Title Loans

Auto Title Loans by 1 Stop

We offer title loans at 8 locations in the Phoenix Valley. If you are in need of fast cash and own the title on your vehicle, we can help you. We help people from all walks of life get the money they need using their vehicle’s title as collateral. If you are seeking a way to get bills paid or to have a bit more cash in your pocket for any reason, let our team help you get an auto title loan today.

You’ll never have to worry about a credit check – we do not run one. That means your credit score is not impacted by obtaining a title loan. Instead, apply for our title loans online. Then, visit a local lending location to complete the process. You could get cash for your auto title in as little as 30 minutes. If you need money for an emergency or to get the rent caught up, this type of loan can be exactly what you need to get some financial peace of mind. An auto title loan allows you to get your title back as soon as you pay off what you owe on the loan. It’s that easy.

Happy customer recieves an Title Loan in Arizona

Our Title Loan Process is simple!

If you need cash fast, use our title loan to obtain those funds.
It can take less than 30 minutes to complete the whole process.

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Our Title Loans are Fast and Easy!

What Is an Auto Title Loan?

An Auto title loan is an opportunity for you to use the value of your car and its title to help you secure cash in hand right away. If you need money now for any reason, but you do not qualify for other loans, we can often help you as long as you own the title on your car. This allows us to issue funds to you on the spot. With a title loan, you’ll pay a fee for borrowing these funds, like every other type of loan. What’s different is that an auto title loan does not come with any type of credit check. As long as you own the car and have a title, you are able to use that title to help you secure money right now.

Types of 1 Stop Title Loans

We offer title loans on almost anything you can ride and drive!

  • Car Title Loans
  • Truck Title Loans
  • All Auto Title Loans
  • RV Title Loans
  • Motorcycle Title Loans

Almost anything with a motor that is:)

You Keep Your Vehicle

When you use your title for collateral, you still keep your car. You can continue to drive it to and from work or any other need. We do not take possession of your vehicle during the time of your active loan. That’s good news for most people who need to be able to use their car but want to borrow against it. That’s going to save you time and frustration.

Bad Credit – Not a Problem!

Many people who need fast cash cannot get it because of not having a credit history or a bad credit history. It does not matter here. There is no credit check. There is no risk to your credit score when applying for a loan either. We don’t want to know what your credit score is. We’re here to help you get beyond that limitation. If you found us by searching title loans for bad credit or title loans near me chances are we can help with lending locations all over the Phoenix Valley.

No Prepayment Penalties

Pay off your title loan at any time. You do not have to wait to get the funds you need in hand and, if you just need it for a few days, there’s no problem with paying it off early. Unlike other types of loans, title loans from us do not have prepayment penalties. This saves you money.

Fast Approval Process

Getting money quick is an option when you use our lending services. Apply online now for fast approval. You can get a quote now within a matter of minutes. Then, visit our location near to you for full approval. Most of the time, it takes under 30 minutes to find out if you qualify and to get money in hand.

Car Title Loans

If you own a car, you may be able to obtain a car title loan. Use your vehicle to secure the money you need now. We work with a wide range of cars including many makes and models. It only takes a few minutes to find out if we can provide you cash for your title loan on your car. Our team is dedicated to helping you to get the loan you need.

Truck Title Loans

Do you own a truck? 1 Stop Auto Title Loans work with most types of trucks. If you own your truck, fill out the application on this page to get fast approval on the truck loan you need. It takes only about 30 minutes to get approval and then you’ll be able to get cash in hand in no time. Your truck’s value can help you get the money you need fast.

RV Title Loans

An RV is a valuable asset that could be doing more for you. If you own the title on your RV, we can help you to get cash out of that vehicle to use for any needs you may have. It is a fast and easy process to find out how much money you can get for your recreational vehicle. Apply now online to find out if your RV qualifies for the funds you need.

Motorcycle Title Loans

Many people who own a motorcycle have a very valuable asset in their garage they could be using to meet other obligations. If you own the title on your motorcycle, let our team provide you with the motorcycle title loan you need. Get cash in your hands today and keep your motorcycle ready for the next road trip you plan to take.

Title Loan Requirements

To obtain a title loan, there are a few key requirements you’ll need to meet. Here’s what you need to do in order to obtain an auto title loan.

In this type of loan, you will be using the value of your car, truck, motorcycle or any type of vehicle as a means of collateral. The year, make and model generally does not matter when acquiring an auto title loan. You need to have a vehicle with a completely lien-free title. This means that you own the vehicle entirely outright, and your name needs to be listed on the title as the owner. When you visit our location you do not need the title in hand as long as the title is in your name.

The need to show proof that the vehicle has a current registration.

This can be a utility bill, lease, etc

A Proof of Income is required such as a pay stub, pension statement, etc. Our lending company does not offer title loans that don’t require proof of income.

The owner of the vehicle must be present for the vehicle inspection.

A valid ID is required to obtain a title loan at 1 Stop Title Loans and Motor Vehicle Services.

You can not receive a title loan unless you are 18 years of age or older

Your vehicle needs to be fully paid for. If it is not review our registration loan requirements.

Most Common Title Loan Questions

Do you have questions? Our local offices are ready to help you. Or, check to see if your question about title loans is answered here:

A title loan is a convenient way for people who own their vehicle to get cash using their vehicle title. Getting a title loan is very simple in Arizona. It is a requirement that you own your vehicle fully and have a clear lien-free title. You can choose to use your title as collateral to get the cash you need from 1 Stop Title Loans and Motor Vehicle Services. We seek to make this process easy for you, with a frictionless system and can generally have cash in your hand the same day.

Yes, unlike many other loan stores that are really pawn agencies, you still own, drive and use your vehicle while paying off your loan. The only time you won’t own your car is if you fail to pay the loan back. However, if it becomes close to where you may not be able to pay it, a call or update to us can help to extend, we understand if things happen.

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).

Yes, you can still use the title of your motorcycle to get a title loan just like you can with just about any other street-legal vehicle. However, motorcycles can be used to obtain a title loan with a maximum value of up to $2500.

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.

If your car or vehicle has been badly damaged to the point that the insurance company has deemed it to be a loss, instead of going to the extent of getting a new car title, you may be able to receive a ‘salvage title’. While having a salvage title significantly reduces the value of the automobile, you still may be able to receive a loan with the title you have

We offer 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.

All of our title loans are the same and go by many names. Some people refer to them as auto title loans, car title loans even vehicle title loans. Most title loan lenders in Arizona offer the same type as we do where we do not check your credit. There are other lenders that check further into your personal finances and check your credit. They require some type of credit check when qualifying you for their loans. They may also need more information and documents.

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.

Yes, in most cases you can because we evaluate other factors when qualifying you for the loan. We take into consideration the value of your vehicle to help secure your title-secured loan. Life is highly unpredictable and can come with rapid changes without notice or warning. Finding yourself in a situation where you need immediate cash is something everyone goes through at some point in life. As a result, getting immediate cash in an intense situation can alleviate an immense amount of stress. We will do everything we can to get you qualified for a loan the very same day you apply.

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.
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Juana R.

8 Auto Title Loan Locations

Apply Today for a Title Loan!