Wondering what the requirements are for a title loan in Arizona? If you're postponing your application because you're unsure about the title loan requirements, we’ve got you covered. At Fast Auto Loans, Inc., we’ve streamlined our process to make getting a title loan as quick and convenient as possible.

That streamlining included optimizing the requirements list, so you don’t have to worry about having trouble remembering it. If you have ever asked, what documents do I need for a title loan, this guide will walk you through the basics and help you understand how title loan works in Arizona.

Easy Car Title Loan Requirements in Arizona

We’ve done our best to simplify the process for our clients so you understand what you are getting into with this loan. The list of requirements for Arizona title loans you need to keep in mind when applying at Fast Auto Loans, Inc. are as follows.

1. Be Over 18 Years Old With Valid ID

When it comes to our fast cash title loans, you must be of legal age to even be considered for approval. This means you must be at least 18 years old at the time of filling out our online form. And you must also have an ID to prove your age. At Fast Auto Loans, Inc. you can use either a state-issued photo ID or a driver’s license – whichever is more accessible for you at the moment works for us.

At Fast Auto Loans, Inc., you can use either a state-issued photo ID or a driver’s license. Whichever is more accessible for you at the moment can work.

2. You Must Outright Own Your Car

When it comes to our Arizona title loan requirements, you must pay your car off fully. Car title loans AZ are specifically designed as loans for car owners. To be eligible for the loan, the car you’ll be using must be in your complete ownership.

This means if you are not finished paying off your vehicle, you cannot use it for this kind of loan. And since you are using the title as collateral, it must be free of any liens or judgments against it.

3. Car Title Must Be In Your Name

Another one of our Arizona title loan requirements is your name must appear on the title. The car title in question will act as collateral and stay with us for the duration of that loan payoff. This means that not only does the title need to be lien-free, but it also needs to be in your name.

Even if you’ve been the de facto owner of the car and driven it around for years, you still won’t be able to use it for your loan if the title is in another person’s name. You can, however, transfer the title to your name right before applying for the loan. You’ll need to visit the DMV for it. Once the transfer is complete, you can use the title for the loan as you see fit.

Also keep in mind that if your name appears with another person’s name, you can still use that title as collateral. If the word “and” appears between the names, you will need that other person to also sign off on the loan. If the word “or” appears, you only need one of you to sign off on the title loan.

4. Your Car Is Required For Inspection

While the title loan process begins online and over the phone, you will need to have a meeting with the loan representative so they’re able to inspect your car. This inspection allows us to determine the maximum loan amount you could qualify for – if you were to get approved.

The amount will be determined by a combination of factors, including the resale value of your car and its condition as evaluated by the representative.

If you are trying to understand how title loan works, this is one of the most important steps. The vehicle inspection helps determine how much you may be able to borrow.

5. No Credit Check Required

Good credit is not on the Arizona title loan requirements list. In fact, you can qualify for Arizona title loans even if you have poor credit. Fast Auto Loans, Inc. is open to potential borrowers of all credit types. We don’t even report your loan to credit agencies. This means the title loans with no credit check will have no impact – either positive or negative – on your credit at all.

6. You Don’t Need To Be Actively Employed

You do not have to worry about us having employment as one of our Arizona title loan requirements. As a title loan is secured by the collateral you provide – your car title – we do not require you to be employed. We don’t even ask you to provide proof of income at all. As long as your required items are up to par, you can just make sure you have a secure way to repay the loan.

As long as your required items are up to par, you can focus on having a secure way to repay the loan. That can be especially important for borrowers who are dealing with a temporary financial setback.

Get Started On The Car Title Loan Process Today

Once you understand the Arizona title loan requirements, you are ready to get started on the process. The first step is to make sure you’ve got your required items ready. To reiterate, you’ll need to bring in:

• A state-issued ID or driver’s license;
• Your car, truck, or SUV for inspection;
• The vehicle’s lien-free title in your name.

You can easily start the loan process online by submitting a filled-out form on the website. Once the form gets processed, a loan representative should contact you with further instructions.

After they’ve made sure you’ve got all the necessary information about the loan process, the representative will set up a meeting with you at a convenient location – which can either be at your local Arizona title loan places near me or we could come to you if you do not wish to visit our store.

You’ll need to take the required items to that meeting – whether at the store or not – and let the loan representative assess everything. The representative will determine if you qualify for the loan and for how much.

If they approve you, you’ll finish the final paperwork then and there. The entire process takes, on average, around 30-45 minutes. Once complete, you can either get the money on the same day or the next bank business day.

Get The Title Loan You Need Today

Now you know how to qualify for a title loan in Arizona and the simple requirements needed for car title loans AZ from us at Fast Auto Loans, Inc., all that is left to do is get started!

Get the help you need today with your emergency expenses with an auto title loan. Fill out our online form now to get started.

Title Loan FAQs

What are the main Title Loan Requirements in Arizona?

The main Title Loan Requirements are being at least 18 years old with valid ID, owning your vehicle outright, having the lien-free title in your name, and bringing the vehicle for inspection.

What documents do I need for a title loan?

If you are asking what documents I need for a title loan, you generally need a state-issued photo ID or driver’s license and a lien-free vehicle title in your name, plus your vehicle for inspection.

How title loan works in Arizona?

If you want to know how title loan works, the process usually starts online, continues with a phone call from a representative, and then moves to an in-person meeting where your documents and vehicle are reviewed.

Do I need good credit to apply?

No. Good credit is not one of the listed Title Loan Requirements, and all credit types may be considered.

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