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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)
  • 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 Tempe

Obtaining the best cash advance loan Tempe residents can get is done at Cash Time Loan Centers. Arizona no longer allows cash advance loans, forcing people to find cash advance loan alternatives to help pay for emergencies, bills, or repairs. Tempe Cash Time Loan Centers can help with two ways to get the cash you need fast.

Cash advance loan alternatives in the form of personal loans are an excellent option for those in need of money. Cash Time Loan Centers around Tempe do not require a clear title to get a personal loan. You simply need to own your vehicle (does not have to be owned free and clear), and have that vehicle registered in your name. Personal loans can provide anywhere from $200 to $4000 to address most emergency cash shortages.

In the event that you do have a free and clear motor vehicle title in your name, you may want to consider a title loan as the perfect cash advance loan alternative Tempe. Title loans can be provided for amounts as low as $100, or as high as $100,000, depending on your needs and the value of your vehicle. Most people don’t realize that you keep your vehicle with a title loan, and there is never a penalty for paying off your loan early.

Cash advance loans are expensive, and now illegal in Arizona. Visit any Cash Time Loan Center to get the cash advance loan alternative Tempe residents are looking for. It takes only minutes to get the cash you need, so get started today. Customer service is standing by to help you get started on a personal or title loan. Call (602) 433-4090 any time, any day; and get the fast cash you need.

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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.

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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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