehicle’s value. 
  3. Submit documents like the vehicle title, proof of income, and identification.
  4. After receiving your documents, the lender will decide whether to grant the loan.
  5. Once the loan is approved, you will need to give the lender the title to your vehicle. 
  6. The lender will return your vehicle repossession after you pay off your loan.  

How Do I Find Out the Title Loan Value of a Car?

Getting pre-approved is the best way to find out the car’s value and how much cash you can get. Just request a title loan and provide some basic information about yourself and your car.

Lenders consider this information to determine the loan value of your car. They look at aspects like the car’s make, model, and year to determine its worth.

Additionally, using our title loan calculator, you can know in advance the total cost of the loan and its repayment schedule.

What Are the Qualifying Requirements?

When you have no other way to borrow money and an immediate financial need arises, title loans can be a good option to consider. In order to submit an application for a title loan, you will need to provide the following documents:

  • A clean title to the vehicle
  • Proof of identification
  • Proof of Residency
  • Ability to Repay the Loan
  • Registration and insurance for the vehicle

Can I Get a Title Loan Without Showing the Car?

Title loans require an inspection of the vehicle as collateral, but you don’t have to physically bring your car in for the inspection. The majority of Sioux Falls title lenders now allow customers to apply online and you can send photos of your vehicle.

You should photograph the vehicle from all sides, including the licence plate and odometer. The value of your title loan is based on the lender’s assessment of the photos you submit, which detail the current condition of your vehicle.

Should I Apply Online or Offline for a Title Loan?

Whether you apply online or in person is your personal choice. We advise applying online because it is fast and free to find out if you are pre-approved.

The online process is more practical because you can do it from the comfort of your own home. 

People who prefer discussing their financial circumstances in person may want to apply in person.

Is there a Prepayment Penalty on Car Title Loans?

No, lenders often do not impose prepayment penalties on car title loans and may even encourage early payoff to reduce interest costs and the duration it takes to pay off the loan.

You must check the terms and conditions of your loan agreement to ensure there are no costs associated with early payment.

Alternatives to Online Title Loans

If you are in need of short-term funding, you have a number of options available to you besides getting a title loan. Some of the title loan alternatives are as follows:

Payday Loan

Payday loans are short-term loans that allow you to borrow a small amount of money and pay it back with your next paycheck. Since these are unsecured loans, the interest rate is often higher than the standard loans, but they can be a good option if you have bad credit.

Using a payday loan, you can secure an amount of $500 for 31 days with an annual percentage rate of 36% in Sioux Falls, South Dakota.

Credit Unions

For users with bad credit, a credit union can be a feasible alternative to title loans. These unions have more lenient policies than other lenders, which makes it easy for you to get the loans at better rates.

Furthermore, rather than having to make a single lump-sum payment, you can repay the loan over time. However, there is only one condition – you will have to be a member of a credit union to qualify for their loans.

The Racial Composition of Sioux Falls, South Dakota

Black or African American6.76%
Two or more races5.46%
Native American1.84%
Other race1.13%
Native Hawaiian or Pacific Islander0.05%

Source: World Population Review

Frequently Asked Questions

If I Do Not Pay, Will My Car Be Repossessed?

Can I Refinance my Title Loan?

Do Title Loans Check Your Credit?

Apply for an Online Title Loan Today!

For people who need money quickly and have no other way to get it, auto title loans can be a good option. Getting a title loan online is not only very simple, but it’s also very easy. However, you must consider title loans only for emergency purposes.

Fill out a simple online request form and get instant funds!

Related Locations

Rapid City

3401 Cambell St Unit B, Rapid City, South Dakota 57701
View Location

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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