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Part of the Montana Capital Car Title Loans chain · locations
Montana Capital Car Title Loans in Long Beach, CA
Long Beach, CA's Montana Capital Car Title Loans at 901 E 4th St offers quick car title loans with same-day approval.
Data compiled from public sources · Rating from CreditDoc methodology
Montana Capital Car Title Loans Review
Montana Capital Car Title Loans operates at 901 E 4th St in Long Beach, CA, providing convenient car title loan services in the heart of the city. The Long Beach location is open Monday through Friday from 9AM to 7PM and Saturday from 10AM to 5PM, making it accessible for working professionals and residents throughout Long Beach and the surrounding area. This standalone storefront is easy to locate and designed for quick, efficient transactions.
At this Long Beach location, you can apply for title loans using your vehicle as collateral, with experienced loan officers ready to help you secure funds quickly. The team here accepts applications on weekdays and Saturdays, and you can reach them directly at +1 562-667-2824 to ask questions or schedule an appointment. Title loans at this location are processed with the same speed and professionalism that Montana Capital is known for, with many applicants approved and funded on the same day.
If you're in Long Beach and need emergency cash fast, bring your vehicle title, valid ID, and proof of residency to this 901 E 4th St location. Montana Capital Car Title Loans specializes in getting you the funds you need without the hassle of traditional banks.
Services & Features
Bank of America check or direct deposit funding options
Courtesy text reminders for loan payments
Free pre-approval in under 5 minutes
In-location pickup at nearest branch
No credit check required during application
Online title loan application available 24/7
Phone-based applications and customer service (1-888-508-5366)
Same-day or next-day funding
Simple 3-step process: apply, receive funds, repay and retrieve title
Simple payoff process
Title loans from $100 to $2,000 (quick tier)
Title loans from $2,000 to $50,000 (larger amount tier)
Feature Checklist
Mobile App
Online Portal
Score Tracking
Credit Education
Personal Advisor
Identity Theft Protection
Pros & Cons
Pros
- Same-day or next-day funding available, with some customers reporting cash within one hour
- No credit check required; accepts borrowers with bad credit and prior bankruptcies
- Can keep your car and continue driving while making loan repayments
- Free pre-approval in under 5 minutes with no credit score impact
- 24/7 online access to apply for loans
- Competitive rates compared to other title loan companies (per customer testimonials)
- Get title back after final payment; clear ownership transfer upon loan completion
Cons
- Interest rates and APR not disclosed on website, making true cost opaque to potential borrowers
- Title loans are high-cost debt products; vehicle can be repossessed if payments are missed
- Funds arrive as Bank of America check rather than cash, despite 'quick cash' messaging
- Collateral-based lending structure creates significant financial risk for vulnerable consumers
- Limited transparency about loan terms, fees, and repayment obligations on public-facing website
Rating Breakdown
Value 2.0
Effectiveness 1.5
Customer Service 2.2
Transparency 2.0
Ease of Use 3.9
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Frequently Asked Questions
Is Montana Capital Car Title Loans legitimate?
Yes. Montana Capital Car Title Loans is a registered company, headquartered in 901 E 4th St, Long Beach, CA 90802.
Quick Facts
- Headquarters
- 901 E 4th St, Long Beach, CA 90802
- BBB Accredited
- No
- Starting Price
- Contact provider
- Setup Fee
- None
- Money-Back Guarantee
- No
CreditDoc Diagnosis
Doctor's Verdict on Montana Capital Car Title Loans
Montana Capital is best for borrowers in genuine financial emergencies who own a vehicle with equity and have exhausted other options. The critical caveat is that title loans are high-cost, collateral-based debt products with severe consequences for default—this is not a mainstream financial solution but rather an emergency-only option, and the website's lack of transparent APR/fee disclosure is a major red flag that borrowers should independently research true costs before committing.
Best For
- Individuals with poor credit who cannot qualify for personal loans or credit cards
- People needing $500-$5,000 emergency cash within 24 hours for unexpected expenses
- Vehicle owners with sufficient equity in their car and stable income to support repayment
- Consumers who understand title loan risks and have exhausted lower-cost alternatives
Updated 2026-04-29
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Financial Wellness Guides
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Read guide →Financial Terms Explained (10 terms)
New to credit and lending? Here are the key terms used on this page, explained in plain language with real-number examples.
Interest & Rates
APR — Annual Percentage Rate
The total yearly cost of borrowing money, including the interest rate plus any fees the lender charges. Think of it as the 'true price tag' on a loan.
