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Part of the Montana Capital Car Title Loans chain · locations
Montana Capital Car Title Loans in Roswell, GA
At 135 Mansell Pl in Roswell, GA, Montana Capital Car Title Loans offers same-day car title loans.
Data compiled from public sources · Rating from CreditDoc methodology
Montana Capital Car Title Loans Review
Montana Capital Car Title Loans operates at 135 Mansell Pl STE 402 in Roswell, GA, providing accessible lending services to the local community. The standalone storefront is open Monday through Friday 11AM-6PM, Saturday 11AM-3PM, and closed Sundays. Roswell residents can visit this convenient location for quick car title loan applications.
This Roswell branch specializes in car title loans, a fast borrowing option that uses your vehicle's title as collateral. Contact the location at +1 770-343-4960 to discuss loan amounts, repayment terms, and how quickly you could receive funds. Staff at the 135 Mansell Pl location can walk you through the application process.
Bring a valid government-issued ID, proof of residency, vehicle registration, and insurance information when visiting. Car title loans provide quick cash access without requiring a credit check, making them useful for emergency expenses. The staff at this Roswell location will help you understand whether a title loan meets your immediate financial needs.
Services & Features
Direct deposit or Bank of America check payment options
Free pre-approval in under 5 minutes
In-person application at physical locations
Loan servicing and payment reminders via text
No credit check lending
Online title loan applications with 24/7 access
Phone-based application and customer service (1-888-508-5366)
Same-day or next-day fund disbursement
Title loans from $100–$2,000 quick-cash tier
Title loans from $2,000–$50,000 larger-amount tier
Title return upon loan payoff
Vehicle retention (borrower keeps car during repayment)
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 through simple 3-step process
- No credit check required; accepts customers with bad credit and bankruptcies
- Pre-approval takes less than 5 minutes with no impact to credit score
- Borrowers can keep driving their vehicle during entire loan repayment period
- 24/7 online application access plus physical locations for in-person service
- 4.5 Google rating with documented customer feedback on quick processing and friendly staff
- Loan amounts range up to $50,000, larger than typical payday loan limits
Cons
- Website does not disclose APR, fees, or true cost of borrowing, making rate comparison difficult
- Title loans typically carry triple-digit interest rates and are structurally expensive debt
- Borrower loses vehicle if unable to repay, as title serves as collateral
- Funds disbursed as Bank of America check rather than cash, requiring additional banking step
- Limited transparency on loan terms, payment schedules, and default consequences on public 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 135 Mansell Pl STE 402, Roswell, GA 30076.
Quick Facts
- Headquarters
- 135 Mansell Pl STE 402, Roswell, GA 30076
- 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 vehicle owners in genuine financial emergencies who cannot access traditional credit and need funds within 24 hours. The critical caveat is that title loans are expensive debt products—the website omits APR and fee details, which is typical in this industry but essential to understand before borrowing, as these loans often cost significantly more than alternatives.
Best For
- Individuals with poor credit or recent bankruptcy needing immediate emergency cash
- Vehicle owners facing unexpected expenses who cannot qualify for traditional loans
- Borrowers who need funds within 24 hours and have collateral (paid-off or low-lien vehicles)
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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