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Montana Title Loans – How Do They Work

Have you ever considered using a car or truck as collateral for a loan on a vehicle? With this type of loan, you can borrow a significant amount of money, and your loan is based on your car’s equity value. You can’t have any existing liens on your vehicle and you’ll submit the title to your car as collateral to a lender. They hold this title as collateral, and you can then repay your loan, plus interest, by a set due date.

Premier Title Loans offers access to title loans in Montana, and anyone can qualify regardless of their credit history. Loan amounts start at $1,000 in Montana, and you can qualify and get funded in less than one business day. Call us at 800-250-6279 to start your application.

Requirements For Auto Title Loans In Montana

To apply for auto title loans in Montana, your vehicle must be wholly owned by you and have a clear title. That paid off pink slip is the main requirement for a title loan, and you won’t get far in the underwriting process if your vehicle is not fully paid off.

Other underwriting requirements will vary, but you’ll likely need a valid driver’s license and proof that your vehicle has up to date registration and insurance coverage. You also need evidence of steady income and proof of residence in Montana. The vehicle’s pink slip must be in your name with no liens against it. In addition, some online title loan companies may ask for additional documents, and you may need to install a GPS tracking device on your vehicle for loan amounts of $5,000 or more.

Another requirement that’s common for title loans over $5,000 is a mandatory vehicle inspection. While some lenders allow you to verify the vehicle with pictures or videos, that’s often no possible for high dollar loan amounts as there’s too much risk for a lender. Most title loan companies in Montana will ask that you bring in your car or truck so they can inspect it in person and verify the vehicle’s value during that same visit. One bonus of an in-person inspection is that you can sometimes get your money on that same visit through a cashier’s check or money order!

Interest Rates And Payoff Terms For Title Loans In Montana

Title loan interest rates are high and can approach 100% with some lenders in Monta. Negotiate a payment term that works for you before signing any forms or documents, and always go with a lender that adequately discloses the repayment terms with a monthly interest rate breakdown. Lastly, stay in touch with the loan underwriter throughout the processing stages to see if they can lower the APR for your vehicle title loan.

Are you having trouble making payments on an existing title loan? Or have the interest rates made it so that most of your monthly payment goes towards the finance charges? At Premier Title Loans, we know it’s discouraging to pay so much towards interest charges, and that’s why we offer refinancing options for anyone in Montana looking to reduce the title it takes to pay their loan. Some customers can save thousands by reducing their interest rates with a title loan refinance, and all it takes is a quick call to see how much you can save. Call us at 800-250-6279, and we’ll let you know what rate reduction we can offer.

Montana Title Loans – What About A Bad Credit Score

The great thing about car title loans in Montana is that your credit score often doesn’t matter when underwriting your payment terms. And if it does come up, it will likely only be relevant because of a past bankruptcy or other serious financial issues. You probably won’t be outright denied a loan in that case. Instead, the underwriter may lower the lending limit, or you may need to provide more equity as collateral.

The value of your vehicle is the main factor when underwriting a loan, and we know that things come up when you miss a payment here or there. Premier Title Loans offers bad credit title loans online for anyone in Montana who needs cash quickly but can’t qualify for a traditional loan. Apply with us online, and we’ll work to get you the highest loan amount possible, with minimal emphasis on your credit history!

Types Of Cars And Trucks Can Qualify For A Montana Title Loan

Any car or truck can qualify for a Montana title loan if it has value and is titled in your name. This includes SUVs, minivans, pickup trucks, motorcycles, and boats. And you can always apply to refinance a car title loan from another company! We may even be able to help you if you have a cosigner or other lienholder on the car’s title, as long as they’re willing to sign on to your title loan contract!

So don’t count yourself out before applying – you may be able to get the cash that you need from the equity in your vehicle! Thoroughly assess its condition and value before accepting the loan terms the lender offers. And remember, only borrow what you can afford to pay back! Equity loans are great for someone in Bozeman who needs fast cash, but once you get your money, your lender will be the sole lienholder on your car’s title. Any missed payments can lead to a title loan default, and after that, the clock starts ticking for a repossession!

Apply Online For Montana Title Loans

Start an online application with Premier Title Loans, and we’ll get you pre-qualified in minutes and connect you with a local lender in Montana that offers $1,000 or more with a title loan!

At Premier Title Loans you can save time and get a competitive interest rate with a loan that’s based on your vehicle’s value not your FICO score. We work with companies throughout the state and can get your loan funded within 24 hours! CAll us at 800-250-6279 today to get a title loan in Montana!