Title Loans Refinance

Let's get started

Get your cash today by filling out this form or for instant pre-approval call (855) 561-56262

  • 1
    Car Information
  • 2
    Your Information
  • 3
    Free Estimate
By tapping or clicking “Get Your Estimate”, you acknowledge and agree to the Terms of Use, FCRA Policy, Electronic Consent and Privacy Policy. You acknowledge and agree that you are providing express written consent for Tradition Media Group LLC to share information you've provided, and for TMG and/or up to six partners to contact you with marketing and other messages via email and/or at the phone number provided via automatic dialing systems, recurring autodialed and prerecorded calls, or SMS/MMS messages (charges may apply), even if my telephone number is listed on a Federal, State, or other jurisdiction Do-Not-Call list. You acknowledge that consent to these communications is not a condition to utilizing these services.

Thank you!

Your application has been submitted.

For faster service call us now!


Next steps

Confirm there are no errors on your credit reports! Your credit score is not a factor but your information must be accurate.

Thanks for Applying

Congrats! We received your application. You might need car insurance for your loan. Click here to compare rates.

Click to Find Insurance

* Clicking the button will direct you to our partner for Car Insurance.

Application Submitted

While we process your info we recommend also applying for a personal loan or credit card to get more money!

Click Here

* Clicking the button will direct you to our partner for Personal Loan or Credit Card Offer.

Thanks For Applying!

We don't offer title loans in your state might be able to help with a personal loan or credit card.

Click Here

* Clicking the button will direct you to our partner for Personal Loan or Credit Card Offer.

Thanks For Applying!

We got your application. If you need immediate cash try a personal loan or credit card offer and we will call you 1st thing in the morning.

Click Here

* Clicking the button will direct you to our partner for Personal Loan or Credit Card Offer.

Thanks For Applying!

We have found a great match for Car Financing!

Get My Financing

* Clicking the button will direct you to our partner for Car Financing.

Thanks For Applying!

We have found a great re-financing match with CarZing!

Get My Financing

* Clicking the button will direct you to our partner for Car Refinancing.

Max Cash Title Loans wants to work with you on your Title Loans refinance! Keep reading to learn more.
BREAKING NEWS! LIMITED TIME! We have lenders that will now take unemployment insurance as proof of income!


Want to know how much your payments will be? Use our title loan calculator to find out.

Max Cash Calculator
Big Phone Icon - Transparent and Black

Instant Pre-Approvals

Call us anytime seven days a week for instant pre-approvals! 2

(855) 561-5626

Car Title Loans are a common way for people who are looking for extra money to find the relief they’ve been looking for. When no other financial solutions are available, car title loans are usually there to offer quick approval and prompt funding. If you already have an existing loan, a title loans refinance or a title loan buyout may also be a good option.

Just like anything having to do with our finances, title loans can sometimes get out of hand. If a borrower doesn’t communicate with their lender they can end up with terms or payments that don’t fit with their unique financial situation. Thankfully, there are ways we can easily consolidate title loan debt. Easy ways to consolidate your car title loan debt are:

The good news is that no matter what option you want to go with, Max Cash® Title Loans can help you out!1 2 5 Call 855-561-5626 to speak with a qualified loan expert now!

What is a Title Loan Refinance?

community cash, emergency cash

Refinancing a Title Loan is a common practice for borrowers looking for a new lender, better terms, an improved interest rate, more reasonable monthly payments, or even an increased loan amount. When a Title Loans Refinance occurs, a title loan lender issues enough money to cover an existing loan, along with additional funding, essentially “rolling-over” the existing title loan into a new loan.

Why could a Title Loans Refinance be a good choice for you? Borrowers who seek to refinance a title loan often are unhappy with their annual percentage rate (APR), have high monthly payments, are looking for better loan terms, or are looking for more than their original minimum loan amounts. Max Cash Title Loans works with only the best lenders in the industry, so you can refinance your title loan and enjoy benefits you wouldn’t be able to find anywhere else! Customize your payment plan, enjoy competitive interest rates, reasonable terms, and more!2

What is a Car Title Loan Buyout?

