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Montana Capital Car Title Loans Review

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About Company

Montana Capital car title loans are a type of financial assistance provided by Montana Capital, a reputable company in the loan industry. These loans allow individuals to use the title of their car as collateral to secure a loan. By leveraging the value of their vehicle, borrowers may access fast cash through Montana Capital car title loans, even if they have a bad credit history. The process involves a simple online application, and once the necessary information is submitted, borrowers can receive a quick loan decision. It's essential to note that Montana Capital acts as an intermediary in this process and is not a direct lender itself. Instead, they play a crucial role in linking individuals seeking car title loans with reputable lenders in their network.

Montana Capital Car Title Loans


  1. Loan Amounts Up to $20,000. Montana Capital car title loans provide borrowers with the flexibility to access loan amounts of up to $20,000. This higher loan limit can be particularly beneficial for individuals who require a substantial amount of financial assistance.

  2. Online Application Process. One of the standout features of Montana Capital's title loans is the convenience of an online application process. This allows borrowers to initiate their loan request from the comfort of their own homes, streamlining the application and approval process.

  3. Multiple Title Loan Options Available. Montana Capital understands that financial needs can vary among individuals. To cater to this diversity, the company offers several title loan options. Borrowers can choose from different loan products based on their specific requirements and financial circumstances.

  4. Serving 46 States. Montana Capital car title loans extend their services across 46 states, providing widespread accessibility for individuals in need of quick financial solutions. This broad coverage demonstrates the company's commitment to reaching and assisting a diverse range of customers nationwide.

  5. Not a Direct Lender. Montana Capital operates as a facilitator rather than a direct lender. This distinction implies that while they connect borrowers with lenders, they themselves do not directly provide the funds.

Pros and Cons


Fast and Simple Application Process. Montana Capital offers a quick and straightforward online application process, allowing borrowers to initiate their loan request with ease.

Loans Available for Borrowers with Poor Credit. A significant advantage of Montana Capital is its willingness to provide loans to individuals with poor credit. This inclusivity allows those with less-than-perfect credit histories to access financial assistance.

Flexible Repayment Terms. Montana Capital car title loans come with flexible repayment terms, accommodating the diverse financial situations and needs of borrowers. This flexibility can make it easier for individuals to manage their repayment schedules.


Car Title Used as Collateral. One notable drawback is that Montana Capital requires borrowers to use their car title as collateral for the loan. While this enables those with poor credit to qualify, it also poses a risk of repossession if the borrower is unable to repay the loan.

Higher Interest Rates Compared to Traditional Loans. Montana Capital car title loans may come with higher interest rates compared to traditional loans. Borrowers should carefully consider the cost of borrowing and be aware that the overall repayment amount may be higher.

Risk of Repossession if Unable to Repay the Loan. As with any secured loan, there is a risk of repossession if the borrower is unable to meet the repayment obligations. This risk underscores the importance of careful consideration and financial planning before entering into a car title loan agreement.

How to Get a Montana Capital Car Title Loan?

  1. Go to Their Website. Start by visiting the official website of Montana Capital. Navigate to the platform where they provide information about their car title loan services.

  2. Choose the Amount Range You Need. On the website, you'll typically find a tool or section that allows you to choose the loan amount range you need. Select the amount that suits your financial requirements.

  3. Choose Your State. Montana Capital car title loans operate in multiple states. Choose your specific state from the options provided to ensure you are eligible for the loan services in your location.

  4. Fill Out the Online Application. Locate the online application form on the website. This form will require you to provide essential information, including personal details, information about your car, and financial details. Be prepared to submit details about your income and employment.

  5. Accept the Application. Once you have filled out all the required information accurately, submit the online application. Ensure that you review the details before submission to avoid any errors.

Requirements and Conditions


  1. Minimum Age of 18. You must be at least 18 years old to be eligible for a Montana Capital car title loan.

  2. Legal Ownership. Your name must be on the title of the vehicle as the legal owner. Only individuals with legal ownership of the vehicle can use it as collateral for the loan.

  3. Lien-Free Vehicle Title. To qualify for a car title loan, your vehicle must have a lien-free title in your name. This means there should be no outstanding loans or liens against the vehicle.

