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Car Title Loans in Scottsdale, Arizona

If you live in the Scottsdale, Arizona area and are in need of some immediate funds, you’re in luck! Mesa residents can apply for a vehicle title loan from LoanCenter. If approved, we will work with you to ensure you receive the money you qualify for as quickly as possible.

In case you’re not familiar with them, title loans are loans that are given to borrowers who possess vehicle titles in their names. They must be able to provide the vehicle title as surety for the loan. Typically, they also need to have a source of valid regular income and be at least 18 years old. If you can meet these simple criteria, then you could be an ideal candidate for a title loan.

Car Title Loans in Scottsdale, Arizona

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How to Qualify for a Car Title Loan

Qualifying for a title loan is actually quite simple.

At a minimum, we ask that you:

  • Be at least 18 years of age or older
  • Own your vehicle in full
  • Have no liens on the vehicle in question
  • Have a reliable, verifiable source of income

We will also conduct a credit bureau check on you. Here at LoanCenter, we do take a look at your current credit situation and overall credit history. However, if these things are not ideal, there is still a possibility that you could still borrow from us. At LoanCenter, we pride ourselves on always considering the “big picture” of a borrower and attempt to offer loans to people with great credit and poor credit. 1

How to Qualify for a Car Title Loan

Great Speed

If you’re like most people who take out a title loan, you are doing it because you need money as soon as possible. Luckily, here at LoanCenter, we understand that, for most of our borrowers, time and speed are vital. That’s why we try to process and review loan applications as quickly as possible.

Our sense of efficiency begins with the application process. You can fill out the basic application form online. From there, we’ll work to help you complete your loan application, provide all of the necessary documentation, and then see if you are approved for your loan.1

Here at LoanCenter, we realize and understand that our customers do not have time to waste. That’s why we try to offer speedy approvals and send out funds as quickly as possible.

Bad Credit May Be No Problem

You may be worried about your credit score, especially if it has caused you to be denied for other types of financing in the past. Know that title loans are not like other types of loans.

While other loan options may require superior credit for you to even be considered for approval, we are qualified to work with borrowers with all types of financial situations and with all types of credit histories. And, while decent credit can definitely help you to get the best possible loan terms, it’s not a must.

It’s possible that if you are approved and have accepted your terms, borrowing from us could potentially boost your credit score.

How fast can the loan be obtained?

Once the paperwork is filled out and if your loan is approved, LoanCenter tries to get your money to you as quickly as possible.

What may you do with the funds?

While we don’t demand information about what you plan to do with the loan funds but the funds must be used for legal purposes only.

Where do I begin?

You can begin by completing our easy online form  to find out what your car is worth and within a few minutes, you will know whether or not if you can be approved. Still need help? Contact our customer service line to have your title loan questions answered.

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1 Loan approval is subject to meeting the lender’s credit criteria, which include demonstration of ability to repay the loan. Not all applications will be approved.

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Frequently Asked Questions

Everything you need to know

The main risk is the potential loss of your vehicle if you cannot repay the loan. High interest rates and additional fees can also make repayment difficult.

Yes, you can use a motorcycle as collateral for a title loan in Arizona.

It depends on the lender. Some might be willing to negotiate terms, but it’s crucial to understand all terms and conditions before signing.

If you cannot pay your title loan, your vehicle could be repossessed and sold by the lender to recover the loan amount.

Yes, alternatives can include personal loans, payday loans, pawn loans, or asking for help from family, friends or a financial advisor.

No, to get a title loan in Arizona, the vehicle must be fully paid off and the title must be in your name.

You can usually pay off a title loan early by directly paying the principal amount along with any outstanding interest and fees.

No, Arizona law does not allow you to have two title loans on the same vehicle at the same time.

Yes, most lenders allow renewals or extensions, but this may lead to higher interest rates and additional fees.

Yes, some lenders offer online title loans. You will need to upload pictures of your vehicle and your documents.

Yes, you can keep your car during the loan period. However, if you default on the loan, the lender has the right to repossess it.

The amount of money you can borrow depends on the value of your vehicle, but it typically ranges from $100 to $50,000.

Yes, you can get a title loan without a job. However, you need to prove that you have a reliable source of income.

It usually takes about 30 minutes to an hour to get the loan once you have all the required documents.

Yes, you can get a title loan in Arizona even with bad credit since the loan is based on the value of your vehicle and not your credit score.

Interest rates can greatly vary depending on the lender, but they can go as high as 204% annually.

To get a title loan in Arizona, you need a clear title of your vehicle, identification, and proof of income. You also need to be the sole owner of the vehicle.

Yes, title loans are legal in the state of Arizona, but they are regulated. Lenders must adhere to the state’s Limitation on Interest Rates.

With Arizona title loans, the lender appraises the value of your vehicle and offers a loan based on that appraisal. You offer your vehicle as collateral. If you cannot repay the loan, the lender could repossess your vehicle.

Arizona title loans are short-term loans where the borrower’s vehicle title is used as collateral. The borrower must be the sole owner of the vehicle.