money on car title AZ

How Much Can I Borrow Against My Car Through Title Loans?

Getting a car title loan can prompt you to wonder, “How much can I borrow against my car?” when you come to Fast Auto Loans, Inc. for help. When you come to see us for a title loan, you can get up to $15,000 on a vehicle title loan by using your vehicle’s title as collateral if you live in Arizona.

The amount you qualify for involves several factors, including the make, model, and condition of your vehicle. We explore how much you may qualify for and how the loan process works.

Learn How Much You Can Borrow Against Your Car

We here at Fast Auto Loans, Inc. can issue you a vehicle title loan up to $15,000, depending on the resale value and condition of your vehicle. Because your car title serves as the collateral for the vehicle, its condition, age, and make all play into what you may qualify for. As such, when you ask, “How much can I borrow against my car?” Consider these factors to get a rough estimate:

  • Condition
  • Mileage
  • Age
  • Make and Model

Toy car with coins and text How much can I borrow against my car through title loans


The condition of your vehicle as a whole is significant in determining what you qualify for if you are approved. Scratches, dings, bumps, and stains impact your vehicle’s worth, and thus how much you may get out of a title loan.

Similarly, the internal condition of your vehicle matters. Make sure you keep up with regular oil changes and other scheduled maintenance to keep your car in pristine condition when you need to use the title for borrowing money.


The higher the mileage on your vehicle, the less it will be worth. The simple reason is that the odometer is a fairly solid indicator of wear and tear over the vehicle.

The wear and tear on a car are especially noticeable after the car reaches the 100,000-mile mark, which leaves the car requiring more consistent upkeep. This is likely reducing what you may qualify for if you are approved.


Similarly, an older car is worth less than one that’s relatively new. This is because age can indicate more wear and tear, meaning the older your vehicle is, the larger the likelihood that it has more damage.

Cars lose more than half of their value during the first five years of use, so if you have multiple vehicles and need a higher loan amount, then a newer car is likely almost always better for securing a larger lump sum of cash.

Make And Model

One of the last things we look at is the make and model of your vehicle. Naturally, brands that come with a higher price tag — or those that hold up well over time — will maintain some of that value going into the title loan process. Luxury brands and upgraded package vehicles may positively affect how much you qualify for if you are approved for title loans with us at Fast Auto Loans, Inc. in Arizona.

How To Borrow Money On Your Car Title

After asking, “How much can I borrow against my car?” your next question is likely how you can get started with our simple and quick title loan process! We here at Fast Auto Loans, Inc. offer a swift, streamlined car title loan process that can have you in and out in a minimum of 30 minutes. And the best part is you don’t even have to come to an Arizona store location to finish the process. To apply, you’ll need these items:

  • Your driver’s license or a valid state-issued photo ID.
  • Your lien-free car title for the collateral.
  • Your vehicle for a quick inspection.

You must be over 18 (and can prove it), as well as that you have a clear car title. A clear car title simply means that you have no other judgments or loans on your car’s title. If you do, you won’t be eligible for a title loan.

To begin, simply complete the online form on the website and wait for a loan associate to contact you. They’ll review the loan process with you and set up a meeting for the vehicle inspection.

You will then sit down with the associate to review your required documents and assess the value of your vehicle. Depending on their assessment, you may be qualified for the loan, you can leave with your money the same day or the following business day. You don’t need to worry about not being able to drive your car—as you repay the loan, you can continue to use it as normal!

Another aspect of this financial option is to consider rates, fees, and terms. At Fast Auto Loans, Inc. we work hard to provide you with the most competitive rates and terms available. Our trained store representatives can provide you with more detailed information about our Arizona title loans. Please visit one of your nearest Fast Auto Loans, Inc. locations for further details. 

Representative reviewing car title loan and toy car on desk

Submit Your Form Online Today!

If you need urgent cash and are asking “How much can I borrow against my car?”, we here at Fast Auto Loans, Inc. can secure you a large sum of money to cover emergency expenses like car repairs, medical bills, or important travel.

If you’re struggling to handle important expenses, then you might consider using the value of your car to secure a loan. Doing so may be a cash flow option to consider, so if you think it’s the right option for you, you can get started with the online form today!


Note: The content provided in this article is only for informational purposes, and you should contact your financial advisor about your specific financial situation.

Daniel Dewitt

Daniel Dewitt is a lifetime blogger with a finely-honed ability to break down, analyze, and interpret economic trends for the layman. He's fiercely invested in spreading financial literacy and helping everyday people gain the tools they need for their own economic success.

Fast Auto Loans Inc

You will be on your way to our store in no time since the call only takes a few minutes. All you need is the following items:

  • Driver’s License or State Issued I.D.
  • Lien-Free Title to Your Vehicle
  • Your Vehicle for Inspection

We also welcome all credit, so fill out our online request form and get started now!

All you have to do to start the process right now is submit our online request form on this page and one of our friendly store associates will call you right back.

When you’re ready to get the emergency cash you need without all the hassles of a traditional loan, Fast Auto Loans, Inc. has you covered. It doesn't matter what has left you in need of cash, because with a car title pawn you could get up to $15,000 today.

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