Car Title Loans

  • Get up to $25,000 online
  • No credit checks required
  • No store visit required
  • Keep driving your car while making payments
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Won't affect your credit score

Online title loans in Arizona

Get the money you need without the hassle. Sound Financial makes applying online for a title loan in Arizona simple, safe, and secure.

Instant decisions

Apply online and get an instant decision within seconds.

Same-day funding

Get your funds deposited in your account as soon as today.

Secure application

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Arizona rates and terms

Full transparency is our goal at Sound Financial. Get access to the interest rates and terms to help you make a sound financial decision.

Loan amount

$200 - $25,000

Repayment term

30 - 180 days

APR range

36% - 350%

* Loan amount, repayment term, and APR shown are for representative purposes only. Your actual rates and terms will be determined by your lender based on your creditwortiness and other factors.

How title loans work in Arizona

A title loan is one of the easiest and quickest ways to receive cash by using your vehicle to obtain the loan. It's hard to apply for a traditional bank loan, especially if you have bad credit history. However, whether you need funding for an emergency repair, surprise bill, or other expenses here in the beautiful Grand Canyon State, you can still qualify for a title loan even with bad credit.

What is a title loan?

A title loan is a convenient way for people who own their vehicle to receive cash. If you own your car outright and have the vehicle title in your possession, you can use it as collateral to secure the funds you need. After you're granted approval and receive cash, you will be responsible for paying the loan back through a repayment system that works with your finances.

Keep in mind that car title loans are short-term loans that typically carry a high-interest rate and you risk losing your vehicle if you don't repay your lender in full.

Learn: Can you get a title loan with bad credit?

Arizona title loan requirements

The best thing about title loans is that there are fewer requirements than a traditional bank loan. The following are what you need to have on-hand to secure your loan:

  • An Arizona driver’s license or state-issued ID
  • A lien-free vehicle title
  • Proof of income
  • Proof of residency in Arizona
  • A running vehicle

Learn: Can I get a title loan without the title?

In addition to these requirements, you must be over the age of 18 and not actively serving in the United States military.

The title loan process

Securing a title loan is simple and can be completed in less than an hour. There are six steps to complete in the application process:

1. Application

Fill out an application online and tell us about yourself and your vehicle.

2. Verification

Lenders will verify the information you provided on the application and ensure its accuracy.

3. Inspection

At this step in the process, lenders will verify that your vehicle is in good working order, safe to be on the road, and assess its value to determine how much you can safely borrow.

Learn: Can you get a title loan with a damaged car?

4. Agreement

After your application receives approval and your vehicle has been deemed safe and in workable condition, your lender will create a contract outlining the terms of your loan agreement, including the amount, interest rate, and the repayment process.

5. Disbursement

At this point, you will receive your funds either directly or indirectly, such as through a wire transfer to your bank account.

Learn: Can you get a title loan without a bank account?

6. Repayment

After you receive your money, you'll be required to make payments according to the schedule outlined in your loan agreement. When you've completely paid off the loan, you'll get your title back from your lender.

Learn: What happens if you don’t pay a title loan back?

How title loans are regulated in Arizona

Title loans in Arizona are currently regulated under Arizona Revised Statutes § 44-291 et seq.

Interest rates

The maximum interest rate for a car title loan in Arizona is 17%. You must also be given a clear explanation about the monthly or annual financing rate.

Payment terms

In Arizona, you are entitled to request a written statement explaining the due dates for repayment as well as the amounts. In addition, you have the right to request a receipt when providing cash repayments in case of a later dispute.

Repossession laws

If you happen to default on your title loan, your lender then has the legal right to seize your vehicle. While default occurs when you do not make the required payments, failing to maintain insurance or meet any other requirement stipulated in the contract may also be considered a default.

Per Arizona law, your lender must not "breach the peace" upon seizing your vehicle and must provide you with notice before repossession. Additionally, they must get a court order before taking possession of your car.

