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title loan qualifications

What Type Of Vehicles Can Get Title Loans In Phoenix, AZ?

Title loans in Phoenix are an option for those that wish to borrow money quickly to cover emergency expenses. However, it is worth noting that not every single vehicle is going to qualify for a title loan. Here is what you need to know about our vehicle qualifications and the title loan process at Southwest Title Loans.

What Are Title Loans In Phoenix?

Title loans are a type of secured loan that requires you to put up your vehicle’s title as collateral. When you take out a title loan, we will determine how much you could get based on your vehicle. This means that your vehicle’s condition and resale value is important to us.

Southwest Title Loans can provide title loans in Phoenix of up to $15,000. This money can – and should – be used to help you out during an emergency you cannot handle alone. Title loans are an option for those that need quick cash. For example, they can be used to ensure that your bill payments are not late, to cover emergency repairs, or to slow down the eviction process.

When you take out a title loan, you won't need to hand your vehicle over to Southwest Title Loans. We take possession of your vehicle's title. This means that you can continue to drive your vehicle for the duration of the loan. Just make sure you are making your loan repayments on time and there should be no issues.

Qualifying Vehicle Types

Now that you know what a title loan is, you need to know what vehicles qualify. Again, when it comes to title loans, not all vehicles qualify. Vehicles like motorcycles or RVs do not qualify, for example. Title loans in Phoenix can only be offered to the following vehicles:

  • Cars;
  • Trucks;
  • Vans.

The vehicle must also be in your name and fully paid off in order for you to qualify. If it isn’t in your name or fully paid off, you must get that fixed at your local DMV before you go to our website and begin the process.

The Requirements For Obtaining A Title Loan

Once you have the vehicle ready to go, there are a few other requirements you must meet. Here at Southwest Title Loans, we have a short list of requirements. Don’t worry, this list is simple to understand and comply with. Here are our requirements:

  • You must have a lien-free title to your vehicle;
  • You must be at least 18 years old or older to apply;
  • You must have a driver's license or other state-issued photo ID;

There are no employment requirements for Arizona title loans. You should have some sort of income, though. After all, you will need some way in which you can pay the loan back.

We can consider people no matter their credit history. So, don't worry about getting in touch with us if you have bad or no credit. You may still be considered for a title loan. We also will not report your title loan to credit agencies. So, you should not be using one of these loans as a way to build credit.


vehicle title loans qualify


What Is A Lien-Free Vehicle Title?

One of the most important things to consider is whether your vehicle has a lien-free title. This means that your title is free of any outstanding liens or judgments on it.

This means that if you are paying your vehicle through financing, then the financing will need to have been completely paid off. Again, you must have full ownership of your vehicle. If you do not have full ownership of your vehicle, then you will not be able to qualify for a title loan through Southwest Title Loans.

We will check your title during our checks to determine whether you are eligible for a loan. Keep in mind that if your name appears with another name, you can still qualify for approval. If there is an “and” between the names, both of you need to sign off on the loan. If there is an “or” between the names, either one of you can sign off.

The Process To Get Title Loans In Phoenix

Starting the process for a title loan from Southwest Title Loans is easy and fast. The process begins by filling in a short inquiry form on our website. You will need to give us a few basic details.

Once you have filled in that inquiry form, a member of our team will get in touch. They will discuss your inquiry with you. They will also collect a few other pieces of information to help both you and us to determine whether you may qualify for a title loan.

When we are done with the call you will need to come to one of our car title loan places in Phoenix, Arizona. You will need to bring along your license, title, and your vehicle for inspection. Again, the inspection will allow us to determine how much we may be able to lend you. We will also check through the documents that you were asked to bring along.

If everything is in order and we decide you qualify, then you may be able to receive money the same day or the next bank business day at the latest.

Inquire About Title Loans In Phoenix Today

Do you have a lien-free title to a vehicle? Do you need to borrow money quickly to cover emergency expenses? Title loans in Phoenix could be an option for you to consider. Fill in the inquiry form today to start 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.

Emma Frost

Emma Frost is a lifestyle and finance blogger with a talent for communication and a passion for financial literacy. She uses her writing talents to explore topics that help her readers gain financial stability and growth.

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