Phoenix Title Loans is the Alternative to TitleMax
The bigger an organization gets, the more complaints you end up hearing from customers. This isn’t just an issue of serving more customers leads to more bad experiences, but rather the corporate chasing of profits that we expect from conglomerates these days. Phoenix Title Loans keeps that small business feel; going above and beyond for its customers all around Phoenix, Arizona. If you’re looking for an alternative to TitleMax auto title loans, then you’ve found it.
Lowering Your Monthly Payment and Paying Your Loan
The most important reason to bring your title loan to us is for your own financial security. TitleMax and other title lenders traditionally have high monthly interest rates that result in high monthly payments. Simultaneously, these payments often are only paying the interest on the loan meaning you get no closer to paying the loan off each month.
At Phoenix Title Loans, each and every one of our auto title loans has a maturity date ensuring that one day down the line, you will make your final payment. Each monthly payment covers both interest and some principal to bring you closer to financial freedom. On top of this, you can secure a much lower interest rate that results in a much lower monthly payment as well. The advantages here are clear!
In Phoenix, Tempe, Mesa, or Scottsdale, it’s clear that Phoenix Title Loans is the leading title loan alternative to TitleMax for lower monthly payments and a lower interest rate.
Let Us Buy Out Your Title Loan and Save
Seeking an alternative to TitleMax, we are a title loan lender gives you the option of refinancing your title loan, or in other words letting us buy out your loan. There’s a large variety of reasons to do this; lowering your interest rate, lowering your monthly payment, and getting more cash out of your car. Phoenix Title Loans specializes in finding the most optimized title loan for customers no matter their situation, and no matter whether they’ve got a car, scooter, motorcycle, RV, or whatever.
If you’re even considering a refinance, then know that we take all the hassle out of the process. Once you bring your documents down to us and agree to the new terms, we take care of everything from there. This includes paying off your previous lender, transferring the lien on the title, and from that point on taking all your monthly payments through whatever one of our locations you’re at. This can mean added convenience too given that we have stores in Phoenix, Tempe, Mesa, Scottsdale, Casa Grande, Chandler, and in other parts of Arizona as well.
The choice is clear – Phoenix Title Loans is the leading alternative to TitleMax that you’ll find in the Valley of the Sun. Use our live chat or fill out our online application now and we’ll gladly help you evaluate the financial options available to you to save you the most cash possible.
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.
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.
