FAQs

FAQs

Frequently Asked Questions

Car title loans are a great way to leverage the value of your paid-off car in order to quickly get the money you need. However, you might have a few questions in mind before getting started. If so, take a look at our most frequently asked questions below or feel free to give us a call.

A car title loan is an easy way for people to get money quick in times of financial need. You receive a loan based on the value of your car, truck, motorcycle, RV, trailer, ATV, etc. We place a lien on the title to your vehicle as collateral during the duration of the loan. Once you finish paying off your loan, we will release the lien. Learn more about how it works.

At Southwest Title Loans, car title loans can take as little as 20 minutes.

If you’re only a few payments away from paying off your vehicle, Southwest Title Loans can sometimes roll those final payments into your new car title loan. This allows you to consolidate your payments while getting the money you need. Contact one of our customer service representatives to determine if you qualify.

We can help you move from your current car title loan company to Southwest Title Loans by refinancing your vehicle. Give us a call at 623.266.9163 to see how we can help.

At Southwest Title Loans, we do not charge any fees for loan origination.

Loan payments generally start 30 days after you’ve accepted the loan.

If you miss a title loan payment, we make every effort to work with you. However, by accepting our auto title loan, you place your vehicle as security for your loan. Therefore, Southwest Title Loans may seek to obtain possession of the vehicle if you default on your title loan.

No. At Southwest Title Loans you only pay interest on the loan amount left on your title loan.

No, applying is free. We do not charge any fees to see if you qualify for an auto title loan.

We’ve accepted a wide range of vehicles that vary in year, make, model, and condition.
Southwest Title Loans does not charge a fee to find out how much your car is worth, so you can always see how much your vehicle is worth for free.

You can borrow as little as $300 and as much as $50,000. Our car title loans are based on the value of your vehicle.

Yes. At Southwest Title Loans, you never have to wait for someone in another office to approve your car title loan. After coming in once for your vehicle inspection, we will fund you the loan on the same day.

We do require an Arizona Certificate of Title. However, converting an out of state car title to an Arizona title is possible. Give us a call at 623.266.9163, and we can help you.

If you have a newer car with few payments left, we can sometimes work those payments into the car title loan. Give us a call at 623.266.9163, and we can help you.

In the state of Arizona, all titles with liens are held by the Arizona Department of Motor Vehicle (AZDMV). With Southwest Title Loans, once your loan is paid off, we file an electronic lien release. This allows you to get your title back free and clear, and efficiently as possible. This method also frees you of any fees that you would normally incur from the AZDMV to get a title back.

Applying for an auto loan is easy. First, you’ll complete our online form or call 602.730.8005. After, we’ll meet at one of your many locations throughout the Valley. For approval, you’ll need your ID, proof of income, proof of residence, vehicle title, and vehicle. The entire process can be completed in as little as 20 minutes. Apply now online, or call us at 602.730.8005.

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