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Personal Loans

Still paying for your vehicle? We can help.
Clear title not required.

Still paying for your vehicle?
We can help. Clear title not required.

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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 Scottsdale

At Cash Time Loan Centers bad credit loans are not a problem. No need to worry about being able to get a cash loan because of a bad credit score. You CAN get quick bad credit loans Scottsdale! Check out any of our area Cash Time locations.

By not using your credit score into the structure of a loan this provides greater flexibility and a higher probability of getting approved for the bad credit loans Scottsdale area residents need. You can get started with a bad credit loan by visiting any of our local Cash Time Loan Centers in Scottsdale. You can also get started by going to our website and filling out the online form or by calling the customer service line number. Cash Time provides two types of cash loans in place of a bad credit loan.

The first type of loan we provide are personal loans. A personal loan from any of our nearby Cash Time Scottsdale locations can vary from $200 to $4,000. One reason we have become one of the industry leaders for bad credit loans is because we can still provide a cash loan even if you have bad credit.  These personal loans require that you own a vehicle, but you do not need to own your vehicle free and clear.

The second type of loan we offer are title loans in case you need a loan of greater monetary value. You can qualify for one of our title loans by using your car, truck, RV, or any other vehicle as collateral. With one of our auto title loans you can use your RV, car, or other vehicle as collateral for a loan. In order to be eligible you must be 18 years old and own the title to the vehicle. In case you need more than $5,000 you must also have car insurance.

Just come into any of our local Cash Time locations to get the help you need for the bad credit loans Scottsdale wants. You can walk-in with no appointment, Schedule A Visit, or speak with one of our representatives. You will be in and out the door with cash in 30 minutes or just call us at (602) 433-4090.

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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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