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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

Cash 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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What is an Emergency Cash Loan?

Without a large savings account to fall back on, there may come a time when an emergency cash loan is necessary to overcome a problem or just make it to the next paycheck. People need extra money for a whole host of reasons: emergency medical costs, vehicle repair, an unexpected bill or just to catch up and avoid late fees. These loans can give you some breathing room or get you back on your feet or on the road, but you might still be unsure. Consider the following top three reasons to choose this type of financial assistance.

1 – Emergency Help When You Need It

Life is full of unexpected expenses and if you don’t have savings or credit to fall back on, those headaches can turn into nightmares. If your child gets an ear infection and needs the doctor and prescription, your car blows a gasket or a tree fell on your roof, you need money right away. An emergency cash loan can be available in any amount that can get you up and running again.

2 – Restructure Debt or Counteract Slow Periods

An emergency cash loan can help repay or shift debt into a more manageable form. If you owe money to many different creditors at varying interest rates, it may make sense to pay them off all at once and only owe one bill instead. Also, if you get paid erratically or, due to the economy, have a period with no contracts or sales, you can get the money you need to tide you over until the next payment comes due.

3 – Your Finances Cause Personal and Family Stress

Whether you ask your parents for money every month or argue about it with your spouse, financial problems can cause a lot of stress in the family. Emergency cash loans can allow you to responsibly get on top of bills before they are late and provide a structured repayment plan so you can more wisely manage your money. This not only gives you some breathing room, but will help eliminate the conflicts with others who share your finances.

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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.

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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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