Car Title Loans in Arizona2026 Guide
Car title loans in Arizona are a popular short-term financing option for residents who own their vehicles outright.
Legal Status & Regulations
Governing Law
ARS §6-601 et seq.
Last Reviewed: April 2026
Law Summary
Governed by Arizona Revised Statutes §6-601. Lenders must be licensed by the Department of Financial Institutions. Interest rates are tiered: 17% per month for the first $500, 15% for $501-$2,500, and 13% for $2,501-$5,000. Loans are typically 30 days but can be extended. Lenders are required to provide a clear explanation of all terms and fees before the agreement is signed. Arizona law also mandates that lenders provide a "notice of right to cure" before repossessing a vehicle, giving borrowers a chance to catch up on payments. If repossession occurs, the lender must follow strict procedures for the sale of the vehicle and the distribution of any surplus funds back 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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Max Loan Amount
No limit
Max APR / Rate
No rate cap
Loan Term Range
Varies
Governing Body
AZ Dept. of Financial Institutions