Best Title Loan Companies in Tucson

Best Title Loan Companies in Tucson
Author : Chris Morgan
Updated on : February 17th, 2022

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If you’re suddenly faced with an emergency expense in Tucson, a title loan might be the answer. In Arizona, title loans remain one of the quickest ways to get a short-term loan without having to worry about your credit history.

According to Make Action Possible (MAP), living costs in Tucson were about 6.2% below the national average in 2020. While this is great news for Tucson residents, bills can still stack up. 

A title loan can help you cover emergency expenses such as a rent payment or car repair bill. However, be careful who you decide to get a title loan from. In this article, we’ll share our top picks for the best title loan companies in the Tucson metropolitan area.

Top 8 Title Loan Companies in Tucson

Our best online title loans article highlights the best online companies that are available across the nation. Specifically for Tucson residents, we would recommend starting your search with one of the following 8 companies.

Max Cash Title Loans

Max Cash Title Loans Logo

Max Cash offers a title loan platform that helps connect you with other lenders. Max Cash takes your information and tries to match you with lenders that can provide a title loan that’s best suited for you. Best of all, Max Cash is entirely free to use.

Max Cash is the absolute best option for Tucson residents looking for a title loan. Here’s what we like best about them:

  • They are always available. You can sign up for Max Cash at any time, including on Saturdays and Sundays. There will always be Max Cash representatives available to chat and connect you with multiple partner lenders.
  • They have a wide network of lenders. Max Cash is a title loan platform with a huge network of partner lenders. By signing up for Max Cash, you greatly increase your odds of getting a title loan because you’ll have so many more options to choose from.
  • You can compare and contrast loan offers. Sometimes, multiple lenders may reach out to you with competing loan offers. In this case, you can compare them to pick the best one, or even try to negotiate for a better offer.

Though Max Cash isn’t a direct lender, they do offer 24/7 customer support. Don’t hesitate to reach out to them if you have questions about the title loan process, or need advice on whether to accept or decline an offer.

We go into much more details about Max Cash in our Ultimate Max Cash Title Loans Review.


LoanMart Logo

LoanMart is our top direct title loan provider recommendation for Tucson residents. When you submit an application to LoanMart, one of their loan specialists will take a look at your information and decide whether or not to extend a loan offer.

LoanMart is a step above their competitors for the following reasons:

  • They’re quick. LoanMart responds to new applicants very quickly. If you submit an application online, a representative will reach out to you with your application decision typically within 24 hours. You could walk away with your cash the same day you apply.
  • Their “Three Day Peace of Mind” guarantee. To give extra assurance to new customers, LoanMart allows you to freely cancel any loan contract within 72 hours, even if you’ve already signed it. This is a great backup option if you decide that you no longer need the title loan.
  • They emphasize financial education. We always prefer companies that encourage customers to learn about their own finances. At LoanMart, they offer many educational articles about all things credit that you should definitely read.

LoanMart has a very high approval rate for their title loans. We highly encourage you to complete LoanMart’s online application, which should only take about 5 to 10 minutes.

Loan Center

Loan Center Logo

Loan Center accepts just about any type of vehicle as collateral for a title loan. Regardless of whether you have a car, SUV, motorcycle, or RV, you could qualify for a title loan worth up to $50,000.

Loan Center also has a very high approval rate. As long as you provide proof of income to show that you can repay the loan, you don’t need to worry about past credit mistakes. You can apply for a new title loan or a title loan refinance through their online application.

Cheap Title Loans

Cheap Title Loans Logo

Cheap Title Loans stays true to their name, as their title loans start at just a 6% interest rate. They’ve already provided affordable title loans to over 20,000 local Tucson residents, and have countless positive reviews.

At Cheap Title Loans, you can apply online or in person. If you go into their store with all the necessary documents, you could get an approval decision in as little as 10 minutes. You could walk out with your check as soon as today!


TitleMax Logo

TitleMax is a very popular national title loan provider. All Tucson residents are welcome to apply online, and you’ll have a great chance of getting approved due to TitleMax’s all-credit-welcome policy.

TitleMax is a well-established company, so you’ll have many choices when it comes to how to receive and repay your loan. Notably, they have a TitleMax Customer Portal where you can easily manage your account, check your balance, and see upcoming payment due dates.

