Car title loans in Arizona
Census ACS 2020–2024 5-year estimates; NCUA June 2026 call report; FDIC BankFind, Oct 2026.
Arizona title loan rules at a glance
| Governing law | Secondary motor vehicle finance transactions (A.R.S. §§ 44-281(12), 44-291(G)-(I)) |
|---|---|
| Rate / fee cap | Maximum monthly finance rate by original principal: 17% for $500 or less; 15% for over $500 to $2,500; 13% for over $2,500 to $5,000; 10% for over $5,000. The annual rate is the monthly rate x 12 and must be shown in the contract. (A.R.S. § 44-291(G), (I)) |
Title loans online in Arizona
You can start a Arizona title loan online: fill out the short form, then the lender values your vehicle from its details and photos or a quick inspection. You keep driving your car while you repay, and the lien is released when the loan is paid off. How online title loans work.
Estimate a title loan
Title loan calculator
Many title lenders lend 25%–50% of a vehicle's value, and you keep driving your car. Estimate only; your lender shows exact terms.
Compare neighboring states
Lenders must follow the law of the state where you live, not where you visit.
| State | Status | Max loan |
|---|---|---|
| California | Legal | — |
| Nevada | Legal | A title loan may not exceed the fair market value of the vehicle. |
| Utah | Legal | A title loan may not exceed the fair market value of the vehicle, and a lender may not make more than one title loan on… |
| New Mexico | Not available | — |
| Colorado | Limited | — |
Title Loans by city in Arizona
Counties in Arizona
Show all 15 counties
Also see: Payday Loans in Arizona · Personal Loans in Arizona · All Arizona loan options
Frequently asked questions
Are title loans legal in Arizona?
Car-title loans are legal in Arizona as "secondary motor vehicle finance transactions" under A.R.S. Title 44, Chapter 2.1. Monthly rate caps run from 17% down to 10%, depending on loan size.
What interest can title lenders charge in Arizona?
Maximum monthly finance rate by original principal: 17% for $500 or less; 15% for over $500 to $2,500; 13% for over $2,500 to $5,000; 10% for over $5,000. The annual rate is the monthly rate x 12 and must be shown in the contract.
Can I refinance my title loan in Arizona?
Often, yes. Some lenders let you refinance an existing title loan into a new loan with a different payment amount or term, and a new lender may be able to pay off your current one. Options depend on your vehicle's value, your income and Arizona rules. Enter your details on our form to see what lenders in our network can offer you. It takes about 3 minutes.
How much can I get for a title loan in Arizona?
The amount depends mainly on your vehicle's value, along with your income and Arizona rules. Lenders typically offer a portion of what your car is worth, so newer vehicles with lower mileage usually qualify for more. You'll see the exact amount and terms before signing. Enter your vehicle's details on our form to see what lenders may offer. It takes about 3 minutes.
Can I get a title loan on a financed car in Arizona?
Sometimes. If you still owe money on your car, some lenders may approve a title loan based on your equity, meaning the car's value minus what you owe. Others require a title that's fully paid off and in your name. Because policies vary, enter your vehicle and current loan details on our form, and lenders serving Arizona will tell you what they can offer.
What do I need for a title loan in Arizona?
Most lenders ask for a vehicle title in your name, ideally free of other liens, a valid government-issued ID, proof of income, proof of residence in Arizona, and the vehicle itself for photos or a quick inspection. Some lenders also ask for proof of insurance or a spare key. Requirements vary by lender. Start our 3-minute form to see what lenders need from you.