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Title Loan Refinance

How much cash can i get

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

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Shir Amram

Written by: Shir Amram

Lower Your Payments Today or Get Extra Cash Now!

Car title loans can provide fast cash, but high rates and service issues may lead to regrets about your lender choice. Are you looking to reduce your title loan payments or in need of additional funds? Well, it’s not too late. 

Montana Capital is here to assist!

We offer car title loan refinance programs for cars, motorcycles, RVs, and more, aiming to decrease your monthly payments and provide the extra cash you might need.

Our approach is straightforward and designed for your convenience, with a history of assisting thousands in improving their title loan terms.

In a Nutshell

Refinancing your car title loan means obtaining a new loan to replace the existing one, potentially with more favorable terms such as reduced monthly payments or lower interest rates.

This option is available whether you wish to continue with your current lender or switch to a new one for better terms.

Montana Capital Title Loans Refinancing

Considering a refinance? Reach out to us for a no-obligation, free estimate and discover if refinancing your car title loan is the right move for you.

It’s an opportunity to save a lot of money without any risk.

Get a free refinancing estimate today!                              

Our Process is Simple!

  1. Fill out and submit the online form or contact us at 800-700-8900.
  2. Provide your current loan details to one of our loan officers.
  3. Our loan officer will illustrate potential monthly savings through refinancing.
  4. Submit all required documents and items requested by the loan officer.
  5. Start enjoying reduced payments after completing the process.

5 Benefits of Title Loan Refinance

  1. Lower Interest Rate: Refinancing your auto title loan can lead to reduced interest rates, keeping more money in your pocket over the loan’s duration.
  2. Extended Terms: Refinancing may allow for longer repayment periods, easing the burden of high monthly payments.
  3. Avoid Repossession: Refinancing can help prevent vehicle repossession by offering more manageable payment plans.
  4. Switching Lenders: Refinancing your car title loan allows you to switch to a lender with better customer service, improving your overall experience.
  5. Access to Additional Cash: Depending on your vehicle’s equity and the refinance terms, you might access extra funds while still lowering your overall monthly payments.

Required Documentation For Title Loan Refinance

Before delving into the refinancing process, some preparation is required. 

The required paperwork for refinancing will resemble the documents you submitted when applying for your current car title loan.

  • Proof of Income: Submit recent paychecks or bank statements as evidence of your steady income, which is crucial for securing the terms of your new loan.
  • Vehicle Title: Provide the original title of your car, ensuring it’s free of liens, or include a lien release if the car is still under financing.
  • Government-Issued ID: Have on hand a valid driver’s license, passport, or any official state identification to verify your identity.
  • Proof of Residence: Show a utility bill or your lease agreement to confirm your current living address.
  • Current Loan Documentation: Offer details about your current car title loan, such as the loan amount and your lender’s contact information.
  • Vehicle Registration: Ensure your vehicle’s registration is current and valid for the car associated with the title loan.
  • Insurance Information: Demonstrate proof of either comprehensive or liability insurance coverage for your vehicle.

How to Refinance Your Title Loan

Title loan refinancing is a straightforward process, similar to applying for a new auto title loan.

However, before you begin the application, there are some important steps to take.

Steps to Prepare for Title Loan Refinancing:

1. Review Your Current Contract

Take the time to thoroughly examine your existing title loan contract. 

Ensure that your title loan lender is adhering to the terms and conditions, and check for any clauses that may complicate refinancing, such as early termination fees.

2. Qualifying for Refinancing

Refinancing doesn’t automatically guarantee a better deal. You must qualify first, demonstrating your ability to repay. Issues like defaults and late payments may affect your eligibility. 

Be sure to review the loan requirements thoroughly to avoid disqualification.

3. Explore Your Options

Montana Capital Car Title Loans is one of the leading auto title loans providers in southern California, offering unique options that set us apart from others. 

Take the time to explore the various loan options available, including our competitive rates calculated using our loan calculator. If you have any questions, don’t hesitate to reach out to us for assistance.

4. Determine Your Loan Amount

Consider whether you need to adjust your loan amount when refinancing. 

Depending on your repayment progress, you may have the opportunity to borrow more or less than your initial loan amount.

5. Apply for Refinancing

Once you’ve addressed these considerations, you’re ready to start the application process. 

Be prepared to provide necessary documents and information, and don’t hesitate to reach out if you have any further questions or concerns.

Remark: By following these steps, you’ll be well-equipped to pursue title loan refinancing and make informed decisions about your financial situation.

Various Payment Alternatives

The new title loan lender will discuss various repayment options with you. Our company provides the following methods to repay your new title loan:

  • Set Up Automatic Payments
  • Mail Checks
  • Online Portal Payment
  • Phone Payments
  • In-Person Payments at Nearby Locations

Refinancing a Car Title Loan in California

Refinancing a car title loan in California offers individuals an opportunity to enhance their financial standing. 

By renegotiating loan terms, borrowers can aim for lower interest rates or longer repayment periods. Additionally, they may tap into extra funds based on their vehicle’s equity. 

Partnering with a trustworthy lender like us allows Californians to navigate tailored refinancing options. This partnership provides a pathway to improved financial management and relief from existing burdens.

Lender Tip: Only consider refinancing your car title loan if the new loan provides improved terms and rates compared to your current one. Otherwise, it might not be beneficial.


Do You Get More Money When You Refinance a Title Loan?

Yes, you might obtain extra funds during the refinance process if your vehicle’s value exceeds the loan balance.

When You Refinance a Car Who Gets The Title?

When you refinance a car, the new lender typically becomes the lienholder on the vehicle. This means that they hold the title until the loan is fully paid off. 

Once the loan is repaid, the title is transferred back to you, the owner of the car.

What Qualifies You To Refinance Your Car?

To qualify for refinancing your car, several factors are typically considered by lenders:

  • Good credit score
  • Sufficient equity in the car
  • Stable income
  • Age of the existing loan

What Are The Requirements to Refinance a Car Title Loan?

  • Clear Title: You must own the vehicle outright.
  • Sufficient Equity: The car should have enough equity.
  • Proof of Income: Lenders may require income verification.

Do I Need Good Credit to Refinance a Car Title Loan?

No, having good credit isn’t necessary to refinance a car title loan. Title loan lenders primarily consider your vehicle’s value and your income when approving car title loan refinancing.

However, they may still take your credit history into account.

What’s The Difference Between Title Loan Buyout and Title Loan Refinance?

While both title loan buyout and title loan refinance involve replacing a current title loan with a new one, there are distinct differences between the two.

Title Loan Buyout: This occurs when a new lender pays off your existing title loan and provides you with a new loan agreement. 

The primary goal is to offer you better terms or lower interest rates. Essentially, you’re switching companies, and the new lender takes over the lien on your vehicle.

Title Loan Refinance: Refinancing, on the other hand, can happen with the same lender or a new one. It typically involves renegotiating the terms of your current title loan agreement to secure more favorable conditions. 

The focus here is on modifying your current loan’s terms rather than starting anew with a different lender.


Need to make your car title loan payments more manageable? Our car title loan refinance service is designed to help. With our easy process and history of helping many customers, we make it simple for you.

If you want to find out more or see how our programs can help you, just get in touch. We offer a free estimate with no obligation

Contact us today online or by phone at 800-700-8900 to learn more.

Shir Amram

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. 

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