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Unlock Immediate Funds: Your Guide To Title Loans In Mesa, AZ

Part of having good personal finances is saving for emergencies. Whether it's medical bills, veterinary fees, job loss, home repairs, or an unexpected death, knowing you have money set aside for worst-case scenarios can ease the financial burden of stressful occurrences. However, an emergency fund takes a lot of time to build. What happens if a crisis strikes before you've saved enough?

You can take out a title loan from us at Southwest Title Loans to unlock immediate funds today. By borrowing up to $15,000 using the value of your vehicle, you can eliminate the lengthy process often attached to traditional loans and cover the unanticipated costs. Keep reading to learn more about the loan and how we determine how much you can get if you are approved.

How We Determine The Amount You Can Borrow

You may have noticed that we haven't mentioned your credit score. This is because you don’t need perfect credit to find out if you qualify for title loans in Mesa! That doesn’t mean we won’t ever have to check your credit, because that is still a possibility. However, we won’t automatically disqualify you if you have poor credit. As we mentioned before, we use the value of your car to figure out how much you can borrow. To do that, we consider various factors including the following:

1. Make And Model

Arguably, make and model plays the most important role in calculating your car’s value. High-end brands like Lexus, BMW, and Mercedes are more likely to hold their value better than their lower-end counterparts. But this isn't just because of their name. Instead, they maintain their value due to the premium quality, reputation, and features associated with expensive brands. Moreover, models that are in high demand but are limited in supply resell for more than standard vehicles.

2. Age

Newer cars are worth more than older cars as well. Thus, owning a 2023 model will increase your chances of getting a higher loan amount than owning a 2015 model – if you are approved, of course. That said, there is a major exception — vintage and classic cars. Thanks to their cultural value and rarity, these vehicles appreciate over time. For instance, a 1967 Ford Mustang in good condition could fetch a higher value than its original selling price.

lock and money from title loan in Mesa

3. Mileage

Mileage is the primary indicator of how much your car has been used. Lower mileage usually equals less wear and tear; and less wear and tear equals a longer lifespan; a longer lifespan equals a higher value. In contrast, high mileage raises questions about excessive wear and tear, decreasing the trust in its longevity and lowering its value. For your reference, low mileage is under 10,000 miles per year, average mileage is between 10,000 and 12,000 miles, and high mileage is over 12,000 miles. 

4. Condition

As you can imagine, the overall condition of your vehicle greatly impacts its value. But contrary to popular belief, the condition is more than whether it runs smoothly; it's also about its internal health and cosmetic appearance. Everything from dents to malfunctioning electrics to ripped seats to stains can decrease its worth. On the other hand, well-maintained vehicles can fetch a more favorable price.

What Do You Need To Get A Title Loan In Mesa, AZ?

Unlike standard loans, you won't have to worry about hard-to-meet requirements. However, that doesn't mean there aren't any requirements. Naturally, you'll need a few things to get a title loan from us. We’ve just made sure to make the list of required items short and simple for you to remember. In fact, you probably have these items within arm’s reach already! These include the following:

  • Your driver’s license or your state-issued photo ID to prove that you are of legal age.
  • Lien-free car title that is in your name to use as loan collateral.
  • The matching car so that we can inspect it before making any decision.

How Do You Get A Title Loan In Mesa, AZ?

Now that you know that you can unlock immediate funds and fix your personal finances with title loans in Mesa, what now? Well, you can now get through the loan process! The good thing is that we have made the loan process as simple as we can so that you can find out if you qualify quickly. And if you are, you can get the money later on the same day or the next bank business day. Here are the steps you will take to find out if you can get this loan with us:

  1. Fill out the online form on our website to begin the process. Keep in mind this form is not the official application, it just sends your basic information to the nearest store location.
  2. Wait for us to give you a call so we can discuss the requirements, process, and answer questions. We will also set up a meeting either at the nearest store or at another location.
  3. Bring the required items to the agreed meeting place so that we can assess you and inspect your vehicle. Keep in mind that we won’t be able to proceed without these items.
  4. We'll inspect your vehicle to determine how much money we can lend to you. We will also assess your other items to determine if you qualify for approval.
  5. If you are approved, we will have you sign a few forms to confirm you agree with the terms and conditions. Once done, you can drive away in your car and wait for the money!

lock and key with money from Mesa title loan

Get A Title Loan From Southwest Title Loans Right Now!

When emergencies strike, you don’t have to worry because you can protect your personal finances with our help! As you’ve just read, you can unlock immediate funds through title loans in Mesa with us at Southwest Title Loans. And now that this guide has walked you through the loan and the process, all you have to do now is get started so you can get the money you need. So don’t hesitate any longer and fill out the online form now to begin.


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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