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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

Easy Loan Requirements

  • An Arizona Certificate of Title or a Registration in Your Name
  • Government Issued Identification
  • All Loans Require That You Own a Vehicle to Qualify.  Personal Loans Do Not Require That You Own Your Vehicle Free and Clear
  • Minimum 18 years of age
  • Loans Over $5,000 Require Full Coverage Auto Insurance

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Cash Time’s Easy Loan Program

Do you have bad credit or no credit at all and need to get cash fast? No matter what financial situation you are in, Cash Time Loan Centers can help you get an easy loan to cover the expenses you have. All you need to have is a motor vehicle to secure the loan. The loan amounts will vary depending on the amount you need and type of loan you get. We have two great loan options that we offer. Both options are short term cash loans.

We offer personal loans that can range from $200 to $4,000. The easy loan amount averages around $400 that most individuals will receive. The motor vehicle that you are using to secure the loan does not have to be paid off in order to get the cash you need. That means you still have to own your vehicle, but you do not need to own it free and clear.  A lien will not be placed on the vehicle unless you default on your loan. Cash Time Loan Centers will work with you to help you get through the financial troubles you may be experiencing.

The other type of easy loan that we have to offer is our title loans. The loan amounts can be much higher with this option. They range from $200 to $100,000. This type of loan is easier to receive when your motor vehicle is paid off. If it is not paid off, we can look at options to help you pay it off plus get additional funds that you need for your finances. You will be required to have an Arizona title for the loan.

With either type of easy loan you receive, you will be set up on a payment plan. The payment plan can be monthly, semi-monthly, or bi-weekly. We will work with you on the best payment option that will work best for your needs. The length of the loan payment plan is going to depend on the loan amount you receive. The types of payments we will accept are cash, money orders, personal checks, MoneyGram and cashier checks. You can make your loan payments by mail, phone, online, through MoneyGram, or by using our drop box at any of our locations. You will not be able to put cash through our drop box as a payment. If you need a loan today, be sure to get in contact with one of our representatives at Cash Time Loan Centers today!

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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 Arizona Cash Loans are 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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