Best Title Loans in Phoenix, AZ Find Top-Rated Companies

Have you recently found yourself in a situation where you need a title loan in Phoenix to make ends meet?

With a population of over 1.7 million residents in Phoenix, AZ, around 57% of residents do not have enough cash to cover $500 or more in unexpected expenses. This is when some residents turn to quick cash by getting title loans in Phoenix. One of the most common reasons for getting a title loan is for emergency situations. These types of loans come at a higher price but you can get cash when you need it by using your car title as collateral.

If you do find yourself in a situation where you need cash now be sure to use the best title loan lenders in Phoenix with good ratings. Thankfully, there are some companies that are reputable and will be able to help you when you need it.

If you’re ready to get a car title loan in Phoenix, check out these reputable companies.


Best Car Title Loan Companies in Phoenix, AZ

Borrowers looking for auto title loans in Phoenix have multiple options to choose from. Below is a list of our top recommend title loan companies with the best approval rates to help you save time. These companies offer quick cash at competitive rates within Arizona.


1. Max Cash Title Loans

Max Cash Title Loans

Max Cash Title Loans is an excellent choice for those looking for a car title loan in Phoenix. Servicing The Valley for over 11 years, they have helped over 500,000 consumers find the cash they need when they need it. Max Cash works with hundreds of title loan lenders within their network who are able to help fund you quickly.

Their online application makes applying for an auto title loan simple and easy. After applying, you will instantly know the amount you qualify for. If you would like to move forward with the loan, their friendly staff will collect the required documents from you and handle the rest.

They are a highly recommended choice for those who are looking for a loan.


Before You Apply

  • Must Be a Resident Over 18
  • Clean Arizona Car Title
  • Min Loan Amount: $100
  • Max Loan Amount: $50,000
Best Features

  • Open Late 7 Days a Week
  • Apply Online Anytime
  • High Approval Rate
  • Same Day Funding Available


Read Our Review of Max Cash Title Loans



2. Loan Center

Loan Center Application

Loan Center is a direct lender that offers the residents of Phoenix title loans. Their rates and payments are often lower than most title loan lenders out there. The company makes it easy to apply for a title loan through its website.

Not only can you qualify with bad credit but once approved, you’ll be able to get the cash you need in as little as 1 business day. There is no pre-payment penalty so you can pay off the loan whenever you want to avoid paying more in interest fees.


Before You Apply

  • Min Loan Amount: $1,750
  • Max Loan Amount: $25,000
  • Min Income Level: $1,500/month
  • Minimum Black Book Value: $2000
Best Features

  • Apply Online Anytime
  • Loan terms up to 48 months
  • No Pre-payment Penalty
  • Payments Will Help Build Your Credit


Read Our Review of Loan Center



3. LoanMart

LoanMart website

LoanMart helps borrowers with bad credit or no credit at all. You’ll need to own a vehicle free from any liens and registered in your name in the state of Arizona. It’s recommended that applicants have at least $5,000 in vehicle value for best approval rates.

You can apply on their website and be approved in minutes. If you have a bank account, they can transfer the funds to you instantly after you are approved.


Before You Apply

  • Min Loan Amount: $2,500
  • Max Loan Amount $50,000
  • Min Income Level: Low-income acceptance
Best Features

  • Flexible terms from 12 to 48 months for repayment
  • No pre-payment penalty
  • Bankruptcies and Bad Credit Okay


Apply Here

Read Our Review of LoanMart


How To Get An Auto Title Loan in Phoenix

In order to get an auto title loan in phoenix or to refinance a title loan, you’ll need your Arizona title to your vehicle, proof of income, proof of address, car insurance, and a government-issued ID. Have these handy with you before you apply for a loan to make the processes move along quicker.

Good credit isn’t necessary as you are using your vehicle’s title as collateral. Make sure your vehicle is owned by you and is in working condition. Some lenders may check your credit report prior to giving you a personal loan. This is to check to make sure you haven’t defaulted with the lender in the past or are not currently going through bankruptcy.


Apply online for a title loan

You can apply for a title loan online from the comfort of your own home. This is the preferred method for those that want to shop around for the best rates. The process is simple and straightforward. Once you agree on the loan terms, you’ll send the lender the necessary documents. After the loan is approved you’ll receive your money usually within 1 business day. Lenders do this by depositing directly into your bank account or giving you a money gram code you can use anywhere they are accepted.


Apply in person

Another option is to apply in person by visiting a store location. You will need to have all the required information for the lender prior to making your visit. You should call ahead of time to find out what is needed before you arrive. Each title loan company will have different rates and different lending terms. It’s best to find a title loan company that you are comfortable with before signing any contracts.


Car Title Loans Near Me in Phoenix

For those looking to visit a store location or would like more options. Below is a list of title loan companies around The Valley that may be able to assist. Call or visit a business near you for more information about their car title loans.


Presto Auto Title Loans

8385 N 7th St, Phoenix, AZ 85020


1 Stop Title Loans

1501 N 16th St, Phoenix, AZ 85006


Phoenix Title Loans, LLC

2803 W Van Buren St, Phoenix, AZ 85009


Tio Rico

5109 W Thomas Rd, Phoenix, AZ 85035



5835 S Central Ave, Phoenix, AZ 85040


Auto Title Loans USA

691 W Baseline Rd, Phoenix, AZ 85041


Fast Auto Loans Title Loans

1602 E Baseline Rd, Phoenix, AZ 85042


Loanmax Title Loans

3428 W Northern Ave, Phoenix, AZ 85051





Frequently Asked Questions


How do title loans work in AZ?

Auto title loans work by using your car title as collateral in return for money. When you get a vehicle title loan, you’ll need to pay back the amount you borrowed plus interest. The loan terms can be 30 days or longer. In Arizona, title lenders are capped on the percentage of interest they are allowed to charge. If you do not pay back your loan, the lender has the right to repossess your vehicle.


Are title loans legal in Arizona?

Yes, title loans are legal in Phoenix, Arizona. Arizona law caps interest rates on what title loan companies are able to charge. Loans $500 or less have a maximum monthly interest rate of 17%. Loans between $500 – $2,500 have a maximum interest rate of 15% monthly. Loans from $2,500 to $5,000 are capped at 13% monthly. Title loans over $5,000 have a maximum of 10% monthly.


Can I get a title loan without a bank account?

Yes. You can get a car title loan without a bank account. If you are applying online, the lender can overnight a check or set you up with a money gram. This will allow you to get fast cash where money grams are accepted such as your local Walmart.


Can I apply for a title loan online?

Yes, applying for a title loan online will allow you to know how much you qualify for instantly. Select a lender above and fill out the form on their website. After doing so, you’ll see the valuation of your vehicle and the amount you can receive. If you would like to move forward with the loan. A customer representative will follow up with you to collect your documentation. Once approved, you’ll receive your funds within 1 business day or within the same day.


Find Title Loan Companies in Nearby Cities

If you are outside of the Phoenix area and want to search for companies that offer car title loans in other cities you can search in Buckeye, Glendale, Mesa, Tucson, Yuma. Some locations are more than 30 minutes away.