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Home > Arizona > San Tan Valley

Title Loans in San Tan Valley , Arizona

How much cash can i get

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

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Location Information:

(888)-700-8900
MC representative

Address

478 W Rhonda View Rd
San Tan Valley
Arizona   85143

Working hours

Mon - Fri: 9am - 7pm

Saturday: 10am - 5pm

Sunday: Closed

Product

Title Loans up to $50,000

Apply Online

3 Easy Steps to Get a Car Title Loan in San Tan Valley

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01

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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02

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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03

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

Services

Title Loans

Cash Loans

Quick Loans

Same Day Loans

Bad Credit Loans

Installment Loans

No Credit Check Loans

Loans without credit check

Personal Loans For Bad Credit

Requirements

Identification

The vehicle’s title

Personal details

References

Ability-to-repay

Benefits

Get up to $50,000

Fast, secure & free quote

Online process 24/7

Bad credit – OK

Keep driving your car

Process

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

Car Title Loans In San Tan Valley, Arizona

If you’re interested in exploring different ways to obtain cash in case of emergencies, title loans in San Tan Valley are one quick option available to owners of automobiles.

Cash loans can be hard to come by when you don’t have great credit scores but that doesn’t mean applying with low credit ratings is game over too.

The application for and processing of title loans will differ across the country, so if you’re looking up information on applying for an auto title loan in San Tan Valley, you’ve come to the right place.

What Exactly Is a Car Title Loan?

First thing’s first: what exactly is a car title loan? A car title loan also referred to as auto title loans is a type of loan that a borrower makes using their car title as collateral.

This means that should the borrower be unable to pay back their loan on time, the lender or creditor has legal rights to repossess the vehicle stipulated in the contract.

Don’t worry, our FAQs section will address all your worries and doubts!

How Car Title Loans Work In San Tan Valley

Car title loans are usually short-term loans with high-interest rates. As a loan that’s seen as considerably low-risk to lenders, they can be quickly approved for those that qualify.

While you may keep and use your vehicle during the term of the loan, the vehicle title will be in the possession of the lenders.

The loan amount is determined by the value of your car among other factors, and with this sort of collateral, lenders can provide substantial loan services to even those with a bad credit score.

Once you’ve established yourself as a qualified borrower, you can receive the loan amount in cash or have it directly sent to your bank account.

To make processing go even faster, in San Tan Valley it’s sometimes possible to call loan companies to get pre-approval and a quotation.

However, you should take note that an auto title loan usually requires a lump-sum payment. So at the end of your loan’s terms, you should be able to pay back the following all at once:

  • Total loan amount
  • Interest
  • Any additional finance charges (lenders may charge service and processing fees)

In San Tan Valley, auto title loans are regulated by the Arizona State Department of Financial Institutions:

  • Per law 44-287 ARS, the contract must state the buyer’s and lender’s names, as well as a description of the vehicle.
  • Under 44-290 ARS, you may also request the lender to provide you with a written statement outlining due dates and payment amounts.
  • The lender should provide you with the complete title loan terms in writing before any contract is signed, and you may also request a written receipt for cash payments.

Requirements for a Car Title Loan In San Tan Valley

Car title loans are pretty easy to qualify for because there aren’t many requirements for a title loan application form.

In San Tan Valley you will need the following for a title loan application:

  • A clear lien-free vehicle title with only your name on it— if you aren’t the sole owner of the vehicle or you haven’t fully paid off the cost of your car, this could affect your application form approval.
  • Proof of valid vehicle insurance and registration
  • The car and photos of the car
  • Proof of income and employment
  • Driver’s license or any other government-issued ID
  • Proof of Arizona residence
  • Bank account information (this won’t be required by all lenders)
  • Other documents and information may be required of you if you are not a US citizen, and would differ depending on your status***

The Process

#1 Research and Filling the Form

First, you’ll want to do some research on title loan companies in San Tan Valley— to avoid entanglement with anything sketchy or illegal methods a licensed title loans lender might do.

#2 Present Documents and Verification

Once you’ve gathered all the required documents, the information you provided will then be considered by the lender to determine specific title loan terms.

Again, your credit score and history won’t necessarily affect the approval of your loan application, but sometimes a lender wants to gather enough information to ensure you qualify and can pay off the loan.

Additionally, your car will need to go through a thorough inspection to determine its value and how much money a lender will be able to loan you.

#3 Contract Signing, Discussion of Rates, And Get Your Cash

When that’s done, all that’s left to do is go over and agree on title loan terms— don’t forget, you have rights that are protected by Arizona law!

And of course, ALWAYS read the fine print! You can also ask about your terms and rates in this stage.

After your application form has been approved, you’ve come to an agreement and the contract’s been signed, you’ll pay the lender’s finance charges and hand over your vehicle title.

The lender will then either give you the loan amount in cash or wire it to your chosen bank account.

Paying Back Auto Title Loans

Another important thing to take note of when applying for title loans as a San Tan Valley resident is that some contracts may include a clause for prepayment penalties.

This is a clause that stipulates a penalty against the borrower for paying off the loan too early.

You might be confused about why a lender wouldn’t want title loans to be paid back earlier but there is a reason for this. Simply put, prepayment penalties exist to offset profits from lost interest payments.

The financial institution is effectively “shorted” of some of its expected earnings and will try to make up for it through these prepayment clauses.

This amount of money is how financial companies can earn from providing loan services, so each day of interest for car title loans lost by an early loan payment can make a big difference.

Other than the possibility of this clause, just make sure you have enough money in time to pay off your car title loan to avoid the repossession of your vehicle!

And if you’re paying with cash, don’t forget to ask for a written receipt as well!

FAQs

Aside from the processing of your title application form, there is more information you might find interesting about applying for title loans as a resident of San Tan Valley, Arizona.

How Much Can I Borrow In San Tan Valley With Car Title Loans?

Loan Rollovers

Can I Be Denied a Title Loan?

Should I Pay Back My Loan Early?

Are Car Title Loans Better Than Payday Loans?

Conclusion

Even with bad credit, coming by some quick cash in San Tan Valley isn’t all that difficult! We hope our explanation of the process for title loans was helpful.

If you still have some questions about applying for title loans as a San Tan Valley local, feel free to leave a comment or contact us for more information!

Related Locations

Gilbert

1720 W Elliot Rd., Gilbert, Arizona 85233
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Chandler

3170 N Arizona Ave, Chandler, Arizona 85225
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Tempe

1010 W Broadway Rd Suite 2, Tempe, Arizona 85282
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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