Car Title Loans In Tempe AZ

Tempe Title Loans - What's Required

Vehicle Under Your Name: The vehicle's title must be under your name and fully paid off, with no other loans, cosigners, or lienholders that can claim the vehicle. 

Income Verification: You need proof that you can make the monthly loan payments. Bank statements or payroll receipts are valid options. 

Vehicle Registration: We must ensure your vehicle is registered with the Arizona DMV. 

Insurance Policy: With an insurance policy, we know your car is protected against any possible incident, securing the best possible loan amount for your vehicle.

Residency and Identification: You can get a car title loan in Tempe, AZ, with a valid driver's license or ID document showing that you live in the city or state.  

Vehicle Inspection: We provide secure and fast vehicle inspections to ensure your car matches the value in our database. This process can help you secure a higher loan amount. It only takes 30 minutes or less and can be done in our multiple locations.

Do I Need To Bring My Vehicle In For An Inspection

The inspection is usually the final step if we can't verify that your car is in good condition. Sometimes, we only need to see recent photos or full-length video of your vehicle to verify its current value. We will let you know if an inspection is required during the process. Even if you need to bring in the vehicle for inspection, this is typically a quick process that takes less than 30 minutes. We have inspection locations throughout Arizona, and most applicants in Tempe can complete their inspection and sign the loan docs during the same visit.

Can I Refinance An Existing Title Loan With Express?

Yes, a refinance is a great option for anyone dealing with the stress of a high-interest title loan. We talk to people who have interest rates of nearly 100% on a title loan. Most are surprised to find out that we can not only reduce their APR but also get them a quicker repayment term with a title loan refinance in Tempe. Don't hesitate to apply or call us at 888-864-7180 to see exactly how much you can save with a no hassle refinance. 

The Benefits  Of Title Loans In Tempe

Get the money fast: Our process is designed to get cash for your vehicle in 24 hours or less. If your vehicle has equity, you can skip the hassle of verifying whether you qualify for a loan from banks or other lenders! 

Everyone can qualify. Many banks require a good credit score, and getting a loan in Tempe can be hard if you don't have a FICO score of 700 or higher. Car title loans are available for people with poor credit; most customers can rebuild their credit by making monthly payments.

High Loan Amounts: Your vehicle often has significant equity. Some cars are worth more than $10,000, which means a loan of $4,000 or more is possible. Compare these funding amounts to payday loans and installment loans that max out at $1,000.

Drawbacks Of A Title Loan In Tempe

High Interest Rates: Everyone knows that title loans are associated with high interest rates and there's really no getting around this fact. Since a title loan in Tempe doesn't require a credit check, there's more reliance on having equity in your vehicle and your credit score is far less important. This means there's far more risk for a lender offering $1,000 or more to someone who otherwise wouldn't qualify for a personal loan. The good news is that your APR doesn't always need to be high and Express Car Title Loans has some of the lowest rates in Arizona. Call us at 888-864-7180 to get a same-day quote for a title loan in Tempe, and we can also get you a refinancing estimate to lower your rates in minutes.

Repayment Requirements: Since we offer a fast process, our loans can have quick repayment windows. That means your monthly payment can be significant, so you must ensure you can afford the required payment.

Your Car Is The Collateral: Although you keep driving your car, remember that if you miss payments, we might inform you about the car's repossession. That, of course, is not possible if you apply the payments on the agreed period. 

Apply with Express Car Title Loans Today!

Express Car Title Loans can approve and fund you for a title loan in Tempe in less than one business day. We only need your car's pink slip, proof of registration, and income verification. Send us those documents and we'll do the rest to fund your loan! Call us at 888-864-7180 to borrow $500 or more in AZ, and we'll get you a lending estimate in minutes. Apply today!