602-433-4090

602-433-4090

Open 7 Days a Week

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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

Requirements for a Cash Advance Loan Alternative

  • Arizona Motor Vehicle Registration in Your Name or Vehicle Identification Number (VIN)
  • Applicants Are Required to Own a Vehicle to Qualify, But They 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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Cash Advance Loan Alternative-Mesa

Recent changes to Arizona law have created the need for alternative options for cash advance loans. Extra money can be hard to come by if you need it fast to address emergencies or surprise shortfalls. Cash Time Loan Centers offer the simple and flexible cash advance loan alternative Mesa residents need.

Personal loans are a simple and quick alternative to a cash advance loan. Mesa area Cash Time Loan Centers offer personal loans from $200 to $4000 for anyone with a vehicle registered in their name. To Qualify, you do need to own a vehicle, but you don’t need to own the vehicle outright, and the title does not need to be free and clear. Simply bring your government issued id, and your Arizona checking account or debit card information.

For those that do have a free and clear motor vehicle title in their name, a title loan from any Mesa area Cash Time Loan Center is a perfect alternative to a cash advance loan. Weather it is a Truck, car, motorcycle, boat, commercial vehicle or RV, your vehicle’s value, and the amount you need will determine how much money you can get. Never fear, you keep your vehicle to use as normal, no need to leave the vehicle as collateral.

Cash Time Loan Centers has 24/7 customer service available to get your loan started, or simply answer additional questions. Call (602) 433-4090 to find out how you can get the cash advance alternative loan you need in minutes. Of course you are welcome to walk in to any Mesa area Cash Time Loan Center, our team is standing by to help you with all of your short term loan needs.

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We Provide Our Cash Advance Loan Alternative 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.

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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