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Raleigh, NC's Montana Capital Car Title Loans at 517 W South St offers car title loans when you need quick cash.
Data compiled from public sources
Montana Capital Car Title Loans operates at 517 W South St a3 in Raleigh, NC, serving residents seeking title-secured loans in the downtown area. The storefront is open Monday through Friday from 9AM to 7PM, with Saturday hours from 10AM to 5PM, and closed on Sundays. This standalone location makes it convenient for Raleigh residents to access car title loan services during business hours.
At this Raleigh location, you can obtain a car title loan using your vehicle as collateral for short-term cash access. The store accepts applications for title-secured lending and can typically provide funds for borrowers who meet provider criteria. For details on loan amounts, terms, or to discuss your vehicle's value, call +1 760-923-3513 to speak with staff at the Raleigh office.
If you're a Raleigh resident in need of emergency cash and own a vehicle, this Montana Capital location can help you understand your title loan options. Bring your vehicle title, valid government-issued ID, and proof of residency to explore available loan amounts. Montana Capital specializes in providing title-based financing solutions for people facing unexpected expenses.
Review lender profiles, APR ranges, fees, minimum-score fields, and funding-speed notes before deciding what to do next.
This is state-level context for Emergency Cash consumers in Raleigh, NC. It does not confirm that Montana Capital Car Title Loans or this specific location is licensed.
State regulator
North Carolina Commissioner of Banks
Consumer protection
North Carolina Attorney General Consumer Protection Division
Status: Not permitted
Rate context: Prohibited
North Carolina banned payday lending in 2001 when the Check Cashers Act authorization expired. NC was one of the first states to implement a statewide payday loan ban, setting a national precedent.
Status: Permitted
Rate context: 8% APR general usury cap; 30% APR for consumer finance companies on loans under $10,000 under the Consumer Finance Act
Installment loans are regulated under N.C. Gen. Stat. § 53-180 et seq. (Consumer Finance Act). Licensed lenders must comply with rate caps and truth-in-lending disclosures.
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
Montana Capital Car Title Loans offers 13 services including Online title loan applications with 24/7 access, Free pre-approval in under 5 minutes via phone or web form, Title loan amounts from $100 to $2,000 (standard tier), Title loan amounts from $2,000 to $50,000 (premium tier), Same-day or next-day fund disbursement, and 8 more.
Montana Capital Car Title Loans has profile signals associated with Consumers with poor credit who are researching short-term cash access and may not meet traditional loan criteria, Vehicle owners facing short-term financial emergencies who can reliably repay within weeks or months, Borrowers who have recently experienced bankruptcy and need short-term funds, People needing modest amounts ($100–$2,000) for urgent expenses.
Key strengths: listed funding timing confirmed by multiple reviewers; Pre-approval process takes less than 5 minutes with no credit score impact; eligibility claim to verify; explicitly accepts bad credit and bankruptcy. Areas to consider: Interest rates and APR not disclosed on website; title loans typically carry high costs; Vehicle title held as collateral creates repossession risk if loan defaults.
In the Emergency Cash category, comparable providers include ACE Cash Express, ACE Cash Express, Amer Payday Loans. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
CreditDoc Profile Note
Montana Capital is best suited for borrowers with damaged credit who face urgent expense research and own a vehicle outright or with significant equity. The critical caveat is that title loans carry substantial costs and repossession risk—this product should only be used when the borrower is confident in their ability to repay within a short timeframe, as the collateral-based structure makes it a high-stakes form of emergency borrowing.
Charlotte's ACE Cash Express on Freedom Dr offers payday and title-loan profile details with flexible terms.
Profile signals: Unbanked or underbanked consumers who need to cash a check without a bank account, Borrowers needing small emergency cash ($50–$715) same-day at a physical store
Charlotte, NC's ACE Cash Express on Beatties Ford Rd offers payday and title-loan profile details with provider-stated funding timing.
Profile signals: Unbanked or underbanked consumers needing check cashing without a bank account, Consumers who need a small installment or title loan quickly and have no bank financing option
Advance America offers payday loans, cash advances, installment loans, and title loans with provider-stated funding timing and online approval in minutes. No good credit required.
Profile signals: Consumers facing genuine one-time emergencies (medical bills, car repairs, eviction notices) who need funds within hours, Borrowers without access to traditional bank credit who need a vehicle title loan with quick funding
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Read guide →New to credit and lending? Here are the key terms used on this page, explained in plain language with real-number examples.
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.
Lenders are required to 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 lower-cost 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.
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.
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.
A special APR calculation used for military servicemembers that includes ALL costs — fees, insurance, and add-ons — capped at 36% by federal law.
The Military Lending Act protects active-duty servicemembers and their families from high-cost 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.
The maximum interest rate a lender can legally charge in a particular state. Charging above this rate is called 'usury' and is illegal.
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.
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.
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.
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.
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.
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.'
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.
The practice of charging interest rates higher than what the law allows. Usury laws set state-specific caps on how much lenders can charge.
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 may only be required to repay the principal — no interest or fees.
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.
Cash advances are a repeat-borrowing risk: 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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