We Offer These Types of Title Loans

Title Loans
If you have a clear title you can use your car, truck, or SUV to get up to $50,000.
Personal Loans
If you're still making car payments and don't have your vehicle title in Arizona, you can get up to $5,000 using your vehicle registration as collateral.

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About Title Loans in Arizona

Did you know you can qualify for $150 to $50,000 using your car title? A title loan can help your budget when unforeseen financial emergencies arise. Our simple application process can get you the money you need.

The best part about our title loans is you get to keep your car while you repay your loan. With CASH 1's title loan terms, you could get up to 36 months to repay with low, fixed-rate payments, so you get more money and more time to repay!

As with all CASH 1 loan products, there is never a penalty for prepayment. You can save money by paying your Arizona car title loan off early because you only pay interest on your loan for the time you have it.

Title Loan Requirements

Arizona Resident
18 Years of Age or Older
Government-Issued ID
Proof of Income
A Clear Title for Your Vehicle
Your Car, Truck, RV or Motorcycle (for Brief Inspection)
Not on Active Duty in Military

Requirements for New Customers.

Personal Loan Requirements

Arizona Resident
18 Years of Age or Older
Government-Issued ID
Proof of Income
Proof of Open Checking Account or Direct Deposit Card
Your Car, Truck, RV or Motorcycle (for Brief Inspection)
Vehicle Registration
Not on Active Duty in Military

Requirements for New Customers.

Locations

Title Loans and Registration Loans are available in Arizona. CASH 1 has stores located in Phoenix, Tempe, Mesa, Chandler, Glendale, and Goodyear, AZ.

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How Do Title Loans Work?

Start online with our super simple form and get a pre-approved loan amount over the phone. Our loan agents will be there to assist with any questions you may have.
Bring your vehicle, along with the required doc’s, for a quick inspection at one of our convenient locations. You’ll finalize your approval amount and choose your terms.
Sign your loan documents, receive your cash and drive away, the whole process can usually be done in just 15 minutes. It’s really that simple!

Get a quick quote to see how much you can get today!
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Tips for Getting a Title Loan in Arizona

You should apply for a title loan with multiple lenders to ensure you get the best deal. We encourage all our customers to compare terms, interest rates, and the available loan amount. You will see discrepancies between companies, so choose carefully. Follow these steps to have the best loan experience:

	Figure Out What's Affordable Before you do any research, you should figure out what kind of loan covers your needs and is affordable. Use a payment calculator to see how much the principal and interest will cost you each month. When you visit lenders, they usually offer you the maximum amount available to you, but you don't need to take it if you don't need it or can't afford it. Instead, figure out the monthly payment that works best for you so that you can work the lender to keep your loan affordable. Be conservative when deciding what is and isn't affordable and try only to borrow what you need – even if you can afford more.
	Put Together Your Paperwork The paperwork required depends on the size of the loan you want. If you only want a fraction of the car's value, then all you need to do is provide the car title, which must be in your name and ideally free of any liens. If you can't find your title, then you need to request a new one from the DMV. Again, the title needs to be in your name. If there is more than one person on the title, then everyone needs to participate in the application process. Ideally, your car is free from liens, but it isn't necessarily a deal-breaker. If you are still paying off your vehicle, you can borrow based on the equity associated with your car. Registration loans operate based on how much money you still owe on your car loan.
	Get Your Car Looking Its Best It's also a good idea to clean up your car. Detail it and fill in any scratches with a scratch or dent remover. A presentable vehicle will fetch you a higher balance if you need it.
	Make Your Payments On Time Once you have the money, it's up to you to pay on or before each due date. In cases where you anticipate missing a payment, contact your lender rather than skipping it. Most reputable lenders are happy to work with you. However, you do need to ask. Missing payments not only add to your balance, but it also risks ownership of your car.

Arizona Title Loan FAQs

Read these answers to the most common questions about how vehicle title loans work below before going through the process of applying for a short term loan.

What are Arizona Title Loans?

A title loan is a secured loan that allows you to borrow using your vehicle as collateral. You can use your Car, Truck, Motorcycle, or R.V. If it runs and you own it, you can borrow the current value of the vehicle. Your name needs to be on the title, and you can't have any existing liens on that vehicle.

Do I Need Good Credit?

No, you don't need good credit to apply for a loan. Because you use your car or truck as collateral, we don't need to run a traditional credit check. You do, however, need proof of monthly income to ensure you can pay back the loan.

Do I Have to Turn Over My Vehicle?

No, you get to keep your vehicle and get the cash. You need to leave a copy of your I.D. and a copy of the title.

How Do I Pay the Loan Back?

When you take out a title loan, you receive a payment plan that includes minimum monthly payments. You can pay more than the minimum amount or even make a lump sum payment if you get a windfall of cash (such as after your tax refund comes in). As you pay the loan back, you need to account for the interest and fees assessed for each loan. Quickly paying it back means you minimize the interest you pay on top of the principle.

What if I Miss a Payment?

You should avoid missing a payment if you can because the cost of missed payments often snowballs and makes it harder to complete future payments. Although a title loan usually doesn't impact your credit score (in either direction), it can damage your credit if you default on the loan, and a repossession takes place. If you default on a car title loan, then the law says the lender has the right to take ownership of the vehicle. You can usually work out a deal and receive an extension, or a refinance, but open communication is necessary to achieve this.

What Counts as Default?

A default begins with one missed payment (or payment below the minimum due). You may also go into default if you violate your contract. For example, if your car insurance policy lapses, it may be a default if this was a stipulation in your loan agreement. You may be tempted to stop paying your car insurance, mainly if you store the vehicle with the lender. But you should ask your lender whether this is a violation of your agreement before you do.