Arizona Online Title Loan FAQs

Frequently Asked Questions

Car title loans are a great way to leverage the value of your paid-off car in order to quickly get access to cash, while registration loans can get you the cash you need without having to own your vehicle’s title outright. However, you might have a few questions in mind before getting started. If so, take a look at our most frequently asked questions below or feel free to give us a call.

Online title loans use your vehicle’s lien-free title as collateral for a loan. These loans don’t require a store visit. Our loan representative can assist you with detailed information. An online title loan is designed as a short-term cash flow solution and not designed as a solution for long term financial problems.

All you need is your vehicle, the title, and photo ID. At Southwest Title Loans, we make sure it is simple to get a title loan online. We are committed to providing our customers with unsurpassed customer service. The process is simple:

Have your vehicle and lien-free title ready for when the loan representative comes to you.
Fill out an application while our online title loans representative does a quick vehicle appraisal.
Our loan representative will assist you in qualifying for a loan amount based upon your need, the appraised value of your vehicle, your ability to repay the loan and applicable state law.
Once approved, you will receive the cash you need and keep driving your vehicle. This process can take 30 minutes or less.

Not, you do not need to visit the store when you want title loans online. You fill out the online application and then the loan representative can come to you to appraise your vehicle and assess your items.

Yes. Even though you are applying for an online title loan, we do still have to inspect your vehicle to determine how much you could qualify for.

Of course! Good credit, bad credit, or no credit. For most title loan amounts, any credit is welcome. Southwest Title Loans of Arizona is committed to helping you get the cash you need. We will work with you under different credit situations.

You do not need a driver's license, but you do need a valid photo ID to prove you are of legal age.

No, you do not need a checking account to qualify for online title loans at Southwest Title Loans of Arizona.

At Southwest Title Loans we are committed to keeping all the information you provide confidential. Please see the privacy policy on our website for details.

In Arizona, you must be at least 18 years of age to qualify for title loans online.

Yes, in Arizona you keep your car when you take out an online title loan. The title is used as collateral not the vehicle itself.

Southwest Title Loans doesn’t report to credit bureaus. This includes if you default on the loan.

Yes, we’ve made our process so that you never have to step foot in one of our Arizona store locations if you don’t want to. You can conveniently make your payments on our payment portal.

Yes, you certainly can! When you get the phone call from one of our loan representatives, you can tell them when and where you’d like for them to go, and they will meet you there.

If you’ve never heard of the term “lien-free” before, its simple. A lien-free or clear title is a title that does not have any outstanding liens, financing, or judgments on it. Your title must be lien-free to qualify for an online title loan.

Your online title loans amount depends on the value of your vehicle. The maximum you can obtain in Arizona is $15,000.

The value of your vehicle is based on the value as stated in a nationally recognized pricing guide, and the condition of the vehicle, as determined by a physical inspection.

You can get started by submitting the online title loans application, after which you will be contacted by a friendly Southwest Title Loans loan representative who will explain the application process. Vehicle inspections and final paperwork will be taken in person at a location of your choosing.

From the time we meet you in person, it can take as little as 30 minutes to be approved for a car title loan online.