Title Loans Online - Fast & Easy

3 easy steps to get your cash:

Sign up form

Keep the keys, get the cash!

Pay loan, get title back

How much cash can i get

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

trust icons
Home > Apply for Secured Title Loans > Motorcycle Title Loans

Motorcycle Title Loans

How much cash can i get

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

trust icons

Last update:

When you are in a bind and need some extra cash, title loans can help! Motorcycle title loans are a type of short-term loan that uses your motorcycle as collateral. Approved applicants can receive up to $50,000 as early as the same day. 

A great advantage of motorcycle title loans is that you get to keep driving your motorcycle during loan repayment. It’s as easy as filling out an online application, providing the required documentation, and receiving a decision! 

Benefits of a Motorcycle Title Loan

Discover the many reasons and benefits of getting a title loan with us: fast approval, flexible terms, and more!

  • Borrow up to $50,000
  • 100% online application
  • Continue riding your bike while you pay off your loan
  • Funding available in as little as 5 hours to 1 business day
  • No pre-payment penalties or hidden fees for paying your loan off early
get up to $50,000 using your motorcycle as collateral

Key Eligibility Requirements for Motorcycle Title Loans

To be eligible for a motorcycle title loan in the US, ensure you meet these requirements:

  • Full Ownership: Your motorcycle must be fully paid off
  • Clear Title: The title should be free from any liens or encumbrances
  • Verifiable Income: You need to provide proof of steady income
  • Legal Registration: Your motorcycle should be registered in your state
  • Insurance Coverage: Adequate insurance for the motorcycle is required

Motorcycle title loans are a great option to receive cash quicker than other borrowing options and can be used for any purpose. Let’s break down the motorcycle title loan process.

How Do Motorcycle Title Loans Work?

Dive into the simple process of leveraging your motorcycle’s title for a financial boost with our tailored loan service. Here’s the streamlined path to access your funds:

  1. Initial Assessment: Kickstart the journey by confirming your motorcycle is fully owned by you, with no pending liens on the title.
  2. Quick Pre-Qualification: Just a quick form fill or a phone call to (888) 700-8900 sets the ball rolling.
  3. Discover Your Potential: Our dedicated team will guide you through the possibilities, illustrating the amount you’re eligible for.
  4. Paperwork and Proof: Zip through the document submission to dot the i’s and cross the t’s on your loan agreement.
  5. Speedy Cash Disbursement: With the formalities out of the way, the funds swiftly make their way to you, without sidelining your motorcycle from your daily routine.

Title Loan Approval with Bad Credit

Don’t let a low credit score hold you back. Our motorcycle title loans cater to borrowers with various credit histories. As long as your motorcycle is fully paid off, lien-free, and in your name, you’re in a good position to apply.

Your Credit Score Isn’t the Make-or-Break Factor

There’s no need to have a perfect credit score, as credit history is just one of the many factors considered during the application process. However, we may ask to check yours as part of the title loan process. Here’s everything you need to know.

Income and Qualification for Motorcycle Title Loan:

To qualify for a Motorcycle title loan, you must show your ability to repay the loan. Don’t worry if you are unemployed and don’t have regular pay stubs. Approval decisions for motorcycle title loans also consider different sources of income, such as:

  • Pay statements
  • W2 form
  • Tax statements
  • Disability award letters
  • Social security benefits
  • Workers’ compensation funds
  • Trust documentation
  • Awarded settlement documentation
  • Severance pay documentation

The application process typically takes about five minutes to complete. Then, conditional approval may be given pending review of your documentation.

Motorcycle’s Equity:

Equity is required when using a motorcycle’s value for loan purposes.

Equity means that your motorcycle is worth more than what you owe on it. Even if your motorcycle has remaining payments, you may still qualify for a title loan.

To secure a title loan, borrowers must own their motorcycle outright and sign the title over to the loan company. This provides the lender with collateral in case of loan default. If repayment is not made, the lender can sell the motorcycle to recover their losses.

To determine your motorcycle’s current worth, you can check the Kelly Blue Book for the trade-in fair value. Title loans typically offer 25%-70% of the motorcycle’s total value.

