Frequently Asked Questions

//Frequently Asked Questions

An auto title loan, car title loan or other vehicle title loan is a secured loan using the title to the vehicle itself as collateral. A percentage of a vehicle’s value is loaned to the owner and a lien is placed against the car title for the duration of the title loan. Once the loan is repaid, the lien is removed and title is issued back to the owner. Most title loans, including title loans made by Auto Title Loans USA, allow the borrower to continue driving their car even during the loan period, which is a great benefit to people needing their cars, but also needing a quick way to get cash without a credit check or hassle. Apply for an auto title loan in Phoenix.

Unlike traditional loans from banks and credit unions, title loan amounts are based strictly on the dollar value of the vehicle used as collateral. The amount of money you can borrow is determined by vehicle appraisal.

Depending on the value of your car, truck, SUV or other vehicle as determined by physical inspection and research done by our loan experts, a cash loan amount will be determined for your title loan. Auto Title Loans USA has the cash reserves to write and deliver immediate loans in amounts ranging from $100 up to $100,000, and anywhere in between. We use industry best practices to determine the value of your asset, and it is in our best interest to loan you the highest amount possible, while helping you determine a realistic repayment schedule.

More information about the value of trucks and autos can be found at Kelly Blue Book or Edmunds. The age of the vehicle, its condition, mileage, factory upgrades and options, and extra features added on like custom wheels, stereos and tires all factor in to determining the value of your vehicle. Get a quick, no-obligation quote online for a title loan on your vehicle now.

Absolutely. You do not have to have a savings or checking account to qualify for Phoenix title loans with Auto Title Loans USA. Our title loans are based strictly on the value of your vehicle, and your title is held as collateral. Bank accounts and credit scores are not important, and unlike other title companies in Phoenix, we don’t even ask for income verification. In terms of paying off your loan, we have a convenient way to pay that allows you to use cash 24/7, no bank account required. Call or text us to get started on your title loan at (602) 317-6950.

Yes. You must have a clean and clear title to qualify for a car title loan with Auto Title Loans USA. Be sure to talk with us if you have just a few payments left, because we may be able to help you pay off the vehicle and obtain cash with a title loan. And don’t forget, we can refinance bad loans made by other title loan companies into a new title loan with a better rate and more reasonable payment schedule. Text or call us at (602) 317-6950.

The interest rate you will pay on your car title loan will vary depending on the value of your vehicle, which is secured as collateral for the loan, and the desired loan amount. Most title loan companies will negotiate the rate depending on the value of your car, loan amount relative to value of collateral, and risk.

At Auto Title Loans USA, we work with you to make sure that your total payments are manageable for your budget, and give you the best, most competitive rate possible. We have refinanced many existing high interest title loans to help customers with lower rates and lower payments. Stop in at one of our dozens of Phoenix locations to find out more.

Auto Title Loans USA can write a loan for almost any vehicle you own free and clear, including cars, autos, RVs, trucks, boats, motorcycles and more. Apply for a title loan now and find out how much cash your vehicle could put in your pocket.

Yes. You will be able to continue to drive your car, truck, SUV or automobile as long as it’s insured against damage by collision, theft or other potential hazards. Call or text (602) 317-6950 to find out more.

You do not need to be employed to qualify for a car title loan. And unlike other title loan companies, Auto Title Loans USA does not require proof of income. Auto Title Loans USA in Phoenix loans money based strictly on the value of your vehicle. Apply for a title loan and get a quick quote to see how much cash you can borrow.

Yes! Here at Auto Title Loans USA, credit checks are not performed during the car title loan process. Bad credit, great credit, no credit—we don’t ever run a credit report. Your credit isn’t affected at all by applying for or getting a car title loan. Your credit line is your automobile itself!

