Get your Title Loan with 1 Stop Title Loans

An Arizona Title Loan is simple, you receive cash while using your car title as collateral. They are a fast, easy solution to short-term needs. At 1 Stop Title Loans we understand the value of your time and we have a simple, easy process that you can even begin over the phone or online.

Once you come into any of our valley locations with the vehicle and required documents we can get you out the door with cash in as little as thirty minutes.

Bad Credit

Since you are using your vehicle as collateral, a poor credit history will not prevent you from getting a 1 Stop Title Loan.

Keep your car

Your car stays with you. Once your loan is paid off, then the title is released back to you.

No Prepayment Penalties

At anytime you may pay off the remaining principal balance with NO hidden fees or penalties.

Fast Approval

You will find out if you are approved for a loan within minutes of filling out the application. Get same day cash in as little as 30 minutes!

Simple Title Loan Requirements

  • Clear Arizona Title in your name
  • Current Arizona Registration
  • Proof of Residence (this can be a utility bill, lease, etc)
  • Proof of Income (pay stub, pension statement, etc.)
  • Your vehicle must be present
  • Valid ID
  • 18 Years or older

Get an INSTANT Loan Estimate

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

Title Loan Payments Calculator

Apply online to get Pre Qualified

Frequently Asked Questions

Can I use my car as collateral for a loan?

Yes, if you own your car you can apply for a Title Loan. If you are still making payments on your car, then you can apply for a Registration Loan.

What is a title loan?

A title loan is a short or long term loan in which your car title will be used as collateral. As the borrower, you must own your vehicle outright with no lien holder. In essence, if you do not pay your loan back, you will no longer own your car.

Do I still get to drive my car?

Yes, with a title loan you are still able to retain possession and use your vehicle, unlike many of the loans that pawn stores offer.

Can I get a loan for a car with a salvage title?

If your car has been so badly damaged that the insurance company has deemed it to be a total loss, instead of getting a new car title, you may be given a ‘salvage title’. While having a salvage title significantly reduces the value of the vehicle, you still may be able to receive a loan.

What if I have a motorcycle?

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

How does the car title loan process work?

The way a title loan works is simple but you must own the vehicle to obtain one. You offer your car title as collateral and in exchange, you can get cash today. While you are making your scheduled payments, you keep driving your vehicle. Once the loan has been satisfied, the title will be returned to you. While it is easy to obtain a title loan, there is a risk of having your car repossessed if you do not make your scheduled payments.

What are the interest rates allowed for title loans in Arizona?

Arizona has set maximum monthly rates depending on the amount of the loan. For loans of $500 or less that rate is 17% (204% APR), for loans of $500.01 up to $2,500 the rate is 15% (180% APR), for loans of $2,500.01 up to $5,000 the rate is 13% (156% APR) and for loans over $5,000 the rate is 10% (120% APR).

How much does it cost to get a title loan?

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.

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.

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

How long do I have to pay back a title loan?

Most loans are satisfied within one year by making 12 monthly payments. However, with larger loan amounts there are more term options that can extend the term up to 4 years. Of course, even if you choose a three year loan term, for example, you are free to pay that loan off early with no additional fees or penalties. In fact, no matter the loan amount or how long of a term you choose, making early or larger payments can save you a significant amount of money.

What documents are required to get a title loan?

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

Can I get a title loan without a job?

Yes. While income is required, that income could come from a variety of sources like employment, a pension or social security.

Can I get a title loan while still paying on my car?

In compliance with Arizona Revised Statutes 1 Stop Title Loans also offers loans to consumers who are still making payments on their vehicle. These are referred to as registration loans. The loans are very similar, however, the amount you are able to borrow may be significantly reduced.

Can I get a loan on the weekend?

Yes, all of our locations are open Saturday ready to provide you with the cash you need. Click HERE for store locations and hours.

Are title loans dangerous?

Title loans come with a higher interest than some other financial products (credit cards, for example) so they should not be taken out on a regular basis and should be paid back as soon as possible. There is also a risk of losing your vehicle if you fail to make your scheduled payments. While this sounds risky, it is like almost every other loan product on the market, as long as you are paying the loan back as scheduled you will never pay more than is called for in your loan agreement and your property is not at risk.

Is 1 Stop Title Loans 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 for more information or stop in to one of our many locations throughout the valley.