Fast Auto Loans, Inc. logo

Fast Auto Loans, Inc. in Tucson, AZ

2.3/5

Fast Auto Loans, Inc. Tucson, Arizona — Fast Auto Loans, Inc. provides title loans and registration loans up to $15,000 in Arizona with same-day funding...

Data compiled from public sources · Rating from CreditDoc methodology

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Fast Auto Loans, Inc. Review

Fast Auto Loans, Inc. is a multi-location lender operating in Arizona (Glendale, Peoria, and Phoenix) specializing in secured vehicle-based loans. The company was established to serve customers in need of rapid emergency funding who may have difficulty qualifying for traditional bank loans. They market themselves as a direct local lending source with multiple physical locations and an online application option.

The company offers two primary loan products: Title Loans (up to $15,000) and Registration Loans (up to $2,500). Title loans require a lien-free vehicle title, valid government-issued ID, proof of income, and the vehicle for inspection. Registration loans use the vehicle registration instead of the title and require a checking account. Both products advertise same-day approval and funding in as little as 30 minutes. The application process begins online or in-person, with local store representatives following up via phone to explain terms and verify required documentation.

Fast Auto Loans emphasizes accessibility for customers with bad or no credit history, stating that approval depends more on vehicle condition and required documents than credit score. They operate multiple Arizona locations and accept applicants regardless of credit type. The company provides both English and Spanish-language services and maintains an online application system alongside in-store visits. They also offer a payment portal for existing customers.

As a title and registration loan provider, Fast Auto Loans operates in a high-cost lending category. While same-day funding and minimal credit requirements are genuine advantages for emergency situations, customers should be aware that title loans are secured by vehicles and typically carry higher interest rates and fees than traditional loans. The website does not display specific APR, rate, or fee information, requiring customers to contact the company or visit in-person for pricing details—a common practice in this sector that can obscure true borrowing costs.

Services & Features

Bilingual Customer Support (English/Spanish)
In-store Title Loan Application
Online Payment Portal
Online Title Loan Application
Online Title Loan FAQs and Information
Registration Loan FAQs and Guidance
Registration Loan Processing
Registration Loans up to $2,500
Same-day Funding
Title Loan FAQs and Guidance
Title Loans up to $15,000
Vehicle Inspection Services

Feature Checklist

Mobile App
Online Portal
Score Tracking
Credit Education
Personal Advisor
Identity Theft Protection

Pros & Cons

Pros

  • Same-day approval and funding available in as little as 30 minutes
  • Accepts all credit types; approval not based on credit score
  • Multiple Arizona locations (Glendale, Peoria, Phoenix) plus online application
  • Offers two loan types: Title Loans up to $15,000 and Registration Loans up to $2,500
  • Bilingual services available (English and Spanish)
  • Direct local lending with phone follow-up and in-person support
  • Online and in-person application options for customer convenience

Cons

  • Rates, fees, and APR information not disclosed on website; customers must contact for pricing
  • Requires lien-free vehicle title for title loans (not available to all vehicle owners)
  • Title loans are secured by vehicle, creating repossession risk if payments are missed
  • Registration loans capped at $2,500, limiting borrowing capacity for larger emergencies
  • No information provided about loan term lengths, payment schedules, or default consequences

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 3460 S 6th Ave, Tucson, AZ 85713.

Quick Facts

Headquarters
3460 S 6th Ave, Tucson, AZ 85713
BBB Accredited
No
Starting Price
Contact provider
Setup Fee
None
Money-Back Guarantee
No
Visit Fast Auto Loans, Inc.
+1 520-770-9400 3460 S 6th Ave, Tucson, AZ 85713

CreditDoc Diagnosis

Doctor's Verdict on Fast Auto Loans, Inc.

Fast Auto Loans is best suited for Arizona residents with immediate cash needs who own vehicles outright and cannot qualify for traditional loans due to credit issues. The primary caveat is that title loans carry significant risk (vehicle repossession) and typically high costs; customers must obtain and compare specific rate and fee information before committing, as this information is not disclosed on the website.

Best For

  • Customers with bad credit who need emergency cash quickly and own a vehicle outright
  • People facing unexpected expenses (medical bills, car repairs, evictions) with same-day funding needs
  • Borrowers who prefer local, in-person lending relationships over online-only lenders
  • Spanish-speaking Arizona residents seeking accessible emergency lending
Updated 2026-04-29

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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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