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Title loans in Arizona

Title loans for bad credit in Arizona

Title loans are allowed in Arizona from state-licensed lenders (Sales Finance Company license). Here are the limits Arizona law sets, what a typical loan can cost, and where to get free help if you need it.

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Last updated .

Part of the Arizona guide

What Arizona law allows

Title loans in Arizona
ProductStatusAPR capAmountTermLicenseLaw
Title loans[1][2][3] AllowedHigh-cost loan 204% APR (top tier) Not set by statute Not set by statute Sales Finance Company license A.R.S. Section 44-291; A.R.S. Section 44-281; A.R.S. Section 44-282
Verified against the statute and regulator on September 23, 2026. Laws change; confirm with the regulator before you borrow.

Bars place each APR cap on a 0 to 400% scale; the pin marks the cap. A striped bar means the statute sets no numeric cap.

The rules in full

Title loans

Rate cap
A.R.S. Section 44-291(G) caps monthly finance rates on secondary motor vehicle finance transactions (title loans): 17% per month on $500 or less, 15% per month on $501 to $2,500, 13% per month on $2,501 to $5,000, and 10% per month on amounts over $5,000.
License
Sales Finance Company license issued by the Arizona Department of Insurance and Financial Institutions (DIFI); title loans are 'secondary motor vehicle finance transactions'.

Full detail for every loan type: Arizona lending laws.

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Rent and jobs in Arizona

Typical rent and the jobless rate, to weigh before a loan payment.

Rent and unemployment in Arizona
MeasureValueYear
Fair market rent, 2 bedroom (monthly)[4]$1,709FY2026
Unemployment rate[5]4.9%2026-08

Other options in Arizona

Cheaper options to try first

Worth checking whatever your credit: these can cost less than a high-rate loan.

  • Credit union payday alternative loans (PALs), capped at 28% APR under NCUA rules (12 CFR 701.21).
  • Nonprofit credit counseling through the National Foundation for Credit Counseling.
  • A payment plan from the company you owe, if you ask before you miss a payment.
  • 211 for help with rent, utilities and food: call 211 or visit 211.org.

More cheaper options in Arizona.

Other loan types allowed in Arizona

See every loan type Arizona law allows.

Title loans in nearby states

  • New MexicoNot allowed Not allowed
  • UtahAllowedNo rate limit in state law No rate limit
  • NevadaAllowedNo rate limit in state law No rate limit
  • ColoradoAllowedHigh-cost loan 36% APR
  • CaliforniaAllowedHigh-cost loan 36% APR

Sources

  1. difi.az.gov/faq/what-maximum-interest-rate-auto-title-loans. Retrieved September 23, 2026.
  2. difi.az.gov. Arizona Department of Financial Institutions (DIFI). Retrieved September 23, 2026.
  3. azleg.gov. A.R.S. Section 44-291. Retrieved September 23, 2026.
  4. National Low Income Housing Coalition. Out of Reach 2026: Arizona. Retrieved September 23, 2026.
  5. U.S. Bureau of Labor Statistics. Local Area Unemployment Statistics (LAUS), All States, Seasonally Adjusted. Retrieved September 23, 2026.

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Important disclosures

APRs vary by lender and state in Arizona. Each lender sets its own rates and terms and must show you the APR before you sign.

Representative example

Amount borrowed
$1,000
Annual percentage rate (APR)
180%
Repayment
12 monthly payments
Payment
$184.48
Finance charge
$1,213.76
Total of payments
$2,213.76

Example: a $1,000 title loan at 180% APR repaid in 12 monthly payments of $184.48 costs $2,213.76 in total, including a finance charge of $1,213.76. Illustration only; your lender will disclose your actual APR, payment schedule and total cost before you accept a loan.

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  • Questions about a lender licensed in Arizona? Contact the Arizona Department of Financial Institutions (DIFI) or file a state complaint.
  • You can submit a complaint about any lender to the Consumer Financial Protection Bureau at consumerfinance.gov/complaint.