(800) 250-6279GET CASH WITH A TITLE LOAN IN ARIZONA
We offer online title loans, and in some cases, there’s no store visit required!
FAST CASH ONLINE WITH A CAR TITLE LOAN IN ARIZONA!
Premier Title Loans offers title loans in Arizona for anyone with a paid off vehicle and proof of income. You may not need a traditional credit check, as your vehicle's equity determines the funding amount! Loan amounts start at $2,000 in AZ!
Get Qualified For A Car Title Loan In Arizona
Have you ever wondered how much equity you can cash out of your vehicle? By taking out a title loan, you can use the value of your car, SUV, or motorcycle as security for a loan amount of $2,000 or more! Some title loan companies in Arizona offer up to $20,000 for high value vehicles, and your credit score will never be an issue during underwriting as long as there’s enough collateral backing up your loan.
Car title loans have been around for over a decade in Arizona, and Premier Title Loans can guide you through the process of getting pre-approved in less than 30 minutes! In addition to title loans on paid off cars, we also offer registration loans in Arizona for anyone who needs to borrow a few hundred dollars and is willing to use their car’s registration as security. No matter which loan option you apply for, we can provide you with a quote in minutes when you apply online or by calling 800-250-6279.
The Main Requirements For Title Loans IN AZ
– Be a resident of Arizona. Some larger companies in Phoenix and Tucson may allow applicants from other states, but you must have a car that’s titled with the Arizona MVD.
– Be 18 or older with a valid ID. Your driver’s license can not be expired, and some lenders require proof of a clean driving record.
– Have a lien free car title with no cosigners. The car or truck must be completely paid off with no cosigners or third-party lenders. You’ll need to sign over the pink slip to your lender.
– Have a steady income. Your monthly income must demonstrate that you can make the required monthly payments. Verify your income with pay stubs from an employer or statements from your bank account.
– Have a bank account with checking or savings. A bank account is required for the lender to process the monthly withdrawals. Some title loan companies in Arizona allow you to get a registration loan without a bank account, but often only for a small loan amount.
It doesn’t matter if you’re applying for registration loans in Flagstaff or title loans in Tucson. The time it takes to get pre-approved with Premier Title Loans depends on how quickly you can submit the required documents. You only need a few documents to get approved for a title loan in Arizona, and everything can be completed in a matter of hours if all the necessary documents are ready. Many large lenders in Arizona can process your application quickly as long as you provide the necessary qualifying information.
Online Title Loans In Arizona With Bad Credit
One advantage of title loans is that they are available to people with bad credit. Secured loans can be a great option if you need money urgently but have been unable to get a traditional bank loan due to your lending history or the requested loan amount. Finance companies that offer secured loans in AZ understand that you likely don’t have a great credit score, and most will use the credit check to verify your identity, not to assess your creditworthiness.
There may be issues, however, if you’re currently bankrupt or in the process of declaring bankruptcy. Most title loan lenders will not work with you in these cases as they consider it too high of a risk. Other concerns with bad credit title loans include the risk of defaulting on another online title loan lender in Arizona. You would not qualify because that lender has your car title.
Title Loan Funding Amounts In AZ
AZ lenders typically offer registration and online title loans ranging from 40% to 60% of the vehicle’s resale value. So, if your car is appraised at $12,000, you could borrow $5,000 or more with a title loan. Your funding amount also depends on your income and employment history. The minimum loan amount for a title loan in Arizona is around $2,000, with some customers eligible for up to $20,000 if there’s enough equity in their vehicle.
Another option in Arizona is a vehicle registration loan. With a registration loan, you can use the registration of your vehicle as collateral. Funding amounts for registration loans are significantly lower than those for title loans, typically ranging from $500 to $2,000.
Premier Title Loans also offers refinancing options in 2025 for anyone who previously took out a title loan with another Arizona lender. Refinancing is an excellent option because, if you’ve made your payments on time, you stand a good chance of securing new repayment terms with a significantly lower interest rate. Refinancing your title loan in Arizona can bring your interest rate below 40% and get a payoff term of 12 months or less. We also offer registration loan refinancing. Call us at 800-250-6279 to learn about the payoff terms you can expect.
Benefits Of Taking Out Arizona Title Loans
– Secured loans are available to people with bad credit throughout Phoenix, Tempe, and other areas of Arizona. It doesn’t matter if you’ve recently had a vehicle repossessed or declared bankruptcy a few years ago. If you own a vehicle free and clear, you can get approved for an online title loan in Arizona without a credit check!
– Apply with Premier Title Loans online or at any licensed lending location in Maricopa County. We can take your application anywhere in Arizona and start processing your loan immediately! There’s no need to wait days for your loan to be underwritten.
– You can get cash in hand within hours of approval! Some online companies will send the money by direct deposit the same day if you apply before 2 pm. Local lenders can provide you with cash in person immediately after signing the contract.
Title loan companies in Arizona typically offer longer repayment terms than payday loan companies. While most payday loans must be repaid within a few weeks, title loans have a payoff term of 1-4 years. This allows you to make the monthly payments at a lower amount, and you can pay off the entire amount upfront or at any time.
Drawbacks Of Car Title Loans In AZ
– They are restricted in some areas in Arizona. Certain Indian Reservations do not allow title loans, and you are prohibited from applying from within a tribal area.
– They come with very high interest rates. In Arizona, the APR for vehicle title loans and registration loans can reach 100%.
– You need a clean and clear car title. You won’t qualify if the vehicle has a salvage title or if you have a cosigner on the car.
– If you miss a loan payment, your vehicle can be repossessed. Once the car is repossessed, you have only a few days to pay the fees and other charges to retrieve it.
Title loans in Arizona can be a good option for anyone with bad credit who needs cash in 24 hours. Consider all the risks associated with title loans, and use our car title loan calculator before signing any contract. Contact Premier Title Loans online or call 800-250-6279 to apply for a loan using your paid off car as collateral!