PERSONAL LOANS

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

Bad Credit Loan Requirements

  • Arizona Motor Vehicle Registration in Your Name or Vehicle Identification Number (VIN)
  • Title Loans and Personal Loans Require That You Own a Vehicle to Qualify.  With Personal Loans You Need Not Own Your Vehicle 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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Easy Loans For Bad Credit

For every individual out there who is struggling with credit problems, learning that there are companies like Cash Time that provide easy loans for bad credit can seem like a dream come true! Many people have bad credit as a result of attempting to live beyond their means. While others have bad credit as a result of unexpected illness, loss of employment, or extensive medical bills.

There is no denying that having bad credit makes life difficult. There are very few companies out there that offer loans to individuals with bad credit. In the majority of cases, trying to get a loan either from a bank, a lending institution, or a credit card company is all but impossible for individuals who have less than stellar credit. Individuals dealing with bad credit can easily start to feel marginalized.

At times, those who are fighting with bad credit may feel as if there is no hope of them ever getting a loan. It could very well be that an individual with bad credit desperately needs a short-term loan in order to help them deal with a financial emergency that they are experiencing. For individuals in this situation, having access Cash Times’ easy loans for bad credit customers can be the difference between them surviving a financial emergency and having their entire financial world crash down around them.

Many hard-working individuals who are dealing with bad credit have found the solution by looking into title loans. Basically, a title loan is when an individual takes out a loan and has that loan secured by a motor vehicle that they own. This motor vehicle could be an RV, a motorcycle, a car, or a truck. Depending on the value of the vehicle, title loans can be as low as $100 to as much as $100,000. Title loans are a way that Cash Time Loan Centers can give easy loans for bad credit to their clients. Because the loan is secured by the title of a motor vehicle, there is minimal risk to the lending institution.

It is very easy for individuals with bad credit, or no credit, to qualify for a title loan. In most instances, the paperwork connected to a title loan can be completed within a matter of a few minutes. Often times, the approval process is all but instantaneous. One of the nice things about title loans is that they allow motor vehicle owners to keep their vehicle while at the same time getting the cash that they need instantly. Title loans from CashTime offer a glimmer of hope to individuals who are experiencing a temporary financial setback.  Cash Time also offers hope to those who own their vehicle but do not own it free and clear.  For those still paying for their vehicle, Cash Time can provide a personal loan.  Unlike title loans, personal loans offer a maximum loan amount of $4000.  Fill out the form on this page to start your application 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 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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