A car title loan buyout can happen in a few different ways. When a buyout occurs, this usually means that one party makes a significant financial contribution that usually benefits a second party. So, for a car title loan, a buyout could happen in the following ways:

  • Auto Loan Lender Buyout – Sometimes, if a borrower is still making payments on their car, an auto title loan company can lend enough money to cover the balance due on the vehicle, as well as additional funding for the current loan.
  • Buyout via Car Title Loan Refinancing – When borrowers have an existing loan, but want to get a new loan, or work even work with a new lender, they have the option to refinance their loan. Often, refinancing can come with a lower interest rate, lower monthly payments, more favorable loan terms, and more!

Interested in learning more about Title Loans and refinancing? You’ve come to the right place! At Max Cash Title Loans, we are the #1 Nationwide Title Loans Referral Service, so if you are looking for the best deal on a title loan, the experts at Max Cash Title Loans want to assist you.  

How Can I Get a Title Loans Refinance?

A title loan can get you the cash you need!

Refinancing a current title loan can also be a great option if you are having trouble finding other forms of funding due to a poor credit history. Despite having poor or no credit, the process for refinancing a title loan is fast and streamlined. Here’s all you need to do:

  1. Send in Your Information – To get started on your Title Loans Refinance, you can call Max Cash Title Loans at 855-561-5626 or visit us online and send in your information virtually.1 2 5 From there, a Max Cash Title Loans representative can give you a free estimate1
  2. Send in your Documents – Upon approval, your licensed lender will ask for a few pieces of documentation. If you are working with the same lender your documents may already be on file! The documents you may be asked for are:
  • Government Issued Photo ID – such as a driver’s license.
  • Proof of Residency – such as a utility bill.
  • Proof of Income – such as a paystub or bank statement.
  • Photos of the Vehicle – if you are using the same car, your photos may already be on file, but if you are using a new car you can take photos straight from your mobile device and text them in!
  • Qualifying Vehicle Title – with the borrower’s name on it.
  • References – These may be professional or personal.
  • You may be asked for additional documentation, but only to confirm your information. Your lender will inform you of all the documents you must submit.
  1. Get Your Extra Money!1 5 Once your lender has processed your documents, they will prepare your contract for you to sign. If you have any issues with your contract, don’t hesitate to let your lender know. Don’t sign your contract unless you are completely happy with your payment plan and loan details! Once you sign your contract, you can pickup your money at any MoneyGram. You may also choose to have your money directly deposited into your account, wired, or sent via a check in the mail.

If you have a different type of loan, it is still possible to refinance with a title loan!1 2 5 If you have a payday loan, personal loan, or another type of funding and you wish to refinance with a title loan, simply inform your Max Cash Title Loans representative you wish to do so, and they can walk you through the process1 2 5.

Can I Refinance my Auto Title Loan if I have Bad Credit?

Yes! One of the best things about title loans is that a credit score is not a major factor when it comes to fast approval! Finding funding when you have bad or no credit can be extremely difficult, especially when you do not know where to look. Applicants may get discouraged from inquiring about funding because the credit bureaus have told them they do not have a great credit score. But with car title loans, credit matters very little.

Other loans such as personal loans almost always require the borrower to have good credit, but that’s not the case with title loans! With a car title loan, the vehicle’s title acts as collateral to secure the loan. Because the loan is secured and the risk is lessened, title loan lenders are often willing to accept applicants who have poor, or even no credit!

Benefits of Refinancing with the Help of Max Cash Title Loans

happy people with car title loan cash

Working with Max Cash Title Loans for a Title Loans Refinance can come with some major benefits you won’t find anywhere else. Check out just a few reasons why people all over the United States come to Max Cash Title Loans when they want to find the best deal on a title loan:

  • No Pre-Payment Penalties3 – Some places will charge extra money for making a loan payment before the due date. But when you work with Max Cash Title Loans you can enjoy the freedom of making your loan payment when it is most convenient for you, even if it is before the due date!2 3
  • Reasonable Terms4 – Typically, car title loans can be paid off in one year or less. But if you need more time to pay, you can work with your lender to make it happen! Customize your payment plan so it fits your unique financial situation.
  • Superior Customer Service – Max Cash Title Loans is a team of qualified and friendly loan officers who are ready to connect you with the best deal on a car title loan.2 5 Phone services are also available 7 days a week with extended hours, so you can conveniently connect with an agent about your title loan whenever it is convenient for you.

