Enter your vehicle's year, make, model, and mileage to get an estimated title loan value for your vehicle. Our calculator uses current resale values and other factors to give you a general idea of how much you can borrow with a title loan in Arizona. Keep in mind that this is only an estimate, and your final loan amount will be determined by a licensed lender after they review your vehicle's value and verify your income.
Calculate Your Car's Title Loan Value
What Typically Determines Your Loan Amount
The loan amount estimate you see in our title loan calculator is primarily based on your vehicle's resale value. Besides the car's value, lenders also look at these additional factors when determining a final loan offer:
Vehicle Value: The year, make, model, and mileage of your car are the primary factors in determining your loan amount. Newer cars with low mileage tend to have much higher values than those that are 10-20 years old with over 100,000 miles. For instance, a 2020 Chevy Silverado with 50,000 miles that's worth $30,000 can lead to a loan amount of well over $10,000. Compare that to a 2008 Ford Focus with 150,000 miles, which is probably worth around $700. In the case of the Chevy Silverado, you can borrow a significant amount with a title loan in Arizona. If you own that 2008 Ford Focus, you're very likely not to qualify because the vehicle's value is too low.
Vehicle Condition: A car in good condition will fetch an appraisal much higher than one that's damaged or can't run due to mechanical issues. Licensed title loan lenders in Arizona often require an in-person vehicle inspection, during which they'll conduct a quick check to assess the vehicle's condition.
Proof of Income: Your ability to make payments on a loan matters, and lenders want to know that you can pay the loan back. It does a lender no good if you get a title loan on a high-value vehicle, but because you have no income, you can't make the monthly payments. Most title loan companies in Arizona require proof of at least $2,000 in monthly income to qualify. Verify your income with pay stubs, bank statements, or social security records.
What's Next After Using Our Title Loan Calculator
Our Arizona title loan calculator gives you a starting point and a general idea of how much you can borrow based on your vehicle's value, but keep in mind this is only an estimate. The value you see here after inputting the vehicle details is still subject to additional verification, and here's what comes next during the pre-approval process:
Apply with Desert Title Loans online or call 623-526-5001: Submit your contact details and vehicle information to get prequalified. After that, we'll connect you with a licensed title loan company in Arizona.
Vehicle verification and loan underwriting: Depending on your loan amount, your lender may require additional documents and an in-person vehicle inspection.
Agree to the terms and sign your loan agreement: Review the rate, term, and payoff amount before signing. With any title loan in Arizona, you have 24 hours to rescind the loan after initial approval with no further penalty.
Receive your funds: Most qualified borrowers can receive their funds via direct deposit or ACH within 1 business day of approval for a title loan in Arizona.
