Car title loans in Tempe, AZ
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Tempe, AZ.
The median household in Tempe earns $79,663 a year, about the same as the Arizona median of $79,964. About 16% of residents live below the federal poverty line, and 57.7% of households rent their home. 7.7% of Tempe 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 Tempe
| 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 Tempe
Most Tempe applicants can finish in one sitting if they have these ready:
- 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 Tempe
What Tempe borrowers use it for
handle the unexpected the same week
Holiday expensesgifts and travel without maxing a card
Car repairskeep getting to work while the shop fixes it
Medical billspay a doctor, dentist or pharmacy bill now
Loans for your situation
How to get a title loan in Tempe
- 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 Tempe
13 credit-union locations from 11 credit unions.
| Credit union | Location |
|---|---|
| American Airlines | 1821 W Rio Salado Pkwy, Tempe 85281 |
| America First | 1511 N Project Dr, Tempe 85288 |
| Global | 11 S Mcclintock Dr, Tempe 85288 |
| Desert Financial | 1245 E Broadway Rd, Tempe 85282 |
| Oneaz | 840 E Southern Ave, Tempe 85282 |
| Truwest | 1345 W Warner Rd, Tempe 85284 |
| Firefighters First | 2151 E Broadway Rd, Tempe 85282 |
| Arizona Central | 4455 S Rural Rd, Tempe 85282 |
| First | 1232 E Baseline Rd, Tempe 85283 |
| Aero | 9845 S Priest Dr, Tempe 85284 |
Source: NCUA credit union branch data, June 30, 2026.
Nearby cities
County: Maricopa County · Personal Loans in Tempe
Frequently asked questions
Can I get a title loan in Tempe, 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 online in Tempe?
Yes. Many title lenders let you start and complete most of the process online. You enter your vehicle and income details, then upload photos of your car, title and ID instead of visiting a store. Some lenders may still ask for a quick in-person inspection. Funds are usually sent to your bank account. Start your Tempe title loan request in about 3 minutes.
Can I get a title loan on a financed car in Tempe?
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 with a salvage or rebuilt title?
It's harder, but not always impossible. Many lenders require a clean title, while some will consider a rebuilt title after the car has passed inspection. Salvage titles are rarely accepted because the vehicle's value is hard to confirm. If your title is branded, mention it on our form so lenders serving Tempe can tell you upfront whether they can help. It takes about 3 minutes.
How do title loans work in Tempe, AZ?
You share details about your vehicle and income, the lender estimates the car's value, and if you're approved you receive an offer based on a portion of that value. You sign the agreement, the lender records a lien on your title, and you get your funds, often quickly. You keep driving while you repay. Start your request online and see your options in about 3 minutes.
How do I get a title loan in Tempe?
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 Tempe?
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.