Arizona Residents: Unlock Your Vehicle’s Potential 

In the sunny state of Arizona, you can harness the power of your vehicle to unlock the cash you need. With LoanCenter, your car is utilized as collateral to secure your loan. No need to worry about giving up your car – you can continue using your vehicle as long as monthly payments are made.  

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Understanding Car Title Loans in Arizona

In Arizona, where the credit scores of residents can fluctuate, title loans provide an accessible option. As long as you own a vehicle, provide proof of income, and demonstrate your ability to repay, you may be eligible for a car title loan.

The amount of money you can borrow is based on your vehicle’s value.

Your car serves as collateral to secure your loan.

Keep driving your car and possibly enhance your credit score!

What Is a Car Title Loan?

The Ins and Outs of Car Title Loans in Arizona

Traditional loans depend heavily on your credit score, financial history, employment record, and existing debts. However, car title loans operate slightly differently, focusing mainly on the value of your vehicle.

These unique loans, also known as auto title loans, grant you the freedom to spend the money as you see fit. The accessible amount you can borrow is primarily based on your vehicle’s value, instead of solely considering your financial history.

Benefits of a LoanCenter Title Loan

Benefits of a LoanCenter Title Loan

At LoanCenter, we adopt a holistic approach, considering the whole financial picture of a borrower. Regardless of credit score, we aim to provide loans to all Arizonans.

  • Car title loans are easy to qualify for since your car ensures the loan!
  • Our loan application process is quick and convenient, enabling you to receive your money promptly.
  • Our rates for car title loans are competitive, often lower than what our competitors can provide.

When you find yourself in a tight spot or just need some additional cash, LoanCenter is here to help. Our goal is to help Arizonans by providing the credit they need using their cars. Contact us today, and let us put your car to work for you.

Our Auto Loan Process

You may be eligible to borrow money against the equity in your car. With a car title loan, you can borrow cash by applying for a title loan. If you accept your loan offer, you will be approved for a title loan. Finding out how much you qualify for is fast, easy, and free! Find out how much you can borrow by submitting your loan application.


Get Pre-Qualified

Fill out the form or call us at (866) 553-3840


See Your Offers

Let one of our LoanCenter Loan Officers show you how much you qualify for.


Submit Docs

Submit all your documents and finalize your loan paperwork


Get Your Cash!

Receive your cash—it’s
really that easy!

Steps Towards Speeding Up Your Cash Acquisition

If you aim to secure approval quickly:

  • Ensure you provide accurate documents related to your vehicle.
  • Submit all required documents with your application.
  • Usually, you need to supply proof of identification, your vehicle’s title, and proof of ability to pay.

By doing this, we can accurately determine how much you can borrow. Once your application is received, one of our friendly loan officers will reach out to you. You can also call us toll-free at (866) 553-3840 to discover your eligibility over the phone. We are here to assist you! If you agree with the loan amount that you can borrow and would like to proceed with the car title loan application, our loan officer will guide you through the remaining paperwork.

We recommend discussing with a LoanCenter representative to understand what documents you’ll need. Prepare these documents in advance to expedite your application process. This way, our team can review and make a credit decision on your car title loan application as quickly as possible.

If you want to find the LoanCenter closest to you, try using our Licensed Partner Locations tool today.


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What to know more?

Here are some of the articles we’ve written to make things a little easier to understand.

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Arizona Loan FAQs

What are Arizona title loans?

Arizona title loans are short-term loans where the borrower’s vehicle title is used as collateral. The borrower must be the sole owner of the vehicle.

How do Arizona title loans work?

With Arizona title loans, the lender appraises the value of your vehicle and offers a loan based on that appraisal. You offer your vehicle as collateral. If you cannot repay the loan, the lender could repossess your vehicle.

Are Arizona title loans legal?

Yes, title loans are legal in the state of Arizona, but they are regulated. Lenders must adhere to the state’s Limitation on Interest Rates.

How to get a title loan in Arizona?

To get a title loan in Arizona, you need a clear title of your vehicle, identification, and proof of income. You also need to be the sole owner of the vehicle.

What are the interest rates for Arizona title loans?

