Title Loans at 1 Stop Money Centers
Title loans at 1 Stop Auto Title Loans & Money Centers are a fast & easy solution for your short term loan needs. A title loan is simply a cash loan using your car title as collateral. Title Loans DO NOT require credit checks!
You can borrow as little as $300 or as much as $50,000 depending on the value of your vehicle. Loan approvals are fast and you can even get pre-approved online or over the phone. Get money in as little as 30 minutes.
Do you already have a title loan with a different company? NO PROBLEM Refinance and Transfer your title loan to 1 Stop Title Loans to increase you loan amount*, receive amazing customer service, and pay your loan off at your own pace!
To Qualify for a Title Loan you will need:
- Clear Arizona Title
- Current Registration
- Proof of Residence (utility bill, lease, etc)
- Proof of Income (pay stub, bank statement, etc)
- Valid ID
Paying your Title Loan is simple. 1 Stop has 12 locations to serve you. Our loan payment plans help you quickly pay off your loan while keeping your payments low.
Payment options include:
Interest plus principle payment
Unlimited Buy downs (extend your loan for an additional 30 days by paying the interest plus an additional payment towards the principle amount.) The amount will be applied to your principal balance and therefore reducing your principal amount and in most cases your interest. This is our most popular & suggested payment option to quickly pay off your loan over time.
Unlimited Extensions (extend your loan for an additional 30 days by paying the interest only)
You may, at anytime, payoff your title loan in full. If you pay off your loan before you next payment due date, you will not be charged interest for the remaining days.
- Quick and Easy Loan Application (online, over the phone & in-store)
- Convenient Store Locations
- Secure and Confidential
- Cash in 30 minutes
- Low Rates and Promotions
- Same Day Cash Available at Stores
- Excellent Customer Service
Title Loan Application
*loan amount is determined by the value of your vehicle- not all customers will qualify to increase or transfer loan, please call or see store for details.
As per Arizona 1Stop Titles Loans will not exceed that allowable APR, the allowable range is from 120%-204% APR (or 10%-17% Monthly Percentage Rate.)
Financial implications: A late fee of 5% or $10.00 (whichever is less) is assessed to loans that are past due ten (10) days.
Collection Practices: it is 1Stop Title Loans objective to provide a loan that works within your financial needs. If for some unforeseen reason you are not able to make you payment, 1Stop will work with you to get back in good standings. We also work within the guidelines of the FDCPA.
Potential Credit Score Impact: 1Stop Title Loans does not currently report non-payment to the three credit agencies. However, if we are not able to get the loan repaid, and we file a suite in civil court and a judgment is obtained, this will become part of your credit history.
Renewal Policy Information: Short term loans are automatically renewed if not paid in full on the loan due date. Up to a $15.00 a month transaction fee may be accessed for a loan renewal.
Our payment process allows you to make just minimal interest payments when your budget is tight, and when you have a little extra cash you can contribute to your principle balance. 1Stop always suggest paying even the slightest amount toward principle to help lower your loan amount.
At any time you can pay-off your entire loan with no pre-payment penalties.
When compared to long-term interest rates which may be available to you by other lenders, these extremely high rates should caution you to not borrow for longer than what is absolutely necessary, and do not borrow more than you can afford to repay on your due day.