Apache Junction Bad Credit Title Loans
We’re also one of the few Apache Junction title loan lenders who offer no credit and bad credit cash loans. The beauty of an Apache Junction Bad Credit Title Loan is that your vehicle is the sole collateral we need to use to
get you fast cash. We don’t even need to perform a credit check. All you need is a vehicle, with a clean and clear title and we can guarantee you cash in your hand.
Considering our lending is based on collateral, they do not need to consider your credit history, for you to get the cash you need fast. Like we said above, your vehicle is the key to our secured lending, and is based on your car’s value. Therefore, allow Phoenix Title Loans to be your Apache Junction Bad Credit Title Loan Lender!
How Can A Title Loan Ignore Bad Credit?
An auto title loan is also known as a collateral loan. Meaning, we do not rely on your credit score and financial statements to approve you for a cash loan! Apache Junction bad credit is really none of our business! Because a collateral loan uses your vehicle as the only kind of confidence for repaying the loan.
There isn’t some long, drawn out approval process, no verification of income, none of the nonsense that is intended to hold back lenders like you from getting fast cash when you need it. In Apache Junction, there’s simply no better way to get a fast cash loan with bad credit. If you can drive up to our store, then we’ve got money to put in your pocket.
If you’re interested in getting a title loan with bad or no credit, but have other factors that you think are going to improve your interest rate and monthly payment just contact us. We can look at many different things outside of credit. For instance, your income type, whether you own a house, who you work for, giving us a spare set of keys to your car, tracking, and all sorts of things. We’re happy to always work with our customers no matter the circumstance and can get you fast cash with Apache Junction Bad Credit Title Loans!
If I Don’t Need Credit, How Can I Get Better Title Loan Terms?
This is a great question, because usually credit is used to influence your loan terms such as interest rate and monthly payments. Without using credit, how do we come up with these things? You can provide as much or as little information as you want to. We can use income, income type, longevity of work, loan-to-value and all sorts of things. A big metric that can greatly reduce both your interest rate and monthly payment with our Apache Junction bad credit title loans is lowering your loan-to-value ratio. This is the amount we offer you in comparison to the amount of money you decide to take from us.
In many situations, we offer more than our customers actually need. Giving you the opportunity to take less than our offer. This is very important. Because it shows you are not burdening yourself with excessive monthly interest payments. Which, in return, makes it less of a risk for us as the lender to be concerned with receiving payments. Providing us with a spare key can also do this, but a lower loan-to-value is your key to cheaper payments.
So what’re you waiting for? Our Apache Junction Bad Credit Title Loans are available to you Monday through Sunday, with a convenient Online Title Loan Application and live chat operating most hours of most days, it’s easy to get an Apache Junction Title Loan in mere minutes.
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.