Interest rates can greatly vary depending on the lender, but they can go as high as 204% annually.

Can I get an Arizona title loan with bad credit?

Yes, you can get a title loan in Arizona even with bad credit since the loan is based on the value of your vehicle and not your credit score.

How long does it take to get a title loan in Arizona?

It usually takes about 30 minutes to an hour to get the loan once you have all the required documents.

Can I get a title loan in Arizona if I don’t have a job?

Yes, you can get a title loan without a job. However, you need to prove that you have a reliable source of income.

How much money can I borrow with a title loan in Arizona?

The amount of money you can borrow depends on the value of your vehicle, but it typically ranges from $100 to $50,000.

Can I keep my car if I take a title loan in Arizona?

Yes, you can keep your car during the loan period. However, if you default on the loan, the lender has the right to repossess it.

Can I get a title loan online in Arizona?

Yes, some lenders offer online title loans. You will need to upload pictures of your vehicle and your documents.

Can I extend or renew my title loan in Arizona?

Yes, most lenders allow renewals or extensions, but this may lead to higher interest rates and additional fees.

Can I have two title loans at the same time in Arizona?

No, Arizona law does not allow you to have two title loans on the same vehicle at the same time.

How to pay off a title loan early in Arizona?

You can usually pay off a title loan early by directly paying the principal amount along with any outstanding interest and fees.

Can I get a title loan on a financed car in Arizona?

No, to get a title loan in Arizona, the vehicle must be fully paid off and the title must be in your name.

Are there alternatives to title loans in Arizona?

Yes, alternatives can include personal loans, payday loans, pawn loans, or asking for help from family, friends or a financial advisor.

What happens if I cannot pay my title loan in Arizona?

If you cannot pay your title loan, your vehicle could be repossessed and sold by the lender to recover the loan amount.

Can I negotiate the terms of my title loan in Arizona?

It depends on the lender. Some might be willing to negotiate terms, but it’s crucial to understand all terms and conditions before signing.

Can I get a title loan on a motorcycle in Arizona?

Yes, you can use a motorcycle as collateral for a title loan in Arizona.

What are the risks of title loans in Arizona?

The main risk is the potential loss of your vehicle if you cannot repay the loan. High interest rates and additional fees can also make repayment difficult.


What is a car title loan?

A car title loan is a personal loan that is secured by the borrower’s vehicle. The loan amount is based upon the vehicle’s value and the borrower’s ability to repay, making your credit score a less important factor. The borrower gets to keep driving the car while the loan is outstanding.

What do I need in order to get approved for a car title loan?

The amount you are approved for will depend on several factors, including:

  • Your Car’s Value
  • State Laws
  • Your Income
  • Type of Vehicle

How much does my car have to be worth?

In general, the car needs to be worth more than the amount of money you borrow. It takes only a few minutes to find out how much you can borrow, and there is no charge and no obligation to find out.

Can I get a car title loan if someone else’s name is on the title with mine?

Yes. We can offer a loan if more than one name is on the vehicle’s title.

Can I get a car title loan if I cannot find the title to my car?

Yes. We may offer a loan if you have lost or misplaced the vehicle’s title.

Do I get to drive my car while the loan is outstanding?

Absolutely! One of the benefits of a car title loan is that you can keep driving your car while the loan is outstanding.

What is the cost of my credit going to be?

The interest rates vary depending on the state of residency of the borrower, creditworthiness, collateral, and the terms agreed to. The annual interest rates vary between 34.99% and 157.99%. For a typical loan of $4,000 with an 80% annual percentage rate and a 24-month term, the monthly payment is $338.61, the total scheduled interest is $4,126.87, and the total of payments is $8,126.64. The interest on the loan may vary depending upon the timing of the payments made.

For Utah residents only please click here to see our Utah Fee Schedule.

For Missouri residents only please click here to see our Missouri Fee Schedule .

Is it possible to have a co-signer on my car title loan?

Yes. You can have a co-signer on your car title loan. The co-signer will need to sign a credit application and provide identification, proof of residence, and proof of income. We keep all non-public personal data private and will not let the borrower see the co-signer’s data and vice versa.

For more questions and answers, head to our Frequently Asked Questions page.

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