Yes. Title loans are legal in Arizona, and lenders must follow the Arizona Revised Statutes § 44-291 (Secondary Motor Vehicle Finance Transactions).
Title loan rules in Arizona at a glance
| Title-loan law | Arizona Revised Statutes § 44-291 (Secondary Motor Vehicle Finance Transactions) |
|---|---|
| Rate cap | Tiered per month: 17% / 15% / 13% / 10% (~120%-204% APR) |
| Rollovers and renewals | No statutory renewal limit; the holder may extend, defer, renew or restate the contract at the borrower's request for a refinance charge (A.R.S. § 44-293) |
| Repossession | Allowed after default |
| Owe the balance after the car is sold? | Yes, the lender may collect what the sale did not cover. Check the statute for any minimum balance |
| Lender license | Required (Arizona Department of Insurance and Financial Institutions (DIFI)) |
| Statute | A.R.S. §§ 44-281 to 44-295 (rates § 44-291; licence § 44-282; default § 44-289(B)) |
Source: A.R.S. §§ 44-281 to 44-295 (rates § 44-291; licence § 44-282; default § 44-289(B)) (read the law). We last checked it against the statute on October 3, 2026. See title loan laws in every state.
Maximum rate by loan size in Arizona
| Loan amount | Maximum rate |
|---|---|
| Up to $500 | 204% |
| $501 to $2,500 | 180% |
| $2,501 to $5,000 | 156% |
| Over $5,000 | 120% |
The rate is set by the loan amount and applies to the whole loan (A.R.S. 44-291(G)).
What a title loan costs in Arizona
Under Arizona's rate rules, borrowing $500 for 30 days costs $85 in interest or fees, so you repay $585 (204% APR). Your offer may differ.
| Loan | Term | Interest and fees | Total repaid | APR |
|---|---|---|---|---|
| $500 | 30 days | $85 | $585 | 204% |
| $2,500 | 30 days | $375 | $2,875 | 180% |
| $5,000 | 30 days | $650 | $5,650 | 156% |
| $6,000 | 30 days | $600 | $6,600 | 120% |
Check whether the lender adds any fees: the written disclosure must show the full cost and the APR with every fee included.
What happens if you can't repay
If you fall behind, the lender can repossess your car. Read the default and notice terms in your contract before you sign. If the car is sold for less than you owe, the lender may be able to collect the difference. Some states allow this only when the unpaid balance is above a set amount, so check the statute or ask the lender.
If you think you will miss a payment, call the lender before the due date and ask what options it offers.
How to check a lender in Arizona
Title lenders in Arizona must be licensed (Arizona Department of Insurance and Financial Institutions (DIFI)). Search for the lender on the official license lookup before you sign. Lenditup does not check lender licenses for you (see how we verify).
Looking for a loan in Arizona?
A title loan puts your car at risk, so compare it with a personal installment loan first. If a title loan is still the right fit, you can send one request and see what lenders and lending marketplaces in our network offer.
Lenditup is not a lender. Sending a request does not mean you will be approved; each lender sets its own rates and terms within Arizona law.
Title loan questions for Arizona
01What is the most a title lender can charge in Arizona?
02Can I roll over a title loan in Arizona?
03What happens if I can't repay a title loan in Arizona?
04How do I check that a title lender is licensed in Arizona?
05Is Lenditup a title lender in Arizona?
Title loan laws in other states
- Alabama
- Alaska
- Arizona
- California
- Colorado
- Delaware
- District of Columbia
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Mexico
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- West Virginia
- Wisconsin
- Wyoming
Compare every state side by side on the state title loan law table, or read how title loans work and what lenders ask for.