Rates, Fees, and Regulatory Information
Montana Capital Car Title Loans®
Simple Cash Loans, Inc., dba Montana Capital Car Title Loans®
12100 Wilshire Blvd, Los Angeles, CA 90025
NMLS ID: 2249848 | California Financing Law License No. 603F508
Phone: 1-888-700-8900 | Email: support@montanacapital.com
CALIFORNIA | Licensed Lender and Licensed Broker
Montana Capital Car Title Loans® is both a licensed direct lender and a licensed broker in California under the California Financing Law.
California Loan Terms (Direct Lending)*
| Loan Amount | $2,500- $10,000 | $10,000 or More |
| APR Range | Up to 36% + Fed Rate | Above 36% (no state cap) |
| Loan Terms | 12-60 Months | No state limit (common: 36–60 months) |
| Fees | $75 max | No state limit (common: 10% of loan) |
| Prepayment Penalty | Not allowed | Not allowed |
| Vehicle Equity | Not required | Not required (common: 25%–50%) |
*State law sets minimums — “common” reflects typical lender practices in California.
License Information:
License Number: 603F508
NMLS ID: 2249848
California Law References
• California Financing Law (DFPI)
• AB-539 Fair Access to Credit Act
Your Rights in California
• No prepayment penalty. Pay off early without extra fees.
• All terms disclosed in writing before signing.
• File complaints with DFPI at dfpi.ca.gov
ALL OTHER STATES | Authorized Broker
In all states except California, MontanaCapital® operates as an authorized loan broker in accordance with applicable state law. We connect borrowers with licensed lending partners who provide title loans, installment loans, and payday loans.
Our lending partners are licensed and regulated by each state’s financial regulatory authority. See the specific state sections below for regulator information and applicable laws.
IMPORTANT: In broker states, MontanaCapital® is NOT the lender. Loan terms, APRs, and fees are set by the originating lender and will be fully disclosed before you sign any agreement.
ALABAMA
Regulator: Alabama State Banking Department
Applicable Laws
• Title loans regulated under Alabama Pawnshop Act
• Consumer loans regulated under Alabama Consumer Credit Act (Title 5, Chapter 19)
Links
• Alabama State Banking Department
ARIZONA
Regulator: Arizona Department of Financial Institutions
Applicable Laws
• Title loans permitted with rate caps based on loan amount
• Lenders must hold DFI license
Links
• Arizona Department of Financial Institutions
DELAWARE
Regulator: Delaware Office of the State Bank Commissioner
Applicable Laws
• Title loans permitted under Delaware Code Title 5
• No statutory APR cap for title loans
Links
• Delaware Office of State Bank Commissioner
GEORGIA
Regulator: Georgia Department of Banking and Finance
Applicable Laws
• Title loans regulated under Georgia Industrial Loan Act
• Lenders must hold Industrial Loan License
Links
• Georgia Department of Banking and Finance
LOUISIANA
Regulator: Louisiana Office of Financial Institutions
Applicable Laws
• Consumer loans regulated under Louisiana Consumer Credit Law
• Minimum loan term of 60 days for loans over $350 – Act 510 (HB 582) of the 2025
Links
• Louisiana Office of Financial Institutions
• Louisiana Consumer Credit Law
MISSOURI
Regulator: Missouri Division of Finance
Applicable Laws
• Title loans regulated under RSMo §367.500 to §367.533
• Maximum title loan amount of $5,000
• Minimum loan term of 30 days
• Principal reduction required after 3rd renewal
Links
• Missouri Division of Finance
• Missouri Title Loan Law (RSMo Chapter 367)
• 367.512. Title Loan Requirements — Liability of Borrower
NEW MEXICO
Regulator: New Mexico Financial Institutions Division
Applicable Laws
• Consumer loans regulated under New Mexico Small Loan Act
• Maximum APR of 36% for loans up to $10,000 (effective 2023)
• Minimum term of 120 days
• Minimum 4 installment payments required
Links
• New Mexico Financial Institutions Division
SOUTH CAROLINA
Regulator: South Carolina Board of Financial Institutions
Applicable Laws
• Consumer loans regulated under SC Consumer Finance Law
• Lenders must hold Consumer Finance License
Links
• South Carolina Board of Financial Institutions
TENNESSEE
Regulator: Tennessee Department of Financial Institutions
Applicable Laws
• Title loans regulated under Tennessee Title Pledge Act (TN Code §45-15)
• Interest rate cap of 2% per month under Title Pledge Act
• Additional fees may apply under Flexible Credit Act
• Minimum loan term of 30 days
Links
• Tennessee Department of Financial Institutions
TEXAS
Regulator: Texas Office of Consumer Credit Commissioner
Applicable Laws
• Title loans regulated under Texas Finance Code Title 5
• Many lenders operate as Credit Access Businesses (CABs)
• All terms must be disclosed before signing
Links
• Texas Office of Consumer Credit Commissioner
• Texas Finance Code Chapter 393
UTAH
Regulator: Utah Department of Financial Institutions
Applicable Laws
• Title loans regulated under Utah Title Lending Registration Act
• Loan amount limited to fair market value of vehicle
Links
• Utah Department of Financial Institutions
• Utah Title Lending Registration Act
MILITARY SERVICEMEMBER PROTECTIONS
Active duty military and dependents are protected under the Military Lending Act (MLA):
• Maximum APR of 36% including all fees
• No prepayment penalties
• No mandatory arbitration
• Learn more about MLA protections
TRIBAL LENDERS
Some loans may be originated by tribal lenders operating under tribal sovereignty. Tribal lenders may not be licensed by state regulators. Review all terms carefully before accepting a tribal loan.
GENERAL DISCLOSURES
Title loans are high cost, short term loans. Consider before borrowing:
• Risk of repossession if you cannot repay
• Rolling over loans increases total cost
• Consider alternatives such as credit unions, payment plans, or nonprofit counseling
How to File a Complaint
MontanaCapital®: support@montanacapital.com | 1-888-700-8900
Or contact your state regulator using the links above.
VERIFY OUR LICENSES
• NMLS Consumer Access (ID: 2249848)
• California DFPI License Search
Last Updated: December 2025
Montana Capital Car Title Loans® | NMLS ID: 2249848 | CA License: 603F508