Cheapest Title Loans
Getting the most loan-to-value in title loans without breaking the bank is the goal for all customers. What scares most customers is the fees that are associated with loans. Phoenix Title Loans is no exception to those types of fees, but we’ve found ways to become the cheapest title loans in the Valley.
We Offer Flexible Options in being the Cheapest Title Loans Provider
In order to have the Cheapest Title Loans, we need to be able to handle the customers’ needs as they come. That include offering great deals such as lower rates. We may even be willing to waive the first 30 days of rates depending on the customer’s situation.
In addition, we are willing to buyout title loans and have you take care of this loan through us. That’s also an option for the cheapest title loans that most customers don’t take full advantage of. You could be paying forever from other companies when you could have the loan under us and refinance under our less costly terms.
How Else Do We Have the Cheapest Title Loans?
How do you actually evaluate the price of a title loan, let’s ask that question first. A title loan can be as inexpensive or as expensive as you really want, it just depends on a few factors such as your timeline to repay the loan, and also the loan terms that the title loan originator stuck you with. This is where many people fall into a pit as they get taken advantage of in their time of financial need with exorbitant interest rates and unfair loan terms.
Some people find themselves a full year later having made the required payments only to find out that they actually haven’t made any progress on actually paying down the principal balance. Phoenix Title Loans doesn’t condone this practice, and instead provides the cheapest title loans so that it actually becomes a financial service that gets you back on your feet.
We do this by giving good interest rates in town, low monthly payments, and a higher than average loan to value allowing you to get more cash, cover your other expenses, then worry about paying us back after you’re back on your feet. That’s how we provide the cheapest title loans in Phoenix, Tempe, Mesa, Scottsdale, and Avondale — by helping you.
Another option that makes us the cheapest title loan option is that we don’t make you drive to us every month, and instead offer tons of convenient options to contact us with questions about your title loan, or to make payments. We can actually process debit card payments on the phone, or take mailings of checks, money orders, or certified personal checks through the mail. On top of this, we’re open on Sundays as well so you’ll never have to worry about missing a payment or asking a question. Here at Phoenix Title Loans, we make ourselves available to you as often as possible so that you can get the help you need when you need it.
Trusting Phoenix Title Loans as of the Cheapest Title Loans Provider
Phoenix Title Loans has already been noted for being a trusted title loan company in the Valley. This was made possible by customers trusting our services for over a decade. Through this same trust, we were able to expand our businesses throughout the cities of the Valley, such as Scottsdale, Tempe, Phoenix, Mesa, Avondale, Glendale, Casa Grande, Chandler, and more. So now we aim to be the best title loans company in the Phoenix Metro Area by offering the cheapest title loans available. Stop by today and see what we can offer 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.
