Terms & Conditions

Phoenix Title Loans

Effective Date: 12/17/2025

These Terms and Conditions (“Terms”) govern your use of the Phoenix Title Loans website, services, and any communications, including text messaging programs. By accessing our website or opting in to receive communications, you agree to these Terms.

1. Program / Brand Name

The SMS messaging program is operated by Phoenix Title Loans.

2. Description of Messaging Program

By opting in, subscribers may receive text messages from Phoenix Title Loans that include, but are not limited to:

  • Responses to inquiries

  • Application or account-related updates

  • Appointment reminders

  • Customer service communications

  • Informational messages related to our services

Messages are not required as a condition of purchase or service.

3. Message Frequency

Message frequency may vary depending on user interaction and service needs.

By providing your mobile phone number and opting in, you expressly consent to receive text messages from Phoenix Title Loans. Consent may be withdrawn at any time.

5. Opt-Out Instructions

You may opt out of receiving text messages at any time by replying:

STOP to any message.

Once you opt out, you will no longer receive SMS messages unless you re-enroll.

6. Help / Customer Care Information

For assistance, reply HELP to any message or contact:

Phoenix Title Loans
Website: https://www.phoenixtitleloans.com
Phone: (480) 499-4699

Customer care contact information is consistent throughout the program.

7. Message & Data Rates Disclosure

Message and data rates may apply depending on your mobile carrier and plan.

8. Participating Carriers

Participating carriers include, but are not limited to:

AT&T, T-Mobile, Metro PCS, Verizon Wireless, US Cellular, Google Voice, Cellular One, Cellcom, Cellular South, Interop, Clearsky.

Carrier participation is subject to change.

9. Carrier Liability Disclaimer

Carriers are not liable for delayed or undelivered messages.

10. Privacy Policy

Your privacy is important to us. Please review our Privacy Policy here:

👉 https://www.phoenixtitleloans.com/privacy-policy-3/

Key mobile privacy disclosure:

  • No mobile information will be shared with third parties or affiliates for marketing or promotional purposes

  • Text messaging originator opt-in data and consent will not be shared with any third parties

11. Use of Website

You agree to use this website only for lawful purposes. You may not misuse, disrupt, or attempt unauthorized access to any part of the website or services.

12. Disclaimer of Warranties

All content and services are provided “as is” and “as available.” Phoenix Title Loans makes no guarantees regarding availability, accuracy, or uninterrupted access.

13. Limitation of Liability

Phoenix Title Loans shall not be liable for any indirect, incidental, or consequential damages arising from the use of this website or communications, to the extent permitted by law.

14. Changes to These Terms

Phoenix Title Loans reserves the right to update or modify these Terms at any time. Changes will be posted on this page with an updated effective date.

15. Contact Information

For questions regarding these Terms & Conditions, contact:

Phoenix Title Loans
Website: https://www.phoenixtitleloans.com
Phone: (480) 499-4699

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. CREDIT CHECK NOT REQUIRED ON MOST LOANS.

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.