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Title loans in Sterling

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Sunday:

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

Title loans in Sterling

In just a day, I was able to get my bad credit loan approved, which made it possible for me to pay off some debt. The customer service you provided was also excellent. Thank you so much!
Thelma Garcia
04:45 12 Nov 21
A smooth process for applications and approvals! My consultant kept in touch with me throughout the emergency loans in North Hollywood. My application was approved quickly with a very competitive interest rate.
Kevin Thompson Jr.
06:16 26 Oct 21
No matter how many issues I've encountered, they've always helped me, and have ensured that the loan process goes as smoothly as possible. This company gives personal loans for people with bad credit. You guys are great!
Guerrero Strong
17:47 29 Jun 21
They treat me like family I love the customer service here. I would recommend to anyone needing a quick payday loans.👍👍
valdez preston
16:35 03 Jun 21
Montana great to work with on our recent car title loans. Everyone is extremely knowledgeable, quick to respond, and very reliable. Highly recommend this company.
crystal estrada
22:59 26 May 21
As a first-time borrower, I anticipated that obtaining this loan would be extremely stressful. Obtaining a loan is never a pleasant experience, but it is what it is. Montana Capital Car Title Loans did an excellent job of calming me down and assisting me in making the best decision for my future. Thank you.👍
Aleena Angela
11:55 29 Apr 21
It's seriously impossible to find service as good as you get from Montana Capital Car Title Loans! They work with and for their customers to get you what you need. Truly amazing I fell in love with them!
Brynn Hammond
12:20 15 Mar 21
Montana Capital provided excellent communication and they guided us through our loan application every step of the way. They made it feel really easy.
Steven L. Moss
06:10 12 Feb 21
I was too upset to even think right when I applied for fast money from Montana Capital Car Title Loans. I guess I gave some goofy answers on the application, because Ramona called me right up to walk me through the process. She was super sweet and helpful.
Danny Echols
06:55 27 Dec 19
I gave 1 🌟 because Montana capital stressed me out I had to make my July payment in August due to me having to bury my son Montana capital did not understand I asked for and extension on my August payment and they still said I had to pay .I have became homeless do to me laying my son to rest.montana capital did not care .thanks Montana capital for really stressing me out doing the time of losing my son
Maria Moore
16:58 16 Aug 19
Best thing to do is sell your car and pay a new car and not them. I borrowed 6k. 3 years later I already paid them 11k and my balance is still 5300. How on the hell. Crazy. Theives they are super nice of course. They try to convince whatever it takes. Also if u must get it. Keep saying no thanks and they lower and lower the payment
Cesar Moreno
20:02 19 Apr 19
Best thing to do is sell it car and pay a new car and not them. I borrowed 6k. 3 years later I already paid them 11k and my balance is still 5300. How on the hell.
Cesar Moreno
19:43 19 Apr 19
This place is not worth it. You’ll loose a lot of money you gotta be completely desperate to take a car title loan out from this place. Example my aunt took out a 2600 loan paid over 5,000 she called to see how much she owed they said over 3,000 do the math folks is this really worth it hell no. I repeat go somewhere else that doesn't charge 2 arms and a leg in interest. How can you just be paying interest and no capital sh*t makes no since? I'm warning you people don't go here. And the people saying how great this place is, is lying 🤥 like a mf.
Joshua Freeman
19:48 15 Jan 19
This place is not worth it. You’ll loose a lot of money you gotta be completely desperate to take a car title loan out from this place. Example my aunt took out a 2600 loan paid over 5,000 she called to see how much she owed they said over 3,000 do the math folks is this really worth it hell no. I repeat go somewhere else that doesn't charge 2 arms and a leg in interest. How can you just be paying interest and no capital sh*t makes no since? I'm warning you people don't go here. And the people saying how great this place is, is lying ???? like a mf.
Joshua Freeman
19:47 15 Jan 19
Kyle is a great constomer service rep. He is alway there to help me on my payment is is friendly and prompt. What I really like about these guys is when I call, there is no wait time.
Max Morgan
20:02 26 Jul 18
