Frequently Asked Questions about Title Loans

Q. What is an Auto Title Loan?
A. An Auto Title Loan is a short term loan that is secured by your motor vehicle title. This is why title loans are often called asset back loans. Southwest Title Loans will loan money on all Arizona titled cars, trucks, SUV’s, classic cars, motorcycles, RV’s, Quad’s, ATV’s, construction equipment, semi’s, trailer’s or airplanes.

Q. Do you do a Credit check?
A. Southwest Title Loans does not do a credit check so your past credit history does not matter when getting a title loan from us.

Q. Does my vehicle need to be paid for?
A. No, usually Southwest Title Loans can work with you to pay off your lender and issue you a new title loan.

Q. Does my vehicle need to have an Arizona Certificate of Title?
A. All Arizona lenders require an Arizona title. If you have a vehicle that has an out of state title we recommend going to the Arizona MVD and registering the vehicle in Arizona.

Q. How quickly can Southwest Title Loans get me my cash?
A. In most cases 20 minutes or less.

Q. How much cash can I get with a quick cash title loan?
A. Southwest Title Loans can loan you anywhere from $100- to $50,000. The amount financed depends on the value of your vehicle. We use Kelley Blue Book valuations and a personal inspection to determine this.

Q. How quickly can I get the cash from my Title Loan?
A. Southwest Title Loans are a great quick cash / emergency cash solution. Funds from your loan are given to you the same day, often in 20 minutes or less.

Q. What if I have bad credit or a bankruptcy?
A. Bad credit and bankruptcy is not a problem here. Southwest Title Loans will not do a credit check. And your credit rating has no affect on the rate you get. In fact the more cash you get from your title loan the better rate you get. Southwest Title Loans is looking for reasons to make title loans rather than not make them.

Q. Do I need an appointment top get a Title Loan?
A. No appointment is needed; The best thing to do is fill out the ez online title loan app on this page, or call us at 623.889.3000. Our title loan associates are always available to assist you during normal business hours.

Q. What if I am not currently employed, self employed or do not receive a regular paycheck?
A. Southwest title Loans wants to work with you. All you have to do is be able to show that you have the ability to pay your title loan. If you have questions on this please give us a call at 623.889.3000.

Q. What if I live with someone else?
A. We would like to see some recent mail that has been sent to your current place of residence with your name on it.

Q. What if I become late on my payment?
A. Southwest Title Loans wants to work with you. If you are late or are going to be late on your title loan payment it is very important to keep in communication with us, we will always try to help.

Q. What is Title Pawn or Auto Pawn?
A. These are other names for title loans. Where southwest Title Loans is different is that we let you keep & drive your car or truck while you have a title loan with us.

Q. Does the vehicle title need to be in my name?
A. Yes. The vehicle title must have you listed as the legal owner of the vehicle that you intend to use as collateral. If you are listed on the title along with another person, you can either bring that person with you or give Southwest Title Loans a call to discuss you options.