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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 residents can access Montana Capital Car Title Loans at 6725 Long Beach Blvd for quick title-based lending with extended weekday hours.
Data compiled from public sources · Rating from CreditDoc methodology
Montana Capital Car Title Loans Review
Montana Capital Car Title Loans operates at 6725 Long Beach Blvd in Long Beach, CA, serving the community with accessible car title loans. This standalone location is open Monday through Friday from 9 AM to 7 PM, with Saturday hours from 10 AM to 4 PM, and closed Sundays.
At the Long Beach location, customers can apply for car title loans by contacting the store directly at 562-242-3833. The branch provides title-based lending to residents throughout the Long Beach area who need quick access to cash backed by their vehicle.
If you're a Long Beach resident considering a car title loan, bring your vehicle title, government ID, and proof of residence. Montana Capital offers a straightforward application process designed for borrowers seeking immediate funding.
Services & Features
Customer service support with text reminders for payments
Direct deposit or in-location cash pickup options
Free pre-approval process completed in under 5 minutes
Loan amounts based on vehicle equity and borrower income
No credit check requirement for application
Online title loan applications available 24/7
Phone-based application and support (1-888-508-5366)
Same-day or next-day funding disbursement
Title loans ranging from $100 to $50,000
Title return upon final loan payment
Vehicle title retention during loan repayment (borrower keeps car keys)
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; one review noted receiving funds within one hour
- No credit check required and bad credit/bankruptcies explicitly accepted
- Free pre-approval in under 5 minutes with no impact to credit score
- Borrowers keep vehicle keys and can continue driving while repaying the loan
- 24/7 online access to application process
- Wide loan range from $100 to $50,000 to accommodate various financial needs
- Google rating of 4.5 stars with consistent customer service praise across reviews
Cons
- No APR or interest rate information disclosed on website, preventing transparent cost comparison
- Funds disbursed as bank check rather than cash, limiting immediate accessibility for some
- Vehicle title held as collateral creates risk of repossession if loan defaults
- Title loans are inherently high-cost emergency products that can trap borrowers in debt cycles
- Limited information about repayment flexibility or hardship options on website
Rating Breakdown
Value 2.0
Effectiveness 1.5
Customer Service 2.2
Transparency 2.0
Ease of Use 3.9
Compare the Best Personal Loan Options
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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 6725 Long Beach Blvd, Long Beach, CA 90805.
Quick Facts
- Headquarters
- 6725 Long Beach Blvd, Long Beach, CA 90805
- 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 suited for consumers with poor or no credit history who need emergency cash within 24 hours and own a vehicle with equity. The primary caveat is that title loans are high-cost debt products with non-transparent pricing; borrowers should exhaust alternatives like credit unions, employer advances, or personal loans before using a title loan, as these products carry significant risks including vehicle repossession and debt cycle entrapment.
Best For
- Consumers with damaged credit who need emergency cash and have vehicle equity
- Individuals facing unexpected expenses who need same-day or next-day funding
- People who need to maintain vehicle access while borrowing against their car's equity
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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