Car Title Loans in Arizona

Title loans are legal in Arizona, but the Arizona Revised Statutes Title 44, Chapter 2.1 (A.R.S. Sections 44-281 to 44-295) limits what a lender may charge: Maximum monthly finance rate by original principal amount: $500 or less 17% per month; more than $500 up to $2,500 15%; more than $2,500 up to $5,000 13%; more than $5,000 10% (A.R.S. 44-291(G)); annual rate = monthly rate x 12. Loans Inc connects Arizona residents with participating independent lenders that offer this product. We are not a lender; the lender you are matched with decides whether to approve you and on what terms. This page explains what Arizona law allows, who enforces it, and what to check before you sign.

Are title loans legal in Arizona?

Yes, with a rate cap. The provisions that apply are A.R.S. Sections 44-281 to 44-295, esp. 44-281(12) (definition), 44-282 (license), 44-287 (contract contents), 44-289 (default), 44-291(G)-(I) (rate tiers, voidness, disclosure).

The operative language in the statute reads: “A retail installment contract that is a secondary motor vehicle finance transaction is subject to the following maximum finance rates”

Who regulates title lenders in Arizona

Title lenders in Arizona are supervised by the Arizona Department of Insurance and Financial Institutions, Financial Enterprises – Sales Finance Company license. You can check whether a lender holds a current license through the regulator’s license lookup. Complaints about a lender go to the regulator and can also be filed with the Consumer Financial Protection Bureau.

Rate caps and fees in Arizona

Maximum monthly finance rate by original principal amount: $500 or less 17% per month; more than $500 up to $2,500 15%; more than $2,500 up to $5,000 13%; more than $5,000 10% (A.R.S. 44-291(G)); annual rate = monthly rate x 12; charging more than permitted makes the transaction voidable with no right to collect principal, finance charges or fees, and a transaction by an unlicensed person is void (44-291(H)). Late/delinquency charge not to exceed 5% of the unpaid balance (44-291(C), per fetched summary).

Separately, federal law caps the Military Annual Percentage Rate at 36% for active-duty service members and their dependents on most consumer credit, including title loans (Military Lending Act, 32 CFR Part 232).

Rates, fees, and repayment terms are set by the lender you are matched with and vary by state. Before you sign, the lender will give you a full written disclosure of the APR, fees, payment schedule, and total cost. Loans Inc does not set or guarantee any loan terms.

What the Arizona cap means in dollars

Illustrative only. On a $1,000 loan for 30 days, the maximum finance charge allowed by A.R.S. 44-291(G) (15% per month for amounts over $500 up to $2,500) is about $150, for a total repayment of about $1,150. A lender may charge less than the maximum, and the written disclosure the lender gives you before you sign is the figure that counts. This is an illustration of a statutory ceiling, not an offer from any lender.

Repossession rules in Arizona

On default the licensee ‘shall comply with all provisions of title 47, chapter 9, article 6’ (Arizona UCC Article 9 default rules) and ‘All sales of repossessed vehicles shall be conducted in a commercially reasonable manner’ (44-289(B)); if the contract provides, holder may recover reasonable collection costs, reasonable attorney fees and court costs (44-289(A)). Notice before sale, right to cure, surplus and deficiency are left to UCC Article 9.1 text.

A title loan is secured by your vehicle. If you do not repay according to the loan agreement, the lender may repossess your vehicle. Late or missed payments may be reported and may affect your credit. If you are struggling to pay, contact the lender before the due date; the options available to you are set by the loan agreement and Arizona law.

Your rights as a borrower in Arizona

Contract must state cash price, insurance amounts, finance charge and rate, time balance and installment schedule, and a bold statement next to the signature line with DIFI’s telephone number and address (44-287(B)); a secondary motor vehicle finance transaction may instead satisfy federal disclosure law but must conspicuously disclose the annual secondary motor vehicle finance rate (44-291(I)); on prepayment only the earned finance charge may be kept, rebate not computed by the Rule of 78s (44-291(B), per fetched summary); no blank spaces when signed (44-289(D)); transfer-of-equity fee capped at $15 (44-289(C)).

How title loans work in Arizona: requirements and process

Lenders in our network typically ask Arizona applicants for:

• A vehicle title in your name, free of other liens
• A government-issued photo ID
• Proof of income or ability to repay
• Proof of Arizona residence
• A vehicle inspection, often completed with photos

You apply once through our site; the lender you are matched with reviews the application and vehicle and makes the approval decision. Read how our matching service works and the difference between a direct lender, a broker, and a lead generator. Loan amounts up to $25,000, depending on your vehicle’s value, your state, and the lender you are matched with. Many lenders in our network can fund approved loans as soon as the same business day. Timing depends on the lender’s approval, when you apply, document verification, and your bank’s processing.

Alternatives to a title loan in Arizona

Before you borrow against your car, compare lower-cost options available to Arizona residents. Federal credit unions can offer payday alternative loans with capped rates; use the NCUA credit union locator to find one near you. Dial 211 or visit 211.org for local emergency assistance programs. Nonprofit counselors listed by the National Foundation for Credit Counseling can help with a repayment plan. Our guide to title loan alternatives compares each option and when it costs less.

Frequently asked questions

Sources

Loans Inc is not a lender and does not make loans in any state. The information on this page is drawn from the sources listed below and is provided for general education. The lender you are matched with is responsible for complying with the laws of your state. Last reviewed 15 September 2026 by the Loans Inc Editorial Team. Next review due March 2027.