No Traditional Credit Check Loans Tempe
Credit Checks are the one thing that can make or break a customer’s finances. Especially when credit is low. The last thing a customer needs is another loan that is held back by credit checks. Fortunately, Phoenix Title Loans has the solution: No Traditional Credit Check Loans Tempe citizens can come to rely. Read on if this fits your needs:
You Have No Traditional Credit Checks?
Well, we are not focusing on them. Instead we focus on the loan-to-value provided by your collateral, aka your vehicle. Depending on several factors, such as age, cosmetic damage, and type, you could get a lot for your loan. You don’t need to have stellar credit to get a title loan. Just your vehicle, its title, and a few forms of ID (issued by the State of Arizona, along with being current and valid).
How Do These Loans Work?
The loans themselves are based on the vehicle and its title. We also give customers a timetable to pay back their loan over time that we agree on. Essentially, you head to our nearest location to your address, request an auto title loan, and we’ll finalize all the paperwork in house as well as provide the cash on hand right there.
What If I’m a College Student?
All the better! We’re not shy of serving college students in Tempe, but as always, our requirements must still be met: must have a valid Arizona State-Issued Drivers License, along with a working vehicle and title that is assigned to that vehicle. Think of it as a means of understanding how loans work, and ultimately use these programs to advance your learning opportunities here in the Valley and beyond!
Where Are You Located?
If you live in the Tempe area, you can use this map for reference:
If you have further concerns of reaching us here, click the link here.
Phoenix Title Loans Is The Best Choice?
Indeed it is! Phoenix Title Loans is a Valley-owned and operated business. We hire locally, and thus the success of our business rests solely on our customers, and the staff that have made Tempe their home. So if you ever need a title loan without the burden of traditional credit checks, look no further than No Traditional Credit Check Loans Tempe locals gain from Phoenix Title Loans! We’ll look forward to seeing you soon.
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.
