Car Title Loans In Tempe AZ
Apply anytime with Express Car Title Loans to get a same day title loan in Tempe. We accept all types of vehicles as collateral and most customers can qualify with a credit check!
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- No Faxing Required
- No Need To Check Your Credit
- Loan Amounts Up To $50,000
- Instant Online Approval
Rates & Terms To Expect With A Car Title Loan In Tempe
The APR for a title loan in Tempe is based on short term lending regulations in Arizona. As a state-licensed lender, we're subject to interest rate caps and underwriting requirements. Expect an interest rate of around 75% from Express Car Title Loans with loan repayment terms of 2 to 4 years.
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 of your vehicle to validate its state. We will let you know if an inspection is required during the process.
Can I Refinance An Existing Title Loan With Express?
Although refinances are a more limited option than getting a regular title loan, you can still apply with us and evaluate what you need. Don't hesitate to apply or call us. We will happily guide you through any doubts or questions and see if you can refinance!
What Are The Benefits And Drawbacks 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 it can be hard to get a loan in Tempe if you don't have a FICO score of 700 or higher. Car title loans are available for people with poor credit and most customers can rebuild their credit while making payments on a title loan.
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.
Some of the drawbacks:
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!
We can get you approved and funded for a title loan in Tempe. All we need is your car's pink slip and income verification. 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!
