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unemployed arizona title loan

Do I Need A Job To Get An Arizona Title Loan?

For someone living paycheck to paycheck, being hit by unexpected expenses can be hard. Especially if the expenses in question need to be covered in a very short amount of time; think of medical emergencies, urgent auto or house repairs, or even overdue bills as examples.

It can be even harder to cover them if there’s no paycheck to speak about. In that case, you might want to look into the option of getting an Arizona title loan when you can’t handle the emergency alone. Here is why you should consider us when you are unemployed.

Can I Really Get An Arizona Title Loan While Unemployed?

You are not required to show proof of employment at Southwest Title Loans. This is a huge part of what makes title loans an option to remember when you need emergency help.

Title loans are secured loans and they use your vehicle’s title as collateral. This means you do not have to show proof that you are employed before getting the loan – like you would with other kinds of loans.

You can have irregular income, be just starting a new job, or be in the process of looking for a new one – you’ll be eligible just the same. Just make sure to talk to us for more information on what we accept when it comes to repaying the loan.

How Do I Qualify For An Arizona Title Loan?

When talking about an Arizona title loan, you must remember that it was designed for a specific group. Namely car owners of legal age. This means you must be over 18 and outright own your car to qualify. Plus, your title must be free of outstanding liens or judgments. If it isn’t, you’ll have to handle that before applying for a title loan.

There are also required items we need to proceed. Here’s what you’ll need to qualify for a title loan at Southwest Title Loans Inc.:

  • A driver’s license or valid state-issued photo ID to prove your identity and age;
  • Your car’s lien-free title in your name to be used as collateral for the loan;
  • Your car for inspection to help us determine the maximum loan amount you qualify for.

Can I Qualify For An Arizona Title Loan With Poor Credit?

The good thing is you can still qualify for an Arizona title loan regardless of your credit situation.

Southwest Title Loans, Inc. welcomes all types of credit. So whether you have good, bad, or outright nonexistent credit, you can still easily qualify for a title loan as long as you can provide all the aforementioned mandatory items.

Another bonus is an Arizona title loan won’t be able to influence your credit history in any way – positively or negatively.

This is due to a simple rule – for a loan to influence credit history, it must be reported to a credit bureau first. Southwest Title Loans, Inc. doesn’t report to any credit bureaus, keeping the loan information strictly private.

When you apply for a loan at Southwest Title Loans, Inc. you can rest assured the information will remain completely between you and your loan representative.


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Will You Keep My Car If I Apply For An Arizona Title Loan?

Another positive is Southwest Title Loans, Inc. doesn’t take the borrower’s car for the duration of the title loan. It’s the car title that will stay with us to act as collateral. The car will stay with you and you’re free to drive it around the same as before while calmly paying off your loan.

How To Get An Arizona Title Loan

The first and most difficult step – which is not difficult at all – is to make sure you’ve got all the required items ready to go – which are, again, a state-issued ID or driver’s license that’s currently valid, a lien-free car title in your name, and the car itself.

After that, you’ll only need a few minutes of your time to start the process online, without having to spend extra time on a store visit.

Just submit a filled-out online form that you’ll find on the website and wait for a little for it to get processed. Your information will be sent to your nearest title loan location, and one of our loan representatives will contact you with further instructions.

Take the required items to the meeting they’ll set up for you. The loan representative will assess the items and decide if you qualify for the loan. If you do, they’ll collect additional information, help you finish the paperwork, and approve you for the cash.

Get An Arizona Title Loan Even If You Are Unemployed

If you have emergency expenses that you cannot handle alone, don’t let unemployment stand in your way. You can still qualify for an Arizona title loan even if you are unemployed. Apply now and you could get up to $15,000 in less than an hour! Fill out the online form to get started.

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

June Mckaig

June Mckaig writes articles on finance and budgeting, hoping to provide insight amidst the overwhelming crowds of information on the internet. She feels that with all this accessibility comes a lot of false data, and she would like to contribute astute, helpful input that she knows can help others. If you would like to learn more about June's research, read more here.

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