What are the requirements for getting a car title loan?

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Author: Montana Capital

To apply for a car title loan, you will need to provide a car title, proof of ability to repay the loan, ID, proof of income and expenses, and sometimes also car insurance. You might be asked to present additional documents.

Read about the complete title loan requirements.

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Must I have a job to get approved?

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No. Being unemployed doesn’t necessarily mean you can’t get approved for a title loan. If you can prove your ability to repay the loan and meet our credit criteria, there’s a good chance we’ll approve the loan.
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How do I pay for my car title loan?

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You have several payment options: online payments, phone payment, Cash and Check / Money order. Find out more in our How to Pay page.
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Loans made or arranged pursuant to a California Financing Law License #603F508 Montana Capital Car Title Loans® (Simple Cash Loans Inc., DBA). In California, we may act as the broker for the loan, and may not be the direct lender. In all other serviced states, we will match you with a lender based on the information you provide on this website. We will not charge you for this service and our service is not available in all states. States that are serviced by this website may change from time to time and without notice. Montana Capital Car Title Loans® has no control over other lenders’ interest rates or payments, which may vary by consumer. We cannot guarantee we will find a lender who will fund you just because you provide us with your information on this website; in no way do we guarantee you will be approved for a car title loan or any other type of loan. Loan approval is subject to meeting lenders credit criteria, which may include providing acceptable property as collateral. Consumers need to demonstrate ability to repay the loan. Loan proceeds are intended primarily for personal, family and household purposes. Minimum loan amounts vary by state. Car Title Loans are expensive, and you may have other ways to get funding that is less expensive. These types of loans are meant to provide you with short term financing to solve immediate cash needs and should not be considered a long-term solution. Lenders recommend and encourage consumers to pay early and often and more to avoid additional finance charges.

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