- Fast Title Loans – Apply online, by phone, or in-store and get cash in as little as 30 minutes.
- Bad Credit? No Problem! – Get approved even with bad or no credit.
- Easy Qualification – Just provide a clear title, ID, and proof of income.
- Flexible & Convenient – No prepayment penalties and multiple ways to apply.
When life throws a surprise your way and you need cash in a hurry, a Title Loan from Cash Time Loan Centers might be the right solution. At Cash Time, our Title Loan process is fast and simple, even if your credit isn’t perfect. You can turn your car into cash by using your vehicle as collateral for a Title Loan and get the cash you need in as little as 30 minutes.
This guide shows you what you need to know to qualify for a Title Loan, shares tips to speed up the approval process, and walks you through the different ways you can apply.
Bad credit or no credit is never a problem when getting a Title Loan with Cash Time!
The Basics: Understanding Title Loans
A Title Loan, also known as a Car Title Loan or an Auto Title Loan, is a secured loan that uses your vehicle as collateral to borrow money. If you need funds quickly, you can leverage the value of your car, truck, motorcycle, SUV, semi-truck, RV, or ATV to get the cash you need. Here are a few reasons so many people choose Cash Time for a Title Loan over other Lenders:
- Fast approval process: Customers receive funds the same day as a check or direct deposit.
- Flexible payment options: We offer repayment terms that fit your budget.
- No prepayment penalties: Pay off your loan early without any extra charges or penalties.
- Easy to qualify for: Our approval process is straightforward, and you don’t have to deal with gathering complex paperwork to get a Title Loan.
How to Qualify: What You Need to Get for a Title Loan.
Before you decide to apply make sure you have these documents ready. You can significantly speed up the approval process by being prepared!
- A clear vehicle title: Your vehicle’s title must be in your name and free of any liens. If you don’t have the title, a copy of the registration will be sufficient to start the process.
- Valid identification: A driver’s license or government-issued photo ID to verify your identity.
- Vehicle inspection: Before we can fund your fund your loan, we will need to conduct a casual inspection of your vehicle’s condition. This can be done in person at any of our store locations or electronically if you live in a remote area in Arizona.
- Income: Provide basic documentation that demonstrates you can repay the loan. If you are self-employed or have income from gig jobs, that is not a problem.
Vehicle Eligibility: Does My Car Qualify?
The year, make, model, and condition are the factors that determine if your car qualifies and how much you can borrow:
- Vehicle age and condition: Newer, well-maintained cars generally qualify for higher loan amounts.
- Make and model: Some cars have a higher resale value, which can boost your loan amount.
- Mileage: Lower mileage typically increases the value of your vehicle and the loan amount you qualify for.
- Not sure if your vehicle qualifies? Just visit one of our Cash Time locations for a quick vehicle evaluation or electronically if you live in a remote area. Our team is here to help you understand your options and find the best way forward.
How to Apply for a Title Loan: Choose the Best Option for You!
At Cash Time, we offer three convenient ways for you to apply for a Title Loan to make the process as smooth and convenient as possible:
- Online: “Can I get my Title Loan 100% online?” The answer is yes! You can get a Title Loan 100% online; however, you will still need to visit one of our Cash Time store location or one of our Express locations for a quick vehicle evaluation (or electronically if you live in a remote area in Arizona) to process your title. Our online system is fast, secure, and saves you time.
- In-store: If you’d like personalized help, visit any of our Cash Time locations in the Phoenix, Mesa, Goodyear, Casa Grande, and Tucson metropolitan areas. Our team is ready to walk you through every step of the process.
- Over the phone: If you’re on the go, call (602) 512-3000 and we will answer your questions and help you start the process. We know your time is valuable, so we work hard to keep things as simple and stress-free as possible.
How to Speed Up Your Approval
Here are some tips to help you get your cash without delays:
- Double-check your documents: Make sure your paperwork is complete and accurate when you apply. Having the correct paperwork ready to go can save you valuable time.
- Don’t wait until the last minute: Give yourself plenty of time to go through the loan process before the close of business to get funded the same day.
Remember, being prepared and informed is the best way to experience a quick approval process and to get a loan that fits your needs and budget.
Secure Your Fast Cash Today
A Title Loan is a fast and easy way to access the cash you need by using your vehicle as collateral. With minimal requirements and easy to meet conditions for loan approval, Cash Time makes processing and funding your loan simple and convenient. We welcome people of all credit types, including bad credit or no credit. Plus, you can count on Cash Time for fast, friendly customer service every step of the way.
Ready to get started? Whether you want to apply online using our online Title Loans no store visit option, or you prefer to chat by phone or in person, Cash Time is here to help you. Don’t let paperwork or financial hurdles slow you down. Call us today and secure the fast cash loan you need.
Ready to get started? Apply online here, call us at (602) 512-3000, or find the Arizona store location nearest you.