Arizona auto title loans |
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Arizona auto title loans

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State regulations, what you’ll need to apply, where you can find reputable lenders and more.

Life can be expensive, especially when you’re hit with a bill you didn’t expect or have to pay for something you didn’t budget for. Title loans are generally cheaper than payday loans, offer more money and are regulated by Arizona law. This doesn’t mean they come cheap, but they can be a useful tool when you’re out of options.

We break down where you can find reputable lenders, the laws in place to protect your money and what you’ll need to secure an auto title loan in Arizona.

LoanMart Car Title Loans

LoanMart Auto Title Loans

A LoanMart auto title loan allows you to borrow money against your car, even if you have bad credit and no bank account.

  • Must have verifiable income.
  • Must live in AL, AZ, IL, MO, NM, SC or UT
  • Min. Loan Amount: $1,000
  • Max. Loan Amount: $50,000
  • Loan Term: 1 to 5 years
  • Turnaround Time: 1 business day

    Compare your auto title loan options in Arizona

    Rates last updated February 17th, 2019
    Unfortunately, none of the short term loan providers currently offer loans in your state. Learn more about short term loans in your state to find an alternative.
    Name Product Product Description Max. Loan Amount Turnaround Time Requirements
    Max Cash Title Loans
    With a quick online application, Max Cash could help connect you with a lender, finding you options in minutes.
    As little as 1 business day
    Must be a US citizen or permanent resident, 18 or older with a regular source of income. Car Title Loans
    Quickly find a lender and potentially borrow up to $10,000 by using this auto title loan connection service.
    Varies by lender
    Have a regular source of income, not be involved in any bankruptcy proceedings, be a US citizen or permanent residence, be at least 18 years old (varies by state).
    LoanMart Car Title Loans
    A LoanMart auto title loan allows you to borrow money against your car, even if you have bad credit.
    1 business day
    Must live in AL, AZ, IL, MO, NM, SC or UT. Must have verifiable income, car value of at least $1,500 and a vehicle that is paid-off or close to being paid-off.
    Finova Financial Auto Equity Loans
    Short-term loans secured by your car title. Repayments accepted through MoneyGram if you don't have a bank account.
    as little as one business day
    Must live in AZ, CA, FL, NM, SC or TN. Must own your car outright, have a valid car insurance policy and be a US citizen or permanent resident.
    TitleMax Auto Title Loans
    Auto title loans on cars and motorcycles to people in 16 states across the US.
    as little as 30 minutes
    Must have a lien-free vehicle title, government-issued ID, and be age of majority in your state.

    Compare up to 4 providers

    Where can I get an auto title loan in Arizona?

    Title loan shops are scattered across Arizona. In general, it’s going to be easier to compare your options if you live in one of the larger cities like Tucson or Phoenix, but that doesn’t mean you don’t have options if you live in a small town. Title loans are a growing business because of the need for short-term lending, so you’ll likely be able to find a physical title loan store wherever you live in Arizona. You can also find title loans online, which lets you compare lots of lenders without leaving your home.

    Arizona auto title loan locations

    Online auto title loans in Arizona

    While online title loans are available in Arizona, the process usually isn’t completely online. This is because many lenders want to inspect your vehicle before approving you for a loan.

    Every lender has a unique application, but you can expect similar steps no matter where you go. The process usually goes something like this:

    1. Select a lender that suits you.
    2. Visit the provider’s site.
    3. Fill out your initial application.
    4. Confirm your car inspection with your lender.
    5. Visit a storefront to complete your application.

    You won’t always have to visit a lender, but if a provider is offering an inspection-free process, be wary. Make sure the rates you’re given match the laws of Arizona and that the lender is reputable before you complete your application.

    What are the auto title loan laws in Arizona?

    Arizona state law regulates the interest rates title loan lenders are allowed to charge. The maximum monthly interest rate for your loan is calculated based on the amount you borrow:

    • $500 or less: The cap is 17%
    • $501 to $2,500: The cap is 15%
    • $2,501 to $5,000: The cap is 13%
    • $5,001 or more: The cap is 10%

    There isn’t a maximum or minimum loan term. Your lender will likely set a term based on your pay schedule, with most loans lasting between 30 and 60 days.

    When you receive your loan contract, read it carefully. Your lender should list your name, your lender’s name and a description of the vehicle. It should also include the monthly or annual financing rate, which should comply with the interest rates listed above.

    If you’re unable to fully repay your loan plus interest by the end of your term, you can contact your lender and request an extension. Many lenders allow this, provided you’re able to pay the interest, but be cautious — this can lead to owing much more than you borrow.

    Arizona law doesn’t require that the lender hold the physical title during the loan, but it may request this as a provision of the loan. You’ll still be able to drive your car while you pay off the loan, however if you default, you risk having your car repossessed and sold.

    Requirements for auto title loans in Arizona

    Unlike some states, Arizona doesn’t have stringent regulations on who can or cannot borrow a title loan. Instead, these details are left up to the specific lender and will vary based on the company you choose. However, you’ll still need to meet three basic criteria:

    • Possess a lien-free car title
    • Be at least 18 years old
    • Have a valid government-issued ID

    Your lender may also require you to have proof of insurance or a vehicle worth a minimum amount to qualify for a loan. While a lien-free car title is required, you don’t have to have the physical copy unless your lender specifically requests it.

    Bottom line

    Provided you know the laws that protect you and have a solid plan to repay your loan on time, title loans can be a tool when you’re struggling to make ends meet. These are short-term forms of credit and shouldn’t be used to solve frequent financial issues. If you’re ready to take out a title loan, you can start comparing your options.

    Frequently asked questions

    Image source: Shutterstock

    Kellye Guinan

    Kellye Guinan is a writer and editor with and has years of experience in academic writing and research. Between her passion for books and her love of language, she works on creating stories and volunteering her time on worthy causes. She lives in the woods and likes to find new bug friends in between reading just a little too much nonfiction.

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