Alternative to 1Stop Title Loans
Having an alternative title loan lender up your sleeve is the best form of financial protection you can have. When using your car as collateral, it’s vital to work with a lender you can trust. Financially, it allows you to sleep easy with lower payments and interest. In addition, it gives you confidence that your car is safe and protected from unnecessary repossession. As an alternative to 1Stop Title Loans, we are the auto title loan organization you can trust with your car, motorcycle, truck, RV, or boat.
Save Money with a Refinance
The scary thing about interest is that it prevents you from getting ahead of paying off your loan. At 1Stop Title Loans, your monthly payments are required but unfortunately don’t help you move in the right direction. When paying interest only, you can pay off your loan ten times over and still owe the same principal amount! At Phoenix Title Loans, we originate our title loans with our customers in mind.
Refinancing your title loan is the quickest, safest way to work with an alternative auto title loan lender. Phoenix Title Loans can help you lower your payment and monthly interest, while also getting you more cash for your vehicle. The advantages could not be any clearer – come to Phoenix Title Loans and work with the best alternative title loan lender in town!
Your Title Loan, Your Terms!
No matter the type of title loan, we want all customers to be in control of their own financial situation. Even if a refinance, every single one of our loans is amortized over the time period that you pick! Every single monthly payment includes some interest, and some principal amount. This means every customer has an exact date that they’ll know their title loans is paid off. No more interest only monthly payments, come work with the best title loan lender in Phoenix, Arizona!
With some of our refinance title loan, they’re also able to increase their loan amount based on the value of their car, RV, motorcycle, boat, or truck. With our high loan-to-values, many customers can get the maximum loan amount they wanted from the beginning.
From Phoenix to Tempe to Mesa to Scottsdale, we’re the alternative to 1Stop Title Loans in town. Reach out today and discover the many ways that we can save you hundreds, if not thousands of cash today!
DISCLOSURE: Loan amounts, terms, and rates vary by applicant and are subject to final approval. Not all applicants will qualify for the maximum advertised amount. All loans are secured by the value of your vehicle, which must be titled in Arizona and owned free and clear, unless otherwise stated.
Representative Example: A $2,000 auto title loan with a term of 12 months and an annual percentage rate (APR) of 35.99% would require 12 monthly payments of $200.96, for a total repayment of $2,411.52. All applicable fees and finance charges are included in the disclosed APR. This representative example is typical of a preferred loan with 25% Loan-to-Value ratio, $5,000 loan amount minimum, and a credit score of 700 or higher. Actual loan terms may vary based on vehicle value, requested loan amount, repayment ability, and applicable state regulations.
Early repayment is allowed at any time without penalty. Paying off your loan early may reduce the total cost of borrowing. Borrowers may be eligible for interest reductions when loans are paid off within an early payoff window, where applicable. We do not require a credit check for most auto title loans; however, all applicants must demonstrate the ability to repay the loan. Proof of income may be requested for underwriting purposes but is not always required for approval.
Approval times may vary and are subject to identity verification, vehicle inspection, confirmation of clear title status, and review of all required documents. While many loans are funded on the same day, some may require additional time for processing.
Phoenix Title Loans, LLC complies with all applicable federal and state lending regulations, including but not limited to the Arizona Revised Statutes Title 6, Chapter 5 and Title 44, Chapter 2.1, the Truth in Lending Act (TILA), and the Equal Credit Opportunity Act (ECOA). We are committed to transparency, fairness, and the responsible servicing of every loan. For borrowers who prefer to communicate in a language other than English, translated disclosures may be available upon request.
