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Title Loans in Springfield , Ohio

How much cash can i get

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Location Information:



1429 Nagley St
Ohio   45505

Working hours

Mon - Fri: 9am - 7pm

Saturday: 10am - 5pm

Sunday: Closed


Title Loans up to $20,000


Montana Capital Car Title Loans Reviews

I used KBB to estimate my car's value and secured a car title loan based on that. The loan process was smooth, and the interest rate was competitive. Highly recommend this loan company!
Debora Morgan
Debora Morgan
The service I received from KBB Loan Company was excellent. I quickly received the loan value I required. Without a doubt, I would suggest their services to others.
I got a title loan from this company and it was super easy. The process was quick and the lien was put on my car without any problems. I would definitely recommend them to anyone in need of a loan.
Joanna Dean
Joanna Dean
I got my loan from this company and they were very professional. The terms were great and I was able to get the money I needed. If you are searching for "best title loans near me" then they are your go to option.
Harold Walker
Harold Walker
I discovered the Kelley Blue Book services to be very useful in determining the value of my vehicle. I would suggest their services to anyone seeking a high values of their car.
Frankie Webb
Frankie Webb
I was in a pinch and needed to get money fast to fix my car so I called Montana Capital Car Title Loans. They were able to loan me the amount I needed in just a few hours, for me, they are the best title loan company. The process was quick and easy and the best part is that they don't charge any hidden fees as most of these other places do!
Rose Gibson
Rose Gibson
I needed to borrow money fast, and this loan company really helped me out. I got my loan quickly and easily, with no hassle. I would definitely recommend them to anyone in need of a loan.
James Childers
James Childers
I was in an emergency situation and needed money fast. This loan company in Springfield was able to provide me with the funds I needed in a very timely manner. They were very professional and I would definitely use them again in a pinch.
Dalowar Hossin
Dalowar Hossin
After using the service of this company 3 times , I can confidently say that your company is just wonderful in terms of approving car title loans. I am now able to buy the things I need because of the low interest rates on the approved car title loans.
Maria Stewart
Maria Stewart

3 Easy Steps to Get a Car Title Loan in Springfield


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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!


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.


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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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The vehicle’s title

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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

Car Title Loans in Springfield, Ohio: What You Need to Know

Are you low on cash and have urgent bills to cover?

Do you have some damage repair or important things to buy for your house but are short on funds?

Well, look no further than SPRINGFIELD CAR TITLE LOANS!

If you are a resident of the Springfield area in Ohio, you can easily apply for a secured title loan and get quick funds to cover your expenses!

Continue reading to learn about the whole Springfield title loan process!

What is a Springfield Car Title Loan?

If this is your first time hearing about car title loans, don’t worry!

In simplest terms, a car title loan (also known as an auto title loan or pink slip loan) is a secured loan between a borrower (loanee) and lender (loaner/agent).

The borrower, the rightful owner of a vehicle, will surrender their vehicle’s title to the lender as collateral in exchange for monetary services, in this case, a loan.

This means the loaner is the rightful owner of the said vehicle until the borrower repays the loan amount in FULL.

Otherwise, the loaner has the right to repossess your vehicle!

It’s that simple!

So, it’s basically like a fair trade.

The borrower exchanges their car’s title for a loan, which they must pay back to the loaner.

Like with any loan, it is important to repay on time!

Things to Consider Before Applying

Springfield car title loans sound like a really good deal, right?

Yes, it may seem too good to be true, but there are a few more things you have to take into account before applying for the loan.

Is the Loan Amount Enough?

Consider what you need the money for.

Springfield title loans can offer a range of around $200 – $50,000, depending on your location, agency, and your vehicle’s equity value.

If you think this is an ample amount to cover your expenses, by all means, apply for that Springfield title loan!

Otherwise, you might want to look for alternatives.

After all, Springfield title loans are a short-term solution and not ideal for long-term solutions like buying a new house.

