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Title Loan

About Title Loans

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Application Process

Payments and Cancellations

About ACE

About Title Loans


A title loan is a loan in which a vehicle serves as collateral for the loan amount.

The availability of loans and available loan amounts vary for each state. Minimum and maximum loan amounts vary by state. If approved, the amount you may borrow will depend upon your income and standard underwriting criteria.1

In Arizona, vehicle registration loans are available from $100 - $1,500.

Absolutely! If approved, you get the money, and you get to keep driving your vehicle.1

Yes, title loans are available for motorcycles in-store in Arizona, Louisiana, Oregon, select Tennessee stores, and Texas.

A vehicle registration loan is a type of title loan available in Arizona.

Application Process


General Requirements:

  • You are required to be on the title for the vehicle you are presenting as collateral, and the vehicle must be clear of any liens.2 
  • Titles with two or more names are accepted, but all people must be present in the store to complete the process. The store associate will instruct you on how to sign the documents if you are approved. 
  • Provide proof of a steady source of recurring income, such as employment, disability, retirement, self-employment, or another income source.   
  • You must be at least 18 years old.
  • You must not be a member of the Army, Navy, Marine Corps, Air Force, or Coast Guard, serving on active duty under a call or order that does not specify a period of 30 days or fewer, a member of the reserves (including National Guard) on active duty, or be a dependent of any such a member.
  • You must bring a valid, government-issued ID. A Social Security Number is not required. 

 

Use the Store Locator to find an ACE location near you that offers title loans. Visit an ACE Cash Express location to apply in person. Be sure to bring in a clear title with your name on it, a valid, government issued ID, and evidence of a steady source of income such as employment, retirement, disability, self-employment, or another recurring source of income.2 If your title has two names on it, both people must be present in the store to complete the process. 

You do not have to be employed and you may be retired, but you must have a steady source of recurring income. Depending on your state and the type of loan, you could provide a bank statement, pay stub, or benefits statement. 

Your vehicle needs to be paid off for a title loan. Your vehicle does not need to be paid off for a vehicle registration loan in Arizona.

You will need to produce a title to be eligible for a title loan in-store. You should contact your local tax office or Department of Motor Vehicles to replace your title.

You may apply for a title loan if your vehicle is titled in another state.

Titles with two or more names are accepted, but all people must be present in the store to complete the title loan application process. The store associate will instruct you on how to sign the documents if you are approved.

The person named on the title will be the only person able to take out a title loan or obtain credit services using that title as collateral. If you recently bought your vehicle and the title is not yet in your name, you will need to have the title transferred at your local tax office or DMV before you can use that title as collateral for a title loan.

No. You can only use one vehicle per title loan.

No. You will not be charged to apply for a title loan, whether or not you are approved. 

You will be notified of the loan decision immediately following completion of your application. If you are approved, you will immediately receive your approved loan amount in cash. 

Payments and Cancellation Information


Your loan due date(s) and term (length) of the loan will vary by state. You will be able to review the due date(s) prior to signing your loan agreement, if your loan is approved.

You should pay your loan in the store where the loan was originated with cash on or before the due date(s). You will not be penalized for making an early payment.

If you repay your loan in full at any time, you will only be responsible for accrued interest and fees on the outstanding principal through the date of repayment.

Every ACE loan comes with a 72-hour satisfaction guarantee. To cancel the loan, you must return the proceeds from your loan to the store where your loan was originated within 72 hours of receiving your loan. Depending on your state, you may also be required to sign a cancellation notice that was provided to you at the time of approval.

About ACE


We make it easy to obtain cash when you need it most. ACE Cash Express is a leading financial services provider specializing in short-term consumer loans, card services, bill payments, check cashing, money transfers, and money orders. In business since 1968, ACE Cash Express focuses on serving consumers seeking alternatives to traditional banking relationships by gaining convenient, immediate access to financial services. 

A Credit Services Organization (CSO) is a company that earns compensation by, among other things, helping consumers obtain loans from a lender. A Credit Access Business (CAB) is a type of CSO that helps people obtain payday and title loans from a lender. CSOs are not lenders and do not make loans.

List of states where ACE Cash Express is the lender:

  • Arizona
  • Louisiana
  • Oregon
  • Tennessee

List of states where ACE Credit Access LLC is a CSO and a CAB:

  • Texas