Our Mesa Title Loan Services
Our title loan services now reach the entirety of the City of Mesa meaning any citizen is able to turn their vehicle into fast cash in a matter of minutes. Our Mesa Title Loans are able to take any vehicle, boat, RV, or motorcycle and turn them into cold, hard cash. The beauty in a title loan is that you can still take your vehicle and drive it away. With three convenient Mesa locations, you can be sure that cold, hard cash is a mere mile away from wherever you are. On top of convenience, we can almost guarantee our ability to get you a title loan no matter your income, credit, or vehicle situation. Let’s look at the abundance of services we have to offer our Mesa Title Loan customers.
Salvage Title Loans Are Okay!
It can feel impossible to get someone to look at your car for its worth whenever you have a salvage titled vehicle. From trying to sell it to a private party to getting a loan on it from a bank, everyone looks at you as if you’re riding a bike. At Phoenix Title Loans, we believe in the worth of your vehicle regardless of what a piece of paper says and are happy to offer our customers Salvage Title Loans. While the worth is going to be less, we don’t believe in discriminating your vehicle’s worth and are one of the only title loan lenders in all of Mesa that will happily loan on your salvage vehicle. If you’d like a free quote, reach out to us today.
Bad Credit, No Credit, No Problem!
The list gets longer and longer of why you should get a title loan at Phoenix Title Loans. No matter if you’ve bad credit, or no credit, you can still be eligible for a fast cash title loan from any one of our three Mesa locations. Your vehicle is all you need at Phoenix Title Loans to secure fast cash. A title loan is a form of collateral loan in which all the security we need that you’ll pay back the loan is the worth of your vehicle and not some silly, three digit score. If you’ve run into financial difficulty in the past, or simply haven’t had the opportunity to build credit, we don’t care at Phoenix Title Loans. If you need a bad credit or no credit title loan in Mesa, we’re the only place to visit.
Motorcycle, RV, and Boat Title Loans
While an auto title loan is obvious in its name – a loan on an automobile, it’s not all we are able to loan on. If you’re uncomfortable with the notion of getting a loan on your vehicle, then use that boat that’s taking up space during the winter, or that RV that really only sees road time once a year and use it to secure the cash you need. A title loan is just a collateral loan meaning anything of value can be used as collateral for your loan. There’s no difference between a title loan on a vehicle or a boat. IF you’re not sure which product is right for you just ask! We’re more than happy to help you analyze the options available to you free of charge.
Refinance Title Loans
Perhaps one of the most helpful services available to our Mesa residents is our ability to refinance or buy out their existing title loan. The nature of many title loan lenders is to take advantage of those who find themselves in poor financial situations hitting them with extremely high interest rates and monthly payments when they find themselves in financial need. Often many of our customers find themselves six months down the line having made all the required payments but being literally nowhere near paying off their title loan. At Phoenix Title Loans, we believe in a responsible repayment plan not attempting to generate as much interest as possible. Our payment plans are always taking care of both your principal and interest balances simultaneously so that in some period of time you’ll know your loan is paid off.
Our ability to refinance title loans means that you can get out from under poor title loan conditions. In the vast majority of situations, we can lower your interest rate, your monthly payment, and even give you more time to pay. If your title loan payment is coming due, refinance your title loan and we can give you another 30 days to make your first payment. Reach out to us today and we’ll be more than happy to buy out your current title loan to put you in a much better financial position. With three Mesa locations, it’s quick and easy to refinance title loans today.
Reach out to us today! Our three locations are spread across all of Mesa to make it as convenient as possible for you:
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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.
