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The topic of refinancing title loans can often be a bit confusing On one hand the ability to lower the interest rate, payment, and total loan cost on an existing title loan can be a big help, especially for borrowers who rushed into a loan with a very high interest rate. On the other hand refinancing a title loan is not permitted in all states and therefor not available to all borrowers. Nevertheless, if you have an existing title loan with a payment that is not affordable it may be a good idea to consider a title loan refinance.