Absolutely. Whether you have no credit, slow credit, bad credit, bankruptcy or foreclosure—none of that matters, because we are providing you with a short term loan based strictly on the value of your vehicle. Having either a bankruptcy or foreclosure on your credit can mess you up for years with other lenders. We don’t even run credit reports. Your credit history is your business, and your credit won’t get dinged when you apply for a title loan with Auto Title Loans USA. We can get you the cash you need to get back on your feet when traditional banks and credit unions are looking down their noses.

The loan process is extremely fast if you have all the items you need in hand. You can receive your title loan check within 15 minutes if you’re prepared! Click here to find out exactly what to bring when you’re applying for a title loan. Auto Title Loans USA requires less documentation than many other title loan companies in Phoenix.

Yes. You do not have to be a U.S. citizen, but you must be a legal resident of Arizona to apply for a title loan.

No, but you must be able to claim legal residency in the state in which you apply for an auto title loan.

Loan approval will depend on your vehicle’s value, desired loan amount and your ability to repay the loan. The approval process is easier when the potential borrower provides all the necessary documentation. For questions about what documentation you will need to apply for a loan, we have more information here: What To Bring With You When You Apply For a Car Title Loan In Phoenix.

Once you have been approved for a title loan, your money will be provided in the form of a check, within 15 minutes if you’ve brought everything you need with you!

The title loan period with Auto Title Loans USA is typically 12 months. During this period you can pay back your loan early without incurring any penalties or extra fees whatsoever. If you desire to extend your loan at the end of 12 months, you can meet with one of our loan officers to do so.

Yes. Anyone listed on the title as an owner must be present to apply for a car title loan.

No, there aren’t any prepayment penalties at Auto Title Loans USA. We encourage you to pay off your loan early. And if you run into issues, we can get you an extension or change the terms of the loan. And you can always take out another title loan if you need to in the future—we offer discounts to returning title loan customers.

With the majority of title loans provided by Auto Title Loans USA, it will not be necessary to visit the local DMV. If you bring all the documentation you need, you can have cash in hand within 15 minutes.

Yes. Once we determine the value of your vehicle, our title loan experts will be happy to help you secure a title loan on your classic or vintage automobile or truck.

See our What to Bring page for more information on what documents you will need for fast service in obtaining a car title loan at Auto Title Loans USA. You need to bring the vehicle to one of our dozens of Valley locations to get a quick appraisal by one of our title loan experts. Your car needs to be paid off, or have just a few payments left, with no liens against it. Your name has to be on the title itself, and the title must be registered in Arizona. (We can help you switch it if your vehicle is registered in another state.) You need to be 18 and bring government-issued ID, and you need to bring proof of Arizona residency with a utility bill. If you plan to keep driving your car, you also need to bring proof of insurance against theft, collision, accidents—sometimes called comprehensive insurance. That’s it. We won’t run a credit report, we don’t need extra keys to your car, and we don’t ask for proof of income. We are friendly, discreet and hassle-free—because we want you to tell your friends and family about us.

For more information, read what to bring to make the title loan process go quickly or text or call us at (602) 317-6950.

Auto Title Loans USA is the Phoenix area leader in the car title loan industry. Customer service is our top priority, and we aim to provide you with a stress-free and speedy loan experience so that you will tell your friends, family and neighbors all about us. But don’t just take our word for it, read reviews about Auto Title Loans USA here.

Throughout our many years in business, Auto Title Loans USA has helped hundreds of people refinance their existing title loans with lower interest rates and more extended payment terms. We are reputable and experienced, and we want to make sure people get short term financial solutions in the form of Phoenix title loans that are easy to pay back. We want you to have such a great experience with Auto Title Loans USA that you tell your friends about us. And that means helping you out of any tough financial situation you find yourself in.

Once your loan has been repaid, we will electronically release the title back into your name. You can then go to the Arizona Department of Transportation and have a copy of your title issued back to you.

No. Due to the Military Lending Act, active duty military members and their dependents are not allowed to obtain car title loans.

