We often hear from borrowers looking for title loans online in Flagstaff. Northern Arizona contains a large amount of land, but there are very few direct lenders outside of Flagstaff that offer same day cash for your vehicle title. That means you can apply online and then wrap up the vehicle inspection and lien transfer at a direct lending location in Flagstaff. You will keep driving the vehicle, but the lender holds the pink slip as security for the loan amount.
More than half of our clients that apply for car title loans in AZ live outside the metro Phoenix area. This includes Northern Arizona cities like Flagstaff and Williams. A town like Flagstaff will have many retail companies you can meet in person. But many applicants live at least an hour away from a big city lender. People in this situation don't need to worry about what it will take to get fast cash from a title loan service. Most online title loan companies are set up to cater to people who can't come into an office or shop to apply in person. Here's what to expect if you live near Coconino County and want to apply for some short term financing.
Title Loans For Borrowers In Flagstaff, AZ
Let's say you're interested in applying for a loan and reside in Flagstaff, AZ. You can always drive an hour or two south to Phoenix and submit an app with a local lender. We know of dozens of vehicle equity services in Northern Arizona and no citywide restrictions or regulations on secured lending. But the more straightforward thing is to apply online with any direct lenders licensed to provide pink slip funding in AZ. Please take a few minutes and use our online application to apply for a car title loan in Arizona.
Other lending options in Flagstaff include vehicle registration loans. With this loan offer, you use your current registration as security for up to $1,000. You don't need a paid off title, and the lender doesn't require you even hand over the car's title as security. Get your updated registration info and qualify for a vehicle registration loan at the Flagstaff ADOT location.
Are you looking to apply with Desert Title Loans in person? Feel free to stop by our Eastside Flagstaff office anytime during regular business hours. We'll process your application in less than 30 minutes and can inspect your vehicle on-site.
Our Location In Flagstaff:
2501 N Fourth St, FL 1, Ste. 18-B,
Flagstaff, AZ 86004, United States
Other lending options in Flagstaff include vehicle registration loans. With this loan offer, you use your current registration as security for up to $1,000. You don't need a paid off title, and the lender doesn't require you even hand over the car's title as security. Get your updated registration info and qualify for a vehicle registration loan at the Flagstaff ADOT location.
What's Required For A Title Loan in Flagstaff
Some services may require you to fax or email in bank documents, proof of employment, and proof of a checking account. A company often takes an hour or less to confirm whether you can get approved for a car title loan. Once you get notice of acceptance, you must set a time to meet with a company representative. Most services in Arizona make it convenient for the customer as they will come to you. We know of several title loan companies in Mesa with locations where you can meet them. Others in smaller cities like Flagstaff will arrange a time to visit your house.
A lender will often send a notary to have you sign the paperwork and collect the pink slip as collateral, and this is especially helpful in Flagstaff, where many areas are rural and hard to reach. Many large vehicle equity lenders in Flagstaff or Prescott will send the money within one business day, depending on your preference. Do you meet all of the requirements mentioned above? Don't hesitate to call Desert Title Loans at 623-526-5001 during regular business hours and we'll get you started on the application process!
How To Get A Cash Loan in Arizona With Bad Credit Scores
Getting a loan can be impossible when you have a bad credit rating. Fortunately, there are options for those with poor credit in Arizona. Check out our tips below for help in getting a cash loan in Arizona with bad credit scores:
1. Consider auto title loans as an alternative to payday advances: Payday loans are designed for borrowers with bad FICO scores who cannot qualify for personal loans. They are typically small, short term unsecured loans that must be repaid within two weeks to one month. The APR on these types of loans are high, but they can be a good option for those in a bind, and you can borrow more money with a title loan in Flagstaff.
2. Look into vehicle equity: Title loans use your car as collateral, and lenders in Flagstaff will offer 40-50% of the car's value as equity. Title loan companies won't check your credit score; some will even look beyond past bankruptcy. The car's title is what gets you qualified for the loan!
What Are The Fees And Rates With Flagstaff Title Loans
The fees and rates with Flagstaff title loans will vary depending on the lender. However, most title loan companies charge a flat rate for their services. This rate is generally around $25 per $100 borrowed. In addition to this flat fee, you will be responsible for paying interest on the loan. The interest rate on title loans is typically much higher than on traditional loans from banks or credit unions. However, because the amount borrowed is often secured by your car, the lender is less risky if you default. As a result, the interest rate may be lower than what you would pay for an unsecured loan in Flagstaff, AZ, with bad credit.
