West · Vehicle-title lending · State statute guide
Title loan laws in Arizona
Yes — Arizona licenses single-payment title loans. State law sets what a lender may charge and when it may take your vehicle; the limits below are the legal ceiling.
Are title loans legal in Arizona?
Yes — Arizona licenses single-payment title loans. State law sets what a lender may charge and when it may take your vehicle; the limits below are the legal ceiling.
Statute: A.R.S. §44-291
A title loan is secured by your vehicle, so legality is only half the question — the other half is what the statute lets the lender do with the lien if you fall behind. In Arizona, repossession and sale are regulated processes with notice and surplus protections.
What a title loan really costs
Arizona's cap: 17%/mo ≤$500; 15% ≤$2,500; 13% ≤$5,000; 10% above. On a secured loan of $1,000 that is roughly $250 in fees for one month. Installment structures spread the cost but multiply the months — read the total of payments, not the monthly figure.
Repossession: when the lender can take the car
In Arizona a title lender must follow the statutory default process — typically a cure period and written notice before repossession, and an accounting of the sale if the car is sold. Anything beyond the vehicle's debt surplus generally has to come back to you.
Who regulates title lending in Arizona?
Arizona Department of Insurance and Financial Institutions licenses title lenders and takes complaints — the license lookup and complaint desk are at difi.az.gov.
Repossession rules in Arizona
Where title lending is licensed, repossession follows the commercial-code baseline that every secured lender must run: a genuine default, written notice and a chance to cure, a commercially reasonable sale of the vehicle, and any surplus above the debt returned to the borrower. Arizona's notice periods and licensing enforcement run through the Arizona Department of Insurance and Financial Institutions (difi.az.gov) — the same office that takes title-lender complaints.
Before a missed payment becomes a default, request the extended payment plan in writing: it pauses the repossession clock and costs a fraction of recovery fees.
Last verified September 6, 2026 · Statute: A.R.S. §44-291 · Source: Arizona Department of Insurance and Financial Institutions · Not legal advice — confirm with the regulator.
Questions about Arizona title loan laws
What is the maximum title loan amount in Arizona?
State law or the lender’s underwriting sets the ceiling — commonly a share of the vehicle’s resale value.
Can the lender repossess my car in Arizona?
Only as the statute allows: in lending states repossession generally requires a default, advance notice and a right to cure, and the lender must usually return any surplus from the sale above your debt. Check the Arizona Department of Insurance and Financial Institutions's rules before you sign.
How much does a title loan cost in Arizona?
The statutory cap: 17%/mo ≤$500; 15% ≤$2,500; 13% ≤$5,000; 10% above. Compare the total of payments, not the monthly rate — a 25% monthly fee is about 300% APR on a single-payment note.
Are online title loans legal in Arizona?
Only from a lender licensed in Arizona. The lien, disclosures and rollover limits follow your state's statute no matter where the website is based.
Where do I report an illegal title lender in Arizona?
To the Arizona Department of Insurance and Financial Institutions (difi.az.gov). Bring the title agreement and payment history; if the lender is unlicensed, also notify the Arizona Attorney General and the CFPB.
What are the repossession laws in Arizona?
Secured-lending repossession everywhere follows the same baseline: a genuine default, written notice with a chance to cure, a commercially reasonable sale, and any surplus above the debt returned to the borrower. Arizona's notice periods and licensing enforcement run through the Arizona Department of Insurance and Financial Institutions. Before missing a payment, request the extended payment plan in writing — it pauses the clock and costs far less than recovery fees.