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Arizona Payday Loan Alternatives

When you need cash it can be very tough to get by. Sometimes it seems like the week’s paycheck just won’t come fast enough and you feel like you need to buy groceries or pay rent. There is a solution to your quick money needs and it is a payday loan alternative.

The regulations that were in place for payday loans expired not too long ago in the state of Arizona. Luckily there are payday loan alternatives. 1 Stop offers this alternative in the form of a title loan or a personal registration loan that cost half as much!!

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Payday Loans are no longer allowed in Arizona. 1 Stop Offers payday loan alternatives in the form of title loans and personal registration loans to help you get the cash you need!

 

Title Loans & Registration Loans  - These loans function in a similar way to payday loans. With a payday loan alternative in the form of a title or personal registration loan you can borrow as little as $50 or as much at $50,000. For the payday loan alternative that 1 Stop offers, you need to be at least 18 years of age. You will also need to have a government issue identification card as well as a registered vehicle in your name. Your registration should be current and you will need a checking account or employer provided debit account. Proof of income as well as proof of residence is also needed for 1 Stop.

One of the great things about 1 Stop’s payday loan alternative is that you can get money quick when you need it. You don’t need to fuss around with all the hoops that major banks might make you jump through. Contact 1 Stop today for your payday loan alternative.

Disclosures

Short Term APR
Non-payment implications
Loan Payment
Please Read
Short Term APR

The Annual Percentage Rate will be based on the amount of the loan.
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.)

Non-payment implications

Non-payment implications: 1Stop enters contractual short term loan agreements with their customers.
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.

Loan Payment

1Stop Title Loans offer short term loans design specifically to help consumers pay their loan off at their own pace.
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.

Please Read

Title Loans and Personal Registration Loans are only intended to meet short-term financial needs.
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.