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step by step title loan process

The Step-By-Step Process For Getting Title Loans In Tempe

If you’ve never applied for title loans in Tempe from Southwest Title Loans, you might be confused by how the process works. This loan allows you to borrow up to $15,000 using your vehicle’s title as collateral to fund emergencies like vet fees, medical bills, and other unexpected expenses. This means it is important for you to know the steps you’ll take to see if you qualify. Read this guide to learn our process step by step and the things you need to qualify for online title loans. 

Follow These Steps To Get Title Loans In Tempe

Get The Required Items Ready

The good thing about getting title loans in Tempe with us is the process is simple for anyone to get through. We make sure you can get through the process quickly so we can let you know as soon as possible if you qualify for approval. In fact, the process should last a minimum of 30 minutes – and by the end, you’ll know for sure if you qualify. All you have to do is have these required items for title loans ready to go:

  • Identification — We use your identity to confirm you are who you say you are and that you're over the age of 18 years, since minors can’t get a loan. You can use either your driver’s license or your state-issued photo ID as proof of your identity.
  • Lien-free title — To secure your title loan, we place a lien on your title. So, it must be lien-free initially to ensure we can do that. If your title currently has a lien on it, you can apply for a title loan once you have paid it off and the lien is removed. 
  • Vehicle — While we aren’t using your vehicle as collateral, we do still have to inspect it before we can tell you if you are approved or not. This inspection allows us to determine your vehicle’s condition because that allows us to see how much we can lend you.

title loan Tempe process

Make Sure Your Vehicle Is Ready For Inspection

As you have probably realized by now, you don't need a good credit score to get title loans in Tempe. Instead, as we said above, we use your vehicle's value and condition to establish the amount of money you can qualify for if you are approved. Thus, the more your vehicle is worth, the more cash you can get to cover emergencies. If you want to estimate how much you could borrow before applying, consider the following factors:

  • Vehicle's age — Cars are depreciating assets. In other words, they decrease in value as time goes on. So, older cars aren't worth as much as newer models. Although, there are exceptions. For instance, classic vehicles tend to be on the pricier side.
  • Vehicle's make and model — Higher-end vehicles come with costlier price tags. Owning a luxury car from Tesla, Lexus, or BMW, for example, will give you a better chance at qualifying for the larger loan amounts. 
  • Vehicle's mileage — We consider the car's odometer reading with its age. On average, people drive their vehicles between 10,000 and 12,000 miles per year. If your car is two years old with 24,000 miles on the clock, its mileage is average.
  • Vehicle's condition — We consider the car's outward appearance and mechanical condition when assessing its value. Taking care of your vehicle is vital if you want it to retain its worth as much as possible.
  • Vehicle modifications — While spoilers, custom paint jobs, and decals may look great in your opinion, others will likely fail to see the same value in them. Therefore, they may decrease the overall worth of your car. 

Fill Out The Online Form To Get Started

Once you are happy that you have the requirements to find out if you qualify, you can begin the process for title loans in Tempe. First, you’ll need to complete the online form on our website. We will call you to confirm your request and check you have the items needed for the inspection. We'll also set up a location for your vehicle inspection. This can either be at the nearest store or at another location – if you’d rather not come into the store.

Come For The Vehicle Inspection

Regardless of where you meet us, make sure you're there on time with the items discussed earlier in this article. We will assess your vehicle to establish the amount of money you can borrow and assess the other items we require. This allows us to determine if you qualify for approval and for how much we can lend you for title loans in Tempe. This in-person part of the process shouldn’t last too long so you can find out your chances as soon as possible.

Find Out If You Qualify For Approval 

As we said, once we are done assessing your items and inspecting your vehicle, we will tell you if you are approved. If you are, we will then help you complete the paperwork. This means we will also go over our loan terms so you understand how everything works. This is also a great time for you to ask any last-minute questions you may have. Once you are done with the paperwork, you can get the money you need later that day or the next bank business day.

SWTL process for title loans

Get Online Title Loans From Us Right Now!

As you can see, getting online title loans in Tempe is straightforward with our friendly and knowledgeable loan representatives at Southwest Title Loans. With this guide, we want to make sure you know what to expect when you begin your process. We want to make sure you get through it with ease. So, if you need money to fund your emergency, complete our online form to kickstart the process!


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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