Phoenix, AZ – Best Title Loan Companies in 2024

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

With 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 emergencies. These loans come at a higher price, but you can get cash by using your car title as collateral when needed.

If you find yourself in a situation where you need cash now, be sure to compare title loan lenders in Phoenix with good ratings. Thankfully, some reputable companies can help you when you need it.

Check out these reputable companies if you’re ready to get a car title loan in Phoenix.


Best Car Title Loans in Phoenix, AZ – Apply Online


Borrowers looking for auto title loans in Phoenix have multiple options. Below is a list of our top recommended 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 seeking 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 needed. Max Cash works with hundreds of title loan lenders within their network who can 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 want 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 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
Top 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. The company makes applying for a title loan easy through its website.

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

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


Before You Apply

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

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

Good credit isn’t necessary as you use your vehicle’s title as collateral. Make sure you own your car and is in working condition. Some lenders may check your credit report before 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 preferred for those who want to shop for competitive rates. The process is 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 within one 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 information for the lender before visiting. You should call beforehand to find out what is required before you arrive. Each title loan company will have different rates and different lending terms. Finding a title loan company, you are comfortable with before signing any contracts is always in your best interest.


Best Local Car Title Loan Companies in Phoenix, AZ

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 you can compare. 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. You must repay the borrowed amount plus interest when you get a vehicle title loan. 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. The lender can repossess your vehicle if you do not repay your loan.


Are title loans legal in Arizona?

Yes, title loans are legal in Phoenix, Arizona. Arizona law caps interest rates on what title loan companies can 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 apply 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 instantly allow you to know how much you qualify for. 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 one business day or the same day.

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