Disclosures
Collections Practices
Your Title Loan in Arizona is secured by your vehicle. Missing one payment by a single day could trigger a default and put your vehicle at risk of repossession. For your convenience, during regular business hours we accept payments by cash, check, money order, and debit card. We can also process electronic payments (ACH) from your checking account. All payments made at an Express Loan Center will be credited to your account the following business day. Payments placed in an outside drop box (no cash) after regular business hours will also be credited to your account the following business day. We may contact you by telephone, email or regular mail regarding your account.
Failure to make your regularly scheduled payments may result in the repossession of your vehicle. If a payment is more than 10 days past due, you will be charged a Late Fee equal to 5% of the payment.
Renewal Policy
You may request a renewal of your loan. However we are not obligated to do so. Your loan renewal will be structured as a Fully Amortized Loan with principal reductions. There are no fees for a loan renewal.
Annual Percentage Rates (APR):
*Arizona Maximum Annual Finance Rates:
| Loan Amount | Rate |
| $0-$500 | 204% |
| $501-$2500 | 180% |
| $2501-$5000 | 156% |
| $5001 and up | 120% |
* ARS § 44-291(G)
** APR may vary depending on loan amount and term.
Examples of Fully Amortized Loan Terms and Costs:
Arizona Title Loans:
| Loan Amount | Interest Rate | Loan Term | Payment Frequency | # of Payments | Paymentt |
| $2,500 | 167.541% | 24 Months | Bi-Weekly | 51 | $169.04 |
Arizona Personal Loans:
| Loan Amount | Interest Rate | Loan Term | Payment Frequency | # of Payments | Payment |
| $1,000 | 179.507% | 12 Months | Bi-Weekly | 25 | $83.81 |