Small Auto Title Loans
A bit of money is always good to have. Phoenix Title Loans can offer small auto title loans for those just needing a minor amount. If you want $300, $400, $500 and the like, we can offer that.
Why Go Small?
While we encourage customers to get the maximum loan-to-value for their loans, and we’ve said it REPEATEDLY on this site, it’s not always necessary. For example, we had a customer whose vehicle was worth 1000 Dollars, but only request 400. Perhaps they did not see the need to get the full amount. The other possibility is simply testing the waters. This is common among first time customers. They may request a small amount at first to see what they can get. Testing the waters, as one would put it.
Many other title loan lenders refuse to do such little loans due to the high risk involved, but maybe also believing that it’s simply not worth their time to help someone out of a small bind. Phoenix Title Loans understands that what might be small to another, is big to you. We are happy to offer our customers small title loans no matter the amount — if you’ve got a vehicle, no matter it’s worth, we can get you the cash you need and deserve. If you’re coming in from Phoenix, Tempe, Mesa, Scottsdale, or Chandler, then we’ve got cash for you. Visit today and we’ll be more than happy to evaluate your situation free of charge and find the solution that’s best for you.
How Does One Get Small Auto Title Loans?
The process is as follows:
- Be in possession of a vehicle with a title (clean preferred)
- Have a current and valid Driver’s License from the State of Arizona
- Have a filled out application (either from online, or from in store; it’s not a deal breaker, it just helps the process)
- If you need to fill out an application and don’t have access to our online version, just visit any of our locations to get started by clicking here
This process works for any amount of the auto title loan customers look for.
Why Go to Phoenix Title Loans?
For the past decade that we have been in business, customers have trusted their financial situations to us, no matter how great or small. And in turn, we have grown our business into the near household name we’ve earned in the Valley of the Sun. This gives us the ability to offer more title loans to more customers in need of money. But we also understand some customers are still hesitant. Simply get small auto title loans to get an idea of how our system works, and you will see Phoenix Title Loans is a premier company to get behind.
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.