Why it matters
Lenders must show APR by law (Truth in Lending Act) because the interest rate alone can hide fees. Comparing APR across lenders is the most reliable way to find the cheapest loan.
Example
You borrow $10,000 at 6% interest for 3 years, but there's a $300 origination fee. The interest rate is 6%, but the APR is 6.9% because it includes that fee. You'd pay $304/month and $946 total in interest.
Compound Interest
Interest calculated on both the original amount borrowed AND the interest that's already been added. It's 'interest on interest' — and it makes debt grow faster than you'd expect.
Why it matters
Credit cards and many loans use compound interest. If you only make minimum payments, compound interest is why a $3,000 balance can take 15 years to pay off.
Example
You owe $1,000 at 20% annual interest compounded monthly. After month 1 you owe $1,016.67. Month 2, interest is charged on $1,016.67 (not $1,000), so you owe $1,033.61. After 1 year without payments: $1,219.
MAPR — Military Annual Percentage Rate
A special APR calculation used for military servicemembers that includes ALL costs — fees, insurance, and add-ons — capped at 36% by federal law.
Why it matters
The Military Lending Act protects active-duty servicemembers and their families from predatory lending. Any lender charging above 36% MAPR to military is breaking federal law.
Example
A payday lender charges a $15 fee per $100 borrowed for 2 weeks. For civilians, that's technically legal in some states. For military: that works out to 391% MAPR — illegal under the MLA.
Usury Rate — Usury Rate (Interest Rate Cap)
The maximum interest rate a lender can legally charge in a particular state. Charging above this rate is called 'usury' and is illegal.
Why it matters
Usury laws are your main legal protection against predatory interest rates. But beware: some states have weak or no usury caps, and federal banks can sometimes override state limits.
Example
New York caps interest at 16% for most consumer loans (25% is criminal usury). If a lender tries to charge you 30% in NY, that loan is unenforceable — you could fight it in court.
How Loans Work
Collateral — Loan Collateral
An asset you pledge to the lender as security for a loan. If you stop paying, the lender can seize and sell that asset to recover their money.
Why it matters
Secured loans (with collateral) have lower interest rates because the lender has less risk. But you could lose your home, car, or savings if you default.
Example
A mortgage uses your house as collateral. A car loan uses your vehicle. A title loan uses your car title. If you miss payments, the lender can foreclose or repossess.
Fees & Costs
Late Fee — Late Payment Fee
A charge added to your account when you miss a payment deadline. Most credit cards charge $29-$41 per late payment, and many loans have similar penalties.
Why it matters
The fee itself hurts, but the real damage is to your credit score. A payment 30+ days late stays on your credit report for 7 years and can drop your score 60-110 points.
Example
Your credit card payment of $150 is due March 1. You pay on March 18. The bank charges a $39 late fee. If it's 30+ days late, it gets reported to credit bureaus and your 760 score drops to 670.
NSF Fee — Non-Sufficient Funds Fee
A fee your bank charges when a payment bounces because there isn't enough money in your account. Also called a 'bounced check fee' or 'returned payment fee.'
Why it matters
NSF fees hit you twice — your bank charges you AND the company you were trying to pay may charge their own returned payment fee. That's $50-70 for one missed payment.
Example
Your auto-pay tries to pull $350 for rent, but you only have $280 in checking. Your bank charges $35 NSF fee. Your landlord charges $25 returned payment fee. Total damage: $60 in fees.
Legal Terms
Usury — Usury (Illegal Interest)
The practice of charging interest rates higher than what the law allows. Usury laws set state-specific caps on how much lenders can charge.
Why it matters
If a lender charges usurious rates, the loan may be void, penalties can be reduced, or you may be entitled to damages. Know your state's limits.
Example
Your state caps consumer loans at 24% APR. An online lender charges you 36%. That loan may be unenforceable, and you might only need to repay the principal — no interest or fees.
Credit Cards
Cash Advance — Credit Card Cash Advance
Using your credit card to get cash from an ATM or bank. It's one of the most expensive ways to borrow — higher interest rate, immediate interest accrual (no grace period), and an upfront fee.
Why it matters
Cash advances are a debt trap: 25-30% APR with no grace period plus a 3-5% fee. Interest starts the second you withdraw, not at the end of the billing cycle.
Example
You take a $500 cash advance. Fee: $25 (5%). Interest: 28% APR starting immediately. After 30 days, you owe $536.67. After 6 months of minimum payments, you've paid $85 in interest on $500.
Want to learn more? Read our Financial Wellness Guides for in-depth explanations and practical advice.
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