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Other Loan Options
How much cash can i get
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Written by: Shir Amram
No car? No problem.
If a title loan isn’t the right fit for you and you still want to get an instant personal loan today, you’ve come to the right place.
At MontanaCapital™, we make it simple to explore loan options that don’t require any collateral. Not everyone owns a car they can use as security, and that’s perfectly fine.
Through our network of trusted, licensed lenders, we help customers find unsecured personal loans, installment loans, and same day funding options with flexible terms and competitive rates.
Same Day Loans
When you need cash fast, same day loans can help cover urgent bills, medical costs, or other unexpected expenses.
These are short-term, unsecured loans designed for speed and convenience, no collateral, no complicated paperwork.
Payday Loans
- Small, short-term loans ranging from $100 to $1,000, repaid on your next payday.
- Best for: urgent bills, rent, or car repairs when you need quick cash.
- Typical term: 2–4 weeks
- APR: up to 36%*
Cash Advance Loans
- Short-term loans between $100 and $2,500, often linked to your income or debit account.
- Best for: bridging a financial gap until your next paycheck.
- Typical term: 2–8 weeks
- APR: up to 36%*
Installment Loans
If you need a higher amount or more time to repay, installment loans can offer manageable monthly payments and predictable terms.
Personal Loans
- Unsecured loans that don’t require collateral, typically ranging from $2,500 to $15,000.
- Best for: debt consolidation, medical bills, or planned purchases that require flexibility.
- Typical term: 6 to 36 months
- APR: 6.99%–35.99%*
If you’re unsure which loan type is best for your needs, simply apply online and let our team match you with the most suitable option based on your financial situation and repayment ability.
Whether you need same day funds for an emergency or a longer-term installment loan for larger expenses, we’ll connect you with the right solution, safely, legally, and with no obligation or upfront fees for your free estimate.
Our goal is simple: to make borrowing easy, transparent, and personalized, designed entirely around your financial needs.
How the Loan Process Works
Getting started takes just a few minutes online.
While each loan type, such as payday, cash advance, or personal installment, has its own terms and process (listed on each product page), most lenders follow a similar, simple structure.
- Apply Online – Complete our quick, secure form with your personal and financial details. It only takes a few minutes and won’t impact your credit score.
- Get Matched With a Lender – Our system reviews your information and connects you with a licensed lender offering terms that fit your income and location.
- Review and Accept Your Offer – Read the loan terms carefully, including APR and repayment schedule. Once accepted, the lender may deposit funds the same day or next business day.
Everything can be completed entirely online, from application to funding.
Loan Requirements
Each lender may have slightly different requirements, but generally you’ll need:
- Proof of steady income (employment, self-employment, or benefits)
- Valid government-issued ID
- Active checking account
- U.S. residency and age 18+ (19+ in some states)
Some lenders may also perform a soft credit check to confirm eligibility, it does not affect your credit score.
Why Borrow Through MontanaCapital™
Fast and simple application process
Licensed and trusted lending partners
Options for different credit levels
Secure and transparent terms
No obligation to accept any offer
FAQs
What Are the Main Differences Between Same Day Loans and Installment Loans?
Same day loans (like payday or cash advance loans) are smaller, short-term loans meant for emergencies, while installment loans offer larger amounts with fixed monthly payments over several months.
Can I Qualify With Bad Credit?
Yes. Many of our trusted lenders focus more on your income and ability to repay the loan than on your credit score. Some may run a soft credit check that doesn’t impact your credit.
How Fast Can I Receive the Funds?
If you apply early and your application is approved, you may receive your funds the same business day. Applications completed later in the day are typically funded on the next business day.
Are These Loans Legal in My State?
Yes. All loans are provided by licensed lenders and follow state lending laws and rate caps. Loan amounts, APR, and terms vary by state.
Are There Any Fees or Penalties?
Fees and rates depend on the lender and your state’s laws. Always review the loan agreement carefully to understand the full cost and any applicable fees.
Can I Get Approved If I Have a Low Credit Score?
Yes. At MontanaCapital®, we look at more than just your credit score. Many customers qualify even with fair or low credit, since we also consider income, employment stability, and overall ability to repay.
Most personal and installment loans are typically available for borrowers with credit scores between 580 and 750, but even if your score is lower, we’ll do our best to find a suitable option through our network of trusted, licensed lenders.
Every offer you receive is completely free and without obligation, so you can explore your options confidently, and see what you may qualify for without any commitment.
Responsible Borrowing
At MontanaCapital™, we’re a state-licensed personal loan lender committed to transparent, responsible lending. Every loan we provide, from installment loans to same day loans, follows all state and federal consumer finance regulations, ensuring clear disclosures, fair lending standards, and regulated interest rates.
In addition to our own licensed lending services, we also work with a trusted network of licensed lenders who share our commitment to responsible, compliant lending practices. This allows us to help more customers find the right financing option with competitive rates, flexible terms, and a process that’s fully transparent from start to finish.
Before accepting any loan offer, we encourage you to:
- Review all terms, fees, and repayment details carefully
- Borrow only what you can comfortably repay based on your income
- Ask questions if anything in the loan agreement isn’t clear
- Compare offers to ensure you’re choosing the best option for your situation
Get Pre-Approved for Emergency Loans Online
With no obligation and a free loan estimate, you can explore your options online in minutes. Once pre-approved, funds can often be available within one business day, depending on your bank and state laws.
Our mission is to help customers access emergency funds safely, without risking long-term debt or financial hardship. That’s why we provide educational resources and loan comparison tools to help you make informed, sustainable financial decisions, all within the framework of state-regulated lending laws designed to protect borrowers.
*Disclaimer: Loan amounts, APR, terms, and availability vary by state and lender.
Approval depends on meeting lender credit criteria, and not all applicants will qualify for every product.
Borrowers are encouraged to repay loans early to avoid added costs.
All lending activities comply with state-specific financial regulations and laws.
Written by
Shir Amram
Shir Amram is a senior loan officer at Montana Capital Car Title Loans. With over 10 years of experience in the finance industry, Shir has been an asset in her role and has contributed significantly to our company’s success, Shir’s academic background in economics and financial knowledge helps us fulfill our education mission as she creates a valuable content to our blog.