Yes, we base our title loans on the value of the asset we are loaning against—your car, auto, truck, SUV, motorcycle, etc. Unlike other title loan companies, Auto Title Loans USA does not require proof of income. Call or text Auto Title Loans USA at (602) 317-6950 if you have any questions, we have friendly, knowledgeable agents who are ready to help you.

We’ve made getting Phoenix title loans as fast and easy as possible. You can call or text us at (602) 317-6950, or apply for a title loan quote online here on our website, or email us at or simply stop by one of our dozens of locations in the Phoenix metro area. With multiple offices in Mesa, Phoenix, Scottsdale, Chandler, Peoria, Gilbert and Apache Junction, we are ready to serve you. Read more about what is required for a title loan here. Our title loan experts will examine your vehicle, help you with the paperwork, confirm your loan amount and within 15 minutes you could be walking out with cash. And you get to keep driving your car!

The process of getting a title loan is simple—if you hold clear title to a car, auto, truck, van, SUV, motor home, ATV, boat, commercial truck, etc., you hold title to potential cash in the form of a title loan. Simply bring your vehicle in to one of our many convenient Phoenix locations so our loan agents can assess value. Fill out some paperwork, provide government-issued ID, proof of Arizona residency and proof of comprehensive insurance if you intend to keep driving your car and we can get you all set up. Read what to bring and the title loan process pages for more detailed information.

Absolutely not. It costs you nothing to find out how much cash you can get for your vehicle. Text or call us at (602) 317-6950, or apply for a title loan quote online. We never run your credit, so there is absolutely no downside to getting a quick, no-obligation quote to find out how much money you qualify for.

At our many Phoenix title loans locations in Mesa, Phoenix, Scottsdale, Gilbert, Chandler, Apache Junction, Peoria and more, our title loan agents are experienced, friendly and discreet. We will appraise your vehicle, walk you through the minimal paperwork, get you through the entire title loan process and cut you a check within 15 minutes.

A clear title or lien-free car title means that the vehicle is completely paid off, you own the vehicle outright, and you owe no money in terms of outstanding loans or judgments held against the car’s value.

There are a couple of good things about title loans—namely, you can get a quick infusion of cash in the form of a title loan with absolutely no credit check or hassle, and you get to keep driving the collateral. A reputable title lender like Auto Title Loans USA will work closely with you to make sure the loan amount, interest rate, and repayment schedule works with your budget.

All of us need a short term loan sometimes, whether we have a family emergency, an unexpected expense, a delayed bonus check or need cash for the holidays. Getting a title loan is a whole lot easier and faster than borrowing money from a bank or credit union, and better than maxing out your credit cards if you have them. Find out how much your car or auto might be worth in the form of a quick title loan. Just call or text us for a quote, or if you have any questions (602) 317-6950.

It is very important that you only obtain a title loan that has payments you can afford to make. At Auto Title Loans USA, we will work hard to create a loan and payment schedule that works for your budget. Your auto or car title is held as collateral, so if you don’t make your payments, your vehicle could be repossessed! We don’t want that to happen, and we will work very hard to make sure the money we lend will be paid back. And you will be happy and tell your friends about us.

With multiple loan offices in Phoenix, Mesa, Scottsdale, Chandler, Gilbert, Peoria, Apache Junction and more, Auto Title Loans USA has convenient locations all over the Valley. Apply for a title loan online, email us at, call or text us at (602) 317-6950, or walk in to any of our title loan locations.

With traditional bank or credit union loans, your credit history and other assets determine how much money you can get in the form of a loan. Unfortunately it’s incredibly easy to have a low credit score in today’s economy, or even have no credit at all. Title loan companies use the title to your car as your collateral without even considering your credit history.

At Auto Loans USA, we give you cash for your car title, it’s that simple. After assessing the value of your vehicle, we work with you to design a title loan that works for your needs and your budget.

Auto Title Loans USA has been in business since 1997 and is a very reputable consumer lender. We take every possible step to ensure that your personal information is secure. Read reviews about Auto Title Loans USA.