Cost considerations and title loan alternatives

The cost of a title loan in Arizona is dependent on your loan amount and your APR. Here are a few examples to help illustrate the true cost of a title loan.

  • Example 1: You borrow $2,000 at an APR of 300% and pay it back in 30 days.
    If you took out a $2,000 loan and paid it back in 30 days, you would pay a total of $2,500 back to your lender in 1 payment. In this example, you’re paying $500 in finance charges to borrow $2,000.

  • Example 2: You borrow $2,000 at an APR of 300% and pay it back in 6 months.
    If you borrowed $2,000 and paid it back in 6 months, you would pay a total of $4,065.83 back to your lender in 6 payments of $677.64. In this example, you’re paying $2,065.83 in finance charges to borrow $2,000.

Personal installment loans: A better and more affordable way to borrow money with bad credit

If you're in need of cash but do not want to apply for a title loan, consider applying for an online installment loan instead.

An installment loan does not require collateral. However, it does require a credit check. An installment loan allows you to borrow a predetermined amount comparable to a title loan. It can also help you build credit.

Frequently asked questions

Here are some of the most commonly asked questions that we get regarding Arizona title loans.

Can I qualify for a title loan with bad credit?

Yes! Your credit score will not affect your ability to apply for a title loan.

Can I get a title loan completely online with no credit check and no inspection?

Yes! You can apply completely online without having to worry about credit checks. However, a vehicle inspection is an essential part of the loan application process in order to determine your vehicle's value and the amount you can borrow.

Will I receive the funds from my title loan instantly?

If you apply before 2 p.m. EST and complete all the steps, you will usually receive your funds that same day.

Do you offer car title loans near me?

Yes! We offer title loans nearby through direct title loan lenders in many cities in Arizona, including:

  • Apache Junction
  • Avondale
  • Buckeye
  • Bullhead City
  • Casa Grande
  • Chandler
  • Douglas
  • El Mirage
  • Eloy
  • Flagstaff
  • Glendale
  • Goodyear
  • Kingman
  • Lake Havasu City
  • Maricopa
  • Mesa
  • Nogales
  • Peoria
  • Phoenix
  • Prescott
  • San Luis
  • Scottsdale
  • Sierra Vista
  • Surprise
  • Tempe
  • Tucson
  • Yuma
Customer reviews

Success stories from real people like you

Read real reviews from the many satisfied customers who chose Sound Financial for a title loan.

Jameson W.
star star star star star

I have taken out a title loan in the past and I can say much better experience with Sound.

Yusef K.
star star star star star

First time getting a title loan and this site made it super easy. They were upfront about fees and payments, which was hard to find, and the process was smooth.

Dennis M.
star star star star star

Best place to get this type of financing, hands down!

George V.
star star star star star

I appreciated the transparency and honesty of this marketplace. No hidden fees or surprises and exceedingly good customer service. A more than positive experience!

Paulina S.
star star star star star

Helped me find the right loan for my situation and did well in answering all my questions. 5⭐s!!!!

Jaime B.
star star star star star

I’ve been around the block a few times w/ these types of online loans and Sound is refreshing. Didn’t feel like I was being taken and it felt like they genuinely had my best interest at heart.

Ian G.
star star star star star

Ran into money trouble and came to Sound Financial for a title loan. Was pleasantly surprised by their quality of service (not typical). Very appreciative.

Creisha J.
star star star star star

Glad to see that there is a company out there that actually cares for borrowers with bad credit. 🤗❤️ Thank you!!

Antoinette C.
star star star star star

M/O 3 here with lackluster credit, so a title loan was my only resort. Sound helped me find a lender AND understand how to properly manage my repayment. Forever grateful.

Roderick T.
star star star star star

PROS: I was able to keep my car, fantastic customer care, site gave me all the pertinent details… CONS: None… Add me to the “another satisfied customer” list.

Arizona title loans in 30 minutes or less.

Get the cash you need with our fast and flexible title loans. Apply now and see how we can help you today.

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