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Are you feeling caught within an excessively costly car-title loan together with your bank?

You’ve choices now

Refinance your vehicle title loan today with 1 Stop Title Loans and also you might save large. It’s free to use and there’s never any check of one’s credit rating. Generally your refinancing could be finished the exact same time. To help you begin saving instantly. Discover so just how inexpensive a brand new customer loan guaranteed together with your automobile name could be. You might save a large number of bucks within the existence of the loan.

Plus you are able to save much more with 1 Stop Title Loans-no charge providers for example pay by telephone.

APPLY NOW and begin experiencing an excellent fixed-rate customer loan together with your automobile name today.


Saving cash is definitely advisable, right? One method to achieve this is by replacing your current car-title loan in a greater rate of interest. Not all car-title loans are likewise. Costs and rates of interest can differ extensively in one car-title loan bank to another. Therefore the possibility of saving cash might achieve nicely into thousands and sometimes even a large number of bucks within the existence of the loan.

Many consumers realize that refinancing an automobile concept loan having a lower rate of interest loan may cut costs. What might be harder to determine, nevertheless, is simply how much cash the extra costs billed by several car-title loan creditors might eventually charge. Some places to think about are overdue fees, software fees, doc fees, processing fees, lender fees on delivered products, membership fees, costs for credit assessments and so forth. Lastly, in case your car-title loans rate of interest isn’t mounted, working your ultimate benefit might prove challenging.

1 Stop Title Loans provides a free and quick software procedure and certainly will not examine your credit rating. Generally refinancing could be finished the exact same time. Your clear to see subject loans merely don’t possess the ‘add-on’ costs of numerous of our rivals. This could create replacing your name loan a much more appealing choice.


Therefore precisely what may be the procedure to refinance a current car-title loan?

Merely collect your current loan info (present stability, rate of interest, automobile year, create and usage). Then contact 1 Stop Title Loans. Financing Officer can help you to examine prices and decide your potential savings. Once your software is authorized, 1 Stop Title Loans can pay off the present car-title loan. You’ll subsequently possess a fresh loan contract with 1 Stop Title Loans.

Refinance your Title Loan FAQ

  • What is Refinancing?

    If you have an existing Title Loan with another company, 1 Stop may be able to pay off that loan and provide you with a new loan, possibly in a larger amount and / or at a lower interest rate.

  • Do I still get to drive my car?

    Yes, unlike a pawn loan you are able to retain possession and use of the vehicle.

  • What if I have a motorcycle?

    Motorcycles, motor homes, classic cars, almost any vehicle that can be legally driven on a public highway can be used to get a Registration Loan as long as it is not a commercial vehicle.

  • How much can I borrow?

    1 Stop Money Centers offers Title Loans up to $50,000. The amount we lend to a specific borrower depends on the both the value of the vehicle owned by the borrower and the borrower's income as well as what the individual borrower needs. At 1 Stop we are committed to being part of your financial solution and do not want to issue a loan that would require payments you are unable to comfortably make. We offer loans with various terms so that, ultimately, you can determine what payments will fit your budget.

  • How much does it cost?

    That will depend on how much you borrow the length of the loan (loan term). Monthly rates, which must conform to Arizona State Statues, range from up to 10% on loans over $5,000 to as much as 17% on loans of $500 or less. No matter how much you borrow, or the original loan term, you can always pay off your loan sooner than scheduled without penalty.

  • Aren't those rates high?

    Title Loan rates, like the rates of many other short term loans, are higher than other financial products such as mortgage or a new car loan. Unlike a typical mortgage or new car loan, however, you will not be denied a loan due to a poor credit score. In fact, we usually won't even run a credit report.

  • How soon do I have to pay the loan back?

    Most loans are paid off in 12 equal installment payments over the course of a year, however depending on the size of the loan the length of the loan (loan term) may be longer in order for the borrower to have smaller, more comfortable payments. You may also choose to pay off the loan in a single payment.

  • How do I apply?

    Simply bring in your vehicle, the vehicle registration, valid U.S. ID, your most recent pay stub and a utility bill showing your current address to any of our locations throughout the metro Phoenix area. We will evaluate your vehicle on site and once your application is complete we can complete the approval process in about 10 minutes. Once you are approved we will issue you your new loan and pay off your prior loan.

  • Can I apply online?

    You can start the process by completing a mini-application online or by calling 623-748-4105. With the information you provide we can tentatively approve you for a loan but a store visit is required to complete the process.

  • Do I get cash or a check?

    If your new loan is larger than the payoff amount of your current loan you will walk out the door with cash. Since we will need to pay off your current loan during the process it will take longer than receiving a new loan when there is no current lien on the vehicle.

  • What if my income is from a pension, or Social Security?

    The source of your income will have no bearing on your loan being approved or the amount. Simply bring in your monthly statement (i.e. pension) or Annual Awards Letter (i.e. Social Security).

  • Do I have to have a checking account?

    No, no bank account is required

  • Is 1 Stop Money Centers a licensed lender?

    Yes, we are licensed and regulated by the Arizona Department of Financial Institutions .

  • Can I get a loan on the weekend?

    Yes. We have stores open seven days a week ready to provide you with the cash you need. Click HERE for a link to store locations and hours.

1Stop Title Loan Refinance Locations

1 Stop Title Loans on 11435 W Buckeye Rd in Avondale

11435 W Buckeye Rd
Avondale, Arizona 85323
United States (US)
Phone: 623-907-1447

1Stop Title Loans – on 5036 W. Cactus Rd. Phoenix, AZ

5036 W. Cactus Rd
Phoenix, Arizona 85304
United States (US)
Phone: (602) 264-2400

1Stop Title Loans on 1501 N. 16th Street, Phoenix, AZ

1501 N. 16th Street
Phoenix, Arizona 85006
United States (US)
Phone: (602) 253-6002

1Stop Title Loans on 1625 N. 51st ave in Phoenix, AZ

1625 N 51st ave
Phoenix, Arizona 85035
Phone: 602-233-3311

1Stop Title Loans on 4385 W. Bell Road, Glendale, AZ

4385 W. Bell Road
, Glendale, Arizona 85308
United States (US)
Phone: 602-942-6600

1Stop Title Loans on 6650 W. Thomas, Phoenix, AZ

6650 W. Thomas rd
Phoenix, Arizona 85033
United States (US)
Phone: (623) 849-2242

1Stop Title Loans on 833 N. Cooper Road, Gilbert, AZ

833 N. Cooper Road
Gilbert, Arizona 85233
United States (US)
Phone: (480) 632-0852

1Stop Title Loans on 940 N. Alma School Rd, Chandler

940 N. Alma School Rd
Chandler, Arizona 85224
United States (US)
Phone: (480) 726-1509