Arizona Schedule of Fees and Charges

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DISCLOSURE OF AVAILABLE CREDIT PRODUCTS
The following is a description of all credit products that are available in this TitleMax office

TitleMax of Arizona, Inc. ("Lender") is licensed and regulated and offers installment loans under Arizona Code Title 44, Chapter 2.1. The complete schedule of fees and charges for Lender's installment loans is set forth below.

In the example transaction examples shown below, the final scheduled payment amount typically differs from the standard payment amount. All transaction examples and APRs are examples only; actual periodic payment amounts and APRs may be higher or lower depending on the month and date of loan origination. Applicants must meet all Lender underwriting criteria.

Secured Installment Loans:

  • Loan Amounts: $100 - $10,100; monthly payments; repayable over 24-48 months.
  • Interest Rates: As shown below. Interest rates are determined based on the creditworthiness of the consumer and whether the consumer has done business with Lender previously. More creditworthy consumers and consumers who have a good history with Lender may qualify for annual interest rates at the lower end of the range. Lower promotional rates may apply.
  • Lien Filing Fee: N/A
  • Late Fee: $5% of the unpaid amount of any installment not paid by the end of the 10th day after the due date for such installment.
  • Required Qualifications: Clear title to a qualifying motor vehicle.
Loan Amount (Amount Financed) Interest Rate Loan Term
$0.00 - $499.99 203.88% - 203.88% 24 Months
$500.00 - $1,699.99 179.88% - 179.88% 24 Months
$1,700.00 - $2,499.99 155.88% - 179.88% 24 Months
$2,500.00 - $4,499.99 143.88% - 155.88% 36 Months
$5,000.00 - $10,000.00 119.88% - 119.88% 48 Months
Secured Installment Loan Transaction Examples (Non-Motorcycle Collateral)
Loan Proceeds Loan Term Finance Change Payment Schedule Total of Payments Annual Percentage Rate (APR)
$750.00 24 months $2,057.15 $116.93 $2,807.15 180.63%
$1,250.00 24 months $3,427.16 $194.89 $4,677.16 180.63%
$2,000.00 24 months $5,484.31 $311.82 $7,484.31 180.63%
$3,500.00 36 months $13,125.38 $461.84 $16,625.38 156.42%
$7,500.00 48 months $28,934.43 $759.15 $36,434.43 120.22%
Secured Installment Loan Transaction Examples (Motorcycle Collateral)
FICO® Risk Score, Classic V2 credit score range Loan Proceeds Loan Term Finance Charge Payment Schedule Total of Payments Annual Percentage Rate (APR)
300 to 525 $500.00 24 $1,736.24 $93.19 $2,236.34 219.7%
$1,000.00 24 $3,191.86 $174.62 $4,191.86 204.77%
$2,000.00 24 $5,930.44 $330.43 $7,930.44 192.67%
$3,000.00 36 $13,352.49 $454.17 $16,352.49 180.49%
526 to 626 $500.00 24 $1,595.69 $87.31 $2,095.69 204.77%
$1,000.00 24 $2,964.51 $165.22 $3,964.51 192.7%
$2,000.00 24 $5,484.31 $311.82 $7,484.31 180.63%
$3,000.00 36 $12,300.26 $424.92 $15,300.36 168.47%
627 to 850 $500.00 24 $1,482.16 $82.61 $1,982.16 192.69%
$1,000.00 24 $2,741.87 $155.91 $3,741.87 180.62%
$2,000.00 24 $5,043.52 $293.45 $7,043.52 168.56%
$3,000.00 36 $11,250.87 $395.86 $15,300.36 156.42%

Registration (Personal) Installment Loan:

  • Loan Amounts and Terms: $100 - $2,500 ($1,000 max for new customers), bi-weekly, semi-monthly, and monthly payments; repayable over 6-12 months
  • Interest Rates: As shown below. Lower promotional rates may apply.
  • Late Fee: $5% of the unpaid amount of any installment not paid by the end of the 10th day after the due date for such installment.
  • Returned Payment Charge: $30.00 for each payment (whether made electronically or by check, money order or other payment instrument) that is not honored or cannot be processed for any reason, including insufficient funds.
  • Required Qualifications: Valid and verifiable bank account, valid and verifiable income, vehicle with valid Arizona registration in the borrower's name.
Loan Amount Annual Rate* Loan Term
$100.00 - $500.00 204.00% 13 bi-weekly payments
$501.00 - $2,500.00 180.00% 26 bi-weekly payments
$100.00 - $500.00 204.00% 12 semi-monthly payments
$501.00 - $2,500.00 180.00% 24 semi-monthly payments
$100.00 - $500.00 204.00% 6 monthly payments
$501.00 - $2,500.00 180.00% 12 monthly payments
Personal Installment Loan Transaction Examples
Amount Financed Inerest Rate Bi-Weekly Payments Finance Change APR Total of Payments
$500.00 204% $62.65 $314.51 203.45% $814.51
$1,750.00 180% $146.67 $2,063.74 179.51% $3,813.74
Amount Financed Inerest Rate Semi-Monthly Payments Finance Change APR Total of Payments
$500.00 204% $68.14 $317.65 204.74% $817.65
$1,750.00 180% $159.57 $2,079.39 180.51% $3,829.39
Amount Financed Inerest Rate Monthly Payments Finance Change APR Total of Payments
$500.00 204% $139.96 $339.78 206.16% $839.78
$1,750.00 180% $324.32 $2,141.85 181.29% $3,891.85