FAQs On Car Title Loans Online & The Car Title Loan Process

Car title loans can be a great way to leverage the value that's in your paid off car and get access to cash for short term cash needs, unexpected bills or other emergencies.

  • How long does a typical car title loan take?

Car title loans with Southwest Title Loans can take as little as 20 minutes.

  • What if I don't own the title of my vehicle?

If you are only a few payments away from paying off your vehicle, and therefore have the car title in hand, the Southwest Title Loans can sometimes roll those final payments into your new car title loan. This way your vehicle is paid off, and you get the cash you need at the same time.

  • What happens if I miss a car title loan payment?

If you miss a title loan payment, Southwest Title Loans will make every effort to work with you. Your vehicle has been placed, by you, as security for the loan. Should you default on the title loan, the vehicle will become the property of Southwest Title Loans.

  • What kinds of fees are there to do a car title loan?

We do not charge any fees.

  • When is my first car title loan payment due?

Your loan repayments start 30 days after the loan has been made to you.

  • If I pay down on the principal of my car title loan, is the interest figured on the original amount I borrowed?

No, with Southwest Finance title loans you only pay interest on the amount of principal left on the title loan. This saves you money as you pay down the car title loan.

  • What is the car title loan term? How do I pay it back?

You call the shots! How do you want to pay back your title loan? We provide our customers the ability to choose from various repayment options.

  • Do you charge anything to see if I qualify for the title loan?

No, we will not charge any fees to see if you qualify for a car title loan.

  • How much does my car have to be worth to get a title loan?

Generally a vehicle should have a minimum current wholesale value of $1000 to qualify for a title loan. Southwest Finance does not charge anything to find out how much your car is worth. We take into consideration such things as year, make, model, and vehicle condition.

  • Do I need to be currently employed to get a car title loan?

No, as long as you have a source of income that will let you repay your title loan. Also poor credit does not make a difference to us because our title loan is a "no credit check" car title loan.

  • Can I be on disability or retirement?

Yes, as long as you can show that you have the ability to repay your car title loan.

  • How much money can I borrow?

You can borrow as little as five hundred dollars and as much as $50,000. Our car title loans are based on the value of your vehicle, not your credit score.

  • What is the minimum I have to pay every month on my car title loan?

Every month you have to pay at least the interest due on your title loan. Anything you pay over that is deducted from the principal of your loan.

  • How much does it cost to get a car title loan?

We do not charge anything for you to apply for a title loan and you can even apply for a car title loan online. In the off chance your application is not approved, you will pay nothing. If you decide not to take the loan after your application is approved, you are not charged anything. We'll be glad to answer any of your questions before you sign the car title loan documents.

  • If I qualify will I be approved immediately for my cash for car title loan?

Yes, with Southwest Finance you never have to wait for someone in another office to approve your car title loan. You can get your cash the same day.

  • Do I need an Arizona Certificate of Title?

Yes, the vehicle needs to have an Arizona car title. However, converting an out of state car title to an AZ title is not difficult. Give us a call at 623-266-9572 and we can help you.

  • Does my car need to be paid off?

If you have a newer car with a few payments left, we can sometimes work those payments into the car title loan.

  • How do you issue my funds from the car title loan?

We distribute funds by check, ACH deposit or wire transfer.

  • How and when do I get my vehicle title back?

When you complete your car title loan by paying it off, we will return your car title to you. Until that time we store it in a completely secure Arizona based location.

  • How do I apply for a loan?

There are 3 ways you can apply for a Southwest Title Loan:

  1. Fill in our car title loans online application
  2. Stop by one of our convenient locations or call us to come to you
  3. Call one of our friendly staff at 623-266-9572
  • What documentation will I need to have ready for my car title loan?
  1. An Arizona Vehicle Title
  2. Government Issued Identification
  3. Proof of Address
  4. Three References
  5. Proof of Income
  6. Insurance (If Applicable)

If you have a co-signer car title loan, we'll need an application from him or her as well as a copy of his or her driver's license, proof of residence, and proof of income.

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Disclosure: This is a solicitation for a title loan. This is not a guaranteed offer and is subject to Southwest Finance, LLC client approval. Actual loan amount subject to vehicle evaluation at inspection and complete and approved application. Certain limitations apply. All loans subject to customer’s ability to repay. Some title loans subject to liberal credit policies and limitations, if any. This site is affiliated with one or more licensed vendors referenced herein. This site is owned and operated by Southwest Finance, LLC, an Arizona licensed sales and finance company. In Arizona: Title loans offered by Southwest Finance, LLC will be made or arranged under the Arizona Division of Financial Institutions License Number 0906948.