If you are, in any way, not happy with your current title loan, there is always a title loan refinancing to help you.
Title loan is wherein you are to avail of a loan in exchange of your car registration. The financing company will take nothing but your car title in exchange of granting you a loan, thus, you can still keep your car. You will only get your title back once you have already paid off your debt in full. This is a win-win situation since you can still keep your car while enjoying your loan. But in the case you fail to pay off your debt in an agreed time, the financing company have all the rights to get your car to cover your debt.
But sometimes borrowers are not happy with how their loan turned out. It’s either they realize they are paying too much for it or maybe for some other reasons, as well. In this case, title loan refinancing companies will come to rescue you. They will buy out your title loan for you and you can start paying your loan to them instead in lower rates.
AutoCredits.org/ is a title loan refinancing company and we provide quick and easy services allowing borrowers to apply online. They also do not do the usual credit background check, making the whole process faster than the traditional loans. Sometimes they only do a fast credit history check to confirm if the contact information you have provided them are legit. But your credit rating is in no way capable of making you lose your chance of getting your loan approved. They allow you, too, to choose your own terms in payment. This way, you can choose the term that suits you best in paying your debt, making the whole process not that much of a burden.
If you have an existing Title Loan with another company, AutoCredits.org/ may be able to pay off that loan and provide you with a new loan, possibly in a larger amount and / or at a lower interest rate.
Yes, unlike a pawn loan you are able to retain possession and use of the vehicle.
Motorcycles, motor homes, classic cars, almost any vehicle that can be legally driven on a public highway can be used to get a Registration Loan as long as it is not a commercial vehicle.
AutoCredits.org/ Centers offers Title Loans up to $50,000. The amount we lend to a specific borrower depends on the both the value of the vehicle owned by the borrower and the borrower's income as well as what the individual borrower needs. At AutoCredits.org/ we are committed to being part of your financial solution and do not want to issue a loan that would require payments you are unable to comfortably make. We offer loans with various terms so that, ultimately, you can determine what payments will fit your budget.
That will depend on how much you borrow the length of the loan (loan term). Monthly rates, which must conform to Arizona State Statues, range from up to 10% on loans over $5,000 to as much as 17% 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 scheduled without penalty.
Title Loan rates, like the rates of many other short term loans, are higher than other financial products such as mortgage or a new car loan. Unlike a typical mortgage or new car loan, however, you will not be denied a loan due to a poor credit score. In fact, we usually won't even run a credit report.
Most loans are paid off in 12 equal installment payments over the course of a year, however depending on the size of the loan the length of the loan (loan term) may be longer in order for the borrower to have smaller, more comfortable payments. You may also choose to pay off the loan in a single payment.
Simply bring in your vehicle, the vehicle registration, valid U.S. ID, your most recent pay stub and a utility bill showing your current address to any of our locations throughout the metro Phoenix area. We will evaluate your vehicle on site and once your application is complete we can complete the approval process in about 10 minutes. Once you are approved we will issue you your new loan and pay off your prior loan.
You can start the process by completing a mini-application online or by calling 623-748-4105. With the information you provide we can tentatively approve you for a loan but a store visit is required to complete the process.
If your new loan is larger than the payoff amount of your current loan you will walk out the door with cash. Since we will need to pay off your current loan during the process it will take longer than receiving a new loan when there is no current lien on the vehicle.
The source of your income will have no bearing on your loan being approved or the amount. Simply bring in your monthly statement (i.e. pension) or Annual Awards Letter (i.e. Social Security).
No, no bank account is required
Yes, we are licensed and regulated by the Arizona Department of Financial Institutions .
Yes. We have stores open seven days a week ready to provide you with the cash you need. Click HERE for a link to store locations and hours.