Collections Practices

Your Title Loan in Arizona is secured by your vehicle. Missing one payment by a single day could trigger a default and put your vehicle at risk of repossession. For your convenience, during regular business hours we accept payments by cash, check, money order, and debit card. We can also process electronic payments (ACH) from your checking account. All payments made at an Express Loan Center will be credited to your account the following business day. Payments placed in an outside drop box (no cash) after regular business hours will also be credited to your account the following business day. We may contact you by telephone, email or regular mail regarding your account.
Failure to make your regularly scheduled payments may result in the repossession of your vehicle. If a payment is more than 10 days past due, you will be charged a Late Fee equal to 5% of the payment.

Potential impact to users credit score

We do not report customer account histories to any credit bureau. However, when customers apply for loans in Arizona, we are given authorization to obtain their Credit Bureau Report. Subject to the policies of the credit reporting service, a customer’s Credit Bureau Report may reflect our inquiry, be recorded on that individuals credit history and may affect the individuals credit score.

Renewal Policy

You may request a renewal of your loan. However we are not obligated to do so. Your loan renewal will be structured as a Fully Amortized Loan with principal reductions. There are no fees for a loan renewal.


Annual Percentage Rates (APR):

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*Arizona Maximum Annual Finance Rates:

Loan Amount Rate
$0-$500 204%
$501-$2500 180%
$2501-$5000 156%­
$5001 and up 120%

**California Maximum Annual Finance Rates:

Loan Type Loan Amount Rate
Installment $2600 132%

* ARS § 44-291(G)
** APR may vary depending on loan amount and term.

Examples of Fully Amortized Loan Terms and Costs:

California Installment Loans:

Loan Amount Interest Rate Loan Term Payment Frequency # of Payments Payment
$2,675 132.00% 36 Months Bi-Weekly 78 $144.07

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