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Title loans in Toledo

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

Title loans in Toledo

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.
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
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1810 Chestnut St


43608 Ohio

Service type

GPS Installation Centers

Start your loan process at this GPS Center

How it works


Our main

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


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 Toledo, Ohio: Requirements & How to Apply

Wondering about that car title loan craze, but can’t seem to find any good sources?

Are you still feeling confused and lost?

Are you preparing in case you may need one soon?

Look no further!

In this article, we’ll explain everything you need to know and more about car title loans in Toledo, Ohio — the basics, qualifications, requirements, and even some tips!

Once you are done, you’ll be able to evaluate if a title loan is for you or not.

Car Title Loans 101

A car title loan is a short-term secured loan that requires your vehicle title as collateral.

A borrower must be the OWNER of their car, free and clear.

How much cash you will be lent is determined by the car’s value and your ability to pay off the debt. It often ranges between 25%-50% of a car’s value.

This is intended primarily for individuals who have immediate cash needs or need funds paid quickly since they will be giving up the title of their car to a lender who lend money directly.

For example:

  • Medical bills
  • Funeral expenses
  • House improvements
  • Tuition fees

That’s not all — you can actually keep your car and use it as usual, even if you’re under an auto title loan! t

How To Get Approved for Car Title Loans in Toledo, Ohio

Before we get into the loan process itself, let us first tell you what qualifying for one in Toledo, OH, actually entails.

Make sure you meet all standards below before you go on applying for Toledo title loans:

1. Car Equity

Simply put — this pertains to the financial ownership you have of your car.

Car title loans are all about car equity, and rightfully so.

You need to have car equity to get approved for a car title loan. The more worth you have, the bigger your chances of securing one.

Car equity is the difference between what your car is worth versus how much you still owe for it.

If you have not completed your payments yet, then they should be at least close to being paid off.

If you still have a long way to go on your payments, you might want to go ahead and get those done, or you may have to think twice before applying.

2. Source of Income

You need to have a verifiable source of income to get your loan approved in Toledo, OH.

No, this does not mean an actual job.

Simply providing proof that you will be able to pay off the amount borrowed is what is required.

Besides a salary, below are some other sources of income:

  • Social security
  • Government-issued funding
  • Tax documents

Additionally, you actually do NOT need a bank account when applying for a title loan in Toledo, OH.

3. Age

For loans in Toledo, applicants should be at least 18 years of age to secure a loan.

4. Vehicle Ownership

How are you supposed to loan off your car if you don’t actually own it?

The fact that you outright own your car is a must in order to borrow money through it.

You must have a clean title with your own name on it in Toledo, OH.

WARNING: Another individual CANNOT be the one to apply for one for you.

5. Vehicle Insurance

Lastly, it is important that your car is insured to protect all parties involved in the car title loan.

How to Apply for a Car Title Loan in Toledo, OH

If you meet all the previous qualifications we stated, what else are you waiting for?

You can now apply for loans in Toledo, OH, and we will guide you all throughout.

Don’t worry — this is just a fast loan process!

Step 1: Apply Online or via Phone

You can secure car title loans online!

Once you have a chosen title loan company, reach out to them through their website.

You will be able to start the loan application process by reaching out to them via their online application form or hotline.

Various title loan services have customer-centered service with excellent customer service, which usually leads to a positive loan experience.

They will ask you to provide the following details:

Car Information:

  • Year
  • Make
  • Model
  • Mileage

Personal Information:

  • Proof of Identity
  • Proof of Income
  • Proof of Address

NOTE: Submitting your application means you express written consent that the business (preferably with a California Financing Law License) may contact you concerning your transaction.

Step 2: Pre-Approval

Once you’ve submitted all the requirements in Step 1, you will receive a notification from the title loan company regarding your pre-approved loan amount.

During this pre-approval stage, the loan agent will ask you a few more questions to qualify you for full approval on your desired loan amount.

It is also in this step wherein you will be required to provide below photos:

  • Driver’s License
  • Car Title
  • Actual Car Images

They usually have instant approval.

Step 3: Discuss With the Lender

If you meet the requirements, they will do their best to get you the loan approval by connecting you to the right lender based on your situation and preferences.

Yes, they’ve got a pool of lending partners to choose from.

Their job is to match you with a perfect lender to have the best rates, as lenders vary based on their requirements own interest rates.

We greatly advise you to learn more about your lender while discussing loan terms and conditions like the usual lenders’ interest rates.

Ask all the questions that may be running through your mind.

Step 4: Claim your Cash

Once you have a loan approved, everything is agreed on, and the necessary documents have been signed, you can now claim your cash in as fast as 1 business day!

Fortunately, most title loans companies in Toledo, OH, offer multiple ways for you to receive the cash.

In no time, you’ll have some money in your hands!

The Best Things About Car Title Loans in Toledo, OH

At this point, car title loans may already seem quite enticing, but they’ve actually got even more to offer!

#1 Low-Interest Payments

Typically, auto title loan interest rates start at 200%-400%. However, you may be able to score as low as 175% with the right title loans company offering competitive rates.

