Best Title Loan Companies in Arizona

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Author : Chris Morgan
Updated on : September 24th, 2021

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Arizona is a state that many people enjoy for the warm climate and reasonable cost of living. The Missouri Economic Research and Information Center gives Arizona a cost of living index of 102.8, only slightly above the national average (which is 100).

Many of Arizona’s major metropolitan areas also have a much lower cost of living than other US cities:

While the lower cost of living in Arizona is nice, it doesn’t mean that you won’t run into occasional unexpected expenses. A sudden medical bill or rent payment can still catch you off-guard!

Because of this, many Arizona residents turn to title loans as a way to get some instant funds. According to a 2016 report by the Consumer Federation of America (CFA), 190,000 to 285,000 Arizona consumers use title loans every year.

However, among these title loan borrowers, it’s estimated that 25,320 lost their cars to repossession. This is why it’s important to fully understand title loans before getting one.

In addition, this also stresses the importance of only working with reputable title loan companies. With over a hundred licensed title loan companies in Arizona, we’ve compiled our list of the best 9 companies in this article.

Are Title Loans Legal in Arizona?

Title loans are not legal in every state, but they are legal in Arizona. Arizona State Legislature has specific guidance on “secondary motor vehicle finance transactions,” which are synonymous with title loans.

The most important thing to note is the interest rate limit on title loans. These are summarized below:

  • For title loans of $500 or less, the max APR is 204%.
  • For title loans between $500.01 and $2,500, the max APR is 180%.
  • For title loans between $2,500.01 and $5,000, the max APR is 156%.
  • For title loans above $5,000, the max APR is 120%.

Some companies may list their interest rate as a “monthly financing rate.” In these cases, you must multiply that rate by 12 to get the APR. Be wary of any company that offers a title loan with higher interest rates than the legal limits.

How Do Title Loan Companies Work in Arizona?

Applying for a title loan in Arizona usually involves the following five steps:

  • Prepare your documents. Before getting started, you should have all your documents and information ready. These may include your photo ID, car title, proof of income (paystub), car insurance, and odometer reading.

  • Fill out an application, in person or online. Most companies will have an online application that you can fill out in minutes, but you can also visit their physical location in Arizona. Make sure that all the information you provide about yourself and your car is accurate.

  • Receive and review your loan terms. If the company wants to proceed with your application, you’ll receive your title loan terms. Review this carefully, taking note of the interest rate, monthly payment, loan duration, as well as how to make your payments.

  • Accept or decline the offer. If everything looks good, you can sign the contract. Otherwise, you can decline and look for another offer from a different company.

  • Get your funds. After you sign the contract, you should get access to your funds immediately.

Top Title Loan Company Recommendation in Arizona

Max Cash

Max Cash Title Loans Logo

Max Cash Title Loans is our top recommendation for title loan companies in Arizona. Their platform has helped over 1 million US customers find title loans quickly and securely.

Max Cash is not a direct title loan lender. Instead, they provide a platform where they match you with certified lenders, each of which can potentially offer you a loan contract. This is great because you’ll be put in front of multiple lenders with just a single free application.

Max Cash also offers title loan refinancing services. Regardless of if you’re applying for a new loan or refinancing, clients are often able to receive their cash in as little as one business day. It doesn’t matter if you don’t have a bank account or if you have bad credit--Max Cash will do their best to find a title loan match for you.

Here is a full list of Max Cash’s biggest pros:

  • It’s Free
  • Quick and Easy Online Application
  • Biggest Network of Title Loan Lenders
  • Transparent About Rates and Services
  • Fair Evaluation of Car Value
  • Ability To Compare Interest Rates and Loan Amounts
  • Protects Your Personal Information
  • Top-Tier Customer Service
  • Bank Account Not Required

We cover more details about Max Cash and their services in our full review.

Top 8 Local Arizona Title Loan Companies

Max Cash is largely an online-based company. This is great for convenience, but we understand that some people may prefer going to a physical location for a title loan. The next recommendations are our top 8 local Arizona title loan companies.

1 Stop Title Loans

1 Stop Title Loans Logo

1 Stop Title Loans has multiple locations in Arizona, including Phoenix, Glendale, Gilbert, Chandler, Avondale, and Anthem. They offer fast and easy funding where clients can get their funds in as quickly as 30 minutes.

1 Stop Title Loans does not check your credit score when you apply for a loan. In addition, they do not charge an upfront fee to receive the loan. This makes them a great option for those who may be struggling financially.

