How to Refinance a Title Loan in Mesa: Get Better Terms Today
How to Refinance a Title Loan in Mesa: Get Better Terms Today
What Is Title Loan Refinancing?
Refinancing a title loan means replacing your current loan with a new one—usually with better terms. This can help you:
- Lower Your Interest Rate: Save money over the life of your loan.
- Reduce Your Monthly Payments: Make your payments more manageable.
- Extend Your Loan Term: Spread out your payments over a longer period.
- Work with a Better Lender: Switch to a lender that puts your needs first.
“I was stuck with a terrible loan from another company, but Phoenix Title Loans helped me refinance. They lowered my payments and made everything so much easier!” – Lisa M., Mesa, AZ
How to Refinance Your Title Loan in Mesa
Refinancing your title loan with Phoenix Title Loans is quick and easy. Here’s how it works:
- Contact Us: Call us or visit our Mesa location to discuss your current loan and refinancing options.
- Provide Your Loan Details: Bring your current loan agreement, vehicle title, and any other required documents.
- Get a New Loan Offer: We’ll evaluate your vehicle and financial situation to create a new loan with better terms.
- Pay Off Your Old Loan: We’ll use your new loan to pay off your existing loan, so you only have to worry about one payment.
- Enjoy Better Terms: Start making payments on your new, more affordable loan.
It’s that simple! Our team will guide you through every step of the process to ensure a smooth transition.
“Refinancing with Phoenix Title Loans was the best decision I made. They paid off my old loan and gave me a much better deal. Highly recommend!” – Mark H., Mesa, AZ
Why Refinance A Title Loan with Phoenix Title Loans?
Here’s why Mesa residents trust us for their title loan refinancing needs:
- Lower Rates: We offer some of the most competitive interest rates in Mesa.
- Flexible Terms: We’ll work with you to create a repayment plan that fits your budget.
- Fast Process: Get approved and refinance your loan in as little as 30 minutes.
- Trusted by Mesa Residents: Over 10 years of experience serving the community.
- Exceptional Customer Service: We treat every customer like family.
“I was drowning in high payments, but Phoenix Title Loans helped me refinance and save money. They truly care about their customers.” – Jessica L., Mesa, AZ
Frequently Asked Questions
Can I refinance my title loan if I’m behind on payments?
Yes! Refinancing can help you catch up on payments and get back on track. Contact us to discuss your options.
Do I need good credit to refinance my title loan?
No! We don’t require a credit check. Your car’s title is your credit, making it easy for anyone to qualify.
How much can I save by refinancing?
The amount you save depends on your current loan terms and the new terms we offer. Many customers save hundreds or even thousands of dollars by refinancing with us.
Contact Us Today to Refinance Your Title Loan
Ready to refinance your title loan and get better terms? At Phoenix Title Loans, we make it easy to take control of your finances. Apply online or visit 1 out of our 3 Mesa locations.
Contact Us: Call us at (480) 499-4699 or email us at info@phoenixtitleloans.com.
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.
Phoenix Title Loans, LLC