When you need extra cash and want to refinance your title loan, start with the experts at Max Cash Title Loans!2 You could have your title loans refinance complete in as little as one day!1 5

Where Can I Refinance my Loan?

Have you ever used a car title loan to cover an unexpected expense? Were you initially happy with the terms, but then your situation changed and making your payments a little overwhelming? If so, there are ways you can refinance your loan and obtain things like a lower interest rate. If the thought of reducing your monthly payments appeals to you, Max Cash Title Loans can guide you through the process and help you refinance your loan with terms that better fit your situation.

How do I Refinance my Car Title Loan?

The process for refinancing your car title loan is similar to the process for getting your loan initially. You’ll need to speak with your lender and request a refinance. If accepted, your lender may change the terms of your loan and give you a lower monthly payment. There may be fees associated with the transfer. But you should be benefiting from a lowered interest rate, and a lower monthly payment.

What do I Need to Refinance a Car Title Loan?

If you want to refinance your car title loan, you’ll need many of the same things you’d need for the initial car title loan:

  • Qualifying Car Title in your name
  • Proof of Residence (Certain pieces of mail)
  • Photos of your car (front, back, and sides)
  • Proof of Income
  • Government-Issued I.D. (Driver’s License, State I.D., Passport, etc.)

What Can I Use to Show Proof of Income for a Car Title Loan Refinance?

You can use many of the same things to show you can pay for your refinanced loan as you did for the original loan. Many people use a recent pay stub. But you can use things like:

  • Social Security
  • Worker’s Compensation
  • Settlement
  • Alimony
  • Child Support
  • Disability

How do Lenders Decide if They Will Refinance my Car Title Loan?

Lenders use a similar process to determine if you are eligible for refinance to the one they use for your first loan. A few different things contribute to the size of the loan you can refinance:

  • Value of your car
  • Your monthly income
  • Length of the loan

The value of your car determines the absolute maximum size of the loan you can refinance. Lenders will use the condition, age, and mileage of your car to determine its worth. Your monthly income is used to calculate how much you can afford to repay each month. And the length of the loan determines the size of your monthly payments. State law may limit the duration of your car title loan, which can impact the length and payment size.

Do Car Title Loan Refinances Have Hidden Fees?

If you refinance your loan with a reputable lender, they shouldn’t include hidden fees in their loan terms. They will be easy to understand and the lender will be happy to explain any sections that you don’t understand. This means there shouldn’t be any balloon payments, large payments at the end of the life of the loan. Nor should there be prepayment penalties; you won’t be punished for paying your loan back early.

What Happens if I Can’t Pay my Refinanced Car Title Loan Back?

If you’re struggling to cover your monthly loan payment, you should contact your lender immediately. Borrowers that go into default may have their cars repossessed. The exact process varies from state to state, but generally looks something like the following.

Once a borrower misses enough payments to go into default, their lender may be required to send them a right to cure notice. This notifies the borrower that they have a grace period during which they can pay the balance of the loan. Once any grace period runs out, the lender can begin trying to repossess the borrower’s car. Once the car has been repossessed, the lender typically auctions it off. The proceeds then go towards paying the balance of the loan. Depending on the state, the lender may be able to continue seeking compensation from the borrower if the sale of the car doesn’t cover the balance of the loan. Or, if there is a surplus, they may be required to return it to the borrower. In other states, the lender keeps the proceeds from the auction and the borrower is no longer responsible for the loan.

Is There Any Way I Can Extend the Length of my Refinanced Car Title Loan?

It may be possible to extend the length of your refinanced car title loan, just like you can sometimes extend your initial loan. The exact conditions will depend on the state and the lender. If they are able, lenders normally allow borrowers to roll their loans over by providing them with a new car title loan that covers the balance of your original. While there may be some fees associated with this, borrowers can take advantage of the lower loan rate from their refinanced loan and the extended time they have to pay back their loan.

How Do I Change the Lienholder on my Car for my Refinanced Car Title Loan?

As refinancing normally takes place with the same lender of your original loan, you won’t need to do anything with your car title if you go with the same lender. If for some reason you are changing lenders, the title transfer will happen between them and you won’t need to be involved.

