Yes, there are a few special requirements to finance title loans in Chandler, AZ. But you really don’t have to worry about loan approval because the title to your auto will serve as collateral. If you have a drivable auto with a lien free title, you’re ready to apply!
Ashland Finance does not have any special rules concerning vehicle use during your loan period. If you make payments on time, you can use your automobile any time you need it.
There is no sense in checking credit when your car title is securing the loan. No one will be turned down for poor credit.
We will be happy to counsel you and help you to find the best interest rate and an affordable repayment plan.
Taking a moment to review your application options may save you time and hassles. If you have a super busy schedule, you may prefer to provide your application data over the phone. Access to internet services allows you to complete a simple, short form online. If you prefer a personal touch, you might like to visit with a loan representative at a loan store in Chandler. This will give you a chance to clarify any questions you may have and meet our staff.
Ashland Finance sees no purpose in asking you to fill out a long, complicated form. We’ve trimmed down the application to the bare basics, which only require:
Although Arizona state law doesn’t require that you have income to apply for loans, Ashland Finance prefers that you have some money coming in. This helps to assure us that you have the funds to keep up on payments and pay the loan off.
According to the vehicle title loan regulations governing title loans in Arizona, you must have an automobile that runs or is in working condition. You must also have the title to your car, offered as collateral, which lists you as the owner. Lastly, vehicles must be paid off and have a clear title listing no liens against the automobile.
To abide by federal laws, any applicant applying for a loan must meet the age requirement. Applicants should have proof they are at least 18.
If you can take two to five minutes to submit an application, we can start processing right away.
Nobody wants to wait days to learn whether the loan amount is enough for their bills or financial needs. Therefore, we provide helpful loan estimates right after customers submit their applications. The car data that you provide in your application is matched against the Kelly Blue Book database to give us a reasonable value of your auto. The loan estimate is based on a percentage of the vehicle’s value. Once we learn more about your income, we come up with a final loan offer, which you’ll receive during your phone consultation.
After approving your loan application, you’ll be contacted by a loan representative. He or she will ask you questions about your income; verify your income and work to find an acceptable repayment plan. You may be presented with various repayment plans that require the loan to be paid off within a month or other longer plans to be paid off over several months.
Contracts are presented, reviewed and signed at nearby loan stores. Written contracts are required by the state to confirm the terms of your loan. Even if you feel comfortable with the verbal terms presented in your phone consultation, we suggest you confirm the terms by reading your contract. You should also take note of other important aspects in the contract such as:
To abide by contractual obligations, you will be expected to turn in your vehicle title for collateral purposes. After that is completed, you’ll get your loan funds.