Creative Financing
Creative Financing is a unique way of dealing with financial issues. The normal methods may not be as effective as the more unorthodox routes. In fact, we at Phoenix Title Loans, LLC see ourselves as a creative option (albeit it a misnomer) with title loans fit for various circumstances.
Creative Financing in Regards to a Way to Get Cash
We here at Phoenix Title Loans are always looking for creative financing options that better suit customer needs. In fact, title loans in and of themselves are creative. Primarily, they do not involve much in the way of credit checks. You could have the worst credit possible and the likelihood of getting a title loans is STILL high. Also, we try to find ways to work around your time, schedule and circumstances to not only get you the money you need, but earn a sense of responsibility and reputation.
Other services we offer as a way of creative financing is that of buying out competitor title loans you have with other companies. We know, you thought they offered a better deal. Then you realized what that REALLY offered. That’s why we stepped in and bought it on your behalf, but you would still need to pay off any portion left. Finally, there aren’t many title loan companies around willing to come to you with money in hand to get your car out of an impound lot. While not directly related to creative financing, it IS a creative way to finance your situation and get you back into control. That’s the bottom line; cash on hand to control your destiny!
Phoenix Title Loans is the Creative Financing Solution
When it comes to creative financing, Phoenix Title Loans has been a forerunner of the concept via its title loans. This has been proven for over a decade of customer trust and business. So much so, it allowed us to branch off to several locations throughout the Valley of the Sun. So if you need a solution to your money problems, look no further than that of Phoenix Title Loans! We’ll get creative!
What Else Can Creative Financing Mean?
Creative financing doesn’t have a specific definition — that’s why it’s creative. Phoenix Title Loans defines this as doing whatever it takes to get you the fast cash you need. We understand that title loan financing is nobody’s first choice and is usually turned to when the situation is truly dire and there’s no other direction to turn for your help. If you’re put in that position, we want to be dang sure that we’re going to be able to provide the cash you need, and to provide it to you the exact same day that you need it.
Our creative financing solutions include helping those get a title loan that have no job, no credit, bad credit, are on fixed incomes, social security, or simply have a vehicle with issues like it needs to be repaired, or has a salvage title. Even if you don’t see yourself on this list, we can almost guarantee that we can find some kind of solution that is going to help you. If you’d like help evaluating your options to see what we have available for you, or perhaps what is the best financing solution for you, just give us a call here at Phoenix Title Loans.
Our consult will be free, it will be quick, and it will be hassle free. Remember that here at Phoenix Title Loans, creative financing means helping you out of your situation no matter what we have to do, and we’ll stick by that.
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.
