Arizona Registration Loans

An Arizona Title Loan is simple. You receive cash while using your vehicle as collateral even if you are still making payments on the vehicle. 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 can have you out the door with cash in less than thirty minutes once you complete an application at one of our locations.

Keep Your Car

Unlike a pawn loan we don’t hold onto your vehicle.

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 Registration Loan Requirements

  • Current Arizona registration
  • A recent bank statement
  • Account number and a debit card
  • Proof of Income (pay stub, pension statement, etc.)
  • Proof of Residence (this can be a utility bill, lease, 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 registration loan

Registration Loan Payment Calculator

Start the process online

Frequently Asked Questions about registration loans

What is a Registration Loan?

A short or long term loan in which the borrower's vehicle is used as collateral even though an existing lien exists on the vehicle. Examples would include loans when car payments are still being made or the vehicle is being used as collateral for an existing Title Loan.

Do I still get to drive my car?

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

What if my vehicle is paid off and not subject to an existing lean?
That is great if you own your car outright. A title loan may be what you are looking for. Click here for more information about our title loans.

What if my vehicle is paid off and not subject to an existing lean?

That is great if you own your car outright. A title loan may be what you are looking for. Click here for more information about our title loans.

What if I have a motorcycle?

Yes, motorcycles may be used to obtain a registration loan.

Do I have to have a checking account?

Yes, a checking account and debit card are required.

How much can I borrow?

1 Stop Title Loans offers registration loans up to $5,000. 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 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 15% (180% APR) on loans over $500, and up to 17% (204% APR) 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?

Registration 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 registration loan?

Most loans are satisfied within one year by making 12 consecutive monthly payments. However, with larger loan amounts there are more term options that can extend the term up to 3 years. Of course, no matter the loan term you choose, 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.

Is 1 Stop Title Loans a licensed lender?

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

How do I apply?

Simply bring in your vehicle, Arizona registration, a valid ID (you must be at least 18 years old), your most recent pay stub (or pension statement, awards letter, etc.) and debit card number.

What if I have additional questions?

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

Arizona Registration Loans Disclosures

The Annual Percentage Rate will be based on the amount of the loan. As per Arizona 1 Stop Title Loans will not exceed that allowable APR, the allowable range is from 120%-204% APR (or 10%-17% Monthly Percentage Rate.)

Non-payment implications: 1 Stop Title Loans 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 1 Stop 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, 1 Stop Title Loans will work with you to get back in good standings. We also work within the guidelines of the FDCPA. Potential Credit Score Impact: 1 Stop 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. transaction fee may be accessed.

1 Stop Title Loans offer short term loans design specifically to help consumers pay their loan off at their own pace. 1 Stop Title Loans always suggest paying even the slightest amount toward principal to help lower your loan amount. At any time you can pay-off your entire loan with no prepayment penalties.

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.