Can I Pay the Loan Back in Time?

Is there anything preventing you from paying the money back on time?

  • Like, say, not enough income or, you have not been paid yet?

Suppose you think there are any impediments to repaying the full amount on time.

  • In that case, look for other alternatives since the ability to repay is VERY important to the Springfield loan process.

But, if you think you have enough money and time to pay back the loan, there should not be a problem!

Is the Springfield Loan Agency Credible?

Anything that involves cash must be dealt with very carefully.

When it comes to loaning agencies in Springfield, you must find a credible and trustworthy one so that you do not get TRAPPED in a predatory loaning service!

Here are a few questions to determine if you can trust the company you apply to:

  • Do they have a license to operate an auto loans service in Springfield, Ohio?
  • Do they offer competitive rates?
  • How much can they loan me?
  • How is the customer service?
  • Are there any additional fees?

Remember to ask as many questions as you can to make sure there isn’t any funny business! Take note of all the details and conditions before signing anything.

Are Title Loans the ONLY Option?

Is there NO OTHER WAY to gain some quick money other than a Springfield title loan?

There has got to be other means of gaining some fast cash, but are title loans the BEST OPTION of them all?

If so, no problem!

Otherwise, it would be best to consider alternatives. These alternatives include:

  • Banks or credit unions
  • Payday loans
  • Credit card cash advances
  • Family and friends
  • Part-time jobs

Remember to do prior research on the other loaning methods process before applying!

How to Apply for a Car Title Loan in Springfield

After much debating, let’s say you have finally decided to apply for the loan. Let’s break down the step-by-step process to ensure everything goes smoothly!

Basic Requirements

But before we break down the steps, here are some important documents you must have on hand.

Even missing one of these documents could mean you do not get approved!

Proof of Identification

These documents should be EASY to get as everyone has some form of valid, government-issued identification.

You can present any of the following forms of identification:

  • Driver’s license
  • Passport
  • Birth certificate
  • Veteran health ID card
  • Voter’s ID
  • Social security card

If you are a student and want to present your student ID, it MIGHT be accepted, depending on the loaning agency.

Proof of Residence

Since you are applying for title loans in Springfield, it is required that you are a resident there.

  • You MIGHT still be able to apply for the loan if you are from out of state, but that will depend on your loaner.

The loaner will likely ask for your current address or proof of Springfield citizenship.

This requirement should not be a problem either, as most valid government-issued identification documents likely have your Springfield address already written on them.

Your proof of residence will also serve as a basis for the Springfield title loan being governed by the respective state laws.

Proof of Income

Proof of income is one of the more important requirements as it shows the loaner that you have an appropriate means of repaying the loan.

It is still easy to acquire, though; you can easily show them a payslip as proof that you have an income.


If you are unemployed or retired and have no source of income, you will have to negotiate with your loaning agent.

In some cases, you can tell your agent that you plan to get the money for repayment from your savings. If you are retired, you can acquire it from your pension.

Other alternative means of income include disability benefits or workers’ compensation.

Either way, there is a chance these modes of income are accepted as long as you clarify with your loan agent first and provide proof of such income.

Other Springfield requirements may include:

  • Clear vehicle title (meaning proof that the vehicle is owned by the borrower and not any third party)
  • Proof of car’s registration and insurance
  • Copy of social security card
  • Pictures of car and car’s odometer

Step 1: Apply Online

The first step to Springfield auto title loans is to submit your application form online!

The whole online application only takes a few minutes and can be done from the comfort of your bedroom!

Fortunately, you can apply for title loans ONLINE and not have to go through all the trouble of going to a physical office, waiting in line, etc.!

After submitting your online application, a loan agent or representative will contact you and give you a pre-approved loan quote.

The representative should contact you within one business day.

Step 2: Vehicle Inspection

Once your online application is done, you will subject your car to evaluation. Your loan agent will determine your car’s equity value in this step.

The equity value refers to the amount of money your automobile is worth on the market and will also determine how much exactly you can receive from the loan.

To determine the equity, the loan agent will look at the following components:

  • Model
  • Make
  • Mileage
  • Year
  • Other modifications (paint jobs, engine, accessories, etc.)

This step is VERY crucial for the Springfield title loan process as it determines the amount of money you can receive.

Hence, it is important to keep your vehicle in the best overall condition possible to receive as much money as possible.

Step 3: Claim Cash

Once the loan agent has assessed your vehicle, now comes the part you have been waiting for!

If the agent is satisfied with your vehicle’s condition and you lack no documents, you are now free to claim your money!

You can claim the money at any loaning location in Springfield or have it deposited directly into your bank account.

Step 4: Repayment

Of course, like with any loan, the most important part is the ability to repay the full amount on time!

Failure to return the loan has some heavy consequences!

If you do not repay, you could lose access to your collateral forever! The lenders have the rights to your automobile since they have the title.

This means they have control over what to do with it, and if you do not give them the money you owe, you do not get your collateral back!

Here are some TIPS to avoid a late repayment.

  • Avoid unnecessary spending
  • Set aside a separate budget used for paying the title loan ONLY.
  • Talk to your loan agent about paying in INSTALLMENTS rather than the full amount.
  • If worse comes to worst, seek help from friends or family.

Why You Should Apply for Title Loans in Springfield

There are a lot of advantages that come with title loans, and they can make a big difference in your financial situation!

Here are some reasons why you should say YES to title loans.

Credit Score is Not an Important Factor

A credit check is a financial assessment conducted by a credit union to determine one’s financial capabilities.

Credit scores are a big factor in determining your eligibility for title loans when it comes to banks or credit unions.


Credit scores are NOT a major factor in determining your eligibility for title loans, which is a big relief!

Granted, title loan companies may still perform credit checks, but they will likely not affect your eligibility.

All borrowers, regardless of good credit or bad credit, can apply for title loans in Springfield and be accommodated by a title loan agency!

If you have bad credit, rest assured that your loan agent will find the best plan that fits your current situation.

Easy, Same Day Process

As mentioned earlier, the online factor makes the Springfield title loan process so much EASIER!

Online title loans are much faster and easier than going to a physical location and waiting hours or even days to get approved!

The initial screening process takes about one business day; it also takes around that long to receive the money (provided you have all the required documents).

Or, if you are lucky, you can receive the money in a few hours!

Take Care of Payments

Whether for household purposes or emergency bills, title loans are a great way to secure the necessary payments!

And it is not just monthly bills that title loans can cover!

If you want to do some remodeling, damage repair, or you just want to treat yourself to something nice, you can use the funds for that too!

Ultimately, the money you receive from the Springfield title loan is yours to use however you like, as long as you pay the full amount back.

Flexible Lenders

As mentioned earlier, Springfield title loan lenders and agents are flexible towards their borrowers!

Since different residents and borrowers have different financial situations, your agent will adjust according to your needs.

  • For example, even Springfield residents who are unemployed or have no source of income are eligible to apply for title loans as long as they present proof of another source of income.
  • This all applies to Springfield residents with poor credit, as mentioned previously.

Make sure to communicate well with your loan agent, so they know what will work best for you!

Still Have Access to Your Car

The best part about title loans is still having access to your vehicle!

So you can still drive around the city of Springfield, Ohio, like you normally would despite being under another name.

Why You Should NOT Apply for Title Loans in Springfield

Of course, there are reasons why some Springfield residents would stray away from title loans.

There are some risks as well, and here are some of them.

Car Title is Under Another Name

As mentioned earlier, your car’s title is under a third party’s name.

If you have trust issues, it may not be the best decision to leave such a valuable under someone else’s name.

This means they have all the control over your vehicles and could sell or repossess it if you do not return the loan payment on time.

Additional Fees

Title loans are notorious for including hidden fees in their plans, which will cause the payments to pile up for the borrowers, and no one likes extra fees!

It is important to familiarize yourself with these hidden fees and double-check with your agent if there are any gimmicks or surprises.

Some additional fees may include:

  • Pre-payment penalties
  • Lender’s cut/fee
  • Transaction fees
  • Late fees
  • Extensions fees
  • Convenience fees
  • Repossession fees

High-Interest Rates

Some title loan agencies in Springfield are also avoided because of their high-interest rates.

High-interest rates make repayment more difficult for the borrower as it is not just the full amount they have to worry about repaying.

This causes debt payments to pile up, especially for residents with bad credit, whose higher interest rates may be higher.

It will be even harder if you have a low income.

Risk of Repossession

We’ve mentioned it several times, but the biggest risk is losing your car altogether!

Repossession is the result of a failed or late repayment. The owner of the car’s title has the right to sell or repossess your car as a consequence, hence collateral.

The loaner must send a 10-day notice to the borrower and the details of the auction.

If you don’t want to say bye-bye to your collateral, REPAY THE LOAN ON TIME!

Alternatives to Title Loans to Consider

If title loans don’t seem like the best option, there are other ways to make some quick funds to check out.

Each one comes with its respective pros and cons, so make sure to do prior research before choosing one!

Payday Loans

A payday loan is a short-term loan due on your next salary or when you receive income from another source like a pension or social security.

Some states limit the payday loan amounts to $500 or less and are due two to four weeks after the date of the loan was made.

However, this type of loan is not secured, meaning there is no collateral if you fail to return the payments.

Instead, lenders will charge a high-interest rate due in a short window of time.

Payday loans are considered predatory loans as they charge high-interest rates and do not give enough time for repayment, which is harder for those with low income.

Traditional Bank Loans

You can always get a loan the old-fashioned way, through the bank. After all, bank loans are the most common means of getting some funds.

You can be charged a fixed interest rate depending on where you borrow from!

Bank loans are also secured loans where you can have collateral.

However, banks and credit unions have a LONG screening process. This process includes a credit check, wherein credit score plays a major factor, interviews, paperwork, etc.

Additionally, the approval rate of some banks is not very high.

You could spend weeks trying to secure the loan and go through the long screening process only to get rejected.

Credit Card Cash Advances

A credit card advance is a short-term loan that you get from your credit card issuer.

These loans require a credit check since you will be borrowing from your credit card company.

Since you borrow from your credit card, expect this loan to charge high-interest fees, causing your debt to pile up over time.

Not only that, you will likely be charged a transaction fee together with a high annual percentage rate (APR).

There is usually a limit on how much you can borrow, and there is no grace period, meaning the repayment period starts once you finish making your withdrawal.

You can avoid a late repayment and higher interest fees by repaying as early as possible.


Pawning is similar to title loans, except instead of a vehicle’s title, you are offering a valuable item, like jewelry, antiques, electronics, etc.

The process is similar to a Springfield title loan!

All you have to do is present your valuable item to the pawn dealer and have them determine its worth, like how a loaning company determines the equity of cars.

Once the value has been determined, the dealer will loan you the specified amount!

Your valuable item will be left with the dealer and can only be reclaimed once the debt has been repaid.

Luckily, pawn dealers also charge very low interest, but if you fail to return the money, you could see your valuable item on the shelves of a pawn shop.

Family and Friends

If worse comes to worst, you can always rely on the trust of your friends or family to loan you some emergency funds!

This is probably the easiest and most accessible way for you to borrow some funds for an emergency.

After all, you and your friend or family member decide all terms and conditions. There are no bad credit checks, interviews, documents, etc.

It could not be easier!


Just because your family or friends are willing to loan you some money, it DOES NOT mean you will not do your part and not pay them back!

Like with all types of loans, the ability to return what is borrowed is the most important part, and that applies here too!

