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Home > Motorcycle Title Loans

Motorcycle Title Loans

How much cash can i get

Find out now. It's fast, secure & free!

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Last update: January 10, 2023

When you are in a bind and need some extra cash, title loans can help! Motorcycle title loans are a type of short-term loan that uses your motorcycle as collateral. Approved applicants can receive up to $20,000 as early as the same day. 

A great advantage of motorcycle title loans is that you get to keep your motorcycle during loan repayment. It’s as easy as filling out an online application, providing the required documentation, and receiving a decision! 

There’s no need to have a great credit score. At Montana Capital Car Title Loans, credit history is only one of many factors considered during the application process. However, we may ask to check yours as part of the title loan process. Here’s everything you need to know.

Motorcycle Title Loan Process

Motorcycle title loans are a great option to receive cash quicker than other borrowing options and can be used for any purpose. Let’s break down the motorcycle title loan process.

How Do Motorcycle Title Loans Work?

Title Loan Approval:

While traditional banks require near-perfect credit to approve borrowers for a loan, title loans are much more indiscriminate. If you have a clear motorcycle title, Montana Capital may be able to loan you money against the title of your motorcycle plus interest. This means that if your motorcycle is paid off, has no existing liens, and is in your name, you can use it as collateral to apply for the loan.

Don’t worry if you have poor credit. Motorcycle title loans approval decisions are also based on:

  • Pay statements
  • W2 form
  • Tax statements
  • Disability award letters
  • Social security benefits
  • Workers’ compensation funds
  • Trust documentation
  • Awarded settlement documentation
  • Severance pay documentation

The application process typically takes about five minutes to complete. Then, conditional approval may be given pending review of your documentation.

Motorcycle’s Equity:

Equity is required when using a motorcycle’s value for loan purposes.

Having equity in a motorcycle simply means it is worth more than is owed. In some cases, motorcycle title loans can be processed even if your motorcycle has remaining payments.

You can estimate how much your motorcycle is currently worth by looking it up in the Kelly Blue Book as a trade-in fair value.

Bad credit may not affect your chances of getting a title loan online if you have a clear title. This is because equity and repayment ability are the basis for these loans.

How Much Cash You Can Get?

In general, approved applicants can receive up to $20,000 as early as the same day. How much cash you can get depends some on the motorcycle’s value but mostly on your ability to repay the loan. It is also wise to research your title loan state’s laws. Title loans are not legal in every state. In this case, you won’t receive any cash regardless of your motorcycle’s value and ability to repay.

Motorcycle Title Loan Repayment Plans

The title loan repayment period is typically between 12 and 36 months, and we will try to tailor a payment plan that fits your budget and lifestyle. Repayment options available to Montana Capital borrowers include:

  • Check/money order 
  • Credit or Debit by phone at (818) 503-9393
  • Credit or Debit online

Once Approved, How Do I Get My Money?

  • Check
  • Direct deposit
  • Debit card deposit
  • Wire

Pros and Cons of a Motorcycle Title Loan

Like all loan types, there are pros and cons to motorcycle title loans. Here’s what you should consider before applying with a motorcycle title loan lender:


Easy verification process

All credit types can apply

Cash as early as the same day

Quick approval decision

Continue to drive your motorcycle


The interest rate may be higher than personal loan rates

Your motorcycle will be used as collateral, unlike unsecured loans

Steps to Securing Motorcycle Title Loans Online


Complete the online title loan application. In this step, you will answer various questions, including:

  • Name
  • Contact information
  • Address
  • How much you want to borrow
  • Employment status
  • Annual income

Application Review/Pre-Qualification

Your application will be reviewed. If you meet the loan requirements, you will receive a prequalification.


Review your title loan offer, noting the interest rate, loan amount, and repayment term. If you have any questions, don’t hesitate to reach out for clarification. At Montana Capital Car Title Loans, we care about our customers and are committed to providing you with the highest level of service.

Online Document Submission

Provide the necessary documentation to prove you meet the title loan requirements.

  • A qualifying motorcycle title with your name
  • Proof of current income
  • Proof of residence
  • Motorcycle inspection – in many cases, photos of the sides, front, and back of the motorcycle are sufficient. 
  • Government-issued photo identification – driver’s license, state-issued ID, passport, passport card, military ID, etc.  

Finalizing Your Loan

The last step in your title loan process it to sign your loan documents and receive the cash. Before you do, we encourage you to review your loan agreement in detail. If you have any questions, regardless of how big or small, don’t hesitate to ask it.


Since motorcycle title loans primarily focus on your ability to repay, your credit is not factored in as heavily. Title loan companies care more about the motorcycle’s value and an applicant’s income.
If you don’t repay the loan as stated in the agreement, the title loan company may repossess the motorcycle to get their money.

The loan amount you can get varies by the value of the motorcycle and your ability to repay the loan. Montana Capital may approve you for up to $ 20,000 or for up to 70% of your motorcycle’s current trade-in value.

No, a bank account is not always required. However, it will be necessary if you choose to receive money via electronic payment, such as a wire transfer or direct deposit.

Yes – there is no cost to apply for a title loan. For a free quote, apply online today!

The Bottom Line

Motorcycle title loans are an option to get you the money you need asap. They are convenient for emergency situations because cash is paid out quickly if approved. Keep in mind that these loans are meant to provide you with short-term financing to help solve immediate cash needs and should not be considered a long-term solution.

Applying for a motorcycle title loan online through Montana Capital is quick and easy and may give you access to up to $20,000 within 24-48 hours. If maintaining access to your motorcycle while gaining access to short-term financing is important to you, apply online here and get a free quote!

Written by

Samantha Hawrylack

Samantha Hawrylack is a writer for Montana Capital Car Title Loans and a personal finance expert. Sam received her Bachelors of Science in Finance and her Masters in Business Administration from West Chester University of Pennsylvania. She began her career in the financial services industry and shifted to an entrepreneurial role where she could directly impact clients. Sam has an impressive background in personal finance and business management.

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