We offer title loan refinances to reduce your interest rate and lower the monthly payment!


Are you looking to reduce the APR or lower the monthly payment on your current title loan? Premier Title Loans can help to get new lending terms and payoff amounts on your loan. We offer fast approval and most customers that are current on the existing loan can get approved in hours!

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    Why It Makes Sense To Refinance Your Car Title Loan

    It almost always makes sense to refinance your existing car title loan. There are few situations where a refi or even a revision on the payoff terms is unnecessary. This would be a situation where you already have a decent rate with favorable payoff terms. Another time will be if you’re close to paying off the amount due. Most companies will give out loans with rates comparable to what you see online. Finance charges will always be high as many car title loan companies won’t check your credit. But as time goes on, you should be making your payments on time each month. Most direct lenders will report on time payments to the different credit bureaus. Check with your finance company before signing a contract or lending agreement to see who makes the underwriting decisions.

    It makes sense to expect a lower rate after making timely payments, much as you would with a car or home equity loan. Another scenario is if you are about to pay off the loan in full because of early payment or near the end of the payoff terms. When refinancing, you should see an improvement in the repayment terms. You can benefit from a quick payoff or lower monthly payment, as refinancing will often lead to a lower interest rate.

    What To Look For

    When You Want To Refinance A Title Loan

    Once you’ve decided to refinance your title loan, there are a few things to consider. Much like if you were applying for a simple vehicle equity loan, you first need to start by choosing a lender. Do you go with a company or someone that provides title loans fast because they’re in your neighborhood? Some direct loan companies in your area will tell you the process will be easier if you meet with them in person. But it may be quicker online as most companies that offer online title loans will have their process streamlined. Also, most companies aren’t in the business of providing an option to improve loan terms. In our experience, only the largest lenders offer this service. It pays to shop around when looking for the best terms. Even an interest rate improvement of one or two percent can save you considerable money in the long term. Lastly, be sure to have the finance terms spelled out in language you can easily read. Check the contract for hidden terms or fees for an early payoff.

    Here at Premier Title Loans, we’ll work with you to get the best rates and terms when applying for a title loan online with no inspection or credit check. Check out our application to get started on the paperwork and application process.  It often takes less than 15 minutes to submit your info. You can usually expect a lending decision within a few hours. Only work with a company that provides a disclosure and fee breakdown before you sign up. Check their customer service records and complaint history online to see how previous customers valued their work.

    Online title loans are now available with same day funding.