Not having your car title can make a title loan difficult.

A title loan generally requires a lien-free vehicle title in your name. If you are still making payments on your vehicle, recently bought a car, misplaced the title, or do not have a lien-free title ready, you may need to review another option.

In Arizona, a registration loan may be one option to consider.

A registration loan uses your Arizona motor vehicle registration as part of the review instead of requiring a lien-free title. This can make it different from a title loan and may help borrowers who do not own their vehicle outright.

Fast Auto Loans, Inc. offers registration loans for qualified borrowers in Arizona. Here is what to know before starting an inquiry.

Can You Get a Loan Without a Car Title?

Yes, there may be an option to review if you live in Arizona.

If you do not have a lien-free vehicle title, a registration loan may be available because it uses your Arizona motor vehicle registration instead of a car title.

This may be helpful if:

• You are still making payments on your vehicle
• Your car title is not lien-free
• You do not have the title available
• You need to review an option that does not require a title loan
• Your vehicle is registered in Arizona and the registration is in your name

A registration loan is not the same as a title loan.

Submitting an inquiry does not guarantee approval, a specific loan amount, specific terms, or funding.

What Is A Registration Loan?

Registration loans are short-term fast loans that are only available in Arizona. Like title loans, they’re a secured type of loan that uses an owned vehicle as collateral. But unlike title loans when you apply for registration loans in Arizona, you use your car registration as a guarantee instead.

Can You Use Your Registration To Appy For A Bad Credit Loan?

Yes! Registration loans in Arizona are just as accessible as standard title loans – anyone can apply for car loan without title regardless of their credit score. Since qualifying requirements are pretty flexible aside from a couple of documents, the lender will do their best to accommodate your circumstances – so you could possibly get approved not only if your credit is bad, but even if it’s nonexistent altogether!

Will Registration Loans Arizona Influence My Credit History?

If you’re wary that applying for a registration loan in Arizona will have a negative impact on your credit, you don’t need to be. The loan will stay entirely between you and Fast Auto Loans, Inc. and won’t get reported to any credit bureaus. This means registration loans in Arizona won’t have any kind of impact on your credit score – either positive or negative.

What Will I Need To Apply For Registration Loans Arizona?

As mentioned above qualifying registration loan requirements for registration loans in Arizona are pretty flexible so the lender will do their best to accommodate you – it’s in their interest to put money in your hands, after all.

However, there are a few qualifiers you can’t skip, which include:

• You need to be at least 18 years old;
• You need to be a car owner – and in possession of vehicle’s registration card;
• You need to be able to pay the loan off one way or another.

Let’s break down how to prove to the lender that you qualify.

1. Provide A Valid State-Issued Photo ID

Despite the lender’s flexibility, they won’t be able to maneuver around this requirement even if they want to. You need to be of legal age – and able to prove it.

Before you apply for an emergency cash loan, make sure you have either a state-issued photo ID or a valid driver’s license that proves you’re at least 18 years old.

2. Provide Your Vehicle’s Registration Card

If you’re unable to find the Arizona registration card – contact your local DMV for assistance. Most states – Arizona among them – require you to fill out a simple registration form and pay a small fee, but the process to get a car loan without title is generally quite easy.

3. Provide Proof That You Can Pay Off The Loan

Generally, as long as you have some means to make payment on the bad credit loan – the lender will accommodate you.

It’s the easiest when you can provide them with your most recent pay stub as proof of active income, but you can apply for registration loans while unemployed as well.

Registration loans can have higher interest rates than other types of loans, but they are generally smaller in amount than car title loans. At Fast Auto Loans, Inc. we have competitive rates and you can be approved for up to $900 in same-day or next-day emergency cash.

Apply For Emergency Cash With Registration Loans Arizona Now – Without Visiting The Store!

As long as you’ve got all the required items, you can apply for a registration loan without much hassle. Just go to the Fast Auto Loans Inc. website and submit the online form. The form will be processed within minutes and soon after a loan representative will contact you to set up an appointment.

Take the required items to the appointment for the loan representative to assess. If you’re approved for emergency cash with this title loan alternative – you can often get the cash the same day, much like a title loan. This entire process typically takes no more than 30-45 minutes. 

Frequently Asked Questions

Can I get a loan without my car title in Arizona?

Yes, a registration loan may be an option to review in Arizona because it uses your vehicle registration instead of requiring a lien-free vehicle title.

What is a registration loan?

A registration loan is a loan option that uses your Arizona motor vehicle registration as part of the review.

Is a registration loan the same as a title loan?

No. A title loan generally uses a lien-free vehicle title. A registration loan uses Arizona motor vehicle registration as part of the review.

Do I need to own my vehicle outright?

Not necessarily. A registration loan may be an option to ask about if your vehicle is registered in your name but not fully paid off.

What do I need for a registration loan?

You generally need an Arizona driver’s license or government-issued photo ID, Arizona motor vehicle registration in your name, an active checking account in your name, and a valid Social Security number.

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