Fast Auto Loans, Inc. offers title loans ($300–$15,000) and registration loans (up to $2,500) with same-day funding across Arizona locations. No credit check required.
Editorially reviewed by Harvey Brooks
Fast Auto Loans, Inc. is a title loan and registration loan lender with multiple locations across Arizona, including Glendale, Peoria, and Phoenix. The company specializes in short-term collateral-based lending for consumers seeking emergency cash. Founded to serve customers who need quick funds regardless of credit history, Fast Auto Loans positions itself as a direct lender with local store presence and online application options.
The company offers two primary loan products: title loans (up to $15,000) secured by a lien-free vehicle title, and registration loans (up to $2,500) based on current vehicle registration and proof of income. Both products advertise same-day or 30-minute approval and funding. Fast Auto Loans accepts all credit types and emphasizes that approval depends more on vehicle condition and required documentation than credit history. Applicants can apply online or in person at any of their four Arizona locations.
Fast Auto Loans distinguishes itself through multiple service channels (online and in-store), local lending with direct store involvement in approval decisions, bilingual support (English and Spanish), and a simplified application process requiring only basic documentation: valid ID, vehicle inspection, and lien-free title (for title loans) or proof of income (for registration loans). The company advertises fast callback from local representatives and transparent required-items lists on their website.
As a collateral-based emergency lender, Fast Auto Loans serves a high-risk segment of the consumer finance market. While same-day funding and no-credit-check approval are genuine advantages for customers in crisis, title and registration loans typically carry higher interest rates and fees than unsecured personal loans, and vehicle seizure is a real enforcement mechanism. The company does not publicly disclose APRs, fees, or repayment terms on the reviewed content, which limits transparency. Customers should carefully review loan agreements before proceeding.
See which lenders actually approve borrowers with bad credit. We compared APRs, fees, minimum scores, and funding speed.
Yes. Fast Auto Loans, Inc. is a registered company headquartered in 4217 W Camelback Rd #2, Phoenix, AZ 85019. They hold a NR rating with the Better Business Bureau.
CreditDoc Diagnosis
Fast Auto Loans, Inc. is best for Arizona residents with poor credit or no credit history who own a vehicle and need emergency cash within hours, not days. The critical caveat is that title and registration loans are high-cost debt products secured by your vehicle; defaulting risks repossession. Borrowers should only use this for true emergencies and must review all fees and APRs (not provided on the website) before committing.
TitleMax offers car and motorcycle title loans using your vehicle as collateral, with 30-minute approvals, no credit check, and 1,000+ store locations across 16 states.
Best for: Consumers with poor or no credit history who own a paid-off car or motorcycle outright, Individuals needing same-day cash who have been declined by banks, credit unions, or online lenders
Trade association for Arizona private money lenders offering real estate-secured loans. Connects borrowers with member lenders through a centralized loan request platform.
Best for: Commercial real estate investors and developers seeking fast, non-traditional financing secured by property collateral, Borrowers unable to qualify for traditional bank mortgages who need multiple private lender quotes simultaneously
Arizona-based mortgage broker operating since 1998, offering conventional, FHA, VA, jumbo, and reverse mortgages throughout Arizona with licensed loan officers.
Best for: Arizona homebuyers and refinancers seeking personalized service over automated processes, Military borrowers and first-time homebuyers eligible for government-backed loan programs
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Read guide →New to credit and lending? Here are the key terms used on this page, explained in plain language with real-number examples.
The total yearly cost of borrowing money, including the interest rate plus any fees the lender charges. Think of it as the 'true price tag' on a loan.
Lenders must show APR by law (Truth in Lending Act) because the interest rate alone can hide fees. Comparing APR across lenders is the most reliable way to find the cheapest loan.
Example
You borrow $10,000 at 6% interest for 3 years, but there's a $300 origination fee. The interest rate is 6%, but the APR is 6.9% because it includes that fee. You'd pay $304/month and $946 total in interest.
Interest calculated on both the original amount borrowed AND the interest that's already been added. It's 'interest on interest' — and it makes debt grow faster than you'd expect.
Credit cards and many loans use compound interest. If you only make minimum payments, compound interest is why a $3,000 balance can take 15 years to pay off.
Example
You owe $1,000 at 20% annual interest compounded monthly. After month 1 you owe $1,016.67. Month 2, interest is charged on $1,016.67 (not $1,000), so you owe $1,033.61. After 1 year without payments: $1,219.
A special APR calculation used for military servicemembers that includes ALL costs — fees, insurance, and add-ons — capped at 36% by federal law.
The Military Lending Act protects active-duty servicemembers and their families from predatory lending. Any lender charging above 36% MAPR to military is breaking federal law.
Example
A payday lender charges a $15 fee per $100 borrowed for 2 weeks. For civilians, that's technically legal in some states. For military: that works out to 391% MAPR — illegal under the MLA.
The maximum interest rate a lender can legally charge in a particular state. Charging above this rate is called 'usury' and is illegal.
Usury laws are your main legal protection against predatory interest rates. But beware: some states have weak or no usury caps, and federal banks can sometimes override state limits.
Example
New York caps interest at 16% for most consumer loans (25% is criminal usury). If a lender tries to charge you 30% in NY, that loan is unenforceable — you could fight it in court.
An asset you pledge to the lender as security for a loan. If you stop paying, the lender can seize and sell that asset to recover their money.
Secured loans (with collateral) have lower interest rates because the lender has less risk. But you could lose your home, car, or savings if you default.
Example
A mortgage uses your house as collateral. A car loan uses your vehicle. A title loan uses your car title. If you miss payments, the lender can foreclose or repossess.
A charge added to your account when you miss a payment deadline. Most credit cards charge $29-$41 per late payment, and many loans have similar penalties.
The fee itself hurts, but the real damage is to your credit score. A payment 30+ days late stays on your credit report for 7 years and can drop your score 60-110 points.
Example
Your credit card payment of $150 is due March 1. You pay on March 18. The bank charges a $39 late fee. If it's 30+ days late, it gets reported to credit bureaus and your 760 score drops to 670.
A fee your bank charges when a payment bounces because there isn't enough money in your account. Also called a 'bounced check fee' or 'returned payment fee.'
NSF fees hit you twice — your bank charges you AND the company you were trying to pay may charge their own returned payment fee. That's $50-70 for one missed payment.
Example
Your auto-pay tries to pull $350 for rent, but you only have $280 in checking. Your bank charges $35 NSF fee. Your landlord charges $25 returned payment fee. Total damage: $60 in fees.
The practice of charging interest rates higher than what the law allows. Usury laws set state-specific caps on how much lenders can charge.
If a lender charges usurious rates, the loan may be void, penalties can be reduced, or you may be entitled to damages. Know your state's limits.
Example
Your state caps consumer loans at 24% APR. An online lender charges you 36%. That loan may be unenforceable, and you might only need to repay the principal — no interest or fees.
Using your credit card to get cash from an ATM or bank. It's one of the most expensive ways to borrow — higher interest rate, immediate interest accrual (no grace period), and an upfront fee.
Cash advances are a debt trap: 25-30% APR with no grace period plus a 3-5% fee. Interest starts the second you withdraw, not at the end of the billing cycle.
Example
You take a $500 cash advance. Fee: $25 (5%). Interest: 28% APR starting immediately. After 30 days, you owe $536.67. After 6 months of minimum payments, you've paid $85 in interest on $500.
Want to learn more? Read our Financial Wellness Guides for in-depth explanations and practical advice.
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