If you’ve seen all the ads and billboards around Phoenix offering car, auto and vehicle title loans, you may have wondered what they might require. The process of getting a title loan can be much easier than you think, and money might be available to you the same day you apply–sometimes in less than 15 minutes if you have everything you need on hand.

Even if you have a poor credit score, a quick auto title loan might be a solution to tide you over for the short term if you live in the Phoenix area. At Auto Title Loans USA, we never use your credit score as a criterion for loaning money—we never even run your credit. You do not need to have a bank account. As long as you are 18 or older and have a clean and clear vehicle title in your name, a government-issued ID, insurance on the vehicle, and a way to prove where you live, getting a title loan might be an option for you to obtain some fast cash. In fact, we can issue checks in less than fifteen minutes in some cases.

Let’s examine all of the things you need to bring with you to expedite our quick and easy auto title loan process.

1. A clear and clean Arizona vehicle title in your name

A clear and clean title means your vehicle is paid off and that no money is owed on it. It also means that no other loans have been taken out with the car used as collateral. (NOTE: Auto Title Loans USA does refinance other companies’ bad title loans, just ask.)

Additionally, you must make sure that your car title is in your name. And your car must be registered in Arizona. Keep in mind that we can often help you quickly change the title it if it is registered in another state, so don’t let that stop you.

2. The auto, car or other vehicle itself

Our excellent loan appraisers will also need to examine your car in person to assess value. Remember you can borrow against trucks, boats, trailers, motorcycles, and RVs too. Even classic cars that you rarely drive can be used to obtain a car title loan. The loan amount is strictly based on the value of the vehicle.

Here is one source for checking the value of your automobile: http://www.edmunds.com/ There are many others such as Blue Book. Or just bring your vehicle in to one of Auto Title Loan USAs dozens of Phoenix area locations and see how much money you can get.

3. A government-issued ID

To speed up the process, make sure to bring your driver’s license or social security card with you to prove who you are.

4. Proof of auto insurance

You may need proof of insurance, including both collision and comprehensive auto insurance to cover theft, fire, vandalism, weather, falling objects and/or animal damage.

5. A way to prove your Arizona address

Be sure to bring documents to prove where you live. Citizenship is not required, but legal Arizona residency is. Examples of acceptable proof are utility bills, cable bills, electric bills or water and trash bills in your name with your address on them.

6. What you won’t need is a credit check or proof of income!

Title loans are based strictly on the value of your vehicle asset which is used as collateral, so a credit check is never required. And even though Auto Title Loans USA no longer requires proof of income unlike most other title loan companies, we will explain your loan thoroughly and discuss a workable repayment schedule so that you only take a loan amount that you can comfortably pay back.

Why wait? The title loan process can be simple and speedy for you if you follow all these steps. So get quick answers and fast cash for the short term by simply stopping in at one of our dozens of Phoenix auto title loans locations.

Title Loans should be used as a short term or emergency bridge loan, not as a long term financial solution. At phoenixtitleloan.com (also known as Auto Title Loans USA), there are NO prepayment penalties for paying off your loan early!