Title Loans in Arizona

How to Get an Auto Title Loan in Arizona

As a result of its fast growing population in the last few years, Arizona can be one of the more expensive places to live in, causing some Arizonans to need a fast loan to cover unexpected expenses or bills. For Arizona borrowers with less-than-perfect credit, that’s where Arizona title loans could be one of the options to consider.¹ While car title loans are not available in every state, they are legal in Arizona and are a popular way for borrowers to access quick funds.^{1 3} Here’s how to get a title-secured loan in the Grand Canyon State:

• Research loan options available in your city
• Apply online, over the phone or at a title loan store
• Upon approval, provide the required documents, including your Arizona-issued vehicle title¹
• Sign your title loan agreement
• Receive your funds

With LoanMart-serviced loans, the process is designed to offer a convenient online experience. There’s no need to drive to a loan store – you can apply online, submit your documents online, and even sign your loan agreement electronically!

in Arizona, title loans are generally installment loans, which means that you will repay your loan in monthly installments over a set period of time. Before you sign your title loan contract, make sure you can comfortably fit the loan payment in your current monthly budget.

What Are the Title Loan Requirements in Arizona?

In order to borrow against the value of your vehicle through an Arizona title loan, you’ll need to meet the lenders’ loan requirements. While these vary somewhat from one lender to the next, you can generally expect having to meet the following:¹

• Be an Arizona resident and at least 18 years old so you can legally apply
• Own a vehicle with sufficient value and an Arizona MVD issued title
• Have sufficient income to afford to make monthly payments

Of course, you must also be willing to pledge your vehicle’s title as collateral for the loan. Once the loan is funded, the title lender will add their lien to your car’s title, but you will be able to access your vehicle during the repayment period. The lien is removed from your title after your loan is paid in full.

Why Arizona Residents Choose Auto Title Loans

With a growing and diverse economy, living in Arizona offers many benefits. From healthcare, education, technology, to construction, aerospace and agriculture, work and income opportunities vary greatly by region and also by season. High economic growth has also translated to some inequality and a higher cost of living in many Arizona cities. As a result, some Arizonans are sometimes short on funds when having to deal with an unexpected bill.

Some of the common reasons that Arizona borrowers turn to car title loans include:

• Urgent vehicle repairs: it’s essential to keep commuter cars in running conditions, especially for the long commutes across the sprawling Phoenix metro area
• Smoothing income fluctuations: especially workers in Arizona’s hospitality, tourism and agricultural sectors face income changes from peak season to low season, which can result in a temporary budget gap
• Seasonal peaks of day-to-day expenses: while Arizona’s hot summers are predictable, not everyone is easily able to handle the higher utility bill that comes with them
• Housing: temporarily managing the increasing costs of rent or a security deposit in Arizona cities where rents have recently increased by double digits
• Rural borrowing: in some of Arizona’s rural communities, traditional financial options such as branch-based loans are limited

No matter which of these reasons applies to you, completing an online title loan application for a LoanMart-serviced loan is just a few clicks away.¹

How Much Can You Borrow With Your Car Title In Arizona?

The applicable title loan laws do not impose a maximum dollar amount that you can borrow with your Arizona car title. Therefore, the maximum title loan amount that you may qualify for is primarily a function of your vehicle’s value and your income.¹ Depending on these two factors, you can potentially access up to 50% of your car’s total value through a title loan in Arizona, up to $15,000.¹ On average, Arizona car title loan borrowers serviced by LoanMart qualify for around $4,942.¹

If you want to figure out the current value of your vehicle, you can visit online car valuation websites like Kelley Blue Book, NADA, or Edmunds and look at the live prices of similar models online. Or, use LoanMart’s title loan calculator to learn more about the value of your vehicle and get a loan quote with no obligation today!¹ 

Arizona Cities, Regions and Area We Service

If you’re looking for quick cash with your car title in Arizona, finding a loan option that’s available in your area is usually the first step. LoanMart-serviced loans are available throughout the Grand Canyon State, thanks to being designed as an online loan option.

Many of the Arizona borrowers we service reside in the major Arizona hubs, including:

• Phoenix – Arizona’s largest city and the economic center
• Tucson – the second-largest city of the Grand Canyon State, and main city of southern AZ
• Mesa – the East Valley’s largest city and one of the most populous cities of the state
• Chandler – the East Valley’s technology hub
• Gilbert – Fast-growing East Valley suburb
• Glendale – West Valley city and home to the Luke Air Force Base
• Scottsdale – an East Valley city primarily known for tourism
• Peoria – a major Northwest Valley city, adjacent to Phoenix
• Tempe – home to Arizona State University‘s main campus
• Flagstaff – Northern Arizona’s largest city and home to Northern Arizona University

Besides the above major cities and metro areas, many applicants in the following Arizona regions and cities have found and trusted us with their fast cash needs:

• Greater Phoenix Metro: Apache Junction, Queen Creek, Avondale, Buckeye and Surprise
• Pinal County: Casa Grande, Maricopa and beyond
• Northern Arizona: applicants from Bullhead City, Kingman, Lake Havasu City, Prescott, Prescott Valley, Payson, and Show Low
• Southern Arizona: borrowers in Douglas, Nogales, Sierra Vista and Yuma

No matter which of the above cities or regions you call home, borrowing with your car title can be fast an easy with a LoanMart-serviced online title loan in Arizona. Apply today!

What Documents Are Required After Approval for an Arizona Auto Title Loan?

Upon initial approval for an Arizona auto title loan serviced by LoanMart, you will be asked to provide the following documents:¹

• A Valid, Government-Issued Photo ID (a driver’s license, passport, permanent resident card, etc.)
• Proof of Income (Pay stubs, bank statements, disability award letters, etc.)
• Proof of Current Address in Arizona (Recent utility bills, mortgage statements, lease agreements, etc.)
• An AZ Car or Truck Title (Must be in your name at the time of your application.)

Getting title loans with no inspection in Arizona is impossible, but you can conveniently submit a few photos of your vehicle during your loan application to complete a virtual inspection without having to visit a store. You will need to take pictures of the following items in order to complete an online car inspection:

• Your Car’s Odometer Reading (Usually Located on Your Dashboard)
• The Back, Front, and Sides of Your Car
• The Vehicle Identification Number (VIN)

Since you aren’t required to visit a storefront location to apply for a title loan, the photos of your car and your documents can be uploaded online during your application or sent to a LoanMart title loan agent via email or text message! Call 855-422-7412 if you have any questions about applying for title loans in Arizona.¹

Can I Get Title Loans with No Credit Check in Arizona?

Although getting title loans in Arizona with bad credit is possible, a credit check is an important part of a title loan application. A credit check provides a title lender with valuable insight into a prospective borrower’s financial habits, so it will be difficult to find title loans with no credit check in Arizona.

Realistically, a bad credit score does not develop overnight. Missed or late payments on your credit report, bankruptcy, and excessive debt will negatively impact your credit score over time. Nonetheless, having a bad credit score does not mean that you need to avoid a loan option that requires a credit check.

You may not be confident with your credit history, but applying for a title loan with a poor credit score is possible! Call 855-422-7412 to speak to a LoanMart title loan agent and learn more about applying for title loans with bad credit in Arizona.¹

Where Can I Get Instant Online Title Loans in Arizona?

It may not be possible to get instant online title loans in Arizona, but you can conveniently apply for a title loan serviced by LoanMart online or over the phone today!¹

Here’s a quick overview of the application process for title loans in Arizona:

Choose How to Apply
You can fill out this prequalification form online or call 855-422-7412 to speak with a LoanMart title loan agent. Whether you choose to apply online or over the phone, it takes just a few minutes to find out if you are pre-approved for a title loan in Arizona!¹

Upload a Few Documents to Verify Your Information
In order to verify your identity, address, income, and other details, you will have to upload a few documents online during your loan application. If it is more convenient, you can send these documents via email or text message to a LoanMart title loan agent.

Get Your Money!¹
If you are eligible for a car title loan serviced by LoanMart in Arizona, you can choose between one of the following ways to get your title loan funding:¹

• Direct Deposit
• Receive a Check in the Mail
• Pick Up Your Cash at a Participating Money Transfer Location Near You in Arizona

Qualified borrowers in Arizona can access their loan proceeds in as little as 24 hours!³

Payment Options for Arizona Borrowers Serviced by LoanMart

Arizona title loan borrowers have several convenient payment options with LoanMart-serviced loans. They include both electronic ways to make a payment through the customer portal or the LoanMart mobile application. Customers who prefer to make payments in cash can do so at participating money transfer stores in Arizona, without having to travel too far.¹ No matter where you are in Arizona, chances are that there will be a MoneyGram location or other participating money service business near where you live or along your daily commute.

Not sure where the closest MoneyGram location is to you? Check out the map below which features MoneyGram locations throughout the state of Arizona:

Title Loan Borrowing Statistics in Arizona for Loans Serviced by LoanMart

The following data for Arizona borrowers serviced by LoanMart is meant to help you understand what others have qualified for in your state, so you can better decide if a title loan could be right for you:¹

What Places in Arizona Can I Get a Title Loan Serviced By LoanMart?