HERE'S HOW TO GET A TITLE LOAN IN ARIZONA
Use our online Application or Call Us To Speak With Customer Service
You have many different choices when you make the decision to apply for a vehicle equity loan. Don't make this process difficult by applying with a company you don't feel comfortable with. At Dessert Title Loans you can submit your information online and get approval notification within 20 minutes. You also have the option of talking to one of our customers service reps. We specialize in title loans for consumers in Arizona and we can walk you through the entire application.
Limited Paperwork Is Required To Get You Processed Quickly
The last thing you want to do is apply for an online title loan only to wait days to get an official approval. Here at Desert Title Loans, we strive to make sure that doesn't happen. We do our best to get everything handled quickly in terms of paperwork and required documents. There may be some additional verification and paperwork needed. But we aim to get everything processed within one business day. That way you can move onto funding your loan.
Get Cash in Hand Quickly With Different Funding Options
You have many different choices when it comes to getting the actual cash for your pink slip. After everything is approved and you've signed off on the lending agreement you'll need to decide on how you want your money. Do you want to pick your funds in person at a convenient location in Phoenix? Or do you want the money sent to your bank or checking account? You also have the option of western union or a direct deposit onto a specialized debit card.
About Our Company
At Desert Title Loans our main goal is to make it simple and comfortable for any Arizona resident who's interested in getting a title loan. We all know there are many options for those who are looking to use their vehicle equity as collateral. But there are limited resources when it comes to local lenders here in Arizona. That's where we come in. We specialize primarily in online title loans and are focus is on AZ residents. Whether you live in Tucson, Tempe or Flagstaff, we'll do our best to answer your questions and get you approved for online funding.
We Know What It Takes To Get Approved For Funding in AZ
There's a lot that goes into getting successfully approved for an online title loan. Don't make it more complicated by applying with a site that doesn't know the ins and outs of Arizona lending restrictions. As we focus on Arizona residents, we know exactly what it takes to get you cash in hand in a quick amount of time. Taking out a title loan is not the same as other short term lending options like a payday loan or installment loan. You need to know what a lender requires in terms of documents, collateral and references. We'll guide you through the entire loan application process and make it easy as possible.
Title Loan Details
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Can I submit an application entirely online?
You used to have few choices when searching for any type of short term financing like a title loan, payday loan or cash advance. However, now that most companies are online you can submit everything quickly and get an approval that same day. You also have the option of going to a company in your local neighborhood (There are hundreds of title pawn companies in the greater Phoenix area).
Is there any paperwork to submit with my application?
The number one item that any company will need is your vehicle title. A lender needs to verify you're the actual owner and there are no liens active on your pink slip. You'll need to submit information like proof of insurance and a drivers license to qualify for most pink slip loans. Some companies may require proof of a checking account and personal references for high funding amounts.
Will I need to handover the pink slip before approval?
Yes, the lender will need your auto title to approve the loan. By giving the title loan company your pink slip you are giving them rights to your vehicle. That's why it's important to not fall behind or violate the lending contract. Make monthly payments on time and contact your lender if something comes up. Most companies will send the pink slip back within 30 days after you pay off the loan.
Can I keep driving my car when I get an auto title loan?
Many of the large reputable lenders here in Arizona treat your vehicle title as collateral for your loan. Therefore it's highly unlikely that you'll have to hand over your car as well. After all, how would you drive to work or go about your day to day life without your car? Phoenix is a large area and you need a vehicle to get around. Don't work with a company that treats your title loan like a vehicle pawn.
What type of credit score do I need to get approved?
Title loans are unlike the common personal loans you see offered banks and credit unions. When you use a vehicle as collateral for a loan, your telling the lender to take your car if you fall behind. That's why most companies don't really care what type of credit score you have. Some may still run your credit report or do some credit checks. But it's ultimately going to come down to the equity in your auto.
How long does it generally take to get approved online?
As with any lending decision all approvals are going to be different and come with their own requirements. For example, a lender wants to verify your ability to repay before determining the annual percentage rate. You can often look for a final approval within a few hours of submitting paperwork. At this point you may need to submit to a vehicle inspection and then you can hand over the pink slip.