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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)
  • All Loans Require That You Own a Vehicle, But With Personal Loans 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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Even Those With Bad Credit Need A Loan

Needing quick cash is stressful and it can happen to anyone. Even those with bad credit need a loan, Cash Time Loan Centers help to see you through. Maybe you just need a small loan until your next paycheck. Maybe you need a larger loan that you can pay on over time. If you own a vehicle, chances are that Cash Time can help.

At Cash Time we offer two different programs depending on your needs and your situation. The good news is that since the loan is secured by your vehicle, you don’t need to go through an extensive and time consuming application process. You do need to own a vehicle to qualify for any of our loans, but you do not have to own it free and clear for all loan products.  If you find yourself with bad credit, need a loan, we can help where traditional lenders can’t.

We have locations throughout the Phoenix and Tucson metro areas for your convenience. Cash Time can get you the money you need fast. Just call or visit our nearest location and often we can get you on your way, with cash in hand, in just 30 minutes.
Our approval process is easy and fast. Just bring in your vehicle and we will work with you to get you the funds you need. We make loans on cars, motorcycles, trucks and RVs. You get to move on and live your life with no inconvenience because your vehicle stays with you. You don’t even need to own your vehicle outright; we can work with you to alleviate your bad credit need a loan situation even if there is currently a loan on your vehicle.

At Cash Time we help people meet their financial needs with loans from $200 to $100,000. If you own your vehicle outright, the maximum loan amount will be determined by the value of your vehicle. Personal loans in amounts from $200 to $4000 are available even if you are still paying on your vehicle purchase.

Too often, people feel that bad credit need a loan is a hopeless situation. At Cash Star, helping people when banks and credit unions can’t is what we do seven days a week. Just because another lender may have turned you down due to poor credit, don’t let that stop you from getting the money you need. Simply call or stop by today to speak to one of our friendly and professional Cash Time agents.

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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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