Auto Title Loans Kingman AZ

A.R.S. §44-291

If the retail installment contract is a secondary motor vehicle finance transaction, the seller, bailor, lender or lessor shall determine the annual secondary motor vehicle finance rate and all charges relating to the sale, conditional sale, bailment or lease and repurchase of the vehicle. The seller, bailor, lender or lessor shall calculate the annual secondary motor vehicle finance rate by multiplying the monthly secondary motor vehicle finance rate by twelve. A retail installment contract that is a secondary motor vehicle finance transaction is subject to the following maximum finance rates on a secondary motor vehicle finance contract in the original principal amount of:

  1. Five hundred dollars or less, a monthly finance rate of seventeen percent.
  2. More than five hundred dollars but not more than two thousand five hundred dollars, a monthly finance rate of fifteen percent.
  3. More than two thousand five hundred dollars but not more than five thousand dollars, a monthly finance rate of thirteen percent.
  4. More than five thousand dollars, a monthly finance rate of ten percent.
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