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Fast Auto Loans, Inc. in Mesa, AZ
Fast Auto Loans, Inc. Mesa, Arizona — Arizona direct lender offering vehicle title loans ($300–$15,000) and registration loans up to $2,500 with same-da...
Data compiled from public sources · Rating from CreditDoc methodology
Fast Auto Loans, Inc. Review
Fast Auto Loans, Inc. is a direct local lender operating multiple brick-and-mortar stores across the Phoenix metro area, with locations in Glendale, Peoria, and two Phoenix locations. The company specializes exclusively in vehicle-secured lending products for Arizona residents, positioning itself as a community-facing alternative to national online lenders. It is not a broker — applications submitted online are routed directly to the nearest local store for processing.
The company offers two core products. Title loans range from $300 to $15,000 and require the borrower to hold a lien-free vehicle title, which is used as collateral. Registration loans go up to $2,500 and are available to borrowers who cannot provide a lien-free title but do have a current Arizona vehicle registration, proof of income, and a checking account. Both products can be initiated online or in person, and the company advertises same-day funding with a process that can take as little as 30 minutes from application to cash.
What distinguishes Fast Auto Loans from national title lending chains is its local direct-lending model. Store representatives call applicants directly, explain terms, and verify required documents before the customer visits. The company also serves Spanish-speaking customers (Español option on the website) and explicitly welcomes all credit types, including bad credit, making credit history a secondary factor in approval decisions behind vehicle condition and documentation.
Honestly assessed, title loans are among the most expensive forms of consumer borrowing, and Fast Auto Loans does not display APRs or fee schedules on its location pages — these are deferred to a separate Rates, Fees & Terms page. The vehicle serves as collateral, meaning default carries the real risk of repossession. Registration loans are less risky in that respect but are capped at $2,500. The product is useful for genuine emergencies when no lower-cost option is available, but borrowers should treat this as a last resort and understand the full cost of borrowing before signing.
Services & Features
Bad credit and no-credit lending
In-person store application (4 Arizona locations)
In-store vehicle inspection
Loan payment processing (online and in-store)
Online title loan application
Phone callback from local store representative
Registration loans (up to $2,500)
Same-day cash disbursement
Spanish-language customer service
Vehicle title loans ($300–$15,000)
Feature Checklist
Mobile App
Online Portal
Score Tracking
Credit Education
Personal Advisor
Identity Theft Protection
Pros & Cons
Pros
- Title loans range from $300 to $15,000, covering a wider range than most payday or small-dollar lenders
- Registration loans up to $2,500 available without requiring a lien-free title
- Same-day cash disbursement possible — company advertises approval and funding in as little as 30 minutes
- All credit types accepted, including bad credit — approval based more on vehicle and documents than credit score
- Multiple physical locations across Phoenix metro (Glendale, Peoria, two Phoenix locations)
- Hybrid model: apply online or in person, whichever is more convenient
- Spanish language service available (Español) for non-English-speaking borrowers
- Direct local lender — online applications go to the nearest store, not a third-party broker network
Cons
- Title loans require a lien-free vehicle title as collateral — default risks repossession of your vehicle
- APRs and specific fee structures are not disclosed on location pages; borrowers must seek out the Rates, Fees & Terms page before committing
- Service area is limited to Arizona only — not available to out-of-state borrowers
- Registration loans are capped at $2,500, limiting usefulness for larger cash needs
- Title lending as a product category typically carries very high effective interest rates relative to personal loans or credit unions
Rating Breakdown
Value 2.0
Effectiveness 1.5
Customer Service 2.2
Transparency 2.0
Ease of Use 3.9
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Frequently Asked Questions
Is Fast Auto Loans, Inc. legitimate?
Yes. Fast Auto Loans, Inc. is a registered company, headquartered in 810 W Southern Ave, Mesa, AZ 85210.
Quick Facts
- Headquarters
- 810 W Southern Ave, Mesa, AZ 85210
- BBB Accredited
- No
- Starting Price
- Contact provider
- Setup Fee
- None
- Money-Back Guarantee
- No
CreditDoc Diagnosis
Doctor's Verdict on Fast Auto Loans, Inc.
Fast Auto Loans, Inc. is best suited for Arizona residents facing a genuine financial emergency who own a vehicle and have exhausted lower-cost options. The main caveat is that title loans are secured by your vehicle — missing payments can result in repossession — and the company does not prominently display APRs, so borrowers must review the Rates, Fees & Terms page carefully before signing.
Best For
- Arizona residents who own a vehicle outright and need fast emergency cash between $300 and $15,000
- Borrowers with poor or no credit history who do not qualify for personal loans or credit union products
- People who need same-day funding for an unexpected expense and cannot wait for bank processing
- Arizona vehicle owners who lack a lien-free title but have current registration, income, and a checking account (registration loan option)
Updated 2026-04-29
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Financial Wellness Guides
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Read guide →Financial Terms Explained (10 terms)
New to credit and lending? Here are the key terms used on this page, explained in plain language with real-number examples.
Interest & Rates
APR — Annual Percentage Rate
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.
Why it matters
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.
Compound 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.
Why it matters
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.
MAPR — Military Annual Percentage Rate
A special APR calculation used for military servicemembers that includes ALL costs — fees, insurance, and add-ons — capped at 36% by federal law.
Why it matters
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.
Usury Rate — Usury Rate (Interest Rate Cap)
The maximum interest rate a lender can legally charge in a particular state. Charging above this rate is called 'usury' and is illegal.
Why it matters
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.
How Loans Work
Collateral — Loan Collateral
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.
Why it matters
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.
Fees & Costs
Late Fee — Late Payment Fee
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.
Why it matters
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.
NSF Fee — Non-Sufficient Funds Fee
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.'
Why it matters
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.
Legal Terms
Usury — Usury (Illegal Interest)
The practice of charging interest rates higher than what the law allows. Usury laws set state-specific caps on how much lenders can charge.
Why it matters
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.
Credit Cards
Cash Advance — Credit Card Cash Advance
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.
Why it matters
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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