Home > Locations > Stillwater, OK

Title loans in Stillwater, OK

Fill in the online form

or

Call us now

Open hours

Mon - Fri:
Saturday:
Sunday:

9am - 7pm
10am - 4pm
Closed

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

Title loans in Stillwater, OK

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

Audio Midwest

502 E Lakeview Rd

Stillwater

74075 OK

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

How to Get Car Title Loans in Stillwater, Oklahoma

Car title loans, auto title loans, title loans—whatever name you call them, they’re a fast and easy way to get money in an EMERGENCY.

“Are loans in Stillwater OK?”

Read on and find out more about this handy service!

What Requirements Do I Need to Get a Car Title Loan in Stillwater?

If you’re applying for an auto title loan in Stillwater, Oklahoma, these are the most common documents that lenders will ask for:

  • Car title: When applying for car title loans, the most important document you need to show is a lien-free car title with your name on it.

NOTE: A lien is a claim on an asset by another person or entity. A lien-free car title proves that the same vehicle is not being used as collateral for any other loans.  

  • Car details: These include information such as:
  • The year
  • The make
  • The model
  • The mileage
  • Photos of the car

NOTE: Some title loans lenders may require car insurance. This usually happens with larger loan amounts (about $5,000 or more).

  • Personal details: You will need to give basic information such as:
  • Your name
  • Your date of birth
  • Your mailing address
  • Your email address
  • Your phone number
  • Your social security number

Generally, you will have to provide these in your loan application form.

NOTE: Stillwater residents will have to provide proof of residency, usually a permanent address within the state of Oklahoma. 

  • Valid government-issued ID: The most commonly accepted forms of identification include:
  • Driver’s license
  • Passport
  • Social security card
  • Any other state-issued ID

NOTE: The ID you present must not be expired.

  • Proof of income: Commonly accepted proofs of income include:
  • Payslips
  • Certificate of employment
  • Income tax returns
  • Business registration papers

NOTE: Stillwater residents are required to have an active bank account.

  • References: Stillwater title loans lenders will usually ask potential borrowers to name at least 2 or 3 character references.
  • Some may even ask for as many as five references: 3 personal and two professional.

Why Are These Requirements Necessary?

Does that list look intimidating?

Well, there are valid reasons for each requirement. Let’s go through each one:

Car Title

Instead of taking your actual vehicle as collateral, your lender will use your car title as proof that they legally own it for the loan duration. 

The car title must be LIEN-FREE.

A lien-free car title proves that no other person or entity has a claim on the vehicle that may clash with your lender’s.

Car Details

These are part of the initial assessment by your loan officer.

Generally, these are NOT a substitute for a physical inspection of your vehicle. You may still need to bring your vehicle to the loan office in Stillwater for a more accurate assessment of its cash value. 

HOWEVER, some lenders in Stillwater conduct their loan application processes completely online.

If this is the case, the information and photos will be all they need to assess your car’s cash value. 

Government-issued ID

The lender will need this to confirm your identity.

They will check the personal details in your application form to see that they match those entered in official government documents.

Proof of Income

Your lender will need this to confirm that you can repay the loan.

References

These provide additional security for your lender.

Your references should be able to confirm that: 

  • You can make payments on time, and
  • You won’t default on the loan

The Car Title Loan Process in Stillwater, Oklahoma

1) Choose the Right Lender.

Considering how many lenders offer title loans in Stillwater, this first step may seem overwhelming. Here are some tips to help you pick the right lender: 

  • Check if the lender has an Oklahoma state license or a federal license.
  • Having BOTH is a sign of trustworthiness.
  • Read reviews left by previous clients.
  • Ask questions at their customer service portal. 

Your loan process will go much smoother if you choose a lender you can trust.

2) Comply With Your Lender’s Requirements.

After you choose your Stillwater lender, the next thing you have to do is: file the loan application.

  • Filling out an online application form
  • Giving your details via phone call
  • Visiting the nearest Stillwater title loans office

This step also includes submitting whatever documents your lender asks for.

NOTE: Please see the previous section for a more detailed rundown of possible requirements.

Finally, ask your lender if you’ll need to bring your vehicle in for a physical inspection or if the vehicle information and photos are enough for them to assess your car’s value. 

3) Get Your Money!

Once the loan officer has approved you AND estimated how much money you can get for your vehicle, they will present you with a loan agreement.