If you’re unsatisfied with an existing title loan, 1 Stop Title Loans also offers refinancing services. They may be able to give you a new title loan with a better rate.

Contact Information:

  • Address: 1501 North 16th St. Phoenix, AZ 85006
  • Phone: (602) 253-6002
  • Email:


Cash-N-Go Logo

Cash-N-Go is another Arizona-based title loan lender with locations in Phoenix, Glendale, and Peoria. Their Glendale office has a perfect 5 out of 5 rating among 35 Google reviews.

With Cash-N-Go, you could secure a title loan amount between $300 to $75,000 in as little as 30 minutes. Compared to many other Arizona title loan companies, Cash-N-Go also offers very competitive rates along with flexible payment plans. Of course, you get to keep your car for the duration of the loan.

Cash-N-Go is also a member of the Arizona Title Loan Association, an organization dedicated to responsible lending. In addition, while they are not BBB-accredited, they do have an A+ BBB-rating.

Contact Information:

  • Address: 18561 N 59th Ave #116, Glendale, AZ 85308
  • Phone: (602) 443-1055
  • Email:

Maximum Title Loans

Maximum title loans Logo

Maximum Title Loans is a highly-rated title loan provider with locations all over Arizona. Their Scottsdale office has an average rating of 4.6 out of 5 among 76 Google reviews.

Getting a title loan at Maximum Title Loans is simple--all you need is your ID, proof of income, car, and title. You don’t need a good credit score or proof of insurance. Within 30 minutes, you could walk out with your cash.

Maximum Title Loans was started by just one person and his yellow Labrador, SuperMax, who has become the mascot of the company. Though they have expanded across Arizona, their dedication and individualized attention to each client makes them one of the most successful title lenders in the state.

Contact Information:

  • Address: 9261 East Via de Ventura, Scottsdale, AZ 85258
  • Phone: (480) 917-5626

Phoenix Title Loans, LLC

Phoenix Title Loans Logo

Phoenix Title Loans is a BBB-accredited title loan company with an A+ rating. Among 140 Google reviews, they have an average rating of 4.9 out of 5. For 16 years, they have provided quality title loans to clients in eleven major Arizona cities.

Regardless of the condition of your car, give Phoenix Title Loans a call. As long as your car has under 200,000 miles, they may be able to offer you a loan. Phoenix Title Loans even works with RVs, boats, motorcycles, and scooters!

Among all of our recommendations, Phoenix Title Loans has the most comprehensive website with lots of information about title loans and loan refinancing. This transparency and focus on educating clients is always a huge plus.

Contact Information:

  • Address: 2803 W Van Buren St, Phoenix, AZ 85009
  • Phone: (602) 272-2097

Presto Title Loans

Presto logo

Presto Title Loans offers quick and affordable title loans in Phoenix, Mesa, Prescott Valley, and Glendale. They advertise being able to offer title loans at half the legal rate.

As we saw earlier in the article, lenders in Arizona are allowed to charge 204% APR on a $500 title loan. At Presto, you could secure a rate as low as 60.29% APR, saving you potentially $848 or more on a 12-month loan!

The numbers become even more favorable with bigger loans: while other lends may charge 120% APR on a $10,000 loan, Presto’s 60.13% APR means you could save over $24,000 on a 36-month loan. For affordable rates, don’t hesitate to contact Presto.

Contact Information:

  • Address: 2461 West Indian School Rd, Phoenix, AZ 85017
  • Phone: (602) 264-5554
  • Email:

Southwest Title Loans

Southwest Title Loans Logo

Southwest Title Loans has multiple locations around the Phoenix, Mesa, Tempe, and Glendale areas. As a member of the Arizona Title Loan Association, they have been dedicated to providing competitive title loans for 20 years.

Southwest Title Loans lays out their five step process very clearly on their website. They detail how you can get your loan in as little as 30 minutes, as well as how you’ll make payments and eventually get your title back.

If you’re not happy with your current title loan, Southwest also offers refinancing services. In addition, Southwest will work with you even if you miss a loan payment or have a poor credit score.

Contact Information:

  • Address: 1025 S Power Rd, Ste 108, Mesa, AZ 85206
  • Phone: (623) 266-9163

Speedy Cash Title Loans

speedy cash logo

Speedy Cash Title Loans is a national chain with many locations in and around Phoenix. Since 1997, they have helped thousands of clients all over the country from their over 100 physical offices.