Your financial situation can change in an instant. Max Cash Title Loans understands this and knows that even if you plan, things can still go awry. You may be able to refinance your car title loan and lower your interest rate. This can help you get your monthly payments under control and achieve the peace of mind you expect from your car title loan.

All About Home Loan Refinancing

When your current monthly loan payment on your home loan is too much for you to handle, consider refinancing. There are many good reasons to refinance a loan. You could end up in better financial shape in the long run if you go about things the right way. Max Cash Title Loans is here to guide you through the benefits of refinancing a home loan.

Lower Interest Rate

By refinancing your home loan, you could be able to negotiate a lower interest rate. This could save you boatloads of money over the life of the loan. By refinancing, you could reduce the amount you pay each month in interest. You may also be able to receive a longer loan period to pay off your loan, which in turn could reduce your monthly payment.

Debt Consolidation

Refinancing your home loan lets you combine other types of loans into one monthly loan payments. You could roll credit card bills as well as other installment debts into one loan. The proceeds from the loan go toward paying off the debt that has a higher interest rate, which then saves you money in interest, late fees, and over-limit fees. Debt consolidation is one of the most popular reasons individuals decide to refinance their home loan.

Property Improvements

Going ahead with refinancing your home loan could allow you to receive the money you need to make any repairs or improvements to your property. One thing to consider is that making home or property improvements increases the value of your home. A higher home value means more money for you when you decide that it is time to sell the house and move somewhere else.


If there is some sort of emergency expense, refinancing your home loan could be the best option you have to help you pay for it. You could tap into the equity of your home if you refinance your home by going with a home equity loan or a line of credit loan. Depending on the limitations imposed by the bank, you could use your money for a plethora of things.

ARM to Fixed

One of the benefits to refinancing your home loan is that you could receive an adjustable-rate mortgage (ARM). An ARM increases your interest rate as well as your monthly payment upward into a fixed-rate loan, after which the monthly payments and interest rate will stay the same for the rest of the duration of your loan.

Removing Someone from the Loan

Divorce or rifts in a relationship can occur. When two people are no longer living together, there comes a point where it makes no sense to keep them on the home loan if they are no longer living in the home. Refinancing a loan could help you acquire the mortgage solely in your name or sign someone else on to help you pay it. By refinancing, the former loan signer will be freed from any obligation to keep paying the loan.

Fees, Penalties, and Taxes

There are other things to keep in mind when refinancing a home loan. There are a number of taxes, penalties, and fees that come along with all the benefits that were mentioned above. Keep these charges in mind, as they could have a serious impact on your financial health in the long run.

Mortgage Amortization

When it comes to mortgages, each additional mortgage payment goes towards the principal and less towards the interest than the last payment.  After some time, a large amount of each mortgage payment could go towards your base principal.

If you choose to refinance, the amortization process will reset and begin all over again. Additionally, most of each of the payments will once again be put against the interest owed instead of paying down the principal.  Sometimes, refinancing might make it take longer to pay off a mortgage. This in turn could set someone back financially way more than they could have possibly anticipated. It would be a good idea to consider when refinancing your home loan would be most beneficial to you.

Mortgage Refinance Fees

Often when you go to refinance a mortgage, there are fees involved, just like there were fees involved when taking out the original mortgage. Fees could end up costing from 3% to 6% of the principal that remains from the mortgage.

Some lenders may entice you with exclamations of “no-cost refinancing.” Definitions of this might vary from lender to lender, but it often refers to the ability to refinance your home loan without having to pay any up-front fees out of pocket.  In order to get your hands on such a swell deal, often the interest rate will be increased or bundled into the loan as a higher principal. You will then repay this with interest over the duration of the loan.

How Max Cash Title Loans Could Help

If you want to refinance your home loan, a car title loan received through Max Cash Title Loans could help you. If you have a qualifying car title and the ability to repay the loan, then you could receive a loan worth up to $50,000!

There are some useful advantages that come with choosing Max Cash Title Loans for your car title loan acquisition needs, such as:

  • We are open 7 days per week
  • Having a low credit score or no credit at all may not be a hindrance
  • Having declared bankruptcy in the past may not be a problem
  • There are no penalties for pre-payment
  • Pre-approval is quick and easy
  • Receive funding the same day if you qualify

If you have any questions about car title loans or you need to get a hold of us for any reason, reach Max Cash by: