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Home > Virginia > Sterling

Title Loans in Sterling , Virginia

How much cash can i get

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Location Information:

(888)-700-8900
MC representative

Address

201 Davis Dr Unit NN
Sterling
Virginia   20164

Working hours

Mon - Fri: 9am - 7pm

Saturday: 10am - 5pm

Sunday: Closed

Product

Title Loans up to $50,000

Reviews

Montana Capital Car Title Loans Reviews

They helped me out when I needed it most by giving me cash for my car title. So compliments to them! Very easy and fast procedure; they even offered me a decent price for my auto title. I strongly advise them to anyone seeking to sell... their vehicle title for cash.read more
Bhemsing K.
Bhemsing K.
1714502603
I will never regret putting my trust in "Montana Capital Car Title Loans" in Sterling for my financial necessities. This loan process was outstanding because of the company's professionalism, clear conditions, and dedication to client... happiness. A name I can trust to provide solid financial backing.read more
Ernest P.
Ernest P.
1707973471
I had a seamless experience securing a loan against my car title through this service. Their efficient process and supportive staff made it quick and easy to access the financial assistance I needed, providing peace of mind during a... challenging time.read more
will G.
will G.
1707205070
Trusting my financial needs to "Montana Capital Car Title Loans" in Sterling was a decision I'll never regret. The company's professionalism, transparent terms, and commitment to customer satisfaction made this lending experience... exceptional. A name I trust for reliable financial support.read more
Charlene L.
Charlene L.
1706694381
Montana Capital Car Title Loans proved to be a reliable and efficient choice when I declared, I need a title loan for my car. Their knowledgeable team and straightforward process made securing the necessary funds a breeze, providing quick... and reliable financial assistance when I needed it the most.read more
Larry F.
Larry F.
1705746383
Opting for a loan against my car title with this service was a seamless experience. The quick approval, fair terms, and professional assistance made the process efficient and stress free, providing the financial support I needed against my... vehicle title.read more
Linda B.
Linda B.
1703138701
I had a seamless experience with Montana Capital Car Title Loans when I needed a title loan for my car. The team was helpful, and the straightforward application process made it easy for me to get the funds I needed without unnecessary... complications. Highly recommend for their customer-friendly service.read more
Emily B.
Emily B.
1701842318
It is a dependable option for title loans if you own an older vehicle. The terms were reasonable, and they understood the special needs of older vehicles. Thanks for the great service; I'll be using them again for any title loans on my old... car.read more
Nancy C.
Nancy C.
1701758331
Securing a loan against my car title was remarkably easy and efficient with this service. The streamlined process and fair terms made it a stress-free experience, providing the financial support I needed without any complications. Highly... recommend for anyone considering a loan against their car title.read more
Maxime E.
Maxime E.
1701756672
During a challenging financial period, this lending company proved to be a genuine lifeline. They extended a remarkable offer for a title loan in Sterling, playing a crucial role in restoring my financial stability. I express profound... gratitude for their support and the extensive assistance they provided during this challenging time. Their efforts have been truly remarkable! Many thanks to Montana Capital Car Title Loans!!read more
Matthew J. S.
Matthew J. S.
1700896327
When it comes to discovering the premier car title loans in Sterling, your quest concludes right here. This company delivers unparalleled interest rates, a straightforward application process, and outstanding customer service. I... enthusiastically award them a five-star rating for their exceptional service! Kudos to Montana Capital Car Title Loans for providing the best car title loans in Sterling!!read more
William
William
1700810698
If you have an older car and need a title loan, it is a reliable choice. They understand the unique circumstances of older vehicles and provided fair terms. I had a positive experience and recommend them for old car title loans.
Lizeth P.
Lizeth P.
1700627411