Read the fine print. Check for:

  • The loan amount you’re getting
  • The interest rates
  • The duration of the loan

Once everything is in order, all you need to do is SIGN—and voila! You can now get your money!

You can take the loan proceeds by:

  • Cash 
  • Direct bank deposit
  • MoneyGram deposit

Advantages of Car Title Loans

Getting loans from big banks and credit bureaus isn’t easy, even at the best of times. Their loan approval processes are long and have a lot of strict requirements.

So, if you’re in an emergency, this will only cause you more stress.

Conversely, Stillwater title loans are a convenient service for people who need money URGENTLY.

Here are some of the reasons why:

The approval process is quick and easy. There aren’t very many steps to get approved, and the criteria are far less stringent than traditional loans!

You can receive cash on the spot. Because the loan process is so quick, you can get your money on the same day you apply! 

You can still use your car. Your lender will only take your car’s title, so you can still use your vehicle normally, even while paying back the loan! 

The loan won’t affect your credit score. Whether you or a third party checks your credit status, your credit score lowers. Because credit checks usually aren’t required for title loans, your credit score will be safe!

Disadvantages of Car Title Loans

High fees. The interest rates and the annual percentage rate are higher for title loans than for traditional bank loans.

Short repayment terms. While you can repay traditional bank loans within months or years, title loans have durations of 3-6 months at most.

You may lose your car. If you default on your loan, the lender has the legal right to repossess your vehicle. 

Frequently Asked Questions

How do I pay off a title loan?

There are many ways for people to repay an auto title loan service:

  • Cash payments
  • Check or money order payments 
  • Phone payments
  • Online payments

Depending on the loan terms, you can pay either in installments or in one lump sum.

I’m unemployed. Can I still get a loan?

Possibly!

Your chances of getting approved for title loans don’t depend solely on your employment status.

Remember that the defining criteria for car title loans is your ability to repay the loan.

If you’re unemployed, there are still documents you can use to prove that you have enough money to make loan payments:

  • Pension or retirement checks
  • Social security payments
  • Disability benefits
  • Bank statements

Another way to increase your chances of getting approved is to have a co-signer or guarantor guarantee your loan.

  • A co-signer shares equal responsibility with you for paying back the loan. The lender can pursue both the primary borrower and the co-signer at the same time. 
  • A guarantor will agree to repay your loan if, for any reason, you are unable to. However, they will step in ONLY when you’ve completely exhausted all possible avenues of repaying the loan.

What do I do if the title has another person’s name?

It depends on whether your names are separated by “OR” or “AND.”

If your title has an “OR,” each name is treated as a separate owner. Both people are free to take out a loan against the car without the other’s approval. So, the loan process will go on as it normally would.

However, if your title has an “AND,” each name is considered a joint owner of the car. Because each party has a share in the asset, neither can make decisions without the other’s approval.

In this case, the owners can either:

  • Take out the loan under both names, OR  
  • One party can sign the title off to the other.

The remaining party will then be the sole owner of the vehicle, and the loan process can proceed normally.

Are other vehicles eligible for auto title loans?

Title loans can be taken out against pretty much any kind of vehicle.

The only real requirement is that you have a title to the vehicle that lists YOU as the sole registered owner.

Some other vehicles that people take out title loans against include:

  • Motorcycles
  • Trucks
  • Commercial vehicles (e.g., trailer trucks)
  • All-terrain vehicles (ATVs)
  • Boats

Can I be rejected for car title loans?

Again: possibly.

It doesn’t happen very often. Still, you should be aware of some of the reasons why people get rejected when applying for title loans:

  • Incorrectly entered data. To avoid this, MAKE SURE that the personal details you enter in your application form match the ones on your title and government-issued ID.
  • Bankruptcy. If you apply for title loans while currently bankrupt, lenders may reject your application. That’s because they can’t be sure you have the money to repay the loan.  
  • A payday loan or other pre-existing loan. This makes you a higher-risk investment. Lenders will be more doubtful of your capacity to repay TWO loans at once.
  • A new bank account. Lenders in Stillwater require borrowers to have an active bank account. If there aren’t many transactions in your account history, it’ll look like your money is only there for show.  

Conclusion

We hope that this article gave you a better idea of how title loans work and how they can help you.

Let us know in the comments!

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

Skip to content