  4. Proven Income for Repayment. Montana Capital requires borrowers to prove their ability to afford loan repayment. This typically involves providing documentation or other forms of proof of income.

  5. Adequate Vehicle Value. The vehicle used as collateral must have sufficient value to cover the required loan amount. The assessed value of the vehicle plays a crucial role in determining the loan amount you may qualify for.

  6. Government-Issued Photo Identification. You must have proper government-issued photo identification to verify your identity. This is a standard requirement for the loan application process.


  1. Loan Amount. The loan amount for Montana Capital car title loans starts at $2,600 and can go up to $20,000. The specific amount you qualify for depends on factors such as the value of your vehicle and your ability to repay.

  2. Length of Loan Term. Borrowers have the flexibility to select a loan term that aligns with their income and expenses. Montana Capital car title loans typically have a duration ranging from 12 to 48 months.

  3. Interest Rate Per Year. It's essential to understand the impact of the annual interest rate on your monthly payments. Montana Capital charges interest rates between 60% to 175%.


  1. Car Title Loans. Car title loans are one of the primary products offered by Montana Capital. Borrowers can use the title of their car as collateral to secure a loan, providing them with quick access to cash.

  2. Motorcycle Title Loans. Montana Capital extends its title loan services to motorcycle owners. Motorcycle title loans allow individuals to use their motorcycle's title as collateral to obtain a loan.

  3. RV Title Loans. RV owners can also benefit from Montana Capital's title loan services. RV title loans enable individuals to leverage the value of their recreational vehicle to secure a loan.

  4. Truck Title Loans. Truck title loans are designed for individuals who own trucks. By using the title of their truck as collateral, borrowers can access funds through Montana Capital's title loan offerings.

  5. Boat Title Loans. Boat owners can utilize Montana Capital's title loan services through boat title loans. These loans allow individuals to use their boat's title as collateral to secure a loan.

Ways to Receive the Money

You will receive your loan amount after completing the necessary steps. If everything looks good and you meet the requirements, you'll need to sign a few documents. Once the paperwork is finalized, you can collect your check within the same day (in some cases, you may receive your money on the following day).

Things to Pay Attention To

  1. Credit Criteria. Pay attention to Montana Capital's credit criteria, as they specialize in bad credit loans approved, providing financial solutions for individuals with less-than-perfect credit histories.

  2. Hidden Fees. Be vigilant about hidden fees. Montana Capital emphasizes transparency, so it's crucial to review and understand all terms to avoid surprises and ensure there are no hidden fees.

  3. Quick Approval Process. Montana Capital offers a swift approval process, aiming for final approval within one business day. This speed, combined with the option for simple cash loans, makes it convenient for urgent financial needs.

  4. Location and Licensing. Check the company's professional licensing and its physical presence. Montana Capital's local business approach ensures legitimacy and compliance with industry standards.

  5. Flexible Repayment Options. Explore the flexibility of repayment options. Montana Capital provides the ability to choose a loan term that aligns with your financial situation, allowing you to manage your payments effectively.

How to Repay a Montana Capital Car Title Loan?

  1. Online in Your Loan Portal. Utilize the online payment option available in your loan portal for quick and efficient repayment from your bank account.

  2. Over the Phone. Make payments over the phone by calling 818-503-9393. This option provides flexibility, allowing you to manage your payments with a simple phone call.

  3. Cash Payments at Your Local 7-Eleven. Montana Capital offers the convenience of making cash payments at your local 7-Eleven, providing a widely accessible option for borrowers.

  4. Check or Money Order. Choose the traditional route by sending a check or money order through the mail to Montana Capital Car Title Loans.

Reasons for Getting Rejected for a Montana Capital Car Title Loan

  1. Credit Criteria. Failure to meet the credit criteria, especially if you don't qualify for a bad credit loan or if your credit history doesn't align with the company's requirements.

  2. Insufficient Income. Inability to prove sufficient income to afford repayment, a crucial factor for lenders in the approval process.

  3. Inadequate Vehicle Value. If your car's assessed value is insufficient to cover the loan amount, it may lead to rejection.

