Los Angeles, CA car title loans at 1601 S La Brea Ave with Montana Capital Car Title Loans—same-day emergency funding available.
Data compiled from public sources · Google rating shown when a stored review count is available
Montana Capital Car Title Loans is located at 1601 S La Brea Ave in Los Angeles, CA, within the mid-city corridor. This standalone storefront serves the greater Los Angeles area with accessible walk-in service for borrowers seeking vehicle-backed loans. The location's street-level position on La Brea makes it convenient for those driving through or living in the Los Angeles neighborhoods nearby.
At this Los Angeles location, Montana Capital specializes in car title loans that let vehicle owners borrow cash by leveraging their vehicle's title. The 1601 S La Brea Ave branch can be reached at +1 323-244-2454 to discuss loan eligibility, term options, and the documentation needed to complete your application.
If you're a Los Angeles resident with a paid-off or nearly paid-off vehicle, the S La Brea Ave location offers a direct path to short-term funds. Bring your current vehicle title, a valid photo ID, and proof of residency to streamline processing. Montana Capital provides straightforward title-based lending without complicated fees.
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 Los Angeles, CA. It does not confirm that Montana Capital Car Title Loans or this specific location is licensed.
State regulator
California Department of Financial Protection and Innovation (DFPI)
Consumer protection
Status: Permitted
Rate context: $15 per $100 borrowed (equivalent to 459% APR on typical 14-day loan)
Amount context: $300
Term context: 31 days
Payday loans capped at $300 with maximum fee of $45 total. One loan at a time allowed. California uses the Statewide Payday Loan Database to prevent rollovers. Regulated under Cal. Fin. Code § 22250 et seq. Lenders must be licensed with DFPI.
Status: Permitted
Rate context: Governed by California Financing Law. Licensed lenders can exceed usury cap for loans under $10,000. AB 539 caps APR at 36% plus federal funds rate for loans $2,500-$10,000.
Installment loans regulated under Cal. Fin. Code § 22000 et seq. Installment Loan Law requires disclosure of finance charge, APR, payment schedule, and other terms. DFPI oversees licensing and enforcement.
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 11 services including Vehicle title-secured loans up to $50,000, Title loans on financed vehicles, Online loan applications and 24/7 funding, Title loan calculator tool, Multiple loan term options (up to 36 months), and 6 more.
Montana Capital Car Title Loans has profile signals associated with Borrowers with bad credit needing short-term funds larger than typical payday loans ($2,000+), Vehicle owners facing short-term cash access shortages with no other financing options available, Consumers who can repay within 12-36 months and want to avoid payday loan repeat-borrowing cycles, Individuals specifically seeking title-based loans where vehicle equity determines eligibility.
Key strengths: Loan amounts up to $50,000, significantly higher than typical payday loans; No prepayment penalties, allowing borrowers to save on interest by paying early; Approval based on vehicle equity and income rather than credit score, accessible to bad-credit borrowers. Areas to consider: APRs up to 175% represent extremely high borrowing costs compared to traditional lending; Origination fees up to 10% of loan amount add significant upfront costs.
In the Emergency Cash category, comparable providers include Acme Finance Co Inc, Star Funding, Inc., Toledo Finance Company. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
Montana Capital Car Title Loans serves customers in 10 states including California, Michigan, Texas, Georgia, Florida, Ohio, Indiana, Tennessee, and 2 more states.
CreditDoc Profile Note
Montana Capital is profile signals for borrowers with damaged credit who own vehicles and face genuine emergencies requiring $2,000+ in cash quickly. The critical caveat: APRs up to 175% and origination fees make this an high cost borrowing option that should only be considered when no alternatives exist and repayment within 12-36 months is certain.
Auto loan staff context in Seattle, WA offering vehicle financing with flexible payment options and customer-focused service.
Google rating from 74 reviews
Profile signals: Borrowers with imperfect credit seeking auto financing with flexible terms, Individuals prioritizing personalized service and customer support in the loan process
Star Funding provides purchase order financing, accounts receivable factoring, and working capital solutions for small to mid-sized businesses needing cash flow support.
Google rating from 10 reviews
Profile signals: Small to mid-sized manufacturers needing to fund production for large purchase orders, Businesses with strong receivables seeking to accelerate cash collection through factoring
Toledo Finance Company offers personal installment loans to individuals and families across San Antonio and surrounding Texas counties, serving borrowers with all credit types.
Google rating from 169 reviews
Profile signals: San Antonio and South Texas residents needing installment loans for unexpected expenses, Borrowers with poor or bad credit seeking lenders willing to work with their credit profile
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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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