Other companies even drop their rates with every on-time monthly payment by as low as 32% compared to other lenders’ interest rates.

Yes, this means your payments could eventually turn out to be HALF OFF from when you started.

This is unusual as most would keep a consistent interest rate throughout the entirety of the title loan.

#2 No In-Person Vehicle Inspection

While some car title loans processes in other states send over a loan agent to inspect and test the vehicles, this does not apply to title loans in Toledo.

Here you can take photos of your car ON YOUR OWN! It’s that easy!

Simply snap some photos, upload them online for checking, and the loan proceeds to be processed and evaluated.

#3 No Pre-Payment Penalties

While there are rare instances where auto title loans companies surprise their applicants with hidden or surprise fees, find the best one that won’t.

If you can, you should be allowed to pay early or pay above the minimum loan amount without any prepayment penalties.

#4 Does Not Rely on Credit History

If you have a bad credit score, this will NOT directly affect your qualification for a title loan in Toledo, Ohio.

So yes, even if you have a bad credit score or low credit score, you may still be able to secure one as not all lenders require this.

#5 Improve Credit History

Be on time and consistent with your monthly payments in order for you to improve your credit history every month and even increase your credit score.

Don’t worry too much about that bad credit.

Contrary to popular belief, car title loans can allow you to re-establish bad credit to achieve a good credit history.

Good credit decisions may lead you to financial stability!

#6 Business As Usual

We’ve saved the best for last.

If you have title loans in Toledo, you can still use your car as if nothing happened.

This is what makes car title loans so attractive!

Title Loans Drawback to Watch Out for in Toledo, OH

Do you think it’s all too good to be true? You could be right.

There is one main disadvantage to car title loans as well.

#1 Repossession

As a borrower in Ohio, you will have to sign a security agreement that gives your lender the right to repossess your car if you fail to repay the loan on time.

When the lender repossesses a car, they must notify the borrower within 5 business days before taking the car. The borrower must therefore pay the various penalties.

Afterward, the lender must actually sell it. The proceeds from the transaction will pay off the loan.


Or else, say bye-bye to your precious vehicle.

Frequently Asked Questions on Car Title Loans in Toledo, OH

We believe we’ve practically got you covered by now, but do enjoy the bonus information we included below:

Why Choose Auto Title Loans Over Traditional Bank Loans?

Car title loans have a much swifter and simpler process, plus more flexible requirements and basic documents than usual bank loans.

A traditional bank loan may also be considered unsecured since it does not require collateral.

In this case, your credit history will be a deciding factor.

That being said, title loans could be the best option for someone with bad credit.

What Are Other Loan Options?

Aside from title loans, you may have heard of other things like short-term cash loans, installment and payday loans.

It may get overwhelming, but there are multiple types of loans available in the market. Here are a few of them:

  • Tribal loans – Online payday loans from lenders from tribal land, a.k.a. tribal lenders
  • Small business loans – Typically small or large amounts that are used for business purposes
  • Service student loans – A loan wherein there is a middleman between the student and the federal government that lent money for college
  • Payday loans – Short-term, high-cost loans usually due on the borrower’s next payday

What Factors Determine a Car’s Equity?

Below are some vehicle factors that determine a car’s equity in Toledo, Ohio:

  • Year
  • Make
  • Model
  • Mileage
  • Modifications such as interior or exterior improvements
  • Overall condition

The more details you can provide, the more you can get!

Is My Data Safe?

Since everything can be done online now, when choosing your title loans company, make sure you go for a website that is REAL and SECURE.

Some companies use 128-bit encryption to protect all the information submitted to them online.

Keep your data safe by checking if the website has a padlock beside the website address in your browser bar to verify its security.

Aside from this, be aware if the title loans company requires more information than what’s needed to secure the loan.

Watch out for suspicious questions and provisions.

What Is a Short Term Loan Act?

In Ohio, there is something called the Short Term Loan Act.

This bans lenders from accepting a car title as collateral for a short-term loan.

However, title lenders work under Ohio’s Credit Service Organization (CSO) Act.

This requires registration and connection for establishments that offer credit repair, debt counseling, and related services.

The CSO Act states that a lender can issue a loan in form of a check or money order, then charges a cashing fee which is usually 3%-6% for each transaction.

A lender can also get a CSO license from the State, then act as a broker to help applications secure a title loan from a third party.

What Are Some Relevant Facts about Toledo, Ohio?

The normal median income in Toledo is USD39,113, with 27% living beneath the government destitution line.

On the other hand, its average family size is 3 persons, and the gross median monthly rent is USD699.

It’s no wonder why a considerable amount of people are looking at car title loans as potential solutions for their financial setbacks.

It’s Time Apply for Title Loans in Toledo, OH!

We know that all could’ve been overwhelming, but we believe you now have what it takes.

Think title loans are for you?

They are definitely a convenient and quick way to access cash FAST! Especially if you’ve got a car that you can use as an investment.

Keep in mind the qualifications, processes, and disadvantages we’ve laid out for you in case of emergencies or if the need arises.

(Although, of course, we hope you never have to in your life.)

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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