Arizona Car Title Loans

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Do You Need Money Fast?

A car title loan could be the perfect answer to help you get the money you need as fast as possible.

Fast, No Hassle Process

Each situation is unique but below is the most common items that you will need to complete a loan application. To speed up the process, these items can be submitted by text message or email.
  • Qualifying Vehicle - Car, Truck, Van, SUV, Motorcycle, Commercial Vehicle That is Paid Off
  • Photo Identification - Driver's License or State Issued ID Card
  • Insurance on Your Vehicle
  • Proof of Your Home Address - Utility Bill
  • Proof of Your Income - Latest Paystub
  • Photos of Your Vehicle

Car Title Loans in Arizona Online

We make it easy to get the cash you need even when you don't qualify for a traditional bank loan. If you own your car you could qualify for a car title loan and get the cash you need. Residents in the Sacramento area can borrow between $2,500 and $50,000 even when your credit is bad or credit scores are low.
It is easy to apply for your car title loan. You can get started by simply completing a few quick questions online. You will know exactly how much you can qualify for within a few short minutes. Using the equity in your car you could find the answers that you need to your financial problems today.

Keep Your Car While Paying Your Title Loan Back

You will be able to keep your car to use while paying your title loan back. Your title loan lender will simply hold the title to your car just like the original lender when you bought your vehicle. Once your loan is paid off you will get your title back.

Arizona Car Title Loan Requirements

What you should know when shopping for a title loan in Arizona

As the popularity of car title loans continues to grow, many Arizona residents are turning to this alternative lending solution for quick cash. This article will provide detailed information on Arizona car title loan requirements, the application process, and important considerations to keep in mind when shopping for a title loan in Arizona.

Understanding Car Title Loans

A car title loan is a short-term, high-interest loan that uses your vehicle's title as collateral. These loans are an attractive option for borrowers who need quick cash and have a clear title to their vehicle.

How Car Title Loans Work in Arizona

When you take out a car title loan in Arizona, the lender will place a lien on your vehicle's title. You'll continue to drive your vehicle during the loan term, but if you fail to make the required payments, the lender may repossess and sell your car to recover their losses.

 Advantages and Disadvantages of Car Title Loans


  1. Fast access to cash
  2. No credit check required
  3. Keep driving your vehicle


  1. High-interest rates
  2. Risk of repossession
  3. May lead to a cycle of debt

 Arizona Car Title Loan Requirements

Before applying for a car title loan in Arizona, it's essential to know the requirements to ensure a smooth application process. Below are the primary requirements for obtaining a car title loan in the state.

Age and Identification

You must be at least 18 years old and provide a valid government-issued ID, such as a driver's license or passport. This ID should include your photo, name, date of birth, and address.

Vehicle Ownership

You must have a clear title to the vehicle in your name. The title should not have any liens or outstanding loans associated with it. In some cases, lenders may accept a vehicle with a small remaining balance on a loan.

Vehicle Condition and Value

The vehicle must be in good working condition and have sufficient value to serve as collateral for the loan. Lenders typically require an in-person inspection or appraisal of the vehicle to determine its value.

Proof of Income

Although a credit check isn't necessary, you need to show proof of income to demonstrate your ability to repay the loan. This can include pay stubs, bank statements, or government benefits documentation.

Proof of Insurance

Some lenders require borrowers to carry full coverage auto insurance on their vehicle during the loan term. This protects the lender's investment in case of an accident or damage to the vehicle.

Additional Requirements

Some lenders may have additional requirements, such as a spare set of keys or the installation of a GPS tracking device on the vehicle. Make sure to check with your lender for any unique stipulations.

Tips for Shopping for a Car Title Loan in Arizona

To ensure you find the best possible title loan in Arizona, consider the following tips:

Compare Lenders

Not all title loan lenders are created equal. Research multiple lenders, compare interest rates, and read customer reviews to find a reputable and trustworthy lender.

Negotiate Loan Terms

Don't be afraid to negotiate with lenders for better loan terms, such as lower interest rates or a more flexible repayment schedule.

Borrow Only What You Need

To minimize the risk of falling into a debt cycle, borrow only the amount you need and can afford to repay within the agreed-upon loan term.

Borrow Only What You Need

Understand the Fine Print

Carefully review the loan agreement before signing, and make sure you understand all the terms, fees, and penalties associated with the loan.

Have a Repayment Plan

Develop a repayment plan before taking out the loan, and make sure you can stick to it to avoid late fees or repossession of your vehicle.

Car title loans can be a quick and convenient solution for Arizona residents who need access to cash. By understanding the requirements, comparing lenders, and considering the risks, you can make an informed decision when shopping for a car title loan in Arizona.

Frequently Asked Questions (FAQs)

1. What is the maximum loan amount I can get with a car title loan in Arizona?

The maximum loan amount depends on the value of your vehicle and the lender's policies. Some lenders offer loans up to $50,000, but most loans are typically smaller.

