Local Title Loans
Title Loans are a special type of loan program that uses a customer’s vehicle and the title of that vehicle for a small cash loan. Naturally, you want to find a business that provides this type of program locally. Fortunately, you have Phoenix Title Loans as your best source for Local Title Loans. Here are some of the reasons why:
We’re a Local Business
Much like the customers that make the Valley of the Sun their Home, so do we. Phoenix Title Loans is locally owned and operated by citizens of the Greater Phoenix Metropolitan Area. That means we understand how local people are simply in need of some extra cash during a tight spot. It also gives us a simple pleasure to know that we offered a way to better our customers’ solutions in some small capacity.
Local Title Loans Help Local Businesses and Residents
As with all businesses, the key to survival is financial stability. While our programs are more designed for the short-term, it’s still worth the investment to pursue them. What starts as a short-term investment could go longer down the road. That’s how most local businesses get their footing, with loans like these; they then fine tune their services to cover the cost of the loan and pay it back in a relative time period or ask for a refinance option if available.
National Companies Don’t Always Offer Key Results
While we do respect our competitors, to a degree, we acknowledge they are only here to further their name and brand, same as us. The difference between us is that if things don’t go well they can pack up and leave. We won’t. Our business is tied strictly into the customers we serve here in the Valley of the Sun. That’s why we have the name PHOENIX Title Loans, as we offer local title loans to residents here, and can better assist customers here with their needs.
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.
