How It Works

Auto Title Loans are designed as a short-term financial solution for people with less than perfect credit or who may need a loan faster than a traditional bank can provide. If you own your vehicle, you can use it as collateral to secure a cash loan.

At Arizona Auto Lenders, we do not run a credit check, but we will qualify your ability to repay the loan and your stability within the community. The actual amount you can borrow is then determined by the value of your vehicle and your income.

Here are the items you will need and an overview of the loan process and how it works. First, you must be 18 years old, a resident of Arizona, have a steady documented income, and a clear (no liens) Arizona title on your vehicle. Arizona Auto Lenders will then determine your vehicle's book value by using published Kelly Blue Book® trade-in values.

Second, your loan processor will want to review the the following items: two most recent pay stubs, a current utility bill, proof of residency (a mortgage statement or lease agreement), your Arizona title, registration, proof of insurance, and a spare key to the vehicle. We will also take a photocopy of your Arizona driver's license and social security card.

The entire loan process can usually be completed within an hour barring any unforeseen problems. To save time, fill out our Online Application and it will be submitted electronically to your local Arizona Auto Lenders office. If you have questions, please call your nearest Arizona Auto Lenders location and speak with one of our helpful loan processors.