Montana Capital Car Title Loans is where borrowers may get the most flexible payday loan options from the industry's leading direct lenders. In my opinion, the application process was straightforward and easy to follow. Instantaneously, I... was given approval to borrow $500. Thank goodness for Montana Capital Car Title Loans I need a title loan for my car; I owe them a lot of gratitude.read more
Sadie C.
Sadie C.
1700579217
Montana Capital Car Title Loans is the finest place I've discovered to learn about loan against my car title. I requested a cash advance on the company's website on Saturday and received rapid, courteous assistance. Apply for a short-term... loan here.read more
Trinidadd W.
Trinidadd W.
1700305385
Although loans for old cars with titles can be dangerous, this organization prioritizes its customers. The entire procedure was simple thanks to their competent personnel and various repayment alternatives. Many gratitude! Thank you... Montana Capital Car Title Loans!read more
Brenda G.
Brenda G.
1699262232
Although I was worried about the terms of the loan, this organization provided flexibility and specialized options that were ideal for my needs. They had reasonable lending terms, and I liked the choices they offered. Thank you Montana... Capital Car Title Loans!read more
Janis B.
Janis B.
1698400301
I was concerned about loan terms, but this company offered flexibility and tailored solutions that fit my needs perfectly. Their loan terms were fair, and I appreciated the options they provided.
Sophia L.
Sophia L.
1696565374
When I needed financial assistance the most, this loan company stepped up to the plate. They offered me a fantastic deal on a title loan in Sterling, and now I'm back on track financially. Thanks for everything!
Dana C.
Dana C.
1696419804
I've struggled with debt for years, and thought I'd never be able to get a personal loan with bad credit. But this loan company surprised me by approving me for a short term loan despite my poor credit history. Their interest rates are... reasonable too. Thanks a lot!read more
Sanjay M.
Sanjay M.
1696331732
Old car title loans can be risky, but this company puts the borrower first. Their flexible repayment options and knowledgeable staff made the entire process seamless. Many thanks!
Norma C.
Norma C.
1695991954
With a secured title loan from this financial institution, I found the ideal solution. The crew assisted me at every stage of the procedure, making it easy and hassle-free. I appreciate how they appraised my possessions while giving me the... necessary financial support.read more
Judy M.
Judy M.
1692611889
During a period when I had a salvage title, I was uncertain about my eligibility for a loan. Nevertheless, this reputable loan company extended salvage title loans to me, providing essential financial assistance during a challenging period.
Crystal C.
Crystal C.
1690878778
I can confidently give them 5 stars for the title loan I received. Their service was efficient, and the process was straightforward. Thankful for their support during a time of financial need.
Minnie R.
Minnie R.
1689664112
I discovered the convenience of online title loans through this company. Their efficient and secure online process made borrowing funds hassle-free.
Wisdom S.
Wisdom S.
1685532999
With the loan company, I'm extremely satisfied. They were allowed to use my car title as collateral for a cash loan. Everyone in need of a loan should contact them, in my opinion.
Laurie W.
Laurie W.
1679908471
I had bad credit and I thought getting a car title loan was my only option. The loan company helped me get a loan with better terms and a lower interest rate. I'm so grateful for their help!
Rhonda K.
Rhonda K.
1675158462
The customer service at this loan company was great! They helped me through the process of placing a lien on my car title and made it easy for me.
Mindy M.
Mindy M.
1675081091
I was struggling to get approved for a loan from a traditional lender because of my bad credit. I was so happy to find a direct lender that was willing to work with me. The loan process was quick and easy, and I was approved for a much... higher amount than I expected. I would recommend this company to anyone with bad credit who needs a loan.read more
Candy J.
Candy J.
1672830263
I had some serious doubts about my ability to get a loan with my bad credit score. But, this loan company was very helpful and approved my loan quickly. They really are the best bad credit loan company out there!
Edith W.
Edith W.
1671951700
I needed cash fast and I found them as the best title loan lending company in my vicinity. They had the best loan rates and were nearest to my home location. Thanks for the help!
Julia F.
Julia F.
1669789059
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3 Easy Steps to Get a Car Title Loan in Sterling

