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 don't 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 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.

  • 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.

  • 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 three hundred dollars and as much as $50,000. Our car title loans are based on the value of your vehicle.

  • 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 602-730-8005 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.

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

When your loan is paid off, we will release the lien on your vehicle’s title.

  • 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 602-730-8005
  • 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.



Do you have a clear Arizona Title?
How much money do you need?

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.