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AZ Phoenix Title Loans

What exactly is an Arizona Auto Title Loan and how does it work?

Arizona Title Loans are short term high interest loans based off of the value of your vehicle and your current proven income. Certain states have certain limits on the minimum they can loan.

First things first

Do you have the title to your vehicle?

You have to own the vehicle outright, meaning you know longer are making any payments on the vehicle and that you now own the vehicle out right. If you already have a title loan on your vehicle you can talk to us about refinancing it.

Is the title to the vehicle in your name or a family member?

If the title is in a family members name they will have to come in too in order to complete the loan. The registered and legal owner will have to release interest and ownership in the vehicle

Arizona Auto TItle Loan

A title loan is a secured loan, your vehicle is the collateral in the loan. If you default on your payments you risk having the vehicle repossessed.




The lender will place a lien on the title to your vehicle making them the current legal owner of the vehicle until the loans is payed off. Then the lender releases interest in the vehicle and gives the title back to the borrower. If you don’t pay off the loan, the vehicle belongs to the lender indefinitely.

Paying of your car title loan is similar to financing a car from a dealership in the same sense that the finance company is the legal owner and the borrower is the registered owner until the loan is satisfied.

Arizona Title Loan Requirements

You must be at least eighteen years of age

You have to able to prove your income. How do you get paid?

  • Do you have paystubs from your job or do you get paid cash and deposit the money into your bank account?
  • Are you on ssi or disability? Please bring proof.
  • Government issued I.D.
  • Title to the vehicle free and clear of any liens.

Arizona Title Loans Vehicle Inspection

One of the requirements of the loan is that your vehicle is in good running condition. We will also have to inspect your vehicle for the loan in Arizona.

Having good credit is not a prerequisite too obtaining an Arizona Auto Title Loan in fact title loans cater to people to bad credit.

We not only do title loans on cars, trucks, and vans but also motorcycles and commercial vehicle too.

Active Military service members are prohibited from title loans under the Military Lending Act.


Title Loan Requirements