Cash Time

Cash Time Logo

Cash Time Loan Centers has 18 locations in Arizona: 15 around Phoenix, and 3 in Tucson. They have been serving local Arizona residents for over 25 years.

Title loans at Cash Time are great because there are no prepayment penalties. In addition, they’ll work to create the most flexible repayment plan for you. Their stores and customer service lines are available 7 days a week to assist new and existing customers.

Fast Auto Loans

Fast Auto Loans Logo

Fast Auto Loans is a local title loan company with a handful of locations in Tucson. Their 3460 S 6th Ave location has a high average rating of 4.9 out of 5 among 123 Google reviews.

If you can submit an application and sign a loan contract before 12PM EST, Fast Auto Loans can wire you the funds on the same business day. No store visit is required, although that is an available option as well.

TFC Title Loans

TFC Title Loans Logo

Since 1994, TFC Title Loans has been helping clients get convenient and affordable title loans online. Tucson residents could qualify for up to $25,000 in a single title loan.

We like that TFC Title Loans provides extensive information about title loans on their website. Regardless of whether you end up working with TFC Title Loans, this information is worth a read.

Does Arizona Allow Title Loans?

Yes, Arizona does allow title loans. Title loan laws in Tucson follow the state laws outlined in the Arizona State Legislature. The section on “secondary motor vehicle finance transactions” contains the following guidance on title loans:

  • 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%.

These rates are still quite high. However, these laws provide a baseline level of protection for you when looking for a title loan. Stay away from companies that try to offer you title loans at rates higher than this.

What Do You Need For a Title Loan in Tucson?

To get a title loan in Tucson, you’ll typically need to have the following documents handy:

  • Government-issued ID
  • Clear car title
  • Proof of income (recent paystub)
  • Proof of residency (recent utility bill)
  • Proof of insurance

Some companies may be willing to work with you even if you’re still making payments on your car (and thus do not have your car title on hand). While it doesn’t hurt to ask a customer service representative about this, note that you’ll probably need to have significant equity in your vehicle for them to even consider accepting your application.

Do Title Loan Companies in Tucson Run Your Credit?

No, title loan companies in Tucson will not run your credit. Title loans and payday loans are two special types of loans where lenders do not care about your past credit history.

Of course, this means that Tucson residents with poor credit should have no problem getting a title loan. However, it’s best to not use title loans as a crutch for too long, especially because personal installment loans (which do require a credit check) are typically more affordable.

Thus, a longer term solution would be to focus on fixing your credit score. You have many options when it comes to this, including credit repair and buying tradelines. For an overview of how best to tackle your credit problems, check out our Ultimate Review Guide for Credit Saint.

Can I Get a Title Loan Without Proof of Income?

Because title loan companies do not run your credit, you’ll typically need to provide proof of income to show that you can repay the loan. If you’re unable to provide proof of income via a recent paystub, you may be disqualified.

If you’re currently on unemployment benefits, most companies will also accept bank statements that clearly show consistent deposits into your account. This also works if you have a family member supporting you financially.

Of course, if you currently have no consistent source of income, we would highly caution against taking out a title loan. Your debt could spiral out of control if you’re unable to make repayments.

What Happens If I Don’t Repay My Title Loan?

Besides mounting debt, not being able to repay your title loan can have other dire consequences. For one thing, not repaying your title loan can leave a huge negative mark on your credit report, leading to a drastically lower score. This mark can stay on your report for up to seven years.

The other most common outcome is that the title loan company can then keep your car title, meaning that they now have ownership of your car. They can then legally repossess your vehicle.

Approximately 20% of 60-day title loan clients had their vehicle repossessed in a report done by the Consumer Financial Protection Bureau. This is why we urge Tucson residents to always ensure they can repay a title loan before taking one out.

Conclusion and Next Steps

Getting a title loan is worth it, provided you are absolutely able to repay it. In order to succeed with a title loan, you have to work with a title loan company that has your best interests at heart.

In this article, we’ve introduced 8 trustworthy title loan companies for Tucson residents to consider. After reading this article, we highly recommend signing up for Max Cash in particular. They do all the hard work of finding a lender that matches your profile, and you could walk away with your title loan much faster than you thought possible!

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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