Fall in Bloom, Temperatures Drop; Plan Ahead Now!
Ah the JOYS of Fall! Holidays coming up, school’s back in session (great for parents, not for kids), and of course, for Valley Residents, the Dog Days of Summer are BEHIND US! That said, Fall comes in, and temperatures start to drop. The nights are longer and they get colder. Before you know it, we start needing heaters; despite enduring the heat. Old Man Winter will be knocking at your door if you’re not prepared. You’re in luck, as Phoenix Title Loans has your back in this aspect as well.
How does a Title Loan Company help us endure the Cold?
Simple. Phoenix Title Loans gives the thing you need to help cover the heating bill: COLD. HARD. CASH. We do this by providing Title Loans based on your vehicle or applicable collateral. All you need is a car/truck/boat/etc. along with a title to that collateral which is in clean standing. We’ll also need an Arizona or State-issued Driver’s License to verify who you are. After which, the filling of paperwork is next. This takes at most an hour, and on rare cases, less than five minutes.
Still not convinced; it’s only Fall
Well, consider this. Just as it was costly to maintain cooling in the Dog Days of Summer, Winter can be just as punishing here in the Valley of the Sun. Our homes are better designed for the heat (to an extent) than the cold; not to mention our bodies are mostly adjusted to triple digit temperatures. The sudden blast of cold can come as a surprise to us. This means unexpected costs in staying warm. Also, your vehicle could be an extra source of income to cover those unexpected bills. And with Halloween on the horizon, it’s the start of another hectic Holiday Season. Best to plan ahead now, before it’s too late!
Where are your store locations?
The great thing about Phoenix Title Loans is we have multiple ways of reaching us. We have 10 locations valley wide, from Avondale to Casa Grande.
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.
