Getting title loans in Mesa, Arizona, can allow you to get emergency cash to pay for financial emergencies, such as medical bills, overdue expenses, and home repairs. Before diving in, there are certain details that you must understand to determine if you can get approved, what requirements you need to meet, and how the approval process works.

In this guide from Fast Auto Loans, Inc., we will explain the essential details about title loans in Mesa, AZ. We will also review where you can get Mesa title loans and how the approval process works.

Title Loans In Mesa, AZ: 7 Details You Need To Know

Car title loans in Mesa, AZ, are easy to get approved for as long as you have fully paid off your vehicle. However, you still must understand some of the critical details about vehicle title loans to help with the approval process. From the required items you need to the process to the time it takes to receive your money, this information can help you better understand this emergency cash loan.

The following are seven essential things to understand about title loans in Mesa, AZ:

1. Simple Title Loan Requirements

Unlike traditional credit union or bank loans, we won't request a long list of required documents that you don’t have quick access to. Our car title loans at Fast Auto Loans, Inc. have a short list of requirements to allow you to quickly get approved and not have to wait weeks for loan approval.

You should be able to quickly access the required items to verify your identity, age, vehicle value, or clear car title.

The following are the three required items for car title loans in Mesa, AZ:

• Your driver’s license or state-issued photo ID to prove you aren’t a minor
• A lien-free vehicle title in your name to use as collateral
• The vehicle that matches the title so that we can quickly inspect it to determine its value

2. You Must Have Fully Paid Off Your Vehicle

We mentioned above that you need a lien-free vehicle title to be approved for one of our Arizona title loans. “Lien-free” means your car is fully paid off and has no outstanding liens, debts, or judgments.

At Fast Auto Loans, Inc., we require title loan borrowers to have fully paid off their cars because we must place a lien on their car title to process the loan. You cannot get approved for title loans in Mesa, AZ, without having paid off your car first.

Your car title must also be in your name. If you got the car as a gift or hand-me-down from an older relative, it may be in someone else's name. In this case, you can head to a local DMV office and pay a fee to transfer the car title to your name.

3. All Credit Types Are Accepted

Banks tend to have stringent credit requirements. Typically, you won't qualify for any sort of funding without a good or excellent score. However, title loans in Mesa, AZ, from us at Fast Auto Loans, Inc. do not require good credit.

You can get approved for emergency cash regardless of your credit score because auto title loans use your lien-free car title to secure the loan. We have security if you cannot repay the loan, meaning we do not need to prove your creditworthiness.

You can borrow bad credit loans from Fast Auto Loans, Inc. in the form of title loans. We also will not report your car title loan to the major credit bureaus, meaning your title loan will not reduce your credit score.

4. You Can Borrow Up To $15,000 Quickly

Borrowers of vehicle title loans from Fast Auto Loans, Inc. can receive up to $15,000 in emergency cash. How much you can receive depends on the value of your car. During an in-person meeting, one of our loan representatives will inspect your car using a nationally recognized pricing guide to determine its value. Your car’s age, make, model, mileage, and condition will determine how much you can borrow.

No matter how much you get approved for, you can receive these emergency funds as soon as the same day or the next business day. This allows you to swiftly handle any urgent financial emergencies without worrying about late fees, service disruptions, or eviction.

5. Borrowers Get To Keep Their Vehicles

You may worry that getting title loans in Mesa, AZ, means giving up your car while making repayments. However, that is not the case, as borrowers get to keep their cars.

We use your vehicle title as collateral, not your car. That means we will keep your car title and give it back after the full cost of the car title loan has been paid back.

During Mesa title loan repayment, you get to keep your car so you can continue commuting normally. Your car is only in danger if you miss multiple payments and default on your loan. Before getting a car title loan in Mesa, AZ, make sure you can reliably make repayments on schedule to avoid losing your car.

6. You Can Get Approved Online Or In Store

If you want a title loan in Mesa, AZ, you have two options: getting approved online or in the store. Online title loans allow borrowers with a busy schedule to get approved from their home or office. You can provide your information online, and one of our loan associates will come to you to verify your requirements.

Those who prefer to go into a store location can do so with Fast Auto Loans, Inc. We have a Mesa store located at 810 W Southern Ave. in Mesa, AZ. We also have stores across Arizona in places like Flagstaff, Tucson, and Yuma. Our store representatives are available to help you handle the approval process for title loans in person.

7. The Title Loan Approval Process Is Easy

Loans are notorious for being long-winded and confusing, but that is not the case with auto title loans in Mesa, AZ, with Fast Auto Loans, Inc. We keep the process straightforward to avoid overcomplicating the steps. We understand you need fast cash and keep the process easy so you can get approved in less than a day.

The following are the steps you need to complete to get approved for title loans in Mesa, AZ:

• You can start the process online by submitting our contact form with your basic information, such as your name, contact info, zip code, and vehicle details. After that, we will call you to confirm the information you sent us.
• During the conversation, we will verify the necessary information to see if you can get approved. We will also review title loan requirements, answer your questions about car title loans, and decide on a meeting location. The in-person meeting can occur at your home, work, or a Mesa store.
• Please bring all your documents and vehicle to our meeting. Once we are in person, we'll verify your title loan requirements and quickly inspect your vehicle to establish its overall condition and resale value.
• If you meet our requirements and get approved, you can sign a few documents to complete the process. You will receive your emergency ash the same day or the next business day.

Apply For Title Loans In Mesa, AZ – Get Approved For Up To $15,000 Today!

Getting title loans in Mesa, Arizona, from Fast Auto Loans, Inc. doesn't take much time or hassle. If you understand the requirements and process mentioned above, you can get approved today and receive the emergency cash you need for your urgent expenses.

If you understand all you need for this fast cash loan, you can submit your information through our online inquiry form today. One of our loan representatives will call you to guide you through the process of getting title loans in Mesa, AZ.

 

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