Car title loans in Kingman, AZ
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Kingman, AZ.
The median household in Kingman earns $61,792 a year, 23% below the Arizona median of $79,964. About 14% of residents live below the federal poverty line, and 31.6% of households rent their home. 6.9% of Kingman households have no vehicle — a title loan is only an option if you own a car outright or nearly so.
Arizona law that applies in Kingman
| Rate 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. |
|---|
Full rules with statute citations: Title Loans in Arizona. Cities in Arizona cannot set their own payday or title loan rate caps in most cases; zoning rules for storefronts are local.
What you need for a title loan in Kingman
Here's what to have on hand before you start your title loan request in Kingman:
- A car, truck or motorcycle you own outright or nearly paid off
- The vehicle title in your name (lien-free or close to it)
- A government-issued photo ID that matches the title
- Proof of income (some lenders ask; many accept benefits)
- Photos of the vehicle or a quick inspection
Popular loan amounts in Kingman
What Kingman borrowers use it for
keep getting to work while the shop fixes it
Medical billspay a doctor, dentist or pharmacy bill now
Moving costsdeposits, trucks and first-week expenses
Need money nowthe fastest options online
Loans for your situation
How to get a title loan in Kingman
- Fill out the short form with your car's year, make and mileage.
- Matched lenders contact you to value the car (some use photos).
- Review the amount, monthly rate, APR and repossession terms before you sign.
- Keep driving while you repay; the lien is removed when you pay in full.
Estimate your cost
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.
Banks and credit unions in the area
Credit unions in Kingman
2 credit-union locations from 2 credit unions.
| Credit union | Location |
|---|---|
| Arizona Financial | 4155 N Stockton Hill Rd, Kingman 86409 |
| Mohave Community | 2809 N Stockton Hill Rd, Kingman 86401 |
Source: NCUA credit union branch data, June 30, 2026.
Nearby cities
County: Mohave County · Personal Loans in Kingman
Frequently asked questions
Can I get a title loan in Kingman, AZ?
Car-title loans are legal in Arizona as "secondary motor vehicle finance transactions" under A.R.S. You can start online; the lender will need to see the car and a lien-free (or nearly paid-off) title in your name.
Can I get a title loan on a financed car in Kingman?
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.
Can I get a title loan without the title?
You generally need the title, because it's what secures the loan. If your title is lost, you can request a duplicate from the Arizona motor vehicle agency, and some lenders can help with that step. If the title isn't in your name, it will need to be transferred first. Once you have it, Kingman drivers can start a title loan request online in about 3 minutes.
Can I refinance my title loan in Kingman?
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 Kingman?
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.
How do I get a title loan in Kingman?
Gather your vehicle title in your name, a government-issued ID, proof of income and proof of address. Then complete our online form with your vehicle's year, make, model and mileage. A lender may ask for photos or a quick inspection to confirm the car's condition. If you're approved, you'll review the full terms before you sign. It takes about 3 minutes to get started.
Do I need to visit a store in Kingman?
No. You can request offers online from a phone or computer. Some lenders, especially title lenders, may ask you to visit a location or send photos of your vehicle.