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  • No Credit Check Title Loan

    AZ Auto Title Loans can get you money in less than 30 minutes with a title loan. If you have bad credit it’s not a problem, as the value of your car, not your credit, qualifies you for our title loans.
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  • Best Title Loan Rates in Arizona

    We are one of the leading title loan lenders in Arizona and because of this we have some of the most competitive rates and can get almost every application accepted.
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We Want to Loan You Money Today

AZ Auto Title Loans is a title loan company, with thousands of satisfied Arizona customers. Because we are not a bank we do not have all of the regulatory challenges that banks have in issuing personal or bad credit loans. We are a lot more flexible than a bank, if you have a clear Arizona car title we can get you a title loan today.

Our title loan application process is quick and easy. Our friendly team is available to answer any questions you may have and can walk you through the car title loan process.

Our car title loans offer better rates and the ability to loan larger dollar amounts than either payday or personal loans. We are flexible in our auto title loan terms and always look to make the maximum amount of cash available to you. The money comes with no strings, you can spend it however you want, our commitment is to get you a same day cash loan in the quickest amount of time. So call us at 623-748-1585 or fill out our easy online application and let us start helping you get back on top with a title loan cash today.

Before Applying for an Auto Title Loan from AZ Auto Title Loans, Please Read this Notice:

Notice to Consumers: An auto title loan is a type of secured loan where the borrower can use their clear vehicle title as collateral. [1] Borrowers who get an auto title loan must allow us as the lender to place a lien on their car title, and temporarily surrender the hard copy of their vehicle title, in exchange for a loan amount. [2] The borrower will be required to sign a loan agreement that tells you the amount you have requested to borrow, the annual percentage rate (APR) for that loan, the amount of interest and fees that may be charged for that loan and the payment terms of the loan. [3] When the loan is repaid, the lien is removed and the car title is returned to the borrower. Auto title loans are intended for short-term financial relief and do not constitute long-term financial solutions. An auto title loan may be one of the more expensive borrowing options available to you. Consumers facing debt and credit difficulties should seek out debt and credit advisory help. Consumers are encouraged to consult the federal, state, and local governments to learn more about the risks involved with auto title loans, local laws and regulations governing auto title loans, possible loan alternatives and recent developments in their state. Consumers with credit difficulties should seek credit counseling.

Loan Rates
Loan Amount:
$0 - $500
$501 - $2500
$2501 - $5000
$5001 and up
APR
204%
180%
156%
120%
Financial Implications

Our auto title loans are 30 day interest only loans. If you are unable to repay your loan in a timely manner we may pursue payment through collections which could result in you being responsible for additional legal fees and court costs. If we decide to take action in the form of repossession of the collateral, any such action would be in compliance with all provisions of A.R.S., Title 47, Chapter 9.

Collection Practices

If you are unable to repay your loan, collections efforts will begin immediately. Collections practices are subject to the Fair Debt Collection Practices Act. Debt collection efforts may include the following: telephone calls to your home or place of employment between the hours of 8:00 a.m. and 9:00 p.m., voicemail messages, notices by mail, door to door, email (in accordance with CAN-SPAM Act) and text messaging (in accordance with FCC Regulations for SMS opt-in). Debt collectors may not harass you, make false statements, threaten arrest, or engage in any other unfair practices.

Credit Score Implications

We do not run your credit with Equifax, Transunion or Experian to determine loan qualification, loan amount or interest rate. Doing so can result in a reduction of your credit score by a small number of points each time that it is run. We do not report your payment history to the credit bureaus therefore your credit score will not be affected either positively or negatively by your payment history. We may take steps to verify the accuracy of the information you have provided including, but not limited to, clear vehicle title, your social security number, driver’s license number, national ID, or any other state or federal identifications. We may review your information against other national databases to determine your credit worthiness or credit capacity.

Renewal Policy

Our auto title loan is a 30 day loan. You can choose to pay off your loan at any point during the term of the loan. Should you choose to pay off your loan early you would be responsible for the principal and the interest that was accrued for the number of days that you held the loan. There are no fees or penalties associated with paying a loan off early. If you require more time to pay off your loan, you can choose to automatically renew your loan for another 30-day period. There are no fees associated with renewing a loan. If a loan is renewed for an additional 30-day period it is treated as an entirely new loan subject to the same rate, terms and conditions as the original loan.

Disclosure: This is a solicitation for a title loan. This is not a guaranteed offer and is subject to Southwest Finance, LLC client approval. Actual loan amount subject to vehicle evaluation at inspection and complete and approved application. Certain limitations apply. All loans subject to customer’s ability to repay. Some title loans subject to liberal credit policies and limitations, if any. This site is affiliated with one or more licensed vendors referenced herein. This site is owned and operated by Southwest Finance, LLC, an Arizona licensed sales and finance company. In Arizona: Title loans offered by Southwest Finance, LLC will be made or arranged under the Arizona Division of Financial Institutions License Number 0906948.

DISCLOSURE: This is a solicitation for a title loan. This is not a guaranteed offer and is subject to Southwest Finance, LLC, client approval. Actual loan amount subject to vehicle evaluation at inspection and complete and approved application. Certain limitations apply. All loans subject to customer’s ability to repay. Some title loans subject to liberal credit policies and limitations, if any. This site is affiliated with one or more licensed vendors referenced herein. This site is owned and operated by Southwest Finance, LLC, an Arizona licensed sales and finance company. In Arizona: Title loans offered by Southwest Finance, LLC will be made or arranged under the Arizona Division of Financial Institutions License Number 0906948.