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Why Choose Cash Time?

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

Bad Credit Loan Requirements

  • Arizona Motor Vehicle Registration in Your Name or Vehicle Identification Number (VIN)
  • You Must Own a Vehicle to Qualify, But You Need Not Own it Free and Clear
  • A Checking Account, Debit Card, or Pre-Paid Debit Card
  • Government Issued Identification
  • Minimum 18 years of age

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Bad Credit Loans Mesa

Having a bad credit score can prevent many people from qualifying for a cash loan with a traditional lender or bank. This just isn’t true with any of our nearby Mesa Cash Time locations. You can qualify for a quick cash loan even with a bad credit score.

Bad credit loans Mesa Arizona is looking for are not a problem at Cash Time Loan Centers. One of the ways we are able to offer bad credit loans is by not using your credit score to figure into your loan structure. This allows for greater flexibility and a higher prospect of getting approved for a bad credit loan.

You can visit any of our nearby Cash Time Loan Centers bad credit loans Mesa residents need, complete the form here, or call the customer service line as the first step to receiving a bad credit loan. Bad credit loans in two basic forms: 1) personal loans and 2) title loans.

A personal loan from one of Mesa locations can range from as small as $200 to as large as $4,000. Cash Time is a renowned leader in the industry because we are able to provide you money even with a bad credit score.  Much like title loans, personal loans require that you own your vehicle to qualify.  But unlike title loans, with personal loans, you do not need to own your vehicle free and clear.

We offer title loans in case you need cash loans that can be greater in monetary value than $2,500. You can qualify for one our title loans by using your car, truck, RV, or any other vehicle as collateral. In order to be eligible for a title loan you must be at least 18 years old and own the title to a vehicle. Additionally, if you require a loan that is more than $5,000 you must also have car insurance.

Any one of our nearby Cash Time Loan Centers can help in getting the bad credit loans Mesa AZ needs. Just call (602) 433-4090 or come into any of our local locations today. It’s as simple as speaking with one of our associates and be out the door within 30 minutes. No appointment required.

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Proudly Offering 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 Personal 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.

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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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