Speedy Cash offers two types of title loan services in Arizona: regular title loans and Express Title Loans. Here are the differences between the two:

  • Regular title loans can go up to $25,000 maximum. To get one, you’ll need a clear vehicle title. The application process may be slightly longer, but you’ll get a bigger loan as a result.
  • Express Title Loans can go up to $5,000 maximum. You’ll only need your Vehicle Identification Number (VIN) to apply, and no vehicle inspection is required. As such, you could get your loan much faster, but the loan amount will be smaller.

It’s great that they offer two options for clients. Contact their customer service to figure out which option works best for you.

Contact Information:

  • Address: 7202 E McDowell Rd, Scottsdale, AZ 85257
  • Phone: (480) 945-9200
  • Email:


TitleMax Logo

TitleMax is a popular title loan provider with over 100 locations in Arizona alone. They are one of the largest title loan companies in the country, with over 1,000 locations nationwide.

TitleMax offers a variety of convenient ways to make your loan repayments. One of their unique products is their Universe Silver Deposit Account, where they will deposit your loan funds. The account comes with a debit card, which is ideal for those who don’t have a bank account.

In addition, TitleMax works with motorcycles and RVs. They can set you up with a competitive loan in 30 minutes, so drop by one of their locations today.

Contact Information:

  • Address: 3236 E. McDowell Rd. Phoenix, AZ 85008
  • Phone: (602) 281-7714

What Do I Need For a Title Loan in Arizona?

In general, this is the bare minimum you need to apply for a title loan in Arizona:

  • Government-issued ID
  • Car title

Many companies may also ask for proof of income and car insurance. Additional information may be required depending on how you wish to receive the loan. For example, you’ll need to provide your bank account information if you want a wire transfer.

Can I Get a Title Loan Even With Poor Credit?

Yes, you can often secure a title loan even if you have a bad credit score. Many of our top recommendations do not factor in your credit score at all when evaluating your application.

However, this does not mean that you should ignore your credit score, even in the short-term. Continue to pay off your outstanding debts, including your title loan. This will help you build up positive credit.

In addition, consider reaching out to a company like Credit Saint, whose credit repair services can improve your score by 50 or more in just a few months. Tradelines can also help boost your score in the short-term. A higher score can also help you secure lower interest rates on all your future loans.

Can I Get a Title Loan Without Proof of Income?

Yes, you can often get a title loan without proof of income, but this depends on the company. Some companies will require a pay stub or bank statement showing proof of consistent monthly income.

If you are currently unemployed, you still have many options available. We would recommend starting with Max Cash, where you have a higher chance of landing a title loan because of their huge network of providers.

When Should I Consider Getting a Title Loan?

Title loans come with a much higher interest rate compared to other forms of loans. According to Arizona state law, interest rates can get as high as 204% APR depending on the loan amount.

Because of this, you should only ever consider getting a title loan for emergency expenses. While you are able to do whatever you want with your funds, taking out a title loan for an unnecessary purchase is risky.

Essentially, a title loan can provide financial relief to you and your family, like it did for Amber in her review of Max Cash:


We was declined. Then a very great worker named Peter had called and helped me out so much and found the nearest location and got me approved for another loan through another company. This was so helpful for me and my kids. Thanks so so much!

Max Cash may be able to help set you up with a certified title loan lender as well.

Conclusion and Next Steps

This post contained our top 9 title loan company recommendations in the state of Arizona. If you find yourself needing emergency funds, these are the best companies to start reaching out to.

In particular, we recommend contacting a Max Cash representative or filling out their online application as a next step. Doing so will open you up to multiple lenders, who can offer competitive rates so you get the most out of your title loan.

If you need cash fast, get in touch with

Max Cash.

Max Cash Title Loans Logo

When doing research, Credit Help Info relies on credible and authoritative sites. These research sources are provided so that you can see exactly where we get our information.

About the Author

Chris Morgan

Chris Morgan is a credit expert and founder of Credit Help Info. He has been featured in Addition Financial, GOBankingRates, MSN Money, Yahoo Finance, and many other publications. He has read hundreds of books and resources on finance and the credit industry. Because he did this, you don’t have to. As a school teacher for over 20 years, Chris enjoys taking complicated material and breaking it down into manageable information that’s easy to understand.

Learn more about Chris Morgan

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