Bad Credit Title Loans San Tan Valley
Ever had problems getting the loans you need due to poor or bad credit? Live in the San Tan Valley area? Phoenix Title Loans wants to let you know that you never need to have that doubt again! Bad Credit Title Loans San Tan Valley residents can trust are now within reach.
Credit Isn’t a Factor?
Not entirely, Credit is not a factor in getting a Title Loan with us. The main factors to be considered are the loan to value based on:
- The Condition of the Vehicle itself.
- The Title that is associated with the Vehicle.
- A Current and Valid Arizona State Issued ID.
As you can see, we don’t consider credit if we have all of these credentials first. But to be fair, the possibility of a credit check will arise depending on the amount requested. Just know that on average, this credit check is case-by-case.
What Do I Need to Get Bad Credit Title Loans San Tan Valley Locals Trust?
The process is simple; and the first part was previously stated earlier. After you have these items, simply check our locations and find the one most convenient for you to use. And Phoenix Title Loans has a place to go with Oro Express Chandler Pawn and Gold.
Can I Keep Getting Loans While I Work On my Credit?
If you’re working on your credit, it’s recommended to still stick to one loan. So much so, that we have to limit loans per Arizona Statutes. But once you complete your previous loan, come back for another if the situation calls for it. We’re more than happy to offer assistance for your repeat business! What we hope you will do is use the loans we give you will help in getting you back on track in terms of credit and more.
What Makes Phoenix Title Loans Stand Apart From the Rest?
Residents of San Tan Valley know that we are a local business in the Valley of the Sun. That means they can trust we have their best interest at heart as their success is our reason to remain in business. It is also the reason for our multiple locations throughout the Greater Phoenix Metropolitan Area. This is due to our desire to serve customers that are in need of money, but not given access to it due to bad or no credit. Now they no longer need to worry about such things, thanks to Bad Credit Title Loans San Tan Valley locals can happily rely on!
DISCLOSURE: Loan amounts, terms, and rates vary by applicant and are subject to final approval. Not all applicants will qualify for the maximum advertised amount. All loans are secured by the value of your vehicle, which must be titled in Arizona and owned free and clear, unless otherwise stated.
Representative Example: A $2,000 auto title loan with a term of 12 months and an annual percentage rate (APR) of 35.99% would require 12 monthly payments of $200.96, for a total repayment of $2,411.52. All applicable fees and finance charges are included in the disclosed APR. This representative example is typical of a preferred loan with 25% Loan-to-Value ratio, $5,000 loan amount minimum, and a credit score of 700 or higher. Actual loan terms may vary based on vehicle value, requested loan amount, repayment ability, and applicable state regulations. CREDIT CHECK NOT REQUIRED ON MOST LOANS.
Early repayment is allowed at any time without penalty. Paying off your loan early may reduce the total cost of borrowing. Borrowers may be eligible for interest reductions when loans are paid off within an early payoff window, where applicable. We do not require a credit check for most auto title loans; however, all applicants must demonstrate the ability to repay the loan. Proof of income may be requested for underwriting purposes but is not always required for approval.
Approval times may vary and are subject to identity verification, vehicle inspection, confirmation of clear title status, and review of all required documents. While many loans are funded on the same day, some may require additional time for processing.
Phoenix Title Loans, LLC complies with all applicable federal and state lending regulations, including but not limited to the Arizona Revised Statutes Title 6, Chapter 5 and Title 44, Chapter 2.1, the Truth in Lending Act (TILA), and the Equal Credit Opportunity Act (ECOA). We are committed to transparency, fairness, and the responsible servicing of every loan. For borrowers who prefer to communicate in a language other than English, translated disclosures may be available upon request.
