Auto Title Loans 101 for DummiesHow much can I borrow?

You can borrow as much cash as necessary, up to the value of your car.  We’ll always offer you the highest cash value we can, and you’re welcome to take less than what we offer.  The amount is based solely on the value of your vehicle, and the condition that it’s in when you bring it to us.  You can find much more about how we value your car here.

Do I need a job?

You don’t need a job to get an auto title loan.  We won’t ask for pay stubs, and we don’t ask for proof of income.  Your automobile is your source of collateral, and that is all you need to provide.

Does my income matter?

Your income, as stated above, does not matter whatsoever to us.  Your vehicle is the collateral, you’re simply responsible for the interest that accrues until you pay it back.

I want to pay the loan back when I get my tax refund, is that okay?

That’s perfectly fine.  You pay back the loan whenever you have the money, but you do accrue interest from the day you take the loan.  There are minimum monthly payments for your interest that you have to make, but you can pay off the principal of the loan whenever you have the money, or whenever your tax refund comes in.

Do I have to pay every month?

There are minimum monthly payments on the loan to pay off your interest on the loan.  You can pay more, to start paying down your principal as well.  This will lower the amount of monthly payments you’re required to make.

Do I need a valid driver’s license?

A valid driver’s license is not necessary.  The title of the car needs to be in your name, needs to be lien-free, and you’re good to go.  A valid photo ID is necessary just to verify your identity, but for an auto title loan, you only need the title.

How fast can I get my money?

You get your money instantly!  The process for an auto title loan is short and sweet.  We check your credentials, the title, and the condition of the car, and then make you an offer.  Once you accept, you walk away with your cash and your car still in hand.

Do I need utilities in my name?

No, you do not.  Utilities are not necessary to qualify for an auto title loan.  Just some sort of ID to verify your identity is necessary, past that, you’re good to go!

What if I have bad credit, or no credit at all?

The beauty of an auto title loan is that we do not check credit at all.  Credit is not necessary for auto title loans from us, and it doesn’t matter where your credit might sit.  All it requires is a vehicle, a title, and photo ID, and you can leave with cash in hand.  For more information on no credit auto title loans, read here.

Can you store my car for me if I’m not using it?

With the accepting of your auto title loan, we’re more than happy to store your car in our safe, secured lot.  You can take the car and drive it away with the cash, or we’re just fine to store it away for you and promise its safety.  Allowing us to store your car can maximize your loan value dramatically.


Any other perks to Phoenix Title Loans that makes you stand out?

Absolutely! While our competition will offer 30 day no interest on their loans, we’ll up the ante and come at them with 60 days no payment! That’s right, two whole months to get you back on your feet before you even need to make the first payment. We also have the benefit of accepting almost ANY vehicle as long as the title is free and clear. If it’s not yet, contact us and we can assist as best we can. And even IF you chose to go somewhere ELSE for your auto title loan Phoenix Title Loans can still help you out!

We buy out title loans and even refinance title loans in case you feel it too much to handle. And at our location in Van Buren our Boat Title Loans customers have the benefit of us storing their boats with us while they pay. Free up time to get your loan paid and space around the home for whatever purpose in mind. What other Title Loan company is willing to provide these great services? Other than us, very few.

Low Loan Interest Rates

Phoenix Title Loans, LLC, is unique to Phoenix, Scottsdale, Mesa,  Chandler, and Tempe, in the sense that we can offer the lowest interest rates in town.  As discussed above, we make you a cash offer.  If you decide to take less than half of the cash offer we’ve given you, then we will instantly and automatically lower your interest rate to 60% APR! There’s nowhere else in town that will come close to that rate, and if you need more than half, you can find out other ways to lower your interest rate here.

Multiple Locations in Arizona

One of the best features of Phoenix Title Loans is our multiple locations across the Valley of the Sun. Instead of desperately searching for an auto title loan Phoenix store, just look to us! We have eleven locations spread throughout the Valley, in PhoenixScottsdaleChandlerAvondaleMesaTempeCasa Grande and so on. We even provided the kinds of auto title loans Casa Grande locals would want! And customers keep coming back to us as the auto title lender choice when they need a financial problem solved!