Cash Title Loans in 45 Minutes or Less
When you’re in need of hundreds if not thousands of dollars, Phoenix Title Loans is the best place to go Mesa residents! When a financial emergency hits, there is no time to waste. Specially to wait for a traditional loan’s approval. Phoenix Title Loans is happy to bridge that gap with our cash title loans and an approval process that is fast and efficient! With three Mesa locations, and our experienced associates providing accurate assessments, fast cash has never been easier. Let’s look at the cash title loans process.
Beginning the Title Loan Process for Cash Title Loans
There’s many ways to start it, but by far the quickest and safest way is to use our Quick Online Application down below. Or use our Live Chat at the bottom right of the screen. An assistant will be able to answer any questions you may have, begin the process online and provide the approximate amount of cash Phoenix Title Loans can provide on cash title loans to you.
The Assessment & Your Vehicle’s Value
We look at many different metrics to determine the value. Therefore, you must bring your car down to one of our locations for an evaluation. Our assessment begins with verifying the make, model, year and mileage on the vehicle. After that, we will look at the exterior and interior’s visual appeal. Followed by asking you to start the engine, to ensure the vehicle is in good working order. Then, you and our staff member will go back in the store.
We utilize Kelley Blue Book for this, and we use the private party value which is slightly less than the suggested selling price. While many other title loan lenders refer to the Trade-In value, we are always looking to provide the most cash possible. As a result, we will ask you the amount you are looking to get, and then present an offer to you for cash title loans.
Our vehicle assessments are free of charge, and are never under any obligation to accept our cash offer.
Turning Offers Into Cash in Your Hands
If our offer is accepted, we will need you to provide the following:
- The vehicle’s title
- Your current and valid ID or Driver’s License
- A recent utility bill that is in your name to confirm your address
- If you bring an extra key to leave at the store, it can either increase your cash offer or lower the interest rate of cash title loans.
Once the paperwork is completed, we’ll need a couple of signatures where needed, and then we will count out our offer in cash to you!
Cash Title Loans are Hassle-Free
At Phoenix Title Loans LLC, we do not need to check your credit score to approve cash title loans to our customers. Nor will our title loan affect or be reflected on your credit score. Our cash loans are discreet personal loans, and never shared with the public. That is because title loans are also known as secured loans, or collateral loans. Which means your vehicle’s title must be free and clear of any and liens/loans, and be owned by you. In addition, the amount lent on our cash title loans is based solely on your vehicle’s value.
No Credit Checks Needed – No Proof of Income Required – No Lengthy Loan Application to Complete
If you need a Mesa Title Loan, stop by any of our three Mesa locations: Oro Express Mesa Pawn and Gold, Alma School Pawn and Gold, and B & B Pawn and Gold. You can go from zero to hero in as little as fifteen minutes, so get your cash loan 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. 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.
