Title Loan Bad Credit
Customers can have a healthy fear of credit. While good credit is always welcomed with any business, few achieve this. In most cases, Average Arizonans lean towards having fair or bad credit; with few not having credit at all. Should you get a title loan bad credit won’t be a deal-breaking factor with us, here at Phoenix Title Loans! Here’s the reasons why
Your Credit is NOT Your Collateral
Compared to most banks and lenders, their sole reliance is on a person’s credit score. Life, Death, doesn’t matter. If your score is bad you are left out in the cold. Phoenix Title Loans isn’t dependent on a customer’s score. We are dependent on a different collateral: your vehicle. Depending on its condition and if it can reach us under its own power while you drive it. Once that is proven, you’are already half-way finished. Next, we would need to see the title to the vehicle and your Driver’s License. Make sure the license is based here in the State of Arizona; this simplifies the process in the long run. Never again are you burdened by a credit score in this regard; now just show up with your vehicle and get the cash you need.
Use This as Methodology to Help Fix Money Problems
While this is a unique means of getting money, this is an overall benefit that you can keep in mind. With this loan, you are working towards paying it off. This is a useful option; the building block to get back into managing debts. Finally, realize that this is a temporary solution, but not a one-off solution. If the need arises and funding is low, get a title loan bad credit good credit or fair credit free! Phoenix Title Loans is ready to offer our services.
Where Can We Find Phoenix Title Loans?
If you need to find us, we have ten locations and growing even today. For a listing of locations check out our Zip Code Directory.
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.
