Montana Capital Review | Compare Loan Options | Credit Raters us-lenders
Last updated: 28th Feb 2020

Montana Capital Review

Going through a financial crisis has never been easy. When you have unexpected bills or medical emergencies and need fast cash, getting a loan is a good idea. 

If your credit score is wanting and you’re worried that you can’t find a good lender, then you’re wrong. You can qualify for an auto loan with Montana Capital, even if your credit score is not good

Since it opened its doors in 2007, Montana Capital Car Title Loans focuses on helping its customers get through financial difficulties with ease. You can qualify to loan amounts of up to $20,000 with very competitive rates and repayment terms. 

To find out whether Montana Capital is the best line of credit for your financial needs, make sure you read this review to the end. 


With this lender, you can qualify for loan amounts ranging from $2,600 to $20,000. All the loans are secured and usually repaid within a term of 3 years. 

Also, Montana Capital doesn’t advertise its rates online. It’s therefore hard to estimate the amount you will be charged for your loan before you apply. 

The interest you’ll be charged may depend on the borrowed loan amount, ability to pay back, and the worth of your car. 

Key features 

One thing to note about Montana Capital auto title loans is that they are secured using your alien-free car title. If you are unable to repay the loan balance, you risk losing your car for good. 

When determining whether you qualify for a loan, Montana considers your ability to pay back the loan. So, if your bad credit profile has been a barrier to be eligible for a short term loan, that should no longer be a concern. What matters is your potential to repay the loan. 

While Montana Capital is a direct lender, in some cases, it may act as a broker. If it’s not able to offer the loan services that you need, it can connect you to one of its partner lenders. As well, if you are not a resident of California, then you can’t access its loan services. 

The loan application and processing time is very quick. You can apply online or visit one of their branches. Unlike with other lenders where you have to wait until 2 to 3 business days to receive the money, if your loan is approved, it will be available within a few hours. 

Depending on the amount of loan that you qualify for, you can take up to 3 years to repay the loan. The first payment is due in 30 days, followed by monthly installments. As well, you can pay off the loan balance before the due dates. No prepayment fees will be charged for paying off your loan early. 

With Montana Capital, you can pay your loan through;

  • Phone payments – you can make a credit/debit card payment over the phone at 800-700-8900 – (headquarters call center). You’ll be connected with an agent to guide you through the payment. 
  • Mail a money order /check to its main office 
  • Cash payment through MoneyGram 


  • Quick loan application 
  • No prepayment penalties 
  • Favorable repayment terms 
  • Large loan limits – up to $20,000
  • No DMV paperwork 


  • Only available to residents of California 
  • Limited details available online 


Does Montana Capital check my credit? 

Yes, it might, to confirm your identity and your creditworthiness. 

Does Montana Capital put a GPS tracker on my car? 

Yes. Your car is used as collateral for the loan that you’ll be offered. Therefore, a GPS device is installed in your car. You can then have it removed once you have fully repaid the loan. You can contact its support team for more details. 

Do I need to provide my bank account during the application? 

Unlike other lenders who will only pay you through a checking account, Montana Capital can pay you with cash or check if you don’t want to use your bank account. 

Eligibility Criteria

To qualify for an auto loan with Montana Capital, you must meet a few basic requirements, including;

  • Besides at least 18 years old 
  • Be a resident of California 
  • Have a Lien-free car title 
  • Have a regular income 
  • Provide proof of car insurance and income 

State Availability

Montana Capital auto loans are only accessible to residents of California. 

Customer support

If you need any advice regarding your loan or comment or questions, you can direct them to the customer support team. The team will assist and offer you the best advice regarding your situation. You can reach them at 1-800-700-8900. 

Application process

To apply, you have three application options. You can apply online, visit one of their branches, or over the phone. To apply on the phone, you can call 888-700-8900 and speak with one of its agents. 

To apply online, follow the following steps;

Step 1 – Visit the Montana Capital website application page and click Apply. 

Step 2 – Select the desired loan amount you’d like to borrow and click Next. 

Step 3 – Select the details of your car, including the make, model, year, style, and mileage. Click Next to continue. 

Step 4 – Enter your personal details, including your name, phone number, email address, and residential address. 

Step 5 – Read and agree to the terms and conditions and privacy policy then click Submit. 

Step 6 – wait for an agent to contact you for further details. You may be requested to provide proof of documents. As well, a GPS device will be installed on your car, which will be removed once you have repaid the loan. 

Step 7 – If approved, you can receive the allocated funds on the same day or the next business day. 


If you live in California and are going through a rough financial situation, an auto loan from Montana Capital is a great place to find solutions. 

However, be careful how much you borrow and only borrow the amount that you’re sure you can be able to pay. Late repayment may attract additional fees, or you could end up losing your car if you default your loan.