(800) 250-6279BORROW $1,500 OR MORE WITH A TITLE LOAN IN MESA
Apply with Premier Title Loans to cash out equity from your car or truck!
FAST APPROVAL TITLE LOANS IN MESA ARIZONA
Are you a Mesa resident looking to borrow cash? Here at Premier Title Loans, we offer affordable title loans of up to $20,000. These car title loans are great for borrowers are great for borrowers in Mesa and you don't need good credit!
Get A Car Title Loan In Mesa, Arizona
Do you own a car that’s model year 2012 or newer? If you have the pink slip to that vehicle and can verify your income, you stand a decent chance of qualifying for a title loan in Arizona. These loans use your vehicle’s equity as security for a loan amount that would never be possible with a personal loan lender or bank. Title loans allow you to borrow up to 65% of the value of your car or motorcycle, and some customers can qualify for fast funding in 24 hours.
Title loans work well for most people because there are few underwriting requirements if you have a paid off vehicle. Now compare that to what you can expect from a personal loan company that requires an excellent credit score and multiple other documents. Anyone in Mesa can apply with Premier Title Loans online or call 800-250-6279 to get started, and we’ll get you pre-approved with a no obligation quote in less than 15 minutes!
Car Title Loan Amounts & Interest Rates In Mesa
Car title loan companies can offer more significant loan amounts than what’s typical with a payday or installment loan. Expect a funding amount of $1,000 to $20,000 with a car title loan, and as of 2025, the average loan amount in Mesa is $2,000. Registration loans (these are only offered in Arizona and use your vehicle’s registration docs as collateral) come in a bit lower than that, with average funding amounts of $500. Ultimately, your loan amount is based on the vehicle’s value. Cars and trucks with a high resale value and low mileage are ideal collateral for these loans.
The interest rates for title loans are similar to those of other secured loans that require minimal credit checks. Expect an APR of 40% or more, with some companies offering rates between 30-150%. Because of these high rates, you should only apply with a lender willing to lower or renegotiate the rate after several on-time payments. Also, avoid companies that charge pre-payment penalties, as you can prevent a lot of interest charges by paying off the loan in full before it comes due.
When To Consider A Vehicle Title Loan In Mesa
These secured loans are a decent lending option if you have bad or no credit because they don’t require a credit check. That means there won’t be a lengthy underwriting process, and you can expect a pre-approval notification in less than an hour when applying online with Premier Title Loans in Mesa.
Bad credit title loans aren’t for everyone, and you should only consider a title loan if you can’t get approved for a personal loan. There’s always the risk of repossession when you take out a car title loan, but you should have no issues if the payments are made on time.
Another reason that people turn to title loan lenders is the increased funding amount. While personal loans and payday loans are generally capped at around $600 in AZ, there’s a better chance you can borrow well over $1,500 from auto title lenders in Arizona. That’s because your car is backing up the loan, and title loan companies in Mesa are far more willing to offer high loan amounts when they can tap into your vehicle’s equity if you fall behind.
Vehicle Inspection Requirements For Mesa Title Loans
In almost every situation, you must complete a vehicle inspection to finalize your lending contract. The good news is that it doesn’t take much time to inspect your car, and some companies in Mesa can come to meet with you at your business or home. The inspection is generally quick and easy, but it will give the finance company peace of mind that your car is worth the amount they’re lending you. During the inspection, your vehicle will be checked for any mechanical and cosmetic damage, and your lender will confirm the VIN, mileage, and registration info.
One option gaining popularity is when a lender allows you to use video or other pictures instead of a vehicle inspection. A video of your car can be allowed if you cannot meet with the vehicle inspector or if you’re only looking to borrow $1,500 or less. However, the funding terms and amount for any car title loan with no inspection will be lower than expected with a typical secured loan. If you have the car and it runs and is in good shape, you should take it to a licensed ADOT inspection location in Mesa, as it only takes a few minutes and will likely lead to more favorable funding terms.
Apply With A Local Car Title Loan Company In Mesa, Arizona
Applying for title loans from a local lender with a car or truck is quick and easy, and most applicants will get the cash they need if they have a paid off car, truck, or SUV. Premier Title Loans makes it easy to get a title loan in Mesa! Bring in your car or truck for inspection before 2pm, and you can get same day approval with the option to pick up the funds in person right after you sign the loan documents!
If you need cash, consider a 24 hour car title loan from Premier Title Loans. Apply online or call 800-250-6279 to find out how much equity your vehicle has.