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 access to cash, while registration loans can get you the cash you need without having to own your vehicle’s title outright. 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.

With a registration loan, you can get the cash you need fast, and without owning your vehicle’s title outright. This is useful if you’re still making payments on your car, or do not own it outright.

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

If you’re still making regular payments on your vehicle, a registration loan offers the same quick and easy cash process without the need for a title. You’ll simply use your vehicle’s registration as collateral.

If you’re only a few payments away from paying off your vehicle, we can sometimes roll those final payments into your new car title loan. Give us a call at 623.266.9163 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.

Title loan payments generally start 30 days after you’ve accepted the loan. Registration loan payments are due the date of your next paycheck.

If you miss a payment on your car title or registration loan, we make every effort to work with you. However, by accepting our auto title or registration 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 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 or registration 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.

Yes. At Southwest Title Loans, you never have to wait for someone in another office to approve your car title or registration loan. For a title loan, we’ll fund you the money after coming in for a vehicle inspection. For a registration loan, the money will be credited to your account after going through our online application process.

For title loans, 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 are still making payments on your car, a registration loan can be an option. You can leverage your car’s registration in place of a title to get you the cash you need.

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 and registrations with liens are held by the AZDMV. With Southwest Title Loans, once your loan is paid off, we file an electronic lien release. This allows you to get your title or registration 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 a loan is easy. For a title loan, you’ll first need to complete our online form or call 602.730.8005. After, we’ll meet at one of our many locations throughout the Valley. For approval, you’ll need your ID, vehicle title, and vehicle. For a registration loan, all you’ll need to do is apply online and wait for a call back. For both loans, 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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