Registration Loans

Registration Loans by 1 Stop

A registration loan in Arizona may help you secure the money you need right away. This type of loan is either a short or semi-long-term loan that uses your vehicle title to estimate the loan amount. This type of loan is great if your car has an existing lien on it. Even if you are making payments on a car loan right now, you may still be able to secure an auto registration loan.

Registration loans are very flexible. You can use them if you own almost any vehicle as long as you own the title. With a registration loan, you’ll be able to secure the money you need in no time.

Woman holding cash from a registration loan in arizona

The Registration Loan Process is simple!

When you need to borrow money, you need it fast. The process is direct making it simple for you to get the money you need.

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Registration Loans are Quick and Easy!

You Keep Your Vehicle

When you obtain a registration loan in Arizona, you don’t have to worry about losing your car. You keep driving it. There is no need to take possession of your car at the start of the loan. That means you can still drive it and use it as you have always done.

Bad Credit, No Credit Ok

You’ll love the fact that you can secure a registration loan for all of your needs without having to worry about credit impact. There’s no need to pull a credit report for a registration loan because there’s no need to check your credit score. Even better – when you obtain a loan, it will not impact your score at all. Even if you have been turned down by other lenders.

No Prepayment Penalties

What if you only need to borrow the money for a few days or weeks? That’s not a problem. Pay it off whenever you want to do so. There are never any prepayment penalties to worry about here. Pay off your loan when you’re ready and able. Every situation is different. When you have the ability to pay off your loan when it fits your needs, life is that much better.

Fast Approval Process

Getting the money you need is easy, especially with a fast approval process. It only takes a few minutes to learn if you qualify. Once you get that approval in place, you’ll get the cash you need in your hand – often at the same time.

Registration Loan Requirements

You’ll need to meet a few basic requirements, most of which are set by law. Here’s what you need to know to qualify for a loan.

You must bring the vehicle’s current Arizona registration with you when you visit one of our locations to complete the registration loan.

A recent bank statement is required to get an auto registration loan.

You will need to provide your checking account number and debit card.

Proof of income means Paystub, pension statement, etc.

Proof of Residence can be a utility bill, lease, etc.

We will need your vehicle present when qualifying for a registration loan.

You must be 18 Years of age or older

You must have a Valid ID to qualify for a registration loan.

Registration Loan FAQ’s

It is common to have a few questions about registration loans and how they work. We’ve answered most questions here.

A registration loan is 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 where car payments are still being made or the vehicle is being used as collateral for an existing Title Loan.

A Registration Loan works very similar to a Title loan in the sense that you are using something as collateral in the exchange of money. With Title Loans you are trading the clear title of your vehicle for a lump sum of cash. With a Registration Loan, you give up your vehicle registration for cash. This can be beneficial if you do not have the Title of your vehicle but instead have the registration if you don’t own the car.

Yes, they are the exact same type of loan.

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. This means you can continue to drive your vehicle while paying off both the loan from 1-Stop and the vehicle payment.

That is great if you own your car outright. A title loan may be what you are looking for. Title loans differ from registration loans in the fact that Title loans imply you completely own the vehicle, while registration loans just come from you having a car payment but having the registration of the said car.

Yes, motorcycles may be used to obtain a registration loan, though your amount given to you may be limited to a certain amount or be less than a title loan would give. The value of the motorcycle would be taken in this consideration.

Yes, you need a checking account to acquire a registration loan at 1 Stop Title Loans and Motor Vehicle Services. In fact, a checking account and debit card are required so the loan funds can be deposited into your bank account.

No, you can start the process online by filling out the online registration loan application but will need to visit a store in person to finalize the loan.

We offer 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.

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. We seek to offer an easier process allowing you to pay off your loan sooner than most lenders would allow you.

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 your poor credit history.

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.

Yes, we are licensed and regulated by the Arizona Department of Financial Institutions for registration loans in Arizona.

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

You can check all of our FAQs to see if any of the questions you have could have been already answered. But if you can’t find an answer to your question you may call 623-748-4105 or stop by one of our many valley locations for additional help.

Yes, we offer auto registration loans in Phoenix at 2 separate locations.

Registration Loan Short Term APR:
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.)

Registration Loan Non-payment implications
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 your 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 suit 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 a transaction fee may be accessed.

Registration Loan Payment:
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.

Additional Registration Loan information:
Auto Title Loans, Personal Loans and 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.

Happy Customers

Hector was very informative and helpful when calling to determine interest paid on registration loan and time lines. Isabel was especially helpful when coming in to apply. Overall a great experience.
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Hilen T.

Michael was very helpful with my application. It has been awhile since I been back in here but he helped with questions that needed to be answered. The store is well air conditioned and clean. The progress was easy and quick to get my loan. Thanks again 1 Stop for your help.
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Anthony T.

The manager at this location is very helpful and professional, I highly recommend using their services. Jackie makes you feel great and provides a full explanation during the process. Thank you so much!
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Ricardo A.

Veronica is amazing. Had an emergency and needed assistance and she was immediately ready to assist with a friendly and bright personality. Strongly recommend this location if you want to be treated nice and work with great staff.
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Ayanna G.

This truely is my one stop location , I get all my mvd work done here . They have a variety of services great insurance quotes and loans . I even get to send money to my family members through their western union service. location is clean always greated by friendly staff ,they will take care of you . Jackie is amazing very knowledgeable highly recommend her.
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Irene G.

This is my second time here. Both times they have given excellent customer service, made it a quick and easy experience, advised me thoroughly on how it all works, and given me the amount requested.
☆☆☆☆☆

Juana R.

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