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01

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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02

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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03

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

Products

Car Title Loans

Online Title Loans

Bad Credit Loans

Payday Loans

Personal Loans

Requirements

Identification

The vehicle’s title

Personal details

References

Ability-to-repay

Benefits

Get up to $50,000

Fast, secure & free quote

Online process 24/7

Bad credit – OK

Keep driving your car

Process

  • 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 Sterling, Virginia

There are times drastic situations will call for drastic measures— if you’re in desperate need of some quick cash, there will be some risks you need to take to get it.

Thankfully, it doesn’t have to be that scary or difficult. A loan application can be long and tedious, but car title loans aren’t as nerve-wracking!

If you own a vehicle, applying for a car title loan is a great way to get the money you need as soon as possible.

Never Heard of a Car Title Loan?

Some quick facts on title loans:

  • A car title loan is a short-term and high-interest rate loan that any borrower that owns a vehicle can apply for.
  • Also known as pink slip loans, title loans are low-risk to lenders because borrowers put up their vehicle as collateral or security for the loan.
  • This means if a borrower defaults on the loan, lenders have the right to repossess the borrower’s vehicle to compensate for what they cannot pay.

Instead of going to a credit union or some other big financial institution for a loan and going through a long, rigorous credit check, you can go through a speedy loan process by applying for a title loan.

You can get your cash almost instantaneously or have it sent straight to your preferred bank account— the perfect cash solution to a money problem you might have to face!

BOTH federal and state legislature regulate car title loans, so some specifics on loan terms and amounts will differ in Sterling, Virginia.

You may refer to the Virginia Consumer Credit Code for pertinent information regarding loan amounts, interest rates, and annual percentage rate (APR) in Sterling, VA.

However, most car title loans will work and look similar to this:

  • You apply to borrow a single-payment title loan of $1500. The lender charges a finance fee of $50 and lends you the money for 14 days with an interest rate of 10%.
  • You will pay the finance fee up front and get your money in cash or sent to your bank account within 24-48 hours after the approval of your loan.
  • At the end of the 14 days, you will have to pay back the entire loan amount plus interest, which means you owe a total of $1650.
  • Including the finance charge of the lender, borrowing $1500 will cost you a total of $1700.

Auto Title Loan Application In Sterling, VA

Check out what you’ll need for car title loans below if you’re interested in applying for a car title loan in Sterling, VA!

Please go over each step and requirement thoroughly to have COMPLETE KNOWLEDGE of what to expect when applying for such loans.

The Requirements

Another reason why car title loans are so popular in Sterling, VA, is because there aren’t too many requirements you need to submit during the loan process application:

  • Vehicle title
  • The title SHOULD be lien-free. This means that the title is clean, there is no outstanding balance on the payment for the vehicle, and you own it outright.
  • It is also preferred that the title is solely under your name ONLY. This makes it easier legally for lenders to hold you accountable for the title loan.
  • Sterling residents’ ID or other proof of residence
  • Driver’s license or any other government-issued ID

A lender may also require you to provide either proof of income or employment, photos of the car or vehicle you’ve applied with, as well as some bank information.

Title Loans: A Step-By-Step Process

  • First, you should research a reliable licensed title lender and get their contact information.
  • You can call ahead and talk to their loan officers to get a quote on interest rates and loan amount. You can also ask for pre-approval and specific requirements for the loan application. Luckily in Sterling, you can accomplish most car title loans partially or completely online.
  • After filling out the application and gathering all the required documents, you will have to submit them.
  • You should also bring the car or vehicle you applied with when submitting the requirements.
  • Then you’ll be negotiating and going over the terms with the lender before signing the loan contract.
  • It would do you good to remember that the lender should give you full disclosure on the complete loan terms, including loan amount, interest rate, finance charges, payment deadlines, and APR.
  • Other important information that you must include in the contract is the names of the borrower and lender. Also, DON’T FORGET to provide a detailed description of the vehicle.
  • Be sure to check for a prepayment clause as well!
  • After signing, you’ll be able to receive your money in cash or wired to your bank account as soon as the loan has been processed.

