Title Loans With Fast Approval In Flagstaff, AZ
Northern Arizona is a large part of the state, but finding a local lender that offers car title loans can be challenging. Your best bet to cash out equity from your vehicle is to apply with Desert Title Loans online and finish the inspection and lien transfer at a local lending location in Flagstaff.
Title loans are possible for anyone with a vehicle worth $3,000 or more, and as of 2025, we now offer pre-approval in minutes for registration loans and title loans in Arizona.
While most customers apply for a title loan online or by calling 623-526-5001, some applicants prefer to apply for a loan in person. As of 2025, Desert Title Loans offers in-person approval for anyone in Coconino County. Feel free to stop by our Eastside Flagstaff office anytime during regular business hours to get cash for the equity in your car or truck. We'll process your application in 30 minutes or less and can inspect your vehicle on-site.
Our Location In Flagstaff:
2501 N Fourth St, FL 1, Ste. 18-B
Flagstaff, AZ 86004
What's Required For A Title Loan in Flagstaff
To qualify for a title loan in Flagstaff, you need a vehicle titled in your name and proof of monthly income of at least $2,000. Your vehicle should be 2012 or newer, have less than 150,000 miles, and must pass a physical inspection. Verify income with proof of employment, bank statements, or Social Security records. Other requirements may include proof of vehicle insurance and proof of registration from the Arizona MVD, and some lenders require that a GPS tracking device be added to your vehicle.
Do you need your funds in 24 hours or less? Title loan companies in Flagstaff, Williams, or Prescott can send your cash through direct deposit within one business day. If you need it even quicker, you can apply online with us, and we'll connect you with a local lender! You can apply for a title loan online, finish the underwriting, and get your funds in just a matter of hours from a title loan company in Flagstaff! Call Desert Title Loans at 623-526-5001 during regular business hours, and we'll get you started on the application process!
Car Title Loans in Flagstaff With Bad Credit
Getting an unsecured loan can be tricky if you have bad credit. Even if approved, the loan amount will probably be capped at a few hundred dollars. Personal loans use your credit history when underwriting a loan, and they are far more likely to deny someone with a low FICO score.
With a bad credit title loan from Desert Title Loans, your car is the collateral, and lenders offer higher loan amounts and know they can always turn to your vehicle as security. Desert Title Loans is a leading provider of title loans to people with bad credit in Flagstaff. Here are some tips to get a title loan in Flagstaff even if you have poor credit:
1. Car title loans can be a great alternative to payday loans: Payday loans are designed for borrowers with bad FICO. The APR on these loans is high, but they can be a decent option when facing a financial emergency. Compare that to a title loan, which has a lower interest rate than payday loans, and you can probably borrow a more significant amount of money. Loan amounts on title loans in Flagstaff range from $1,000 to $20,000; your final funding amount depends on your vehicle's equity value. You can also look into a registration loan of $300 to $2,000 that doesn't require collateral in the form of a car.
2. Look at your vehicle's equity: Title loans use your car as collateral, and lenders will offer 40-50% of the car's value as a loan. Title loan companies in Flagstaff often won't check your credit score as they are primarily interested in how much your vehicle is worth.
3. You can refinance a title loan even with poor credit! Contact Desert Title Loans at 623-526-5001 to see how much we can reduce your interest rate on an existing car title loan. Refinancing can help anyone who's dealing with a high-interest title loan! There's a good chance we can lower your monthly payment and get you a quicker payoff term; all it takes is 30 minutes to get a quote.
Interest Rates With A Flagstaff Title Loan
The rates for title loans in Flagstaff are based on the vehicle's resale value and your monthly income. With any car title loan, you should expect an APR of 30% or higher, and some companies charge upwards of 120%!
The interest rates on title loans can be lower than what you would get with an unsecured loan. The amount borrowed is often secured by your car, and that's why a lender is more willing to offer higher loan amounts without a credit check. As a result, the APR may be lower than what you would pay for an unsecured loan, even if you had decent credit!
Title Loans Without A Pink Slip In Flagstaff
Are you looking to borrow $1,000 or more with a Flagstaff title loan but don't have the pink slip for your car? Maybe you still owe your original lender or recently took out a title loan from another company in Arizona. In situations like this, Desert Title Loans may be able to help! While most lenders require a pink slip as collateral, there are some ways to get approved if you still owe on the original balance.
If you're still making payments on your original car loan, we can roll that amount into your balance on a new title loan. We can also pay off your original lender and get you new repayment terms if you already have a title loan. We only need to know your current lending terms and how much you still owe to make it work. Contact Desert Title Loans in Flagstaff at 623-526-5001 to determine if you qualify for a title loan without a pink slip!
Apply With Desert Title Loans In Flagstaff
Are you ready to get a quote for a car title loan? Apply online with Desert Title Loans, call 623-526-5001, or visit our location in East Flagstaff to start your application!
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