2. How long does the application process take for a car title loan in Arizona?

The application process for a car title loan is generally quick, with many lenders offering same-day approval and funding.

3. Can I get a car title loan in Arizona if I have bad credit?

Yes, car title loans are an option for those with bad credit since lenders focus on the value of your vehicle rather than your credit history.

4. Can I still drive my car while repaying the loan?

Yes, you can continue to drive your car during the loan term, as long as you make the required payments.

5. What happens if I can't repay my car title loan in Arizona?

If you fail to repay your car title loan, the lender may repossess your vehicle and sell it to recover their losses. It's crucial to have a repayment plan and communicate with your lender if you're struggling to make payments.

6. Are there alternatives to car title loans in Arizona?

Yes, alternatives include personal loans, payday loans, credit card cash advances, and borrowing from friends or family. Always consider your options and choose the most suitable financial solution for your needs.

7. Can I refinance my car title loan in Arizona?

Yes, some lenders may allow you to refinance your car title loan, potentially lowering your interest rate or extending the repayment term. However, refinancing may not always be the best option, as it can lead to more debt in the long run.

8. Can I get a car title loan on a motorcycle or RV in Arizona?

Some lenders offer title loans on motorcycles, RVs, and other types of vehicles. Check with specific lenders to see if they provide loans for your particular vehicle.

9. How do I find a reputable car title loan lender in Arizona?

Research multiple lenders, compare interest rates, and read customer reviews to find a reputable and trustworthy lender. Look for lenders that are licensed and follow Arizona state regulations.

10. What are the fees associated with car title loans in Arizona?

Fees for car title loans can include origination fees, late fees, and prepayment penalties. Always review the loan agreement and understand all fees before signing.

Locations We Serve

  • Phoenix
  • Tucson
  • Mesa
  • Chandler
  • Glendale
  • Scottsdale
  • Gilbert
  • Tempe
  • Peoria
  • Surprise
  • Yuma
  • Avondale
  • Flagstaff
  • Goodyear
  • Lake Havasu City
  • Buckeye
  • Casa Grande
  • Sierra Vista
  • San Tan Valley
  • Maricopa
  • Oro Valley
  • Prescott
  • Bullhead City
  • Prescott Valley
  • Apache Junction
  • Marana
  • El Mirage
  • Kingman
  • Queen Creek
  • Florence
  • San Luis
  • Sahuarita
  • Fountain Hills
  • Nogales
  • Douglas
  • Eloy
  • Payson
  • Somerton
  • Paradise Valley
  • Coolidge
  • Cottonwood
  • Camp Verde
  • Chino Valley
  • Show Low
  • Sedona
  • Winslow
  • Safford
  • Globe
  • Page
  • Tolleson
  • Wickenburg
  • Youngtown
  • South Tucson
  • Snowflake
  • Bisbee
  • Guadalupe
  • Litchfield Park
  • Benson
  • Holbrook
  • Cave Creek
  • Eagar
  • Thatcher
  • Colorado City
  • Pinetop-Lakeside
  • Taylor
  • Clarkdale
  • Dewey-Humboldt
  • Willcox
  • Quartzsite
  • St. Johns
  • Carefree
  • Clifton
  • Parker
  • Williams
  • Wellton
  • Superior
  • Pima

What Our Customers Say

Disclaimers is NOT A LENDER and we do not make short-term cash loans or credit decisions. However, we have a vast network of lenders across the country who do provide these services. These include but are not limited to Tradition Media Group and Champion Financial Services.

We are able to help borrowers in almost all states even though we do not have physical locations.

The loan amounts offered by our lenders will vary based on the vehicle value and the borrower's ability to repay.

Since we do not lend money directly we cannot offer you a solicitation for a loan. In all serviced states we WILL connect you with a lender based on the information you provide on this website or via phone conversation. There is no charge to you for this service and our service is not available in all states. States that are serviced by this website are subject to change without notice. Loans are not available in all states and areas.

Interest rates and payment terms are set by individual lenders and we have no control over these. The use of the word, “competitive,” or “reasonable,” does not mean “low-cost” and borrowers should use discretion when working directly with the lender.

We cannot guarantee we will find a lender who will fund you. Submitting information on this website does not guarantee loan approval. Not all lenders can provide loan amounts you may see on this website due to state laws or individual lender requirements.

In some circumstances faxing may be required. Use of your cell phone to receive updates is optional. Please review our Privacy Policy.

Subprime loans can be costly, and there may be more affordable alternatives available to you. It's important to note that these loans are designed to address immediate cash needs and should not be used as a long-term solution. Additionally, eligibility for loans may vary by state, and our company has no access to information regarding rejected loan applications. If you have any questions about loan rejections or eligibility, we recommend contacting the lender directly for more information.

Lenders are typically licensed by the state where you live. We recommend that you contact the relevant regulatory agency to ensure that your lender is licensed and compliant with state regulations. These agencies exist to protect you, and we strongly advise ensuring that any lender you receive funds from is fully licensed.