Privacy Policy

Phoenix Title Loans

Effective Date: 12/17/2025

Phoenix Title Loans (“Phoenix Title Loans,” “we,” “us,” or “our”) respects your privacy and is committed to protecting your personal information. This Privacy Policy explains how we collect, use, store, and protect information obtained through our website, communications, and services.

Information We Collect

We may collect the following categories of information when you visit our website, submit a form, apply for services, or communicate with us:

  • Personal identifiers (name, phone number, email address, mailing address)

  • Vehicle-related information

  • Application and financial information (as required to provide services)

  • Website usage data (IP address, browser type, pages visited)

  • Communication preferences

How We Use Your Information

We use the information we collect to:

  • Respond to inquiries and provide requested services

  • Process applications and transactions

  • Communicate with you regarding your account or services

  • Improve website performance and user experience

  • Comply with legal and regulatory obligations

Text Messaging & Mobile Information

If you opt in to receive text messages from Phoenix Title Loans, we may send informational or service-related messages.

IMPORTANT MOBILE PRIVACY DISCLOSURE:

No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. All categories of information collected by Phoenix Title Loans exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.

Message frequency may vary. Message and data rates may apply. You may opt out at any time by replying STOP to any text message.

Information Sharing & Disclosure

Phoenix Title Loans does not sell or rent personal information.

We may share information only in the following limited circumstances:

  • With service providers who perform operational services on our behalf (such as hosting or technical support), strictly for non-marketing, operational purposes

  • When required by law, regulation, subpoena, or legal process

  • To protect the rights, property, or safety of Phoenix Title Loans, our customers, or others

Any information shared for operational purposes is subject to confidentiality obligations.

Cookies & Tracking Technologies

Our website may use cookies or similar technologies to enhance functionality and analyze website traffic. You may control cookie preferences through your browser settings.

Data Security

We implement reasonable administrative, technical, and physical safeguards to protect your information from unauthorized access, disclosure, or misuse. No system is 100% secure, but we take data protection seriously.

Your Choices & Rights

You may:

  • Request access to or correction of your personal information

  • Opt out of marketing communications at any time

  • Disable cookies via your browser

To make a request, contact us using the information below.

Our website may contain links to third-party sites. Phoenix Title Loans is not responsible for the privacy practices or content of those websites.

Changes to This Privacy Policy

We may update this Privacy Policy from time to time. Updates will be posted on this page with a revised effective date.

Contact Information

If you have questions about this Privacy Policy or our data practices, contact:

Phoenix Title Loans
Website: https://www.phoenixtitleloans.com
Phone: (480) 499-4699

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.