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Home > Arizona > Phoenix

Title Loans in Phoenix , Arizona

How much cash can i get

Find out now. It's fast, secure & free!

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Location Information:

MC representative


3548 W Cactus Rd
Arizona   85029

Working hours

Mon - Fri: 9am - 7pm

Saturday: 10am - 5pm

Sunday: Closed


Title Loans up to $50,000

Apply Online

3 Easy Steps to Get a Car Title Loan in Phoenix

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Apply now

Apply either online or by phone. Montana Capital is here to help you get the cash loan of your car title fast and secured!

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Get approved

Depending on how much your car is worth, how much money you need and your ability to repay you could get up to $50,000.

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Get your cash!

Have your money sent directly to your bank, debit card or pick up your money at any MoneyGram location near you.

Have a bad credit score?
We will help you!

It’s not that hard as you think! Getting started
is just one click or phone call away

A few simple steps for a free quote

Select the amount of cash you want


Car Title Loans

Online Title Loans

Bad Credit Loans

Payday Loans

Personal Loans



The vehicle’s title

Personal details




Get up to $50,000

Fast, secure & free quote

Online process 24/7

Bad credit – OK

Keep driving your car


  • Apply online or call us
  • Get approved
  • Get the cash loan
  • Keep driving your vehicle

Car Title Loans in Phoenix

Can you get title loans in Phoenix, AZ?

YES! It’s legal and safe to apply for one in Arizona.

Why should you get title loans?

It’s one of the fastest ways to get immediate funds. All you need to do is lend your vehicle title, undergo verification, and voila — there’s your cash.

See how simple the approach is?

If you want to know more about its details, let’s not have you waiting any longer.

What I Will Get From Auto Title Loans

Did you know that you can get a title loan in just 30 minutes?

You heard that right! In less than an hour, you can already acquire your much-requested loan amount. However, that won’t be the main focus of our discussion.

You need to keep in mind that your automobile worth will mainly be the basis of the loan value.

You will mostly enjoy some BENEFITS when obtaining auto title loans in Phoenix, AZ. But remember that there are DRAWBACKS with loans too…


  • Instant cash
  • Fast transaction
  • Easily obtainable requirements
  • Possibility of no credit check
  • Ability to still drive your automobile while undergoing loan payments


  • High-interest rates
  • Potential of car repossession if an auto title loan is not paid
  • Chances of falling into a financial hole if an auto title loan is not paid

Still ready to take the risk? Alright. Let’s move on to the next part.

Getting an Auto Title Loan in Phoenix

In this section, we’ll teach you everything you will need to do to get your loans in Phoenix, AZ.

Please go through each requirement as thoroughly as possible to avoid any problems in the application process.

List of Things to Prepare

To obtain a car title loan, you have to prepare requirements such as…

  • Identification (state-issued ID, driver’s license, etc.)*
  • Clear car title*
  • Vehicle/s (note down the year, make, model, mileage, VIN, license plate)*
  • Proof of ability to pay the loan (payslip, tax return, etc.)*
  • Proof of residence (bank statements, lease contract, etc.)
  • Credit
  • Vehicle registration
  • Vehicle insurance
  • Vehicle key duplicate/s
  • At least two references (must include relationship, phone number, and address)

Application Procedure

Got your documents already? Here’s what you have to do next:

1.) Find a Loan Lender in Phoenix, Arizona

There are several reliable lenders you can find in Phoenix, Arizona.

2.) Complete an Application Form

You have to write down EVERYTHING in the application form!

This includes your personal information, car details, and any other necessary info (which should be written correctly).

All the data you input will help convince the lenders you are a qualified borrower.

3.) Submit the Required Documents

As listed above, you will have to provide everything the lender asked you to gather.

Not all lenders require the same documents. Some might require more paperwork than others and vice versa.

So make sure to inquire first before hurrying to the loaner.

4.) Prepare For a Background Check

Once you pass the verification phase, you will have to get ready for a background check which might involve reviewing your creditworthiness and the automobile’s equity value (EV).

5.) Wait For the Approval

You will have to undergo another waiting period and wait for their call. You can move on to the next step IF you have been approved.

Otherwise, it’s time to bid your application adieu.

6.) Discuss Important Matters

You can start negotiating with the moneylender here. ALL matters regarding payment options, loan amounts, and other title loan-related things go through here.

Your title will also be taken here. You will get it back after you complete your payments.

7.) Get Your Cash

Once you come into an agreement, you can finally get your cash.

It can be of any amount. But of course, not exceeding the maximum value that a loaner can provide you.

8.) Pay the Title Loans

REMEMBER: Loan payments REMAIN your obligation.

Don’t forget to brush up your knowledge on the interest rate and double-check ALL the documents you’ve gathered before turning over your payment.

I Want to Know More About…

How High Interest Rates Are in Phoenix, AZ

Title loans are costly. In Arizona state, there is a rate cap that loan companies can charge.

However, hidden and additional cash payments could also be requested a few days before the loan term ends. Just be aware of that before signing the contract.

IN OTHER CASES: If you can’t submit a title loan payment at all, the loan company will have you renew the loan. But there would be an additional rate at your next due date.

Loan companies might increase the percentage rate to about 5 percent or more if you fail to send the payment on time.

Chances of Obtaining a Loan With a Bad Credit

People with negative creditworthiness don’t have a zero percent chance of loans. It is still workable if you can present enough proof that you can make a loan payment.

When Can I Apply For Another Loan

As soon as you have finished your loan payment. There is no waiting period with title loans.

FRIENDLY REMINDER: You cannot simultaneously have 2 or more active loans on the same automobile.

However, if you have another automobile (and its title), you can approve the two ongoing loans from the same money lender.

Possibility of Getting Loan Approval When I’m Unemployed

It is still possible to get loans even without a job. Again, you can acquire one as long as you have the means to pay back the loaner.

Getting the Loan Without Bringing in My Vehicles

It’s also completely fine to receive the loan even if your vehicles are not present. The only requirements you will need to meet are:

  • You should own the automobile
  • It should have a lien-free title
  • You should have access to it

Though you will have to go through the online way completely.

Eligible Vehicles I Can Pledge

Vehicles such as motorcycles, trucks, vans, and any other types are alright. Just make sure it has a clean title.

It also pays to keep it in good condition for you to borrow a higher loan amount.

Final Thoughts

Is everything clear to you now?

As you have just seen, it only takes a quick and simple process to get instant cash.

This can be your go-to solution if you are in a pinch. However, you should also consider the drawbacks we have mentioned earlier.

It’s all good until you reach the payment stage. It will cost you more than what you’ve borrowed. So it’s better to ensure you have the capability to repay the loan before you drown in debt.

Think before you act.

Related Locations


1923 N Scottsdale Rd, Scottsdale, Arizona 85257
View Location


1010 W Broadway Rd Suite 2, Tempe, Arizona 85282
View Location


3170 N Arizona Ave, Chandler, Arizona 85225
View Location

Have a bad credit score?
We will help you!

It’s not that hard as you think! Getting started
is just one click or phone call away

A few simple steps for a free quote

Select the amount of cash you want

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