You do not want to ruin your relationships over something like this!

Part-Time Jobs

If you have no one or no place to borrow from or do not want to worry about paying someone back, you can always try earning income through part-time jobs.

It may not be everyone’s ideal way of gaining income, but you don’t have to worry about interest rates, bad credit, late repayments.

However, working part-time to make a high income will take a LOT of time. You will have to work hours upon hours just to make enough.

Plus, your income may not even be enough to cover your expenses, especially if you are trying to earn a large amount.

Frequently Asked Questions

After going through the Springfield title loaning process, you may still have some questions.

Let’s go through some common questions you may be asking yourself.

It depends!

Generally, loaning agencies will lend somewhere within the range of $200-$50,000! This will vary from agency to agency, but the determining factor is the market price of your vehicle.

The higher the market price, the more funds you can get!

With Springfield auto loans, if the process goes smoothly and you do not lack any requirements, you could receive your funds in as short as a few minutes to one business day!

You can have it directly sent to your bank account or claim it at any Springfield title loan location.

Of course, it all depends on the agent and your ability to return the funds on time.

Most Springfield loaning agencies have a repayment period of 30-60 days, but you can negotiate with your agent about this.

If you are lucky, you could be given one year!

You can ask your agent for an extension if you think that is not enough time, but doing so will accumulate interest.

Personal loans happen on a case-to-case basis, depending on the Springfield title loaning agency.

If you do not have any vehicles to use as collateral, you can ask your loan agent if you can apply for a personal loan instead.

It is ultimately up to your agent to decide!

Yes, residents can get a loan on two vehicles, but it is NOT RECOMMENDED.

Most Springfield title loaning agencies limit their customers to only one automobile at a time.

If you want to get a second loan, you might have to do so at a different loaning agency in Springfield.

It is also not recommended because you will essentially be paying for TWICE THE AMOUNT you get from just one loan.

If you think you have enough income to cover two title loans on two cars or vehicles (and if there’s no other choice), by all means.

No, the car itself is not required to be paid in full, but it IS RECOMMENDED.

A fully-paid vehicle means HIGHER EQUITY, which means you could get more money!

But if the car is still unpaid in full, it should not be a problem!

The only important factors are the required documents, the car’s overall condition, and the ability to return the payments.


Springfield residents can apply for the loan with a co-signer!

For example, if you are a married couple and want to share the loan, you can apply under both your names.


Make sure that both parties have the ability to return the loan on time! Otherwise, both will be affected!

Assuming it was not because of bad credit, your application could have been rejected for multiple reasons.

First, you might have been rejected because of your car’s overall quality.

As mentioned earlier, it is important to keep your vehicle well-maintained to be approved. Perhaps your agent was not satisfied with your car’s condition.

Second, it could be because your agent thinks you do not have the ability to return the loan. Maybe they see you do not have enough income to cover the settlement.

Lastly, there could be inconsistencies with your personal information or incomplete requirements.


Some Springfield title loaning agencies accept motorcycles, recreational vehicles, even boats to be eligible for title loans!

The process (and consequences) are pretty much the same, with the only difference being how much you could get as the amount varies per automobile.

Final Reminders

Before we wrap up, here are some LAST MINUTE REMINDERS to consider before applying for a Springfield title loan!

Always read the fine print – Ask as many questions and clarify anything unclear to prevent any mishaps or confusion before signing any agreement.

Not all vehicular models will be approved – If you have an older vehicular model, there is a chance it will not be worth a lot. You could even be rejected altogether.

REPAY ON TIME! – Nothing is more important than your ability to return the funds. Try to do so as early as possible!


That wraps up this long guide on Springfield car title loans!

Title loans are a practical solution to short-term financial problems in Springfield, Ohio, even for those with bad credit or solid income.

We hope this Springfield guide was helpful, and we wish you the best of luck with your financial situation!

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Have a bad credit score?
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