TITLE LOANS

Turn Your Car Into Cash

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Why Choose Cash Time?

  • Industry leadership
  • Professional customer services
  • On the spot approval and funding
  • Flexible repayment plans
  • Convenient hours and locations
  • No repayment penalty
  • Two cash loan programs

Title Loan Requirements

  • A Car, Truck, Motorcycle or RV Certificate of Title in Your Name
  • Government Issued Identification
  • Minimum 18 years of age
  • Loans Over $5,000 Require Full Coverage Auto Insurance

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You Can Get A Loan With Bad Credit!

The current economy has made it difficult for even the hardest working people to obtain a loan. Most companies do not offer options for people to get a loan with bad credit even though they have had their credit ratings damaged by reduced work hours and lower pay.

Customers with less than perfect credit are high risk according to traditional lenders who must adhere to federal guidelines that determine creditworthiness. Low wages, spotty work history, and sporadic payments on existing credit lines create blemishes that can cause roadblocks for years. Even when consumers begin making payments on time, past mistakes can continue to keep them from obtaining much needed credit.

Borrowing from banks, credit unions, and individuals are not the only options. If a person owns a vehicle, it can be a valuable asset to getting much needed cash to pay utility payments, medical bills, or an unexpected repair. Getting a loan with bad credit does not have to remain impossible.

There are reputable loan servicing companies like Cash Time Loan Centers, that value the customer and understand their need to provide for their families with a level of dignity. Cash Time provides the consumer with an opportunity to rebuild damaged credit by obtaining a personal loan or title loan using their vehicle as collateral. Even vehicles with a balance may have enough equity to secure the cash needed to bring peace of mind.

Personal loans are available to consumers who still have a balance due on their vehicles and do not own their vehicle free and clear.
There are no liens placed on these vehicles unless the customer defaults on their payments and collections become necessary. Title loans are available to those consumers who have a free and clear title with loan amounts being determined by the value of the vehicle. These loans also use the vehicle as security but the lender places a lien on the title until payoff.

Because vehicles are security for these types of loans, credit scores are not important in determining whether a person qualifies or not. This makes it a wonderful option for consumers who would otherwise not have the opportunity to obtain the cash they need. Obtaining a loan with bad credit is no longer an impossible dream.

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Proudly Offering Arizona Cash Loans In The Following Areas

Phoenix, Scottsdale, Tucson, Mesa, Tempe, Glendale, Chandler, Flagstaff, Peoria, Gilbert, Sedona, Prescott, Yuma, Surprise, Goodyear, Avondale, Queen Creek, San Tan Valley, Florence, Kingman, Casa Grande, Lake Havasu City, Sierra Vista, Tombstone, Payson, Bullhead City, Nogales, Bisbee, Jerome, Williams, Douglas, Page, Fort Huachuca, Winslow, Buckeye, Maricopa, Oro Valley, Prescott Valley, Apache Junction, Marana, El Mirage, Kingman, Queen Creek, San Luis, Sahuarita, Fountain Hills, Eloy, Somerton, Paradise Valley, Coolidge, Cottonwood, Camp Verde, Chino Valley, Show Low, Safford, Tolleson, Wickenburg, Youngtown, South Tucson, Guadalupe, Litchfield Park, Benson, Holbrook, Cave Creek, Eagar, Thatcher, Colorado City, Pinetop-Lakeside, Taylor, Clarkdale, Dewey-Humbolt, Willcox, Quartzsite, St. Johns, Carefree, Clifton, Parker, Wellton, Superior, Pima, Star Valley, Springerville, Kearny, Gila Bend, Miami, Mammoth, Fredonia, Patagonia, Duncan, Hayden, Winkelman, Tusayan, and Globe.

Collections Practices
Your Title Loan in Arizona is secured by your vehicle. Missing one payment by a single day could trigger a default and put your vehicle at risk of repossession. For your convenience, during regular business hours we accept payments by cash, check, money order, and debit card. We can also process electronic payments (ACH) from your checking account. All payments made at an Express Loan Center will be credited to your account the following business day. Payments placed in an outside drop box (no cash) after regular business hours will also be credited to your account the following business day. We may contact you by telephone, email or regular mail regarding your account.

Failure to make your regularly scheduled payments may result in the repossession of your vehicle. If a payment is more than 10 days past due, you will be charged a Late Fee equal to 5% of the payment.

Potential impact to users credit score
We do not report customer account histories to any credit bureau. However, when customers apply for loans in Arizona, we are given authorization to obtain their Credit Bureau Report. Subject to the policies of the credit reporting service, a customer’s Credit Bureau Report may reflect our inquiry, be recorded on that individuals credit history and may affect the individuals credit score.

Renewal Policy
You may request a renewal of your loan. However we are not obligated to do so. You may choose your loan renewal to be structured as either a Balloon Loan with no principal reductions or as a Fully Amortized Loan with principal reductions. There are no fees for a loan renewal.

APR:
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Arizona Regulated Maximum Annual Finance Rates:

Loan Amount Rate
$0-$500 204%
$501-$2500 180%
$2501-$5000 156%­
$5001 and up 120%

Fees and Interest:
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