Trying to get a loan with bad credit can be a stressful experience because traditional banking institutions rely on your creditworthiness for you to get approved. It can feel impossible to get the urgent cash you need for financial emergencies. However, you don’t have to worry when working with Fast Auto Loans, Inc., because of our no credit check title loans. 

This guide will explain how you can get bad credit title loans for fast emergency cash. We will review why you can get approved with bad credit and how you can complete the process today.

Can You Get A Title Loan With Poor Credit?

You can get a title loan with bad credit or no credit at all. When determining whether you qualify or not, the expert will consider many different factors. The value and condition of your vehicle are the main things they will examine. In many cases, you won’t even need to show proof of income. As a result, you may qualify regardless of your current life circumstances.

People with poor credit might find it easier to qualify for a title loan because this type of loan is secured by collateral. The lender keeps your vehicle’s title while you repay, making the loan less risky for the lender.

Therefore, you don’t need to prove your creditworthiness to establish that they can trust you to pay the loan back. They will have your vehicle title, which can recoup their losses if you fail to repay the loan.

Will Title Loans Affect My Credit Score?

Not only can you qualify for title loans with bad credit, but you can also borrow money without impacting your credit score. You might worry that taking on this debt could further lower your already weak score, but that's not the case with fast Auto Loans, Inc.

We don’t perform hard credit inquiries like traditional banks, which can lower your score. If you check your score, it will be through a soft credit inquiry that isn’t flagged by the major credit bureaus. We also don’t report our loans to those bureaus, so your title loan won’t appear on your credit report.

While title loans make things simple for bad credit borrowers, there are still a couple of other requirements you must meet to get approved.

What Are The Eligibility Requirements For Title Loans?

Getting approved for an Arizona title loan means meeting a few eligibility requirements, but these are easy if you have paid off your vehicle. You will only need three items that you should be able to find around the house.

Here are the required items for title loans in Arizona:

• Photo ID - To verify your identity and confirm you’re no longer a minor, you'll be asked to show a state-issued photo ID. You can choose to bring your driver’s license, Arizona state ID, military card, etc.
• Lien-free vehicle title - Only a title without any liens can be used to secure a title loan. If you own the vehicle outright and the title is in your name, you can qualify. If the document does not have your name on it, you'll need to transfer the title before starting the loan process. If you’re still paying for your vehicle, consider choosing a registration loan.
• Your vehicle - Finally, you'll need your car. You must meet in person with a verification agent so they can assess the vehicle. During this process, the loan amount will be based on your car’s age, make, model, condition, maintenance history, and mileage. Remember to bring the title for the specific vehicle you're taking to the inspection.

Once you have these items, you can begin the title loan process online.

How To Get A Title Loan For Bad Credit

The title loan approval process is straightforward, allowing you to get same-day approval for this short-term loan. The process won't be delayed because we don't need to check your credit score. As long as you meet the requirements, you can move quickly through the process and gain fast access to emergency funds.

The following is the approval process for car title loans:

• Fill out our online loan form with your basic information (full name, zip code, email address, phone number, and vehicle details)
• Answer a phone call to discuss title loan terms with a loan specialist
• Visit the nearest Arizona store location with your required items for verification
• Allow the loan rep to inspect your vehicle to determine its value
• If approved, sign the loan agreement to complete the process
• Receive your urgent funds later that day or by the next business day

You can start the process online and get approved at one of our stores in less than 30 minutes. Our fast approval process allows you to get quick access to cash for emergencies. Get your urgent funds within one business day to quickly resolve your financial emergency!

How To Find A Reputable Title Loan Lender

Of course, you'd want to work with a reputable and trustworthy lender, one that keeps its promises, has no hidden fees, and is always there to answer all your questions. Unfortunately, finding such a lender can be quite challenging these days, as many scammers are ready to take advantage of those in vulnerable situations.

You also don’t want to work with a loan lender that does not accept poor credit borrowers. That’s why, no matter how urgent your financial emergency is, you need to take the time to double-check whether the lender you’re planning to work with deserves your trust.

Here are some things you should look for in a title loan lender:

• They are official - State licenses are required for anyone engaged in the business of providing loans. To verify if a company is authorized to conduct business in your state, you can use the NMLS Consumer Access portal. You can also contact the state attorney general’s office directly.
• The company’s website is secure - Ensure that the webpage’s address begins with ‘https’ and that a padlock symbol appears next to it. The lender should also have its business address and phone number mentioned on the website.
• They have transparent terms – If the lender hides their terms on their website, they may be hiding things. You can find out more about them by giving them a call. If you still feel there are things they aren’t telling you, it’s best to find a more trustworthy lender.
• The representatives are friendly and respectful - The professionals should be willing to help you and answer your questions. If the representatives are rude and pressuring you, you need to find another company to work with.

Fast Auto Loans, Inc. is a reliable lender that can help you get approved regardless of your credit score. We have over 30 years of experience in the loan industry, and our friendly loan experts are ready to guide you through the entire process. Browse our website or call us today to learn more!

Get Bad Credit Title Loans In Arizona – Receive Up To $15,000 Today!

Getting a title loan with poor or no credit is not only doable, but also a quick, easy, and stress-free way to access extra cash. With Fast Auto Loans Inc., you could qualify for up to $15,000 in just thirty minutes, no need to worry about your credit score or income.

We are proud to say that all of our specialists are committed to helping you get the cash you need as quickly as possible. Fill out the inquiry form now, and we will contact you soon to discuss the details.

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