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How Scottsdale Title Loans Work If You Have Poor Credit

If you have poor credit, then you know how difficult it could be to get a bank loan when you need quick money. But the truth is you shouldn’t let a bad credit score stop you from taking out an emergency loan. Instead, you can get Scottsdale title loans regardless of your credit history — and the process at Southwest Title Loans is easier and faster than you think. The rest of the article will give you the information you need to learn about this loan.

Learn How You Can Get A Title Loan From Us

How Can I Get A Loan If I Have Bad Credit?

Banks usually look at credit scores to determine whether or not you’re a credit risk. If you have a low credit score (maybe because of missing payments, bounced checks, or a high debt on your current credit cards) this can significantly lower your chances of getting a loan. However, we here at Southwest Title Loans won’t automatically turn you away for a title loan if you have poor credit at the moment.

If you can prove you aren’t a minor, provide your vehicle title as collateral for Scottsdale title loans, and your title is free of outstanding liens and in your name, then it doesn’t matter what your credit history is when you come see us. You can have either bad credit or poor credit at the moment, it doesn’t matter because anyone fitting the above description is welcome to come in and find out if they qualify for approval.

woman holding credit report and looking for title loan help

How Do Scottsdale Title Loans Work?

You might be confused about the collateral. You may even think you’ll have to give up the car completely until you pay off the loan, leaving you without reliable transportation. That’s not what happens with Scottsdale title loans. When you take out a loan, we just place a lien on the title until you make the final payment. A lien is just a legal claim that reflects your commitment to pay the loan. You can use the vehicle, you just can’t sell it or use it as security for another loan.

How Much Money Can I Borrow?

If you do qualify for Scottsdale title loans from us at Southwest Title Loans, you can get as much as $15,000. However, your personal loan limit depends on what kind of car or truck you have, and its overall condition (age, mileage, and the presence of any dents or damage that could lower its market value). This means we will have to inspect your vehicle before we can tell you if you qualify for approval and how much we can lend you.

How Do I Know If I Qualify For Title Loans?

When it comes to what you need to qualify for Scottsdale title loans, we keep things simple. As we said, your credit doesn’t play a huge role in whether you are approved or not. Keep in mind that isn’t to say there will never be a situation in which we won’t check your credit, you just don’t have to rely on it as heavily. Instead, consider the following when trying to decide if you qualify for approval at Southwest Title Loans:

  • The vehicle title is in your name. This proves that you’re the owner of the vehicle, and have the legal right to use it as collateral for the loan. If it’s not, you need to have it transferred to you at the DMV.
  • The vehicle title does not have any other liens on it. So, it should not be collateral for another loan, or be involved in a court judgment or any other legal claim.
  • The vehicle title is owned “free and clear”’.  You have already paid off the car loans, so the bank no longer has any claims on the vehicle.

And in case you’re wondering, you don’t need to have a fancy, brand new car to use it for Scottsdale title loans. You can definitely use older cars, though you may not be able to qualify for the higher loan amounts. The way we determine how much we can lend you is based on the condition and resale value of your vehicle. This means you need to make sure that your car – whether old or new – is in good working condition before you come in for the inspection.

person holding empty wallet and thinking about title loan with poor credit

How Do I Apply For Title Loans?

You’ll be happy to know that Southwest Title Loans is easy to work with. Our loan process only takes a short time and a handful of requirements, and you don’t even have to wait in line! You just need to show your vehicle title (make sure it fits the criteria we described earlier), a valid state-issued ID with your photo, and your vehicle for inspection. First, fill out the online inquiry form on our website so you can have a free personal consultation with a loan expert.

They will call you to explain how the loan works and walk you through the requirements and steps. You can ask questions anytime! Next, either go to the nearest Arizona title loan store or ask for a loan representative to meet you at a preferred place. Here at Southwest Title Loans, we’re willing to go the extra mile to make it convenient to get a loan — so if you’re busy at work or need to be at home, we can go to you.

Then you will present your requirements to the loan representative. They will check the title and ID, and do a quick vehicle inspection. You can be done in around 30 minutes, so rest assured that you won’t have to allot a lot of time for this appointment. Finally, the loan representative will inform you if the loan is approved and how much you can borrow. If you agree to the terms, you just have to sign a few final forms. The money is usually released on the same day or the next business day.

Find Scottsdale Title Loans Today!

The next time you are dealing with an emergency, you don’t have to worry about your poor credit getting in the way when you want a loan. Getting Scottsdale title loans from Southwest Title Loans is still possible with poor credit. So don’t struggle with your emergency expenses alone. Come see us today for the loan you need. Just fill out the inquiry form and get connected to a loan representative from our nearest branch.


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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