Frequently Asked Questions About Personal and Auto Title Loans

Tio Rico Te Ayuda offers Personal Loans and Auto Title Loans to help customers cover unexpected expenses, emergencies, and other financial needs.

No. You can visit any Tio Rico Te Ayuda location during regular business hours and apply for a loan without an appointment.

Most applications can be completed and approved in as little as 30 minutes.

Requirements vary depending on the loan type, but applicants typically need:

• A valid government-issued photo ID
• Proof of income
• An active checking account and debit card
• Vehicle registration and/or title documentation (if applicable)

• Personal Loans: $500 to $1,200.
• Auto Title Loans: Loan amounts range from $100 to $100,000, depending on your vehicle’s value and your ability to repay.

Tio Rico Te Ayuda offers competitive rates and flexible amounts for borrowers across Arizona.

Your credit history is not the primary factor in our approval process. We focus more on your current financial situation and ability to repay the loan.

Interest rates vary based on the loan type, amount financed, and other qualifying factors. Please contact a Tio Rico representative for current rates and terms.

Most applications can be approved in 30 minutes or less.

Once approved, funds are typically issued by check from a local Arizona bank.

We consider many types of income, including:

• Traditional employment
• Self-employment
• Gig work
• Retirement income
• Other verifiable income sources

We offer flexible payment schedules, including:

• Bi-weekly
• Semi-monthly
• Monthly

Loan terms vary depending on the loan type and payment schedule. Personal loan terms generally range from 6 to 18 months, and loans may be paid off early without a prepayment penalty.

If you're having difficulty making a payment, contact your local Tio Rico office as soon as possible. Our team will work with you to explore available options.

We understand that financial situations can change. Contact us before your loan matures so we can discuss available options and help you avoid default.

Yes. Loan payments can be made online 24 hours a day, 365 days a year through our secure payment portal.

• Personal Loans: No insurance is required.
• Auto Title Loans: Insurance requirements may vary depending on the loan and vehicle. Contact a Tio Rico representative for details.