Car Title Loans in Arizona2026 Guide
Car title loans are legal in Arizona under ARS § 6-601. Learn tier-based interest rate caps, licensing rules, right to cure notices, and surplus return rights in 2026.
Legal Status & Regulations
Governing Law
ARS §6-601 et seq.
Last Reviewed: April 2026
Law Summary
Title lending in Arizona is authorized and regulated under Arizona Revised Statutes § 6-601 et seq., supervised by the Department of Insurance and Financial Institutions (DIFI). State law enforces tiered monthly interest rate caps: 17% per month for the first $500, 15% for amounts between $501 and $2,500, and 13% for amounts between $2,501 and $5,000. Lenders must issue full written disclosures prior to signing. Before repossessing a vehicle upon default, Arizona lenders must issue a formal "Notice of Right to Cure". If repossession occurs, lenders must conduct a commercially reasonable sale and return any excess proceeds to the borrower.
Real Rate Example in Arizona
A $1,500 loan in Arizona at a typical market rate of 120% APR over 30 days would result in approximately $150 in interest and fees. Always compare multiple offers to find the most competitive rate.
What Documents You Need
- A clear vehicle title in your name
- A valid government-issued ID (Driver's License)
- Proof of residency (Utility bill, etc.)
- Proof of income or ability to repay
- The vehicle itself for a quick inspection
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Title Loans Union Editorial Team
Loan Regulations & Guides
Our editorial team monitors state statutes, interest rate ceilings, and car title loan regulations across all 50 states. We analyze legal statutes, state regulatory filings, and consumer protection policies to provide clear, unbiased analysis of borrowing requirements and costs.
*Last reviewed: June 2026. Always verify with your state's financial regulatory body before applying. Laws change frequently.
Quick Info Card
Max Loan Amount
No limit
Max APR / Rate
No rate cap
Loan Term Range
Varies
Governing Body
AZ Dept. of Financial Institutions