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Home > Oklahoma > Stillwater, OK

Title Loans in Stillwater , OK

How much cash can i get

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Location Information:

MC representative


502 E Lakeview Rd
OK   74075

Working hours

Mon - Fri: 9am - 7pm

Saturday: 10am - 5pm

Sunday: Closed


Title Loans up to $50,000


Montana Capital Car Title Loans Reviews

I recently used this service for cash title loans, and I was impressed by how easy and fast the process was, I got the money I needed in no time! The staff was friendly and helpful, making the whole experience stress-free and convenient.
Charles A.
Charles A.
Montana Capital Car Title Loans provided me with a lifeline when I needed it most, offering a title loan with no credit check hassle-free. Their understanding & quick approval process made all the difference in getting the financial... assistance I needed without the stress of worrying about my credit score.read more
Diego P.
Diego P.
Facing a financial emergency, cash title loans from this loan company became my go-to solution. The speed of approval and immediate access to funds provided the much-needed relief during a tough situation.
Foster M. N.
Foster M. N.
Montana Capital Car Title Loans provided exceptional service when I needed a title loan with no credit check. Their efficient process and accommodating terms made securing the loan hassle-free, providing me with the financial support I... needed promptly and conveniently.read more
yeswanth e
yeswanth e
Exploring the question, "if you finance a car, do you get the title?" led me to this service that provided clear and comprehensive information, ensuring I understood the intricacies of car financing and title ownership; their knowledgeable... team guided me through the process, offering transparency and peace of mind. The service exceeded my expectations by clarifying the relationship between car financing and title possession, ensuring I made informed decisions with confidence and received the necessary documentation promptly.read more
Andrew J.
Andrew J.
Facing a financial emergency, cash title loans from this loan company became my go-to solution. The speed of approval and immediate access to funds provided the much-needed relief during a tough situation.
Foster M. N.
Foster M. N.
Montana Capital Car Title Loans exceeded my expectations with their title loans, even with no credit. Their understanding and flexibility made the process stress-free, providing a much-needed financial solution without the typical credit... constraints. I highly recommend their services for anyone in need of quick and accessible funds.read more
Koby M.
Koby M.
if you finance a car do you get the title, look no further. I recently used this loan service to finance my car, and I couldn't be happier with the experience. Not only did they offer competitive interest rates, but the process was... seamless, and I received the car title promptly upon completing the payments, making the entire transaction hassle-free.read more
Soraya S.
Soraya S.
My search for a lender that does not perform credit checks led me to Montana Capital Car Title Loans last weekend. The loan application process called title loans with no credit was streamlined and reduced thanks to my allocated lender,... who was professional, knowledgeable, and patient with my many inquiries. They offer me a great service by helping me get a payday loan despite my terrible credit.read more
Sadie C.
Sadie C.
I looked into financing alternatives with my vehicle title, and this organization caught my attention. They provide clear instructions and a hassle-free procedure. Strongly suggest using their services. Really impressive! Thank you so much... Montana Capital Car Title Loans!read more
Danielle Zoe C.
Danielle Zoe C.
This company made it possible for me to get a title loan even though I wasn't sure if I could. They offered various repayment options together with easily accessible and reasonably priced loans for your vehicle title. Excellent choice for... anyone in need of a little additional money! Many thanks for that! Thanks!!!!read more
rosette M.
rosette M.
I resorted to this company for help since I needed money right now. They not only provided service quickly but also had flexible payback periods and fair terms for their cash vehicle title loans. They get a thumbs-up for dependability and... professionalism! Thanks a lot Montana Capital Car Title Loans! Highly recommended!!!read more
Buhari M.
Buhari M.
I wasn't sure if I could qualify for a title loan, but this company made it happen. Their loans for your car title were accessible and affordable, and their repayment terms were flexible. Great option for anyone who needs a little extra... cash! Thank you so much!read more
Catherine B.
Catherine B.
I explored options for loans using my car title, and this company stood out. They provided excellent guidance and a transparent process. Highly recommend their services.
Erin G.
Erin G.
Needing immediate cash, I turned to this company for assistance. Not only did they deliver fast, but their cash car title loans come with reasonable terms and flexible repayment plans. Two thumbs up for their professionalism and... reliability!read more
Antoinette T.
Antoinette T.
I had a fantastic experience with this loan company when I needed to pawn my car near me. They were upfront about their terms and gave a fair value for my vehicle, which made me feel comfortable. They really supported me as a trustworthy... financial partner during a difficult period.read more
Dana A.
Dana A.
Hands down the best car title loan company! They offer car title loans with no credit check, which was a game-changer for me. The staff was friendly, and the whole process was straightforward. Got the money I needed, and they made it... stress-free.read more
Janine R.
Janine R.
The convenience of an auto title pawn near me cannot be overstated. This loan company had a nearby location, making it easy for me to access the financial support I needed. Their friendly staff and efficient service made the entire process... stress-free.read more
Delia A.
Delia A.
Fast auto title loans from this company were a game-changer for me. I received the funds I needed quickly, and the application process was efficient and hassle-free.
Nicholas W.
Nicholas W.
I have used this loan company for a title loan with lien and they have been professional and easy to work with. The process was quick and easy.
Terri J.
Terri J.
I was in need of a loan and found the perfect solution with a title loan. The staff were helpful and the process was simple.
Shawna P.
Shawna P.
I am very pleased with the service I received from this loan company. They were very professional and provided me with a great quote for my title loan. I would definitely recommend them to anyone in need of a loan.
Dianne N.
Dianne N.
This loan company offered motorcycle title loans, which was a great way for me to get the money I need without having to go through a bank. The process was quick and easy, and I got the money I need without any hassle. I would recommend... this loan company to anyone in need of quick cash.read more
Andrew G.
Andrew G.
I got an installment loan from their services. This allowed me to make small, regular payments on my loan over time, rather than one lump sum. This made it much easier for me to budget for my loan repayment and stay on track. I'm very... happy with their service and would recommend it to others.read more
Frank G.
Frank G.
When I needed short-term loans for bad credit, I discovered Montana Capital Loans. They provided excellent service and were very professional throughout the whole process.
Thomas B.
Thomas B.
To summarize, I am very satisfied with the car title loan . My expectations were met, and exceeded. I would recommend your service to friends and family.
Judith H.
Judith H.
I am very happy with the service provided by the loan company. I received my loan very quickly and easily. The process was very simple and straightforward. I would definitely recommend this company to anyone in need of a pink slip loan.
Mildred F.
Mildred F.
Exceptionally polite and helpful staff who process applications quickly and efficiently. This is a quality company with fair prices. I appreciate you getting me a loan with bad credit!
Kevin M. M.
Kevin M. M.

3 Easy Steps to Get a Car Title Loan in Stillwater, OK

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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

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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

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.


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?


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.  


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!

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Have a bad credit score?
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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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