PERSONAL LOANS

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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)
  • 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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Cash Advance Loan Alternative Phoenix

In 2010 the laws and regulations regarding particular forms of loans expired in Arizona. If you need an advance before your next paycheck to help out with those much needed bills, then you need Cash Time’s cash advance alternative Phoenix.

We provide a cash advance alternative Phoenix area residents need in the form of a personal loan. Cash Time, with locations all over the Phoenix area, is one of the leaders in the industry when it comes to providing a cash advance alternative. By choosing us for this service you are choosing to go with a company with stellar customer service and competitive options.

A cash advance alternative Phoenix locations provide can come in the form of a personal loan. A personal loan can be as little as $200 in value or as large as $4,000.

Personal loans at Cash Time as a cash advance alternative are great because they are affordable and are based on flexible plans that are specific to you and your needs. You can walk into any Phoenix location and meet right there with a professional to discuss the multiple and flexible options for a cash advance alternative. Many people are approved within 30 minutes of their visit!  As long as you own you vehicle, you may qualify.  Even if you do not own it free and clear.

It can be hard to get by when you just need a little extra money. By using one of our personal loans as a cash advance alternative you can easily and affordably get that much needed money. Calling the 24 hour service line at (602) 433-4090 and speaking with a representative can help you figure out exactly how your personal loan will work. Call or come into a Phoenix Cash Time location today and get approved for your personal loan as a cash advance alternative.

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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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