Title Loans Frequently Asked Questions

To get a title loan, you must have a clear and accessible vehicle title in your name. You have no ownership right on the vehicle if you don't have your name on its title. CASH 1 can provide you with a loan without a title in hand only if your name appears on the vehicle title. Apart from a clear title, the registration on the vehicle must be current with your name and have full coverage insurance for loans over $2,500. In other cases where you are still making payments to get the title in your name, we can still help you get up to $4,000 with our Arizona registration loans.

No. A title loan will neither positively nor negatively impact your credit score. Also, when you apply for a CASH 1 Title Loan, there are no hard inquiries performed that could hurt your credit score. This makes title loans perfect for people who have no credit, started to build their credit, or have poor credit.

At CASH 1, you can get from $50 to $50,000 for a title loan in Arizona or Nevada. Your loan amount will be mainly based on your need, the value of your vehicle, and your ability to repay. To know more on this, read our detailed blog post on "How Much Can I Get for a Title Loan?".

Yes, regardless of age, we can lend you a title loan on any car. The process of applying is the same: we will evaluate your vehicle's value to tell you how much you can expect to get from your loan. If you're ready to apply, our friendly title loan officers will personally guide you through every step of the process.

No. We don't offer title loans with a lien. At CASH 1, we need you to have a clear vehicle title in your name that can be used as collateral. Alternatively, you can apply for a registration loan without worrying about having a lien on your vehicle title. Using the equity you've accumulated in your vehicle, our AZ vehicle registration loan can get you up to $5,000.

Getting a title loan without a title can be difficult. When you don't have a clear and accessible title in your name, you are not considered the car's owner. However, if you are making payments on your car, our loan officers can help you get an alternative registration loan that doesn't require a title in hand.

Yes, getting a salvage title loan is possible in some cases. The requirements of getting a loan on a salvaged car will remain more or less the same as a regular car title loan.

Your Arizona Title Loan can cost you 10% monthly (120% APR) for all the borrowings over $5,000. This rate can range from 13% monthly (156% APR) for loans over $2,500 up to $5,000, 15% (180% APR) for loans over $500 up to $2500, and up to 17% (204% APR) for loans of $500 or less. Your Nevada Title Loan can cost you 14% monthly (168% APR) for all the borrowings over $3,000. This rate can range from 20% monthly (240% APR) for loans over $150 up to $3,000. CASH 1 abides by individual State Statutes for fair and fixed monthly interest rates for all.

No, a vehicle inspection will be required. Like most title loan direct lenders, we must conduct an on-site vehicle inspection. The inspection process will be quick, where we check to ensure your vehicle's VIN number matches the VIN number on your title and the car is in proper working condition. So once approved, bring your vehicle to one of our stores, sign the loan agreement, and drive back home with your cash.

Yes. There is no limit to how many times you can use your vehicle to get a title loan. Getting two car title loans on the same car at the same time is not possible. If you take a title loan on your vehicle, the lender places a lien on your title, so you no longer have a clear title. You will need a clear title to take out another title loan on the same car. But you can get a second title loan using your other car's title. That way, you can have two title loans using the equity you built on two vehicles.

Yes, we can get you the cash you need with a car title loan, even if your vehicle is registered in another state. The vehicle does not have to be registered in-state, but the applicant for a Title Loan does have to prove in-state residence.

Any previous bankruptcy case may not affect your chances of being approved for a title loan. When you apply for a title loan, we check your current ability to repay the loan and the value of your vehicle. So if you have had bankruptcies discharged now, you shouldn't worry.

Yes, you can get a title loan with your name on the title along with anyone else's. Two names on the title imply two people registering and owning the vehicle together. How the names appear on a title determines how CASH 1 processes the loan. When "AND" or "AND/OR" or "OR" join the party's names, both parties need to sign the agreement acknowledging the loan/lien if only one party is going to be financially responsible for the payments.

Yes, getting a title loan with a cosigned car is possible. Adding a cosigner on a car loan is very common to help you qualify for your car loan. However, this makes the cosigner a partial owner of your vehicle. You have two options to get a title loan with a cosigned car. 1. You can remove the cosigner from the title before applying for a title loan. 2. You and your cosigner can together get a car title loan. If you need cash urgently and have a cosigned car, contact us to help you get through the process correctly.

You can pay back your title loan according to your pre-decided loan term. While we offer variable loan terms per customer requirements for our Arizona title loan, the maximum loan term for our Nevada title loan is 210 days. Based on your convenience to pay, you can choose your loan term within the entire loan term limit.

Yes, you can pay your title loan in full before the loan term ends without worrying about any prepayment penalties. Moreover, if you are stuck with a title loan from any other company, we can help you get it refinanced with lower payments and longer repayment terms.