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Car Title Loans in Tempe, Arizona

When you require a loan fast in the Tempe area, it’s easy to feel as though you have no options and nowhere to go. Fortunately, you may have resources if you own a vehicle.

When you possess a car with a title in your name, you have a possible source of funding to turn to. All you need to do is secure a title loan. Title loans, in case you’re not familiar with this option, are loans offered through financial companies such as LoanCenter that are provided to borrowers who are willing to agree to offer their vehicle titles as loan security, which may make these loans very easier to qualify for. 

Car Title Loans in Tempe, Arizona

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Is it Hard to Qualify?

Qualifying for a title loan is actually quite simple. At 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 with an ability to repay

We will also conduct a 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 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

Your income, general credit score, and vehicle worth are all considered and will help determine how much you can borrow. If you can meet most of these requirements, it’s possible that you can get approved. 

Is it Hard to Qualify?

The Role of Your Vehicle

Typically, the more your car is worth, the more money you may be able to qualify for. So, if you have a more modern car or a car that’s otherwise very valuable, the more you may be able to borrow. You may be able to borrow any amount that doesn’t go over the car’s full value.

However, drivers with less desirable cars have the chance to borrow as well. And, sometimes, borrowing smaller amounts with an older vehicle or just not taking the entire amount you’re able to get can be wise. It may make the loan more reasonable and easier to pay back. Ultimately, if you are approved, we’ll inform you of the maximum amount you can borrow; you can decide how much to borrow from there.

Quick and Easy Financing

If you’re like most people who take out a title loan, you are doing it because you need a loan 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 decision loan applications as quickly as possible.2

Our sense of efficiency begins with the application process. First 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 get approved for your loan.

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 is No Problem

Have You Been Denied for a Loan in the Past?

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 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 requirement to get approved. Even with poor credit, it is possible that we will be able to assist you.

It’s possible that if you are approved and have accepted your terms, borrowing from us could potentially boost your credit score.3

How much can I borrow with a vehicle title loan?

The main factor is the value of your automobile, but other factors such as your ability to repay, play a role in determining the total amount you can borrow.

If approved, how much time does it take to obtain the loan money?

While there is no specific time frame, here at LoanCenter, we try to process approved applications as quickly as possible.

Where do I learn more?

Fill out an application online at LoanCenter to see if you pre-qualify for a title loan. If you are approved, one of our Loan Officers will be in touch.

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1 This is not a guaranteed offer of credit. Loan approval is subject to meeting lender’s credit criteria, which include demonstration of your ability to repay the loan, providing collateral of acceptable value and equity, and the grant of a first priority lien on your motor vehicle. Due to the Military Lending Act, installment loans secured by the borrower’s motor vehicle are not offered to military members or its dependents.

2 Funding time is based on the time from final approval following receipt and review of all required documents and signing, prior to 3PM PST on a business day.

3 We report to the major credit reporting agencies. A good payment history with us may help raise your credit score and make it easier for you to borrow money in the future.

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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.