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Facts About Arizona Title Loans

Title Loans are a non-traditional means of getting a loan, that means that banks don’t offer them, your credit score is not considered and as long as you have a vehicle with some value and an Arizona Title, you should be able to get same day approval.  Here are some facts to help you learn more about Arizona Title Loans:

Q. What is an Auto Title Loan?

A. An Auto Title Loan is a short term loan that is secured by your vehicle title. This is why title loans are often called asset backed loans. Southwest Title Loans will loan money on all Arizona titled cars, trucks, SUV’s, classic cars, motorcycles, RV’s, Quad’s, ATV’s, construction equipment, semi’s, trailer’s or airplanes.

Q. Does a Title loan need a Credit check?

A. Some Title Loan companies do run credit checks as part of the loan application, however Southwest Title Loans does not do a credit check so your past credit history does not matter when getting a title loan from us.

Q. Do I need an appointment top get a Title Loan?

A. No appointment is needed; The best thing to do is fill out the ez online title loan app on this page, or call us at 623.889.3000. Our title loan associates are always available to assist you during normal business hours.

Q. Do I need an Arizona Certificate of Title?

A. All Arizona lenders require an Arizona title. If you have a vehicle that has an out of state title we can easily help you to convert it to an Arizona title.

Q. Does my vehicle need to be paid for in full of have a clear title?

A. No, usually Southwest Title Loans can work with you to pay off your lender and issue you a new title loan.

Q. What if I have bad credit or a bankruptcy?

A. Bad credit and bankruptcy is not a problem here. Southwest Title Loans will not do a credit check. And your credit rating has no affect on the rate you get. In fact the more cash you get from your title loan the better rate you get. Southwest Title Loans is looking for reasons to make title loans rather than not make them.

Q. How much cash can I get with a quick cash title loan?

A. Southwest Title Loans can loan you anywhere from $100- to $50,000. The amount financed depends on the value of your vehicle. We use Kelley Blue Book valuations and a personal inspection to determine this.

Q. How quickly can I get the cash from my Title Loan?

A. Southwest Title Loans are a great quick cash / emergency cash solution. Funds from your loan are given to you the same day, often in 20 minutes or less.

Q. What if I become late on my payment?

A. Southwest Title Loans wants to work with you. If you are late or are going to be late on your title loan payment it is very important to keep in communication with us, we will always try to help.

Q. What if I am not currently employed, self employed or do not receive a regular paycheck?

A. Southwest title Loans wants to work with you. All you have to do is be able to show that you have the ability to pay your title loan. If you have questions on this please give us a call at 623.889.3000.

Q. What is Title Pawn or Auto Pawn?

A. These are other names for title loans. Where southwest Title Loans is different is that we let you keep & drive your car or truck while you have a title loan with us.

Q. Does the vehicle title need to be in my name?

A. Yes. The vehicle title must have you listed as the legal owner of the vehicle that you intend to use as collateral. If you are listed on the title along with another person, you can either bring that person with you or give Southwest Title Loans a call to discuss you options.

About the Author

Southwest Title Loans offers several different options for you to get cash and the most popular product is the auto title loan. Also offer Title loans on anything that drives, floats or flies.

My ins agency is giving me about $3-5k less than fair market value on my car. What can I do?

I was involved in an auto accident which was my fault. Took my 86 mercedes to get worked on and total came to about $5600. State Farm decided to total my car. At first they said the web-site they use was nada.com. ( I was told that by 2 seperate people) Then when it came time to pay out they said because my car was older it goes to a different web-site as it's considered a classic. I could not find any prices on that web-site(must have to suscribe to it). They are giving me $1875 for my car. nada.com has price ranges from $5600 to $11500. My car wasn't in perfect condition, but it would be considered great condition maybe $7k-$8k. Kelley blue book rates it from $ 4375-$8600. If i went by KBB may $5500- $6800. These prices seem like fair market value, but because there are no other same year cars being sold within 200+ miles of my town I feel I am being sent out to pasture. What can I or should I do to combat this!!

You can use NADA, you can use KBB.

If you didn't buy "classic car" coverage, which is usually on either an "agreed value" or "stated value" basis, you get "actual cash value" - depreciated value.

Are you looking at RETAIL values, or private party sale values? Look, when I type in 1986 Mercedes, assuming 200K miles, fair condition (which is what "isn't perfect" but runs, usually is), I'm getting roughly $2,000 for PRIVATE PARTY, used, wholesale. Their offer is fair. That NADA value is for that car in PERFECT condition - which obviously, yours isn't, and it's also RETAIL. And you don't get retail, with insurance, unless you BOUGHT an "agreed value" policy.

All you can do, is provide comparable sales via craiglist ads, or provide TRADE IN or PRIVATE PARTY sale values, of vehicles with similar milage and similar body condition.

There's no way a 25 year old car, that's not "collectable" is worth anywhere NEAR $8,000. Unless maybe you've rebuilt the ENTIRE thing, including the engine, and you can see yourself in the spotless paint job.

Audi A4 Review - Kelley Blue Book's Review