If you're trying to figure out how to get a title loan in Arizona, one of the best things you can do is get your required items ready before you start.

Unexpected expenses don't always give you much warning. A necessary car repair, medical bill, home expense, or another urgent cost can show up when your savings aren't enough.

The good news is that the standard required-item list for a title loan with Fast Auto Loans, Inc. is relatively short.

You'll generally need:

• A driver's license or state-issued photo ID
• A lien-free vehicle title in your name
• Your vehicle for inspection

Technically, only the first two are documents. Your vehicle is the third required item because it needs to be inspected before the loan amount can be determined.

Qualified Arizona borrowers may receive between $300 and $15,000>*, subject to vehicle evaluation, eligibility, and approval.

Here's what each item is used for and what to do if your title or identification isn't ready.

What Do You Need for a Title Loan in Arizona?

Before starting a title loan inquiry, make sure you have the title loan requirements ready.

For an Arizona title loan, you generally need:

• A driver’s license or state-issued ID
• A lien-free vehicle title in your name
• Your vehicle for inspection

These items help a representative confirm who you are, review your title, and inspect your vehicle.

Having the required items does not guarantee approval, but it can help make the process easier to understand.

1. A Valid Government-Issued Photo ID

Common options include:

• Driver’s license
• State-issued ID
• Passport

Any government-issued photo ID that verifies your identity, age, and name is acceptable.

2. A Lien-Free Vehicle Title

You must bring a clear, lien-free title in your name. This is what allows the title to be used as collateral for your loan.

If your title is damaged, missing, or unreadable, get it replaced first.

If you need help replacing your title, here’s a step-by-step guide on how to get an Arizona car title replacement.

3. Vehicle for Inspection

The third item you need is your vehicle.

A Fast Auto Loans, Inc. representative will inspect the vehicle to help review its current value.

The inspection may look at things like:

• Vehicle year
• Make and model
• Mileage
• Mechanical condition
• Cosmetic condition
• Current value

The vehicle inspection helps determine the amount that may be available if you qualify.

Not every applicant qualifies for the same amount, and approval is not guaranteed.

Additional Requirements for a Title Loan

Besides having the necessary documents, your vehicle will need to undergo a brief inspection to determine its condition and value. This step helps us calculate how much you can borrow through your title loan.

• Vehicle Inspection: A Fast Auto Loans, Inc. representative will inspect your car's make, model, year, and condition to assess its value using a national pricing guide.

Can I Still Get A Title Loan Without a Driver’s License?

You can still apply for a title loan even if you don’t have a valid driver’s license. Even though this is a loan using your car – which means you more than likely have a driver’s license – that doesn’t mean that this is the only form of ID we accept. If, for whatever reason, you don’t have your license when we meet, you can use another valid state-issued ID in its place. Just make sure your photo is on that ID and that we are able to verify your name and your age.

What If the Car Title Isn’t in My Name?

Suppose your car title isn’t registered in your name. In that case, you must first have it transferred to you at your local DMV office. You may visit the Arizona DMV to find out how to transfer the title. Otherwise, you can’t continue with your application. Your title is what lets people know that you legally own the vehicle. Without it in your name, there is no way to verify that the car is legally yours. Keep in mind that the transferring process might take a bit of time to complete. But once it’s done, you can use your title to apply for a title loan.

Can You Still Start With Bad Credit?

Borrowers with different credit backgrounds may be able to start a title loan inquiry.

A title loan is based partly on a qualifying vehicle title and vehicle evaluation, but that does not mean approval is automatic.

The review may include:

• Your required items
• Your vehicle’s value
• Your application information
• Your ability to repay
• Other requirements

Ask a representative what information is currently reviewed for your situation.

How To Apply For A Title Loan in Arizona

By now, you should feel confident that we’ve answered the question “what documents do I need for a title loan?” for you to prepare. Now all that is left is for you to get your title, ID, and car ready for the loan process. And once you have all the necessary documents prepared and ready to go, you can apply for an Arizona title loan at Fast Auto Loans, Inc. by following these steps:

• Step 1: Firstly, submit the online form on our website with your necessary details. That will include your name, contact information, and details about your car (e.g. make, model, year).
• Step 2: Soon after that, a helpful loan representative will call you to discuss your application. They’ll make sure you have everything you need to proceed, then they’ll help you set a time and place to meet in person – which can either be the nearest store location or somewhere else.
• Step 3: At that in-person meeting, the representative will verify your documents and inspect your car. They’ll also help you finalize your application if you are approved for the title loan. This will include some simple paperwork and going over the loan terms.
• Step 4: Once you understand all the loan terms and you’ve signed the paperwork, you’ll get your money fast, possibly as early as the same day or by the next business day.

Ready to Get Started? Apply Today!

As you can tell from this article, you don’t have to spend too long asking “what documents do I need for a title loan?” when you come see us, at Fast Auto Loans, Inc. Our list is short and easy to remember so you can make sure you are as prepared as possible. So don’t wait any longer to fill out the online form. It won’t take long before you’re working with your title loan representative to find out if you qualify for approval!

Frequently Asked Questions About Arizona Title Loan Documents

What documents do I need for a title loan in Arizona?

Fast Auto Loans currently lists a driver's license or state-issued photo ID and a lien-free vehicle title in your name. You'll also need to bring the vehicle for inspection.

Do I need a driver's license for a title loan?

Not necessarily. Fast Auto Loans currently allows a driver's license or a state-issued photo ID as the standard identification requirement.

Can I use a passport as my title-loan ID?

A passport isn't currently listed among Fast Auto Loans' standard published title-loan ID requirements. The site identifies a driver's license or state-issued photo ID. Confirm any alternative ID with a representative before your visit. 

Does my car title need to be lien-free?

Yes. The qualifying vehicle needs to be owned outright and the title should be free of active liens. 

What if my title isn't in my name?

You'll generally need to complete an ownership transfer before using the vehicle for a title loan. Arizona MVD offers online eTitle Transfer for qualifying transactions, while some situations require an MVD or authorized third-party office.

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