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need to know about title loans online

Everything You Need To Know About Title Loans Online

You’ve been looking into title loans online and now you’ve found the crash course in all things title loans. We’re covering all there is to know about these short-term loans, including who, what, when, where, and why. That refers to; WHO qualifies, WHAT title loans include, WHEN your cash arrives, WHERE you have to go, and HOW to begin the process today!

In a few minutes, you’re going to go from being a title loan novice to a title loan pro. If you're facing a financial emergency, keep reading to find the urgent money you need to meet life's challenges.

What Are Title Loans? Here’s The Bottom Line

Title loans online are short-term loans that will lend you anywhere up to $15,000 using your paid-off, lien-free car title as collateral. Putting your vehicle title up as collateral means you promise to repay the loan on time and, if you don’t, you offer your car as payment to the lender.

Planning on paying back the loan as promised? Then you’ll keep your car and use it as usual – even during the life of the loan!

The length of title loans depends on a few factors, including the total amount of the loan and your financial needs. The loan amount is determined by the value of your vehicle. If your car is only worth $5,000, for example, you’d only qualify for a loan up to that amount.

Title loans are not for frivolous spending or irresponsible financial use. They were created for those who have limited financial resources, no savings, and nowhere to turn during a financial crisis. If you’ve been hit with an urgent bill that appeared out of left field, consider title loans online and you could potentially get your cash loan within 24 hours to cover the cost.

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Who Can Qualify And How?

Qualifying for title loans online is simpler and more convenient than qualifying for almost any other type of loan. You only need three items to qualify: your I.D., your car’s title, and to present your car for a brief inspection. After the inspection, you will keep your car as usual.

Your I.D. should be from the same state where you’re applying for your loan. It should be valid (not expired) and reflect your current legal name and residence.

Your car’s title needs to be lien-free. Every car title has a section that lists lienholders. The lienholder is someone or a company that has legal access to your vehicle under certain conditions.

For example, if you owe car payments, the lender will be a lienholder on your title until you pay off the car. If you put up your vehicle title as collateral, the loan lender will be the lienholder, and so forth.

Finally, the car should be under your name and in your possession at the time you apply.

If you check off these three items, you qualify for a title loan. You can now move on to the title loans process.

Where Can You Get A Title Loan?

Title loans online are available through Southwest Title Loans. You can complete the process completely from home. Although it begins online, there will be a short phone call and in-person component. The silver lining is that both of these can be done from your home, so you never have to come to one of our offices unless you want to.

Alternatively, many borrowers choose to stop in at one of our several Arizona locations to get to know our staff and enjoy the brick-and-mortar experience. In this case, Arizona residents can start by filling out our online inquiry form, but they can finish it in an office in:

  • Tempe
  • Glendale
  • Phoenix
  • Avondale
  • Mesa
  • Or San Tan Valley

How Can You Get Started?

There are two ways to get title loans in AZ. The easiest way is to access them online by clicking the “Get Started” button on our homepage. This will take you to fill out a quick form, after which you’ll be called by one of our representatives.

The second way to apply is to call us directly at 623-266-9163. Follow the prompts and wait to be connected to a representative in your neighborhood.

On the phone, the rep will discuss your documents and vehicle, ask about your financial need, and respond to your questions. They’ll then arrange a time and place to meet you for the inspection. This in-person meeting can take less than half an hour, and the inspection only takes a few minutes. They will analyze your car’s condition, mileage, year, make, model, and the like.


When Will You Get Your Money?

If you’re approved after the inspection, you’ll get your cash that same night or the next day.

Knowledge Is Power – Now It’s Time To Act

Do you have limited cash and a bill that needs to be taken care of ASAP? If so, your lien-free car, van, or truck could be the answer.

You’ve learned all you can about title loans online, now it’s time to act. Get the title loans process started through Southwest Title Loans today to get up to $15k in cash as soon as tonight. Call us or apply on our homepage now – your bill won’t wait, so why would you?

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

Mason Roberts

Mason Roberts is a seasoned economics writer and blogger with a knack for breaking down and simply communicating the ever-changing world of finance. He is philosophically committed to the premise that financial knowledge equals financial freedom.

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