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Part of the Montana Capital Car Title Loans chain · locations
Montana Capital Car Title Loans in Tulsa, OK
At 3120 S Sheridan Rd A in Tulsa, OK, Montana Capital Car Title Loans provides same-day car title and payday loans Mon–Fri 9AM–7PM, Sat 10AM–5PM.
Data compiled from public sources · Rating from CreditDoc methodology
Montana Capital Car Title Loans Review
At 3120 S Sheridan Rd A in Tulsa, OK, Montana Capital Car Title Loans provides a dedicated location for quick car title and payday loans. The store operates Monday through Friday from 9AM to 7PM and Saturday from 10AM to 5PM, making it convenient for south Tulsa residents who need same-day funding.
This Tulsa branch offers car title loans, auto title pawns, and payday advances for qualified borrowers. Contact the location at +1 539-233-1672 to discuss your loan options, learn about rates, and schedule an appointment at 3120 S Sheridan Rd A.
When visiting this Tulsa store, bring your government-issued ID, vehicle title (for title loans), and proof of residency. Montana Capital specializes in providing same-day funding to help you cover urgent expenses.
Services & Features
24/7 online loan access
Ability to keep vehicle and title during loan repayment
Bankruptcy-friendly lending options
Direct deposit or in-location cash pickup options
In-person loan processing at physical locations
Loans from $100 to $50,000 based on vehicle equity
No credit check lending
Online title loan application and pre-approval
Phone-based customer service
Same-day or next-day loan funding
Text message payment reminders
Title return upon final loan payment
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 reviewer received funds within one hour
- No credit check required; borrowers with bad credit and bankruptcy histories accepted
- Keep your vehicle and continue driving while making loan payments
- Pre-approval in under 5 minutes with no impact to credit score
- Loan amounts up to $50,000, significantly higher than typical payday loans
- 24/7 online access to apply and manage loans
- Positive customer reviews citing competitive rates and efficient service
Cons
- APR, interest rates, and fee structure not disclosed on website; total cost of borrowing unclear
- Title loans carry vehicle loss risk if borrower cannot repay
- Funds may arrive as check (Bank of America check) rather than direct cash
- No transparency on default rates, loan terms, or repayment flexibility
- Limited information on what happens if a payment is missed or loan cannot be repaid
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 3120 S Sheridan Rd A, Tulsa, OK 74145.
Quick Facts
- Headquarters
- 3120 S Sheridan Rd A, Tulsa, OK 74145
- 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 with poor credit who own a vehicle outright and need emergency cash quickly—typically $2,000 or more. The critical caveat is that title loans are high-risk for borrowers; failure to repay results in vehicle loss, and the website does not disclose APR or total borrowing costs, making it difficult to assess true affordability before applying.
Best For
- Borrowers with poor credit or recent bankruptcy who cannot qualify for traditional loans
- People who own vehicles outright and need emergency cash quickly
- Individuals who need amounts larger than typical payday loans ($2,000-$50,000)
- Those who can reliably repay within a short timeframe and want to avoid credit reporting
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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