Title Loan Frequently Asked Questions

Title Loans for Arizona Residents

Who is Cash-N-Go Title Loans?
What is an auto title loan?
Does my car need to be paid off to get a loan?
Do I get to drive my car during the auto title loan?
Do you charge anything to see if I qualify for the loan?
Do I need to be currently employed?
What is required for an auto title loan?
Do I have to bring in the car?
How long does it take to get a title loan?
How are the loan proceeds given to me?
Does my car title need to be in my name?
What if my vehicle is not registered in Arizona?
Do I have to go to the MVD?
My car is worth more than what you can lend me, why?
What payment options does Cash-N-Go offer?
As I pay on the auto title loan are you charging interest on the original amount I borrowed?
When is the first payment due?
What will happen if I don’t make my payments on time?
What if I can payoff my loan before the loan term expires?
Will I get a bill every month?
How will this help my credit?
I have extremely bad credit. Can I still get approved for a title loan?
How secure is my information?
Is my information kept private?
Will you sell my information?
Are you a local business accredited with the Better Business Bureau?
What if I’m active duty military?

Who is Cash-N-Go Title Loans?
In 1995, Title Leasing Company was established at our current address for the purpose of lending money and providing title loans for Arizona residents using the equity in their cars as collateral. The ownership and management have remained unchanged since 1995. Our company’s goal is to serve our customers with fast, friendly, and professional loan assistance. And we must be doing something right since 40 percent of the loan contracts we write are to return customers.

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What is an auto title loan?
An auto title loan is a personal loan that is based on the value of your vehicle and is secured by your vehicle as collateral. The lender is put on the vehicle’s title as the lien holder. The customer will get to keep driving the vehicle, just like one would when making payments on a regular financed car purchase. An auto title loan differs from an auto pawn loan, which requires the customer to leave their vehicle with the pawn shop.

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Does my car need to be paid off to get a loan?
Actually no. Many people who have a few payments left on any loan (car title loan with another company, bank loan, dealership financing, etc.) still qualify. We will pay off the loan and you get the extra cash.

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Do I get to drive my car during the auto title loan?
Absolutely!

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Do you charge anything to see if I qualify for the loan?
Not a cent! The process of getting a title loan starts with finding out how much you can get. Then you fill out an application and define how you would like the loan to be structured, so you have a customized loan just for you. This costs you nothing! Why not get started now?

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Do I need to be currently employed?
No. We do need to know that you have the means to make payments. This means you need some sort of provable income. Talk to us about the amounts but don’t worry, as we do allow co-signers if needed.

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What is required for an auto title loan?

  1. Arizona title (with lien release if applicable)
  2. Current Arizona registration
  3. Proof of insurance (loans over $2500 need full coverage)
  4. Valid driver’s license
  5. Proof of residence (current utility bill, mortgage statement, lease with another piece of mail confirming lease address, or four pieces of mail dated in the last thirty days)
  6. Proof of income (recent pay stub, direct deposit, award letter, co-signer’s income, or if self-employed a recent bank statement)
  7. If you have a co-signer on the loan, we’ll need an application from them as well as their driver’s license, proof of residence, and proof of income
  8. Spare key (if costly, this can be waived)
  9. Four to five references (not living together, only for emergency)
  10. Vehicle for inspection
  11. Come in at least one hour before close to get the loan funded on the same day.

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Do I have to bring in the car?
Yes, we need to appraise your vehicle. The loan amount is dependent upon the condition.

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How long does it take to get a title loan?
The entire application process is extremely quick and easy. The over-the-phone application takes a couple minutes. You will then receive a quick call back with approval confirmation. Once you get to our office, for auto inspection and paperwork processing, your funds can be issued to you in as little as thirty minutes.

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How are the loan proceeds given to me?
Cash-N-Go will provide you with a check that can be deposited into your bank account or can be cashed at any Bank of America branch.

