Are you struggling to keep up with your current car loan payment each month?

You might be surprised to know that 1 Stop Title Loans can also help you refinance the loan on your vehicle. We’ve helped thousands of people fit into a more comfortable car payment and we can help you too.

There’s nothing to lose and lots to save. You can apply right here or in person at one of our many valley locations.

How much can I save by refinancing my loan with 1 Stop Title Loans?

If your current loan is in good standing and this is your first time borrowing from 1 Stop Title Loans you may be able to save as much as 20% off your current APR. Our refinance calculator can show you just how much that is.

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This easy calculator will figure out how what your payments will be with a title loan

Refinancing Calculator

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You can save per year

Apply online to get Pre Qualified

Frequently Asked Questions about refinancing

What is refinancing?

Refinancing means replacing an existing loan with a new loan. Oftentimes, you may end up with a lower interest rate, lower monthly payments or a different loan term..or all three!

What if I have a motorcycle?

Motorcycles can be used to obtain a title loan with a maximum value of $2500.

How much can I borrow?

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

How soon do I have to pay the loan back?

Most loans are satisfied within one year by making 12 monthly payments. However, the larger the loan, the more loan term options you have; sometimes up to four years so you can make smaller monthly payments. Of course, even if you choose a three year loan term, for example, you are free to pay of that loan early, at any time during those three years, without penalty. In fact, no matter the the loan amount or how long of a term you choose, making early or larger payments can save you a significant amount of money.

How do I apply?

Simply bring in your vehicle, Arizona title and registration, a valid ID (you must be at least 18 years old), your most recent pay stub (or pension statement, awards letter, etc.), proof of residence and current loan agreement to one of our locations.

Do I have to have a checking account?

No. A bank account is not required.

Can I apply online?

You can begin the process online by completing this mini-application or you can call 623-748-4105. With the information you provide, we can tentatively approve you for a loan, but you must visit one of our locations to complete the process.

Can I get a loan on the weekend?

Yes! All of our locations are open on Saturday, ready to provide you with the cash you need.

How much does it cost?

The cost will depend on how much you borrow and the length of the loan (a.k.a. loan term). Monthly rates, which must conform to Arizona State Statutes can range from 10% on loans over $5,000, and up to 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 anticipated without a penalty or hidden fee.

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 a mortgage or new car loan. However, unlike a typical mortgage or new car loan you will not be charged a higher rate or denied a loan due to poor credit history.

Is 1 Stop Title Loans, LLC a licensed lender?

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

What if I have additional questions?

You may call 623-748-4105 or stop by one of our many valley locations for additional help.