What Documents Do You Need for a Title Loan in Mesa?
Documents You Need for a Title Loan in Mesa?
Essential Documents You Need for a Title Loan
To apply for a title loan with Phoenix Title Loans, you’ll need the following documents:
- Vehicle Title: Your car’s title must be lien-free and in your name. This serves as collateral for the loan.
- Government-Issued ID: A valid ID, such as a driver’s license or passport, to verify your identity.
- Proof of Income: While not always required, providing proof of income (like a pay stub or bank statement) can help us offer you the best loan terms.
- Proof of Residence: A utility bill, lease agreement, or other document showing your Mesa address.
- Vehicle Registration and Insurance: In some cases, we may ask for your car’s registration and proof of insurance.
Don’t have all these documents? Don’t worry! Call us at (480) 499-4699, and we’ll work with you to find a solution.
Why These Documents Are Important
We ask for these documents to ensure a smooth and secure loan process. Here’s why each one matters:
- Vehicle Title: This is the collateral for your loan, so it must be lien-free and in your name.
- ID and Proof of Residence: These verify your identity and ensure you’re a Mesa resident.
- Proof of Income: While not mandatory, it helps us tailor the loan terms to your financial situation.
At Phoenix Title Loans, we’re committed to making the process as easy as possible. If you have questions about any of these requirements, or about what documents you need for a title loan, our friendly team is here to help.
What If I Don’t Have All the Documents?
Missing a document? Don’t panic! We understand that life happens, and we’re here to work with you. Here’s what you can do:
- Lost Title: If you’ve lost your vehicle title, we can guide you on how to obtain a duplicate from the DMV.
- No Proof of Income: We can still approve your loan based on your vehicle’s value.
- Other Issues: Call us at (480) 499-4699, and we’ll find a solution that works for you.
“I didn’t have all the documents when I applied, but the team at Phoenix Title Loans was so understanding. They helped me get everything sorted, and I walked out with cash the same day!” – Lisa M., Mesa, AZ
Frequently Asked Questions
Do I need good credit to get a title loan?
No! We don’t require a credit check. Your car’s title is your credit, making it easy for anyone to qualify.
How much can I borrow?
The loan amount depends on your vehicle’s value. We’ll evaluate your car and provide a loan offer with competitive rates and flexible terms.
Can I still drive my car while repaying the loan?
Yes! You keep your car and continue driving it while repaying the loan.
Why Choose Phoenix Title Loans?
Here’s why Mesa residents trust us for their auto title loan needs:
- Fast Approvals: Get cash in as little as 30 minutes.
- Low Rates: Enjoy competitive interest rates and flexible repayment terms.
- No Credit Checks: Your car’s title is your credit.
- Exceptional Customer Service: We treat every customer like family.
- Trusted by Mesa Residents: Over 10 years of experience serving the community.
Apply Today and Get Cash Fast
Ready to get started? Apply online or visit one of our three 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.