  4. Incomplete Documentation. Failure to submit all required documents during the application process, affecting the lender's ability to assess your eligibility.

  5. Outstanding Liens. Having outstanding liens or loans on your car's title can result in rejection for a car title loan.


  • Advance America offers various financial services, including title loans, installment loans, and cash advances, catering to individuals with short-term financial needs.

  • Check Into Cash provides a range of financial solutions, including payday loans, title loans, and other services like check cashing and bill pay.

  • TitleMax specializes in title loans, offering a similar service to Montana Capital. Customers can use their vehicle title as collateral to secure a loan.

  • Speedy Cash is known for its quick and accessible financial services, providing payday loans, title loans, and other short-term lending options.

Editorial Opinion

Montana Capital title loans presents itself as a viable option for individuals seeking financial assistance, particularly those with bad credit, as they claim to offer bad credit loans approved. The company operates within the spectrum of loan companies, providing different loan amounts and pre-approved options. Their commitment to delivering funds by the next business day underscores the urgency they recognize in addressing consumers' financial needs. However, as with any financial service, it is crucial for consumers to thoroughly review the terms before accepting, submitting, or signing any agreements to ensure a clear understanding of the commitment they are making. Transparency and open communication are essential aspects, and potential borrowers are encouraged to contact representatives for any clarification. Ultimately, the decision to engage with Montana Capital title loans or any similar lender should be approached with careful consideration, especially when financial matters involving family or other parties are at stake.


Keeping your Debt-to-Income (DTI) ratio below 30-40% of your monthly income is crucial. This will help you avoid potential financial problems in the future. Additionally, always assess the necessity and feasibility of taking a loan, ensuring you can comfortably manage its repayment.

How to Choose a Lender

  1. Make sure to confirm whether the lender is licensed to operate in your state. You can verify this information with your state regulator or attorney general.

  2. Check if the lender is a member of a reputable association, such as the Community Financial Services Association of America. Membership in such organizations may provide an extra level of reliability.

  3. Carefully review all the terms and conditions of your payday loan contract.

  4. Thoroughly examine the interest rates on payday loans and ensure that your contract includes a detailed breakdown of the total cost of the loan.

  5. Take advantage of your right of rescission. Usually, you can rescind the loan within three days after signing the agreement. Alternatively, there is typically a "cooling-off" period, which allows you several days to thoroughly review the contract before making an informed decision to enter into a consumer loan agreement based on the terms specified by the lender.

  6. Choosing a payday lender is a significant decision that demands careful consideration and a good understanding of how such organizations operate.

Other Loans

Additional Resources

  • Full Montana Capital Car Title Loans Account Review
  • How to Apply For Montana Capital Car Title Loans Loan
  • How to PayOff Montana Capital Car Title Loans Loan
  • Montana Capital Car Title Loans Reviews
  • All Montana Capital Car Title Loans Coupons and Promo for July 2024
  • Montana Capital Car Title Loans Loans for July 2024



Can I qualify for a Montana Capital title loan with bad credit?

Yes, Montana Capital specializes in bad credit loans, making it possible for individuals with less-than-ideal credit histories to qualify for car title loans.

What is the minimum loan amount I can apply for with Montana Capital?

Montana Capital offers car title loans with a minimum loan amount of $2,600. The specific amount may vary, so it's advisable to check with the lender or refer to the terms provided during the application process.

How quickly can I receive funds from a Montana Capital title loan?

Montana Capital aims to provide funds quickly, often within the next business day. However, the actual time may vary based on the completion of the application process and final approval.

Company documents

Terms & Conditions
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A regular bank may say “no”, but Montana Capital Car Title Loans® is different. That’s because we don’t base our loans only on your credit report. The size of your title loan is determined by the amount of cash you need, your vehicle’s value, and your ability to repay back the loan.

© Simple Cash Loans, Inc., d/b/a Montana Capital Car Title Loans
Rating by Finanso®

The rating by Finanso® is determined by our editorial team. The scoring formula includes a financial product type as well as tariffs, fees, rewards and other options.

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Interest rate

from 4.5%

Loan term for the financial product

up to 36 months
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Rating by Finanso®

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