Registration Loans & Title Loans Mesa, AZ

In the past few years, title loans have been given quite a bad reputation. The reason for this is because not everyone actually understands just what a title loan is.

Once you are fully aware of how title loans in Arizona work, you’ll see just how useful they can be.

Velocity Cash is a company that works hard to ensure that all of our valued customers get a registration loan that is right for them and that they will have no problem paying back.

We certainly want repeat customers and we go out of our way to guarantee satisfaction with our services.

Title loans are comparable to payday loans in the sense that they allow borrowers who don’t have good credit to borrow money with minimal requirements.

Downtown Mesa, AZ at sunset

However, unlike a payday loan, title loans use the existing equity of your vehicle as a sort of collateral for a cash loan. You must actually own your vehicle in order to qualify for title loans in Mesa, AZ.

If you do, you will be eligible for a loan in the hundreds or even thousands.

Advantages of Title Loans Mesa

There are many different advantages that can be gained when applying for title loans in Phoenix. To start, you only have to own your vehicle in order to be approved.

You cannot have any payments left on the automobile and must have the actual hard copy title to it in your possession. The title is handed over to Velocity Cash for the duration of your title loan. This is another area that people don’t always understand.

You don’t actually give your vehicle to a title loan company in exchange for a registration loan; you only give them the title to it.

You are free to use your vehicle as you normally would the entire time. Basically, you are getting cash for simply letting us hold the title to your automobile and nothing else.

Credit Checks are Non-Existent

When you apply for title loans in Mesa, you never have to worry about your past credit history. That’s because we don’t check your credit score in order to approve you for your cash advance.

We understand that a lot of our borrowers have had credit problems and money issues in the past. We also understand that it shouldn’t have a bearing on being approved for a loan.

Since you are using the title of your vehicle as collateral, we are prepared to take a chance on you.

Customers come to us believing that they cannot get a registration loan because of a low score and this simply isn’t true.

Even our clients that have dealt with repossessions and bankruptcies in the past do not have to worry that this will affect their ability to borrow money. We don’t run a background check, as well.

Our Application Process is a Breeze

Applying for title loans in Mesa shouldn’t be difficult. We have designed our application to be as user-friendly as possible in order to make it easy to fill out.

You are already here so you may as well fill out an application to see if you qualify for a loan! You will need to supply us with the following information:

  • Name
  • Phone number
  • Zip code
  • Make and model of the automobile
  • Mileage

We can process your application after you provide us with this information. You’ll get a free quote in just seconds and you can decide from there if you wish to proceed.

How We Decide the Loan Amount

We use a title loan calculator to determine the value of the vehicle you are using as collateral. We also check the current blue book value of the car, as well. We strive to make sure you get the best deal for your situation!

You will also be responsible for paying off a small interest rate when the loan is due back. The average interest rate on car title loans varies from state to state, but we offer the lowest interest rates in Arizona.

Paying Mesa, AZ Title Loans

We want you to enjoy the loan knowing that you can easily repay it when it is due.

A representative of Velocity Cash will be in touch with you after you send in the online form. They will help you finalize the application and also answer any of your questions or concerns about the loan.

If at any time you wish to talk to someone while you are using the cash, please call and speak to one of our agents. They will always be happy to assist you.

What Can I Use the Loan For?

Our customers use registration loans for a variety of purposes. One of the biggest reasons that many come to us for help is because of the anonymity we provide.

Instead of having to go to a bank for a loan or asking family or friends, you simply log on and apply, day or night, even on Sundays.

No one needs to know your business except you. Our website is safe and secure and we never sell your information to a third-party.

You can use the cash you receive from us for the following:

  • Utility payments
  • Prescriptions
  • Medical bills
  • College loans
  • Home repairs
  • Car repairs
  • New clothes
  • Vacation
  • Groceries
  • Funeral costs
  • Wedding expenses

This is just a partial list of all the ways a title loan can help. You never have to disclose the reason you need a loan on our application and we make sure to keep your information safe.

Arizona Title Loan Laws

At Velocity Cash, we make sure that we abide by all the rules of the state concerning title loans. These regulations fall under the Motor Vehicle Time Sales Disclosure Act of Arizona:

  • No limits concerning the maximum amount that can be borrowed
  • All borrowers must be at least 18 years old to enter into a written agreement
  • Borrowers must turn over the title to their vehicle during the registration loan period
  • A motor home that doubles as a primary residence will not be considered for a loan

We also offer different interest rates that are determined by the amount that is borrowed. These are as follows:

  • Loans of $500 and less- 17% per month
  • Loans of $501-$2,500- 15% per month
  • Loans of $2,501-$5,000 -13% per month
  • Loans of $5,000 or more- 10% per month

What Type of Vehicle May be Used?

As long as you own the automobile that you wish to use, it will be eligible for a title loan, no matter what type of condition it is in.

You may use a sports car, truck, sports utility vehicle, van, Jeep or motorcycle as collateral for a fast cash loan. Just have the hard copy title on hand and you are all set.

If you find that you are having trouble repaying the registration loan, then call us right away. We can set you up with an extension that will allow you another month to repay the loan.

Mesa, AZ Payments

All you have to do is pay the original interest rate by the due date and you will be given additional time to pay off the principle balance.

We will always work with you when it comes to your problems. Give our title loans or online installment loans a try and find out how much your current vehicle is worth today.

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