Paying Back the Loan

There is more than one way to pay back loans, which should be stipulated in the contract. It is usually one of these two:

  • A single-payment title loan payment scheme requires paying the total loan amount in a lump sum at the end of the loan’s term. This means all the money you borrowed with interest.
  • An installment title loan payment scheme requires the borrower to pay back an increment set amount on certain dates until the end of the loan’s term. Just as with the other specific details, they will depend on what was agreed upon in the contract.

Loan Rollovers

Note that if you default on title loans, your vehicle will be repossessed by the lender:

  • As the security for the loan, the lender will automatically have the right to repossess and sell the vehicle.
  • You may buy back the vehicle, although it would cost you even more. This is because lenders will improve on the vehicles (via repairs or new car parts) before selling them to compensate for the lack of funds.

At this point, when you’re unable to pay back your loan on time, loan rollovers can sound tempting, but they are not always the best idea. There are definite pros and cons:

Pros

  • Extending the terms of your loan may prevent you from losing your car.
  • Eventually paying it all off may improve your credit.

Con

  • With equally high interest rates, loan rollovers can also lead to a never-ending cycle of loans and debt.

FAQs

Here are answers to some questions you might still on auto title loans and the loan process in Sterling:

1 Are Title Loans Legal in Sterling?

In Virginia, title loans are legal, but lenders must follow strict guidelines.

To avoid getting scammed or involved with anything illegal, ensure that the lender you’re dealing with has obtained a license to conduct this sort of business service.

2 Will I Qualify Even if I’m Unemployed?

In Sterling, the application for car title loans requires proof of income and not necessarily proof of employment.

Therefore you can still qualify for title loans if you’re unemployed, though the amount you can borrow may be less.

3 Can I Get a Car Title Loan Even if I Have a Low Credit Score?

Here’s the thing.

There’s NO GUARANTEE you’ll be granted loan approval if you show any signs of bad credit.

Your title loan application MIGHT still get approved regardless of your credit score.

However, MOST lenders will most likely conduct a credit check to determine whether you have what it takes to pay the loan on time.

Also, you WON’T receive a lot of cash compared to those who possess higher credit scores.

4 How Much Can I Get for a Title Loan in Sterling?

In Virginia, the amount you can usually get with car title loans is anywhere between $100-$50,000. However, title loans are also open-ended credit, which means:

  • While there are caps on how much APR lenders can charge, there is no maximum amount of money a lender can loan. There has to be an agreement between them and the borrower.
  • The amount you can borrow will mostly depend on the vehicle’s equity value used as collateral.

5 How Fast Can I Get My Money?

The title loans industry is a swift business, with most lenders promising same-day approval and cash within 24-48 hours on their loans.

6 Do I Have Other Options?

There are other loan service options available to you if you do not own a car or vehicle. Just note that interest rates and up to how much you can borrow will differ for each.

You can opt for:

  • Payday loans
  • Personal loans
  • Installment loans

Conclusion

Car title loans can be a great option when you’re living in Sterling, even more so if you find yourself in trouble due to unreliable credit history.

Still, title loans aren’t for everyone and should be tread on lightly. Only apply for these short-term and high-interest loans if:

  • You are certain you’ll find a way to pay off the debt on time.
  • The situation is dire, and you have NO other options.
  • You have done your research and prepared as much as you can.

We hope this article sheds some light on what it’s like applying for title loans as a resident of Sterling!

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4601 Columbia Pike, Arlington, Virginia 22204
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2611 Shirlington Rd, Arlington, Virginia 22206
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Alexandria

2900 Richmond Hwy, Alexandria, Virginia 22305
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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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