Jonathan is the customer service rep that I always talk to. He always treats me nice and is fast and effectiant.
Cobble
18:40 05 Jun 18
I needed fast cash due to my wife having a health issue. They got me the amount that I needed and the process was fast. No hold ups. When I call to make a payment I always ask for Jonathan and he is always friendly and assists me very professionally.
Joe Cheuvront
19:50 25 Apr 18
Excellent customer service, fast response.
cynthia rojas
21:01 14 Apr 18
Kiara made it really simple for me, having everything done in an record time, excellent costa service!
JuNiM RoSa
23:09 12 Apr 18
Very helpful. Nice and efficient.
Natasha John Powers
23:35 11 Apr 18
One person handles you professionally. His name is Kiel. Johnathan and Daniel are very rude and very unhelpful. Do not allow them to assist you. They are very unprofessional!
muriel jones
18:24 02 Apr 18
Great place when you are ready to do a title loan. Montana tells you to pay it off as quickly as possible so you do not incur too many payments, but if you have to make a loan, this is the place. Speak to Kyle F, he is the very best! Very professional, informative and very courteous and kind! Thank You Montana!
muriel jones
21:48 27 Mar 18
These people are criminals. The F.B.I. has a case on this company. If you have any information regarding your experience with Montana Capital Car Loans please respond with your information. Thank you.
Julius Schreck
22:07 26 Mar 18
Great customer service with Kiara, made my transaction very smooth and quick in about 1 hour.
Erica Hurtado
20:03 22 Feb 18
I deeply appreciate the help and kindness.I will refer people to get a Title Loan from Montana Capital.
Tammy Work
20:58 13 Oct 17
Simple and easy process very friendly and prompt, so far so good — better than other places no complaints
Elyce Hastings
18:00 21 Sep 17
Quick and friendly. Rates were better than other title loan companies I've tried. They were helpful and informative and processed my information in no time.
Rebecca Richardson
20:56 15 Apr 17
Great expeience. Very helpful staff! Easy process and it all can happen in the same day!
Lale Weier
23:20 27 Jan 17
These people were fast with the decision process and very polite. Everything above board would recommend to anyone.
Al Delarosa
18:48 19 Dec 16
Joel and staff provided friendly, efficient service... Everything was explained clearly to me and my questions were answered in a professional manner..I would highly recommend using them if you need to .... Note: Loan isn't cash, it is a Bank of America check. Not a big deal to me, but maybe to you.
Life With Mrs Clark
22:41 10 Sep 15
Kira helped me in April 2014. I needed quick help. The interest rate was high...but as a business man, I understand their exposure to risk. I did the loan. It was quick once verifications were complete (same day/several hours) and I was on my way in my car with check in hand. Best to pay off this loan quickly knowing a chunk of $ is coming in to you to clear the loan...otherwise the burden of monthly payments at high interest could be overwhelming if stretched out. Montana reps tell you this...they are upfront, friendly and professional. If you are at a place of 'last resort'...then do business with Montana! I may use them again, soon, as a quick 'bridge loan' and pay them off quickly, as before. This is the BEST way to do it. Ron
Ron Vale
23:35 12 Jul 14
It's tough when you're stuck with limited options for a quick loan. If your only option is a car title loan, this is an honest place with nice people who will work with you. The place is in an industrial area, but the offices are clean. The people here are well organized and friendly. They can set up automatic monthly payments. They are quick to answer their phones too.
Erica Fleming
19:39 29 Jan 14
Google Rating
4.6

Address

Unparalleled Audio

201 Davis Dr Unit NN

Sterling

20164 Virginia

Service type

GPS Installation Centers

Start your loan process at this GPS Center

How it works

Advantages

Our main
advantages

Montana Capital 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.

Great customer service

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

Loans for low credit score

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

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

Benefits

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.

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.

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!

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 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!

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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