What to Expect During the Title Loan Process in Mesa
What to Expect During the Title Loan Process in Mesa
Step 1: Gather Your Documents
Before you apply, make sure you have the necessary documents ready. This will speed up the process and ensure everything goes smoothly. Here’s what to expect and what you’ll need:
- Vehicle Title: Your car’s title must be lien-free and in your name.
- Government-Issued ID: A valid driver’s license or passport.
- Proof of Income (Optional): While not always required, providing proof of income can help you secure better terms.
- Proof of Residence: A utility bill or lease agreement showing your Mesa address.
“I didn’t have all my paperwork ready, but Phoenix Title Loans made it so easy. They walked me through everything!” – Lisa M., Mesa, AZ
Step 2: Apply Online or In-Store
At Phoenix Title Loans, we offer two convenient ways to apply:
- Online: Fill out our quick and easy application form on our website. It only takes a few minutes!
- In-Store: Visit our Mesa location to apply in person. Our friendly team will guide you through the process.
Whether you apply online or in-store, we’ll review your application and contact you within minutes to discuss the next steps.
“I applied online, and they called me back right away. The process was so fast and simple!” – Mark H., Mesa, AZ
Step 3: Vehicle Evaluation
Once your application is submitted, we’ll evaluate your vehicle to determine its value. This helps us calculate how much you can borrow. The evaluation process is quick and hassle-free.
What To Expect Us To Look At:
- Make, model, and year of your vehicle.
- Mileage and overall condition.
- Market value of similar vehicles in Mesa.
At Phoenix Title Loans, we offer some of the highest loan amounts in Mesa based on your vehicle’s value.
“They gave me a great loan amount based on my car’s value. I was so impressed with how fair they were!” – Jessica L., Mesa, AZ
Step 4: Review and Sign Your Loan Agreement
Once your loan amount is determined, we’ll go over the terms of your loan agreement with you. This includes:
- Loan amount and repayment schedule.
- Interest rate and any applicable fees.
- What happens if you need an extension or can’t make a payment.
We believe in complete transparency, so you’ll never encounter hidden fees or surprises. Once you’re satisfied with the terms, you’ll sign the agreement and move on to the final step.
“They explained everything so clearly. I felt confident signing the agreement because I knew exactly what I was getting into.” – David P., Mesa, AZ
Step 5: Get Your Cash
After signing your loan agreement, you’ll receive your cash—often within minutes! You’ll also keep your car and continue driving it while making payments.
At Phoenix Title Loans, we let you know what to expect, and make it easy to get the cash you need, fast.
“I walked out with cash in hand the same day. It was such a relief!” – Maria G., Mesa, AZ
Why Choose Phoenix Title Loans?
Here’s why Mesa residents trust us for their title loan needs:
- Fast and Easy Process: Get cash the same day you apply.
- Transparent Terms: No hidden fees or surprises.
- Exceptional Customer Service: We treat every customer like family.
“Phoenix Title Loans made the process so easy. I wouldn’t go anywhere else!” – Mike R., Mesa, AZ
Contact Us Today to Get Started
Ready to apply for a title loan? At Phoenix Title Loans, we make it easy to get the cash you need—fast, and let you know what to expect every step of the way. Apply online or visit 1 of our 3 Mesa locations.
Contact Us: Call us at (480) 499-4699 or email us at info@phoenixtitleloans.com.
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.
