Auto Title Loans Are a Payday Solution
It never seems enough, does it? You get paid, only to still come up short of the cash you need. It seems like you do all you can, only to not get any headway to knocking down that debt. We at Phoenix Title Loans here you, loud and clear, and wish to let you know one crucial fact: Our Auto Title Loans are a Payday solution you can use while balancing finances.
Wouldn’t That Just Be Another Debt Added?
Not necessarily. We offer our title loans as a means to relieve some debt or free up some funding you may not have at the moment. Having to live paycheck to paycheck, which is the same as hand-to-mouth, is frustrating. You also have to wait for the money to come from your job. What if there was an emergency that needed to be dealt with? You may also have plans to save up money for other things in life. Why not pursue other means of income?
It could free up your spending when a safety net that you drive every single day is ripe for the taking. That being said, it IS a loan, and the car is the collateral. Should something happen and we’re not aware of it, we would have to step in. Hopefully, you have your finances back in good standing and can pay us the loan back in time.
What’s important to be considered when we talk about auto title loans is it’s a mean to escape a debt. While it is going to be another debt for you, it’s meant to help you escape a large debt so that you can take care of it over time, instead of all at once. It’s ideal for medical expenses, sudden large car expenses, or any other kinds of large expenses that you’re simply unequipped at the time to pay for. You’re essentially swapping your debt over to Phoenix Title Loans so that you don’t have to have it looming over you. We boast competitive rates and monthly payments in all of Phoenix, Tempe, Mesa, Scottsdale, and Chandler, and are here to help you out of this situations. If you’d like help in evaluating your options to find out if an auto title loan is the correct choice for you, feel free to reach out to us by using our live chat, our Online Title Loan Application, or just give us a call.
How Would Auto Title Loans Work as Another Payday Option?
It actually works best IN-BETWEEN paychecks, and for emergencies. It becomes another payday option in that you simply bring us your vehicle, its title, and an ID issued by the State of Arizona. We then inspect the vehicle, provide an amount or proceed to provide the amount requested, and you get the cash in the store. Bottom line, you now have an extra source of income at your fingertips, freeing up much needed money on your person. If that’s not another payday option, we don’t know what is…
What Makes Phoenix Title Loans The Ideal Choice?
Phoenix Title Loans is a native Valley business, so we understand what customers have to go through in order to make a living in the Phoenix Metro Area; handle bills, take kids to school, get funding for college classes/textbooks, etc. We also have local residents employed in our business, that makes it more personal when doing business with us. Another personal touch is our selection of locations. Having stores in Mesa, Tempe, Phoenix, Avondale, Casa Grande, Scottsdale, Chandler and Glendale really helps our customers reach us when they need to.
We’ve also been in business for well over a decade and have expanded from our humble start in Mesa to eleven valley wide locations. We specialize in getting anyone and everyone the money that they need no matter the circumstances, otherwise we wouldn’t have been able to expand so rapidly. Take a look at our menus and you’ll see how many services we offer — no matter the case, we can get an auto title loan to you. We’re giving back to the communities that have helped us, and can more than likely get you the money that you need.
We are also looking for further ways to reach them, such as our online application. This makes it easier to get the answers you seek without the need to travel outside of home. Finally, we have had successful business practices over the past ten years. That’s a testament to our commitment to serve. So if you need money and happen to be between pay checks, now you have a solution. Visit today!
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.