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Does my car title need to be in my name?
Yes. The person whose name appears on the title is the one who can get a title loan. The title cannot be a signed-over open title. If the title is in two names, and the status indicates an “OR” then either person can sign. But, if the ownership indicates an “AND/OR” both individuals will need to sign for the loan.

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What if my vehicle is not registered in Arizona?
If your car is older than the last five years, then you will need to take your vehicle through smog-emissions inspection and bring in the pass-report. We will take care of the rest of the paperwork and we can deduct the registration costs from the loan if necessary.

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Do I have to go to the MVD?
No, all you have to do is bring us your Arizona title, and we will do all the work. The MVD holds your title with an electronic lien while your loan is open, and will mail it back to you upon payoff.

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My car is worth more than what you can lend me, Why?
We realize your vehicle is worth more; however, we loan only a percentage of the vehicle’s value.

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What payment options does Cash-N-Go offer?
There are several options conveniently available for you. Payments can be easily made via the mail, phone, or internet using debit/credit card or electronic check. You may also set up monthly automatic electronic debits from your checking account or pay at our office.

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As I pay on the auto title loan are you charging interest on the original amount I borrowed?
No, with AzCashnGo.com title loans you only pay interest on the amount of principal left on the title loan. This saves you money as you pay down the title loan balance.

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When is the first payment due?
Usually your first title loan payment will be due about 30 days after we fund your title loan.

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What will happen if I don’t make my payments on time?
It is important that you make your payments on time, under any circumstance. It is also very important to keep open communication with our office. Make sure we have a current phone number and address for you at all times, and call us if you have difficulty. We will make every attempt to work out payment arrangements with you. If a customer doesn’t make payments or is not responsive to the lender, then there is a possibility that the vehicle could be repossessed. However, repossession is a last option since it is very costly and time consuming. Repossession could also negatively affect your credit score.

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What if I can payoff my loan before the loan term expires?
You can payoff at anytime without a prepayment penalty. If you have your loan out for only a few days, your payoff amount will include the principal borrowed plus only daily interest for those few days the loan was open.

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Will I get a bill every month?
Just like other auto loans through the bank you will get a statement from us. It will show your balance and payment amount due. We accept multiple payment methods to make it a quick and hassle-free process to pay your bill.

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How will this help my credit?
We normally report to the credit bureaus only if the loan is not paid satisfactorily. But, if you request, after paying off your loan we can give you a letter of payment history, which you can then submit to the credit reporting agencies in order to help increase your score.

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I have extremely bad credit. Can I still get approved for a title loan?
Yes, you can still get approved for a title loan despite having bad credit. We approve loans for customers depending on how much their vehicle is worth, their capability to pay back, and the information they provide on their application. Your loan can be quickly approved in just a few minutes, almost regardless of your credit history. We recognize that some people have financial difficulties from time to time, and Cash-N-Go is here to assist you. Call us now and a loan specialist will be happy to give you more details.

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How secure is my information?
Cash-N-Go takes security and your privacy to the highest level. On our website, we use only the latest encryption techniques so your information will not be available to third parties either when you are online or after you leave our website.

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Is my information kept private?
We absolutely protect the confidentiality of your transaction and would only share your information with third party providers in accordance with our privacy policy for the purpose of fraud prevention and detection.

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Will you sell my information?
No. Cash-N-Go never sells client information!!!

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Are you a local business accredited with the Better Business Bureau?
Yes, we are rated A+. It is important to confirm which auto title loan companies are in good standing with the BBB. So you can select a trustworthy, reputable car title loan company. You can get information either on the BBB website or by calling them directly.

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What if I’m active duty military?
Federal law provides important protections for active duty members (or inactive ready reserve/national guard) of the armed forces and their dependents, therefore we are unable to do loans for these individuals. We encourage you to check into financial assistance programs that are available from your branch of service.

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Cash-N-Go provides title loans in the following citiesCity Arrow