Alternative

Having options is the only thing that keeps capitalism alive, and is the best way to ensure that you as the customer is getting the fairest deal.  If you use them wisely, you can ensure that you get the lowest payment, lowest interest rate, and the highest cash value on your auto title loan in Phoenix.  Phoenix Title Loans is the alternative to all the bad auto title loan lenders you’ll find in town.  If you shop you’re alternatives, it’s easy to see how on all auto title loans we’re the top choice from Mesa to Tempe to Scottsdale to Phoenix.

Make the Right Choice With Us!

Making the Right Title Loan Choice

There are so many different variables when it comes to getting a title loan on your car.  You want to pick the lender that has options that allow you to maximize important things like loan value, and minimize interest rates and payments.  On top of this, many lenders don’t provide options in what they’ll loan on.  They end up turning good customers away because of minor items like a scratch on the car, etc.  They also won’t work with customers with special circumstances concerning income, or title status.

Take a quick look at all the various things that Phoenix Title Loans can offer customers, it becomes clear why we’re the best alternative title loan lender that you’ll find in Arizona.

We even make title loans on items outside of cars!  We can make cash loans on RVs, Boats, mobile homes, ATVs, Quads, Trailers, 5th-Wheels, whatever you might have we can loan cold, hard cash on.

Refinancing Existing Title Loans

The main reason to search for an alternative lender is to get out of a poor existing loan.  It’s unfortunately far from uncommon for people to have loans with monthly payments that are impossible to keep up with.  This is usually due to a high interest rate.  On top of this, these payments are usually only covering the interest!  You can find yourself a whole year out having not even paid down the title loan down at all.

Refinancing through Phoenix Title Loans gives you the opportunity to get out of such a situation through lowering both your payment and your interest rate at the same time.  Depending on the vehicle, we can even get you more cash for your vehicle on the title loan!  Because we care for our customers in Phoenix, Tempe, Mesa, Scottsdale, Chandler, and Casa Grande.  And our refinance option is how we take care of them.

Phoenix Title Loans can help you find your financial stability if other title lenders have not.  Therefore, reach out to us at one of our 11 locations or use our live chat at the bottom of the screen.  We will be happy to help you evaluate your options free of charge and find a solution that works for you.

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.