LoanMax Title Loans offers fast cash loans secured by vehicle titles, with loans up to $10,000 available at their Tucson, AZ location and multiple other Arizona branches.
Editorially reviewed by Harvey Brooks
LoanMax Title Loans was founded in 1990 in Jonesboro, Georgia, and has operated for over 25 years as a title loan provider serving customers across multiple states. The company positions itself as helping "hardworking Americans use the equity in their vehicle to access the cash they need." The Tucson location at 2530 E. Broadway Blvd is part of a larger network of Arizona branches including South Tucson, Casa Grande, Apache Junction, Chandler, and Mesa.
LoanMax offers auto title loans with loan amounts up to $10,000, subject to vehicle evaluation and ability to repay. The application process requires only three items: the vehicle, a photo ID, and a clear vehicle title. Customers can access funds quickly through this collateral-based lending model. The company accepts multiple payment methods including cash, check, debit card, and Western Union for loan payments.
The Tucson location operates Monday-Friday from 10:00 AM to 6:00 PM and Saturday from 9:00 AM to 2:00 PM. LoanMax differentiates itself through its long operating history, multiple convenient Arizona locations, and transparent regulatory compliance by displaying state licensing information for Virginia, Delaware, South Carolina, New Mexico, Nevada, and Michigan operations.
Title loans are a high-risk financial product typically involving significant interest rates and the risk of vehicle repossession if payments are not made. While LoanMax provides emergency access to cash based on vehicle equity, borrowers should understand that defaulting on a title loan means losing their vehicle. The company is licensed and regulated in multiple states, though Nevada specifically warns customers that title loans should only be used for short-term financial needs.
See which lenders actually approve borrowers with bad credit. We compared APRs, fees, minimum scores, and funding speed.
Yes. Auto Cash Title Loans is a registered company headquartered in 3921 E 29th St, Tucson, AZ 85711. They hold a NR rating with the Better Business Bureau.
CreditDoc Diagnosis
LoanMax Title Loans is best for vehicle owners facing emergency cash needs who have equity in their car and can repay within a short timeframe. The primary caveat is that title loans are high-risk products; defaulting results in vehicle repossession, and the cost of borrowing via title loans is typically much higher than traditional lending due to interest rates and fees.
Vehicle title lender offering secured loans up to $25,000 using your car title as collateral. No perfect credit required; funds available in as little as 30 minutes in-store.
Best for: Credit-challenged consumers who cannot qualify for traditional bank loans or credit cards, Vehicle owners in eligible states needing $1,000–$10,000 quickly
TitleMax offers car and motorcycle title loans up to $10,000, using your vehicle title as collateral for same-day cash. Operates in ~16 states.
Best for: Vehicle owners with a paid-off or nearly paid-off car or motorcycle who need same-day cash, Consumers with poor or no credit who are unable to qualify for bank loans or personal loans
Oportun offers personal loans with flexible payment options at physical retail locations nationwide, including grocery stores and pharmacies, plus a $50 referral bonus through their mobile app.
Best for: Unbanked or underbanked consumers who prefer cash-based payments over online banking, Borrowers with vehicle collateral seeking secured personal loans
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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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