While most title lenders don’t charge penalties for paying off your loan early, you should still research each lender and look at the reviews to make sure they don’t charge prepayment penalties or hidden fees. Research each lender and look at their reviews to learn if they charge any prepayment penalties or hidden fees. Montana Capital doesn’t charge any prepayment penalties or hidden fees. Plus, applying is free. This means you can pay off your loan early if you have the cash, saving you money on interest. We do, however, charge the following fees only once your loan is approved: Lien Recording Fee - $15 Processing Fee - $75