Frequently Asked Questions

Understanding Auto Title Loans

An Auto Title Loan is a short-term cash loan secured by your vehicle. We provide loans on cars or trucks.

Loan amounts range from $100 to $100,000, depending on your vehicle's value and your ability to repay.

Yes, you keep and continue driving your vehicle during the loan.

Loan amounts typically range from $100 to $100,000, but higher amounts may be available - call us to learn more.


Eligibility & Requirements

  • A vehicle (car or truck)
  • An Arizona Certificate of Title in your name
  • Valid photo ID
  • Proof of residency (e.g., recent mail)
  • Proof of Income
  • Be at least 18 years old

Full coverage is only required for loans over $2,500.

No. While having a paid-off vehicle can help you qualify for a higher amount, we may be able to pay off your existing loan and issue a new one. Call 602-322-1010 for details.

Employment isn't required. We consider various income sources, including self-employment, retirement, or unemployment benefits.

Please provide recent mail showing your name and current address as proof of residence.

We may still be able to help - call us at 602-322-1010 to discuss your options.

Yes, all Arizona lenders require an Arizona title. Converting an out-of-state title is simple, and we can help with the process.

We don’t base our approval decisions primarily on credit history.


Loan Process & Repayment

In most cases, you'll receive your funds in 30 minutes or less.

Payments can be made bi-weekly, semi-monthly, or monthly, tailored to fit your needs.

Yes, you can make payments online anytime.

Stay in touch with us. We’re here to help and can discuss options to keep you on track.

The loan term depends on both the amount borrowed and your chosen payment schedule.

Rates vary - apply now or contact a Tio Rico Te Ayuda representative for the best available offer.

Your payment schedule will be set as bi-weekly, semi-monthly, or monthly based on your loan details.

Give us a call - we’re here to help and discuss your options.

Yes! You can make a payment online anytime.

Stay in contact with us. You can also call customer care at (602) 345-8085—we’re here to help.

Funds are issued by check through Wells Fargo, which can also be cashed at any Wells Fargo branch.


Additional Information

No, we do not have year or mileage restrictions.

No appointment is necessary. We're available to help during regular business hours.

You'll receive a check from Tio Rico.