Know Before You Owe

| Disclosures for Secondary Motor Vehicle Finance Transactions (Arizona Title Loans)

State

WHO IS THE CREDITOR?

AAA Auto Title Loans, LLC dba CASH 1

View Licenses & Registration

ANNUAL PERCENTAGE RATE

Your Annual Percentage Rate (APR) will vary depending upon how much you borrow.

If you borrow

APR

204%

TERMS FOR SECONDARY MOTOR VEHICLE FINANCE TRANSACTIONS (TITLE LOANS)

Loan Amount	APR	*Estimated Payments
$500	204%	$46.14

*Assumes you will make biweekly payments on a 12-month loan.

IMPORTANT

A Secondary Motor Vehicle Finance Transaction (Title Loan) is an expensive form of credit and should be used for short-term financial needs only and not as a long-term financial solution. If you make larger payments, you will have to pay less interest and the sooner you will pay off your loan.

COST COMPARISON CHART

| BASED ON $1,000 LOAN

Type	APR	30 Day Interest
Credit Card	16%	$13.33
Pawn Loan	180%	$150.00
Title Loan	180%	$150.00

LARGER PAYMENTS = LESS INTEREST

| BASED ON $1,000 TITLE LOAN

Term	Biweekly Payments	Total Payments	Total Interest Paid
18 Month	$71.81	$2,800.04	$1,800.04
12 Months	$80.72	$2,098.39	$1,098.39
6 Months	$109.48	$1,532.91	$532.91

Important

IF YOU REFINANCE YOUR LOAN, YOU MAY PAY MORE INTEREST.

FEES

Document Preparation Fee:

Late Fee:

If your payment is more than 10 days late, you may be charged a late fee equal to 5% of the unpaid balance of the late payment.

Prepayment Penalty:

If you pay off your loan early, there is no fee or penalty.

IMPORTANT NOTICES: IF YOU DEFAULT, YOU COULD LOSE YOUR VEHICLE!

All of the loans that we provide in Arizona are Title Loans, which are secured by a lien on your vehicle. If you miss a payment and default on your loan agreement, it is possible that your vehicle could be repossessed and/or a lawsuit could be brought against you.

Late payments, missed payments, or other defaults on your loan may be reported to consumer reporting agencies.

Licenses and Registration

AAA Auto Title Loans, LLC dba CASH 1 is licensed and regulated by the Arizona Department of Financial Institutions.

Address: 2910 N. 44th St Ste 310
Phoenix, AZ 85018
Phone: 602-771-2800
Fax: 602-381-1225

Licenses

5106 W Peoria Ave, Glendale, AZ 85302

8271 W Union Hills Dr Ste 103, Glendale, AZ 85308

14130 W Indian School Rd Ste A-6, Goodyear, AZ 85395

4355 E University Dr Ste 111, Mesa, AZ 85201

455 N Country Club Dr, Mesa, AZ 85201

1214 W Baseline Rd Mesa, AZ 85202

549 W Thomas Rd, Phoenix, AZ 85013

1203 W University Dr, Mesa, AZ 85201

2415 E Thomas Rd Ste 2, Phoenix, AZ 85016

1728 W Bell Rd, Phoenix, AZ 85023

2539 E Bell Rd, Phoenix, AZ 85032

5050 W McDowell Rd, Phoenix, AZ 85035

4735 E Southern Ave, Phoenix, AZ 85042

4246 W Northern Ave, Phoenix, AZ 85051

1405 W Southern Ave Ste 1 Tempe, AZ 85282

985 W Elliot Rd Ste 7 Chandler, AZ 85225

Questions to ask yourself

1. Is it necessary for me to borrow the money?

2. Can I afford to pay this loan back in full by the due date?

3. Will I be able to pay my regular bills and repay this loan?

4. Can I afford the extra charges, interest, and fees that may be applied if I miss or fail to make a payment?

5. Are other credit options available to me at this time?

Contact Information For Consumer Counseling

Customers with credit difficulties should seek credit counseling before entering into a Title Loan.
Please see the following link to the U.S. Department of Justice website for a list of federally approved credit counseling agencies: http://www.justice.gov/ust/eo/bapcpa/ccde/cc_approved.htm