Vehicle Title Loans
Vehicles aren’t limited to just ‘cars’ or ‘automobiles’ as well. A vehicle is a machine used to transport people, or goods. Vehicles are also accepted in Phoenix Title Loans. After all, auto title loans are based on vehicles and we can’t be in business without them.
What Vehicle Would You Accept?
There are many types we are willing to accept for title loans; however, there are some basic standards of course in taking one in: does it have a motor to propel the vehicle? Can it be steered? Does it run on some kind of fuel or hybrid engine? If it handles these basic functions of a motor-vehicle (doesn’t have to be a motor-vehicle) then we may consider it for a title loan. To make things a little EASIER we have taken the following in the past:
- Boats
- Jeeps
- SUVs
- ATVs
- Helicopters
If you are in possession of any of these vehicles, then you may very well qualify! To get started, all we ask is that you contact us or simply use our Online Title Loan Application to see if you qualify. You don’t even need to leave the comfort of your own home!
We have to tell people every day that this list is not extensive! We can literally offer our vehicle title loans on anything you have. The beauty of an auto title loan is that it is a type of collateral loan meaning that as the lender, we have confidence in lending that is unique in loan origination. This is because if something does come up and repayment is not possible, you can use your collateral as repayment for the loan without having to worry about harms to your credit or future stability. This also allows us at Phoenix Title Loans to provide more favorable terms than you can find at most institutions like lower monthly payments, lower interest rates, and faster overall repayment times. With a vehicle title loan from Phoenix Title Loans, you can get the fast cash you need on literally any kind of vehicle you have. With a collateral loan, anything is good for cash and we can get it to you in a mere matter of minutes in Phoenix, Tempe, Mesa, Scottsdale, Avondale, or even Chandler. Contact us using our live chat, our phone number, or even our online title loan application for fast, immediate service.
The Breakdown of the Process
Once you have the confirmation from our staff in regards to your loan request, here are the next things to do to get that cash:
- Use our Zip Code Directory to find the nearest location to your home.
- Make sure you have your Title to the vehicle and also an Arizona State-issued Driver’s License.
- Stop by and fill out the last bit of paperwork inside the store.
- Walk out with CASH IN HAND!
We also offer the option to store the vehicle as well, so that you can further protect your investment. Keep in mind you also have the option to hold onto it while the loan is in effect. This choice is always yours to make, but understand we may request to hold onto the vehicle to ensure the maximum loan-to-value is met.
Financial Freedom for Customers
Life has many challenges and times you will least expect. To have a vehicle to act as a financial buffer allows freedom to better one’s position. Phoenix Title Loans believes that customers shouldn’t be limited to just cars or trucks. We also believe in reaching all customers in the Valley that may need our help. That’s why we have over ten locations across key cities like Mesa, Glendale, Tempe, Chandler, Phoenix, Avondale, and more. Let Phoenix Title Loans become the vehicle you use to reach your goals!
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.
