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title loan in az

The Reason Why People Want Title Loans In AZ

Arizonans had a really rough year. Gas prices went up by over 40%, and everything from food to clothes to rent had double-digit increases. Phoenix even held the dubious honor of having “the worst inflation rate in America”.

 While experts say that the worst is over and the economy will get better, Arizonans still have to figure out a way to get through each day and deal with sudden financial emergencies.  For many of them, title loans in AZ have been their safety net.

What Are Title Loans?

Title loans are secured loans that use the vehicle title as security or collateral. Depending on your vehicle’s market value, you can borrow up to $15,000—enough to cover urgent emergency expenses like medical bills, car and house repairs, or a backlog in rent and utilities.


What Are The Benefits Of Getting Title Loans In AZ?

People are turning to title loans in AZ because it’s easier, faster, and more convenient than other kinds of loans.

1. No Minimum Credit Score

 Many banks turn away anyone whose credit score is lower than 610. Others will consider you for a loan, but only if you ask someone to co-sign it, or present other documents like bank statements or employment history.

However, you can get title loans in AZ even if you have bad credit or no credit history. You just need to be the registered owner of a car or truck with a lien-free title.

2. No Red Tape

Usually, getting a loan requires a lot of paperwork. You have to fill in a lot of forms, submit a lot of documents, and then wait for days or weeks to get approval. It’s tedious and time-consuming. You have to make several trips to the bank and waste a good portion of your day just waiting in line.

In contrast, title loans in AZ have just three requirements: a lien-free title, a valid government-issued ID with a photo like a driver’s license or passport, and a vehicle inspection. You don’t have to run around town gathering documents and having them notarized—saving you a lot of time and stress.

3. Easy Application

Southwest Title Loans makes it even easier and faster to get title loans in AZ, through a process designed to minimize waiting time and delays.

To inquire, all you have to do is fill out the short, online loan inquiry form and one of our loan representatives will personally call you to explain the loan, answer your questions, and set an appointment for you at the nearest branch. You can even ask someone to meet you at your preferred time and place—we can go to you!

When you’re ready to apply, you just have to show your ID card, the vehicle title, and the vehicle for inspection. The loan representative will review these and then determine the loan amount you qualify for. This step can take as little as 30 minutes!

4. Fast Payout

In many financial emergencies, you need to get the money as soon as possible. It is frustrating to have to go through a long loan application process, only to hear that it will take some time for the money to be released.

Southwest Title Loans understands your situation. Right after we see your documents and conduct the vehicle inspection, we make a decision right away. If your loan is approved, we release the money either on the same day or the next business day.

So, if you’re in a situation where you have to raise emergency money as fast as possible, Southwest Title Loans can help.

title loans in az woman

Do I Qualify For Title Loans In AZ?

The main requirement for title loans is to have a lien-free vehicle title. A lien is a legal claim to a property, and under law, no title or deed can have multiple liens at the same time.

Usually, a lien is placed when you use property as collateral for a loan, or if the property is involved is a court dispute. If you took out a car loan, the bank also places a lien until you’ve fully paid it off.

If your title is lien-free, then you just have to prove that you’re the legal owner. This step is easy: just show the title and a government ID, and if it’s a match you’re good to go.

If the title is registered under somebody else, or if there is a clerical error and there’s a variation in the name, then just go to the DMV to have it corrected.

How Much Can I Borrow With Title Loans In AZ?

Your maximum loan amount is based on your vehicle’s market value, which is calculated according to industry standards based on its model, age, mileage, and condition. You will find out how much you qualify for during the vehicle inspection.

Find Out More About Title Loans In AZ

Are you interested in getting a title loan in AZ, or do you have questions about how it works and whether it’s right for you? We can personally assist you. Just fill out the form and one of our loan representatives will call you back shortly!  

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

Louis Tully

Louis Tully is a full-time finance writer offering financial expertise to everyday consumers. He understands the core values of finance and used his writing talents to share his own experiences with money to his readers. His articles teach how financial failures can easily become successes by making new habits and creating realistic goals.

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