How Much Cash You Can Get?

In the title loan industry, lenders typically provide approved applicants with up to $50,000 on the same day. Moreover, we offer up to 70% of your car’s value, surpassing the industry standard of 25% to 50%. It’s important to borrow responsibly and select terms that suit your financial situation wisely.

It is also wise to research your title loan state’s laws. Title loans are not legal in every state. In this case, you won’t receive any cash regardless of your motorcycle’s value and ability to repay.

Once Approved, How Do I Get My Money?

Once approved for a title loan, you can receive your money through various methods:

  1. Direct Deposit: The funds can be directly deposited into your bank account, making it convenient and fast.
  2. Check: You may receive a check that you can deposit into your bank account or cash as needed.
  3. Cash: In some cases, you can pick up the cash in person at a designated location.

The method of receiving your money may vary depending on the lender and your preference. It’s essential to discuss the available options with the lender during the application process.

Motorcycle Title Loan Repayment Plans

The title loan repayment period is typically between 12 and 36 months, and we will try to tailor a payment plan that fits your budget and lifestyle. Repayment options available to borrowers include:

  • Check/money order 
  • Credit or Debit by phone
  • Credit or Debit online

Pros and Cons of a Motorcycle Title Loan

Like all loan types, there are pros and cons to motorcycle title loans. Here’s what you should consider before applying with a motorcycle title loan lender:


Easy verification process

All credit types can apply

Cash as early as the same day

Quick approval decision

Continue to drive your motorcycle


Motorcycle title loans often come with higher interest rates compared to traditional loans.

Risk of Vehicle Repossession: Since your motorcycle serves as collateral for the loan, there’s a risk of losing your vehicle if you fail to repay the loan as agreed.

It’s essential to carefully weigh the pros and cons and assess your financial situation before proceeding with a motorcycle title loan application.

Motorcycle Title Loans Easy to Get!

Steps to Securing Motorcycle Title Loans Online


Complete the online title loan application. In this step, you will answer various questions, including:

  • Name
  • Contact information
  • Address
  • How much you want to borrow
  • Employment status
  • Annual income

Application Review/Pre-Qualification

Your application will be reviewed. If you meet the loan requirements, you will receive a prequalification.


Review your title loan offer, noting the interest rate, loan amount, and repayment term. If you have any questions, don’t hesitate to reach out for clarification. We care about our customers and are committed to providing you with the highest level of service.

Online Document Submission

Provide the necessary documentation to prove you meet the title loan requirements.

  • A qualifying motorcycle title with your name
  • Proof of current income
  • Proof of residence
  • Motorcycle inspection – in many cases, photos of the sides, front, and back of the motorcycle are sufficient. 
  • Government-issued photo identification – driver’s license, state-issued ID, passport, passport card, military ID, etc.  

Finalizing Your Loan

The last step in your title loan process it to sign your loan documents and receive the cash. Before you do, we encourage you to review your loan agreement in detail. If you have any questions, regardless of how big or small, don’t hesitate to ask it.


How Can You Secure a Motorcycle Title Loan With Poor Credit?

How Much Money Can I Get From a Motorcycle Title Loan?

Is a Bank Account Required for a Title Loan?

Is It Free to Apply for a Motorcycle Title Loan?

The Bottom Line

Motorcycle title loans are an option to get you the money you need asap. They are convenient for emergency situations because cash is paid out quickly if approved. Keep in mind that these loans are meant to provide you with short-term financing to help solve immediate cash needs and should not be considered a long-term solution.

Applying for a motorcycle title loan online through Montana Capital is quick and easy and may give you access to up to $50,000 within 24-48 hours. If maintaining access to your motorcycle while gaining access to short-term financing is important to you, apply online here and get a free quote!

Written by Samantha Hawrylack

Written by

Samantha Hawrylack

Samantha Hawrylack writes for our company and is an expert in personal finance. Sam received her Bachelors of Science in Finance and her Masters in Business Administration from West Chester University of Pennsylvania. She began her career in the financial services industry and shifted to an entrepreneurial role where she could directly impact clients. Sam has an impressive background in personal finance and business management.

Skip to content