The Process of Getting a Phoenix Car Title Loan from Auto Title Loans USA
Getting a title loan in Phoenix is fast and easy when you work with Auto Title Loans USA. The process of getting approved for title loans can be broken down into the following simple steps:
- First, feel free to text or call us at (602) 317-6950 any time, or fill out a quick title loan application on our website to get a fast quote on how much money we anticipate we’ll be loaning you on your automobile’s title. (And remember, you’ll still be able to drive it!) If you want to do some more research on your car’s value, you can also visit Kelly Blue Book or Edmund’s to get a better idea of what your vehicle might be worth.
Please remember we do not loan on the retail value of your vehicle, we lend on the wholesale value which tends to be a bit lower then KBB or Edmunds. If you’d like to bypass this first step, that is okay with us. Just head directly into one of our auto title loan locations and get started!
- Once you are ready to get your car title loan, bring your vehicle in to one of Auto Title Loans USA’s loan offices in the Phoenix metro area. Remember your name will need to be on the title and the title needs to be clean and clear and free of any liens. If the car title is issued in another state, no problem, we can help you transfer it to Arizona.
- In addition to bringing in your vehicle, bring everything with you in terms of documentation required so that the title loan process moves along as quickly as possible. Click here: What to Bring When Applying for an Auto Title Loan, for more complete information about what documents will be required to get money right on the spot.
- Don’t worry about your credit score. We never run your credit when making an auto title loan. Bad credit, no credit, great credit—none of that matters. The loan amount you will get will be based strictly on the value of your vehicle and your stated proof of income. Complete our application form and you’re well on your way.
- We will review your documents. Remember we do not take into consideration your credit in the loan approval process.
- Once we have determined all your documentation is in order, we will assess the value of your automobile. We determine car value based on factors including the year of your vehicle, make, model, and vehicle condition. Feel free to do your own research online and you will find that we are very accurate in our appraisal of your car’s value.
- We will inform you of the total amount of money that we can loan you. We will discuss the applicable interest rates of the loan and set up a payment schedule for your consideration. We want to make sure you can pay off your loan in a timely manner. Please remember, there are never any prepayment penalties—we encourage you to pay off your loan early if you can.
- Final step–we will get you your money.
Our experienced and knowledgeable staff’s goal is to be the best in the auto title loan business and we will make sure that you get approved for your loan the same day. The Phoenix title loan representatives from Auto Title Loan USA will work hard to get you the cash you need. Once you pay off your account balance, you get your title back. Remember you can keep driving your car while you pay back your loan! Please note the vehicle needs to stay in state during the time of the loan.
You are important to us, you are not just a customer, and we work hard to ensure that your experience with auto title loans in general and with our company in particular is positive in hopes that you will tell your friends about us!
Title loans should be used as a short term or emergency bridge loan, not as a long term financial solution.