Year-over-year comparison shows more vehicles exceeding typical bank auto loan criteria, with borrowers maintaining significant equity
Montana Capital Car Title Loans® released year-over-year Q4 lending data showing an increase in vehicles that no longer meet bank auto loan requirements, including age and mileage thresholds.
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Title Loans Serve Growing Share of High-Mileage Vehicles as Financing Gap Widens
Q4 2024 vs Q4 2025 Comparison
Metric |
Q4 2024 |
Q4 2025 |
Change |
Exceed Bank Auto Loan Limits* |
68% |
71% |
+3pp |
Vehicles 125K+ Miles |
49% |
53% |
+4pp |
Median Mileage |
122,374 |
130,000 |
+6% |
Vehicles Over 10 Years Old |
51% |
48% |
-3pp |
Median Loan Amount |
$3,000 |
$3,015 |
+0.5% |
*Important: Banks do not offer title loans. This comparison reflects vehicle eligibility for traditional bank auto loans (not title loans), based on industry sources including Kelley Blue Book and Bankrate (2025). Typical bank auto loan requirements: vehicle 10 years or newer, under 125,000 miles, minimum value ~$6,000. Title loans are a different product with different terms, costs, and risks. |
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What the Data Shows
Year-over-year data reveals a growing share of high-mileage vehicles being financed through title loans. In Q4 2025, 53% of vehicles had over 125,000 miles, up from 49% in Q4 2024.
These vehicles fall outside the parameters that banks typically require for traditional auto loans, leaving owners with limited financing options when they need emergency funds.
"Many people think title loan approval is based only on credit or car value, but the key factor is the ability to repay. Even with bad credit or high mileage, borrowers may qualify with steady income. The real risk isn’t denial — it’s taking on a loan you can’t afford and putting your vehicle at risk."
Shir Amram, Chief Operating Officer, Montana Capital®
Commitment to Transparency
Montana Capital® publishes clear risk disclosures on its website, noting that title loans are a high-cost form of credit and that non-payment may result in vehicle repossession. Borrowers are encouraged to review alternatives, seek credit counseling, and repay early to reduce costs. Full disclosures: https://montanacapital.com/legal-disclaimer/
About Montana Capital Car Title Loans®
Montana Capital Car Title Loans® (Simple Cash Loans, Inc.) has served over 375,000 borrowers since 2007. Licensed direct lender and broker in California (DFPI License No. 603F508), and authorized loan broker in 38 additional states. NMLS ID: 2249848. Headquarters: 12100 Wilshire Blvd, Suite 800, Los Angeles, CA 90025.
View source version on businesswire.com: https://www.businesswire.com/news/home/20260122733239/en/
The real danger isn't being denied - it's getting approved for a loan you can't afford and risking your car.
Contacts
Shir Amram, Chief Operating Officer
Montana Capital®
1-888-700-8900
support@montanacapital.com
