602-433-4090

602-433-4090

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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

Personal Loan Requirements

  • 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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Easy Personal Loans

Easy personal loans are not as far out of reach as you may think. As the name implies, obtaining these types of loans is quite a simple process. Unlike more traditional loans offered by local banks, Cash Time waiting time is shorter and approval is almost guaranteed providing that specific criteria is met.

Eligibility Requirements

The eligibility requirements are minimal. The applicant must be at least 18 years of age and have a checking or debit card. The applicant must also own a vehicle to qualify, but the vehicle does not need to be owned free and clear.  Identity verification is not a problem, all the applicant needs is a government issued I.D. card, such as a driver’s license for example. Qualifying for easy personal loans is quick and convenient.

Not Another Payday Loan

This is not another payday loan. This type of funding allows for generous repayment terms that may be weekly, bi-weekly or even monthly that is not based on the clients payroll. There are several convenient payment options that may be available and the interest rates and fees are provided in black-and-white prior to the individual accepting the loan. Best of all, there are no penalties imposed for those who wish to pay the balance off early and renewal of the loan is possible if necessary.

Easy Personal Loans Uses and Amounts

These easy personal loans can be used for anything. The applicant does not have to disclose this information to the lender. Whether just needing to get caught up on bills, an emergency or even a large purchase is necessary, this loan can help. The amount that can be borrowed will differ from one customer to the next. Upon applying, the lender will review this information and discuss potential amounts with the applicant.

Other Important Information

When obtaining this type of loan, the vehicle is considered collateral. This means that those who do not repay their easy personal loans as agreed upon can have their vehicle taken away and may face additional fees and penalties as a result. However, Cash Time is here to work with you and may be able to help if contacted prior to falling behind on the payment.

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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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