Montana Capital Car Title Loans®
This page is part of our commitment to transparency, accuracy, and responsible financial publishing.
Last Updated: January 2026
PLEASE READ THESE TERMS CAREFULLY. By accessing or using this website, you agree to be bound by these Terms of Use and our Privacy Policy. If you do not agree to these terms, please do not use this website.
1. Introduction and Acceptance
Welcome to montanacapital.com (the “Site”), operated by Simple Cash Loans, Inc., doing business as Montana Capital Car Title Loans® (“Montana Capital,” “we,” “us,” or “our”). These Terms of Use (“Terms”) govern your access to and use of this Site.
By using this Site, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. If you are using this Site on behalf of an organization, you represent that you have authority to bind that organization to these Terms.
2. Who We Are
In California, Montana Capital Car Title Loans® operates as a licensed direct lender and licensed broker under the California Financing Law (DFPI License No. 603F508, NMLS ID: 2249848). In all other states, we act as an authorized loan broker connecting you with licensed third-party lending partners.
You can verify our licenses at nmlsconsumeraccess.org or dfpi.ca.gov. For state-specific information, see our State Disclosures.
3. Eligibility
To use this Site and our services, you must:
- Be at least 18 years of age
- Be a legal resident of the United States
- Have the legal capacity to enter into a binding agreement
- Not be prohibited from using this Site under applicable law
Loan availability, terms, and products vary by state. Our lending and brokerage activities are subject to state licensing and regulatory requirements.
4. Changes to These Terms
We may update these Terms from time to time. When we make changes, we will update the “Last Updated” date at the top of this page. Your continued use of the Site after any changes constitutes your acceptance of the revised Terms.
We encourage you to review these Terms periodically. If you do not agree to the modified Terms, you should discontinue your use of the Site.
5. Permitted Use of the Site
We grant you a limited, non-exclusive, non-transferable, revocable license to access and use this Site for personal, non-commercial purposes in accordance with these Terms.
You May:
- Browse the Site and access educational content
- Submit a loan application for yourself
- Download or print content for your personal use
- Link to our homepage, provided the link does not portray us in a false or misleading manner
You May Not:
- Use the Site for any unlawful purpose or in violation of these Terms
- Copy, modify, distribute, or create derivative works from our content without permission
- Use data mining, robots, or similar data gathering tools on the Site
- Attempt to gain unauthorized access to any part of the Site or its systems
- Upload viruses, malware, or other harmful code
- Interfere with the proper functioning of the Site
- Use our trademarks, logos, or branding without prior written consent
6. Account Security
If you create an account or receive login credentials to access portions of this Site, you are responsible for:
- Maintaining the confidentiality of your username and password
- All activities that occur under your account
- Notifying us immediately of any unauthorized use of your account
To report unauthorized access, contact us at legal@montanacapital.com or call 818-503-9393.
7. Intellectual Property
All content on this Site—including text, graphics, logos, images, software, and other materials (collectively, the “Content”)—is owned by Montana Capital or our licensors and is protected by U.S. copyright, trademark, and other intellectual property laws.
“Montana Capital Car Title Loans” and our logo are registered trademarks. You may not use our trademarks without prior written permission.
Any feedback, suggestions, or ideas you provide to us may be used by us without any obligation to compensate you.
8. Disclaimers
No Professional Advice
The information on this Site is for general educational purposes only and does not constitute financial, legal, or tax advice. Before making financial decisions, we encourage you to consult with a qualified professional. For more information, see our Legal Disclaimer.
“As Is” Basis
THIS SITE IS PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.
We do not warrant that:
- The Site will be uninterrupted, secure, or error-free
- Any errors or defects will be corrected
- The Site is free from viruses or other harmful components
9. Limitation of Liability
TO THE FULLEST EXTENT PERMITTED BY LAW, MONTANA CAPITAL AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR USE OF THIS SITE.
Some states do not allow limitations on implied warranties or the exclusion of certain damages. If these laws apply to you, some or all of the above limitations may not apply, and you may have additional rights.
10. Indemnification
You agree to indemnify, defend, and hold harmless Montana Capital, its affiliates, and their respective officers, directors, employees, and agents from any claims, damages, losses, or expenses (including reasonable attorneys’ fees) arising from:
- Your use of the Site
- Your violation of these Terms
- Your violation of any third-party rights
11. Dispute Resolution
Informal Resolution First
Before filing any formal claim, you agree to contact us to attempt to resolve the dispute informally. Email us at legal@montanacapital.com with a description of your concern. We will try to resolve the matter within 30 days.
Binding Arbitration
If we cannot resolve the dispute informally, you and Montana Capital agree that any controversy or claim arising out of or relating to these Terms or your use of the Site shall be resolved by binding arbitration administered by the American Arbitration Association (AAA) in accordance with its Commercial Arbitration Rules.
Key arbitration terms:
- Arbitration will be conducted by a single arbitrator in Los Angeles County, California
- The arbitrator’s decision will be final and binding
- Judgment on the arbitration award may be entered in any court of competent jurisdiction
- Each party shall bear its own attorneys’ fees
Class Action Waiver
YOU AND MONTANA CAPITAL AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING.
Small Claims Court Option
Notwithstanding the above, either party may bring an individual action in small claims court in the California county where you reside (if you are a California resident) or in Los Angeles County, California.
Federal Arbitration Act
This arbitration agreement is governed by the Federal Arbitration Act (9 U.S.C. §§ 1-16).
12. Governing Law
These Terms and any disputes arising from your use of this Site shall be governed by and construed in accordance with the laws of the State of California, without regard to its conflict of law principles.
13. Third-Party Links
This Site may contain links to third-party websites for your convenience. We do not control these external sites and are not responsible for their content, privacy practices, or terms of use. Linking to a third-party site does not imply endorsement. You access external websites at your own risk.
14. Electronic Communications
By using this Site or providing us with your contact information, you consent to receive electronic communications from us, including:
- Emails about your loan application or account
- Text messages if you have opted in (see our Text Message Policy)
- Notices and disclosures required by law
For details on text message communications, see our Text Message Policy.
15. USA PATRIOT Act Notice
Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account or applies for a loan. When you apply, we may ask for your name, address, date of birth, Social Security number, and other identifying documents.
16. Termination
We may terminate or suspend your access to the Site at any time, without prior notice, for any reason, including if we believe you have violated these Terms. Upon termination, your right to use the Site will immediately cease.
Provisions of these Terms that by their nature should survive termination shall survive, including intellectual property rights, disclaimers, limitations of liability, and dispute resolution provisions.
17. Severability
If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect. The invalid provision shall be modified to the minimum extent necessary to make it valid and enforceable while preserving its original intent.
18. Entire Agreement
These Terms, together with our Privacy Policy, Legal Disclaimer, and any other policies referenced herein, constitute the entire agreement between you and Montana Capital regarding your use of this Site.
19. Contact Information
If you have questions about these Terms of Use, please contact us:
Email: legal@montanacapital.com
Phone: 818-503-9393
Mail: Montana Capital Car Title Loans
12100 Wilshire Blvd, Suite 800
Los Angeles, CA 90025
Related Documents
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Montana Capital Car Title Loans® | Simple Cash Loans, Inc.
NMLS ID: 2249848 | CA License: 603F508
© 2026 Montana Capital Car Title Loans®. All rights reserved.