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Do You Need To Get A Credit Check For An Arizona Car Title Loan?

Getting a credit check might be a concern for some people when getting an Arizona car title loan from Southwest Title Loans – especially if you have poor credit. If that sounds like you, you should know that a credit check can happen when you get a title loan, but that shouldn’t worry you.

Bad credit title loans are open to any individual as long as they meet the loan’s requirements. Keep reading the rest of this article to learn more about the role of credit checks when getting a title loan from us.

Do You Need A Credit Check To Get A Car Title Loan?

A credit check might occur as you go through the process of getting a car title loan from us. However, that’s not something you should worry about because we allow people of all credit situations to come in and see if they can get this loan. Your focus will be better spent on making sure you can meet the requirements instead of worrying about any credit checks. Here’s what you’ll need to focus on when finding out if you can get a title loan:

  • Your age: You must be at least 18 to qualify for a title loan. This means you must have your driver’s license or a state-issued ID to use as proof.
  • Your title: You must have a lien-free car title registered in your name to use as collateral. That means it doesn’t have any outstanding loans or judgments against it, thereby allowing us to place a lien on your title and hold onto it while you repay the loan.
  • Your vehicle: You must be able to bring your car for a quick inspection as part of the process. We use your vehicle’s condition and resale value to determine how much we can lend to you.

credit check for Arizona car title loan

Will It Be A Problem If I Have Bad Credit?

Again, having bad credit is not a problem here. As you saw from the previous section, there are only a few requirements you must meet to allow us to see if you can qualify for an Arizona car title loan here. Having perfect credit isn’t one of those requirements – even if we do need to do a credit check. So, whether you have good or bad credit, you’ll go through the same process as everyone else. Just take the first step of contacting us to get started immediately!

Do Title Loans Get Reported To Credit Agencies?

Another thing that you don’t have to worry about when it comes to getting a title loan is us reporting your loan to the major credit bureaus. You don’t have to worry about getting a title loan or having any defaults reported to credit agencies. This means your loan won’t have any major or direct impact to your credit score. This also means you shouldn’t get this loan if your goal is to improve your credit score quickly.

What’s The Process To Get A Title Loan With Bad Credit?

Now that you know what role your credit can play in your chances of getting an Arizona car title loan, the only thing left to do is to begin the process. This is the only way to find out if you qualify for approval and how much you could get. The process you’ll go through to get a title loan is the same regardless of whether you have good or bad credit. Here’s a transparent view of the entire process, step by step:

  1. Prepare The Required Items: First, you’ll need to prepare the required items. As you saw earlier, they are your identification (driver’s license or state-issued ID) and the lien-free title to your car. You’ll also want to get your car ready for inspection.
  2. Contact Our Representative: Once you’re prepared, get in touch with one of our helpful representatives. You can do that by contacting a store location or submitting the online form with your information. Doing so will ensure one of our representatives calls you back soon. During that call, the representative will make arrangements to meet you in person.
  3. Come To Your Meeting: Bring your car and the required items to your meeting with the representative. This meeting can happen either at the nearest store location or you can have us come to you. They could take a few minutes to verify your paperwork and inspect your car. Then, the representative will refer to a nationally recognized price guide to assess your car’s value.
  4. Complete The Process: Once that’s done, they’ll let you know whether or not you qualify for a title loan and, if so, how much you can borrow. The representative will help you complete the process with some simple paperwork. Once done, you only need to wait for your money. You could get paid as early as the same day of the whole process or by the next business day. Then, you can take that money and cover whatever urgent costs you have.

man looking through car title loan paperwork

Learn What Role Your Credit Plays Right Now

The best time to get started with an Arizona car title loan is right now! As you’ve read, a credit check might occur during the process, but that’s nothing to worry about. We can still let you know if you qualify for approval for bad credit title loans right away.

We here at Southwest Title Loans are never far away, so get in touch by submitting your details through the online form so we can help you get the money you need right now.


Note: The content provided in this article is only for informational purposes, and you should contact your financial advisor about your specific financial situation.

Daniel Dewitt

Daniel Dewitt is a lifetime blogger with a finely-honed ability to break down, analyze, and interpret economic trends for the layman. He's fiercely invested in spreading financial literacy and helping everyday people gain the tools they need for their own economic success.

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