Bad Credit Title Loans
Bad things happen in life. It only gets worse if you have bad credit. This affects whether or not you can own a house and/or car, rent, or even borrow money to get ahead. Bad credit can be a
problem, especially if you happen to live in the West Valley. It’s very unforgiving if you have bad credit on that side of town but do not despair! Thanks to Phoenix Title Loans, you can get bad credit title loans in Avondale, right when you need them the most!
What are Bad Credit Title Loans in Avondale For?
Bad Credit Title Loans in Avondale are for anyone and everyone. The greatest benefit of such a title loan is simply because your credit score has no bearing on getting the loan itself. We use a different means of qualification: your vehicle. The condition of said vehicle, its title, and your pay stub are the more crucial factors going into title loan. You already have a rough time with credit as is. Why add further burden when you need money still? Second, credit should not be the only factor in life.
In a world where cash is still king, you can still change your credit score for the better by getting this title loan.
Finally, Avondale herself has much to offer in terms of events, businesses and places of residence. All still require money, and in some places, good credit. While you may have some credit problems now, you can still cover your bases with the cash provide from Bad Credit Title Loans in Avondale.
How do I Get This Title Loan?
To apply and receive this loan, first make sure you have a vehicle to use for the title loan. This vehicle must also have the appropriate title which identifies the vehicle as yours. We also need personal verification, so remember to bring your Driver’s License or ID issued by the State of Arizona. Next visit our Avondale location to get the process started.
Or, to get a head start, complete and submit our online title loan application. You will receive a response via email in 20 minutes or less. If you do not see it in your inbox, check your spam file, or click on the bottom right of the screen. Either way, this will be a great time saver as this lessens the paperwork needed to complete the process. Once the paperwork process is finished, you walk out with the cash you need. It’s that simple!
What vehicles qualify for Bad Credit Title Loans in Avondale?
Simply put, if it’s intact, can be driven, and looks decent, it may qualify. We’ve accepted many types of vehicles in the past: cars, trucks, SUVs, even a HELICOPTER! To reiterate, we offer any owner of a vehicle a chance to get bad credit title loans from us. But even with this decree, we still have to treat certain situations on a case-by-case. Fortunately, cases have been known to provide positive results!
What Makes Phoenix Title Loans the Difference Between Other Companies?
Phoenix Title Loans is a staple business in the West Valley and the Valley of the Sun for many reasons. The first is that we live here along with our customers. Some of our employees are friends and neighbors to our customers. Others, married or family members. No matter the ties, one thing remains clear: we make the best effort to serve our customer base as best as we can.
This lead the second reason. Because of our commitment to our customers, we are able to stay in business well past ten years. That’s an accomplish of success and a humble reminder how important customer service is. Finally, while this location is focused on West Valley, we are a business that can help ANYONE in the Valley. Just find the nearest location to you and we can assist you with our services.
DISCLOSURE: Loan amounts, terms, and rates vary by applicant and are subject to final approval. Not all applicants will qualify for the maximum advertised amount. All loans are secured by the value of your vehicle, which must be titled in Arizona and owned free and clear, unless otherwise stated.
Representative Example: A $2,000 auto title loan with a term of 12 months and an annual percentage rate (APR) of 35.99% would require 12 monthly payments of $200.96, for a total repayment of $2,411.52. All applicable fees and finance charges are included in the disclosed APR. This representative example is typical of a preferred loan with 25% Loan-to-Value ratio, $5,000 loan amount minimum, and a credit score of 700 or higher. Actual loan terms may vary based on vehicle value, requested loan amount, repayment ability, and applicable state regulations. CREDIT CHECK NOT REQUIRED ON MOST LOANS.
Early repayment is allowed at any time without penalty. Paying off your loan early may reduce the total cost of borrowing. Borrowers may be eligible for interest reductions when loans are paid off within an early payoff window, where applicable. We do not require a credit check for most auto title loans; however, all applicants must demonstrate the ability to repay the loan. Proof of income may be requested for underwriting purposes but is not always required for approval.
Approval times may vary and are subject to identity verification, vehicle inspection, confirmation of clear title status, and review of all required documents. While many loans are funded on the same day, some may require additional time for processing.
Phoenix Title Loans, LLC complies with all applicable federal and state lending regulations, including but not limited to the Arizona Revised Statutes Title 6, Chapter 5 and Title 44, Chapter 2.1, the Truth in Lending Act (TILA), and the Equal Credit Opportunity Act (ECOA). We are committed to transparency, fairness, and the responsible servicing of every loan. For borrowers who prefer to communicate in a language other than English, translated disclosures may be available upon request.
