Both state and federal laws regulate the Auto Title Loan industry.

In Arizona, the Department of Financial Institutions is the state agency that licenses and regulates Auto Title Loan companies (known as a secondary motor finance company in state statute).

While not an exhaustive list of state statutes that an Auto Title Loan company follows, the following are the major state statutes that companies must abide by:

Arizona Revised Statutes (A.R.S.) Title 44, Chapter 2.1, Article 1
A.R.S., Title 47, Chapter 9, Article 6. (Uniform Commercial Code)

While not an exhaustive list of the federal laws and regulations that an Auto Title Loan company follows, click here to see Regulation Z of the Truth in Lending Act, the main federal regulation that Auto Title Loan companies must also abide by.

DISCLOSURE: This is a solicitation for a title loan. This is not a guaranteed offer and is subject to Southwest Finance, LLC, client approval. Actual loan amount subject to vehicle evaluation at inspection and complete and approved application. Certain limitations apply. All loans subject to customer’s ability to repay. Some title loans subject to liberal credit policies and limitations, if any. This site is affiliated with one or more licensed vendors referenced herein. This site is owned and operated by Southwest Finance, LLC, an Arizona licensed sales and finance company. In Arizona: Title loans offered by Southwest Finance, LLC will be made or arranged under the Arizona Division of Financial Institutions License Number 0906948.