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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)
  • All Loans Require That You Own a Vehicle.  For 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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What Are Emergency Cash Loans?

Cash Time Loan Centers is an industry leader in providing people with emergency cash loans in Arizona. These loans are fast, just what you need when life hits you hard and nothing goes according to plan. When you face an unexpected expense, such as a car accident, hospitalization, or other catastrophic event and you have no savings built up or they just aren’t enough to cover you, Cash Time Loan Centers is here to help.

Cash Time Loan Centers provides professional and personal service to its customers, with immediate approval, convenient hours, flexible payment plans, and more. If your credit is non-existent or less than perfect, don’t worry – you can still be approved for a loan through other methods. Using collateral such as your vehicle, Cash Time Loan Centers can approve you and provide you with the money you need, as soon as you need it.

While there are many ways to get emergency cash loans, many require credit ratings that are out of reach for the average person or APR ratings that would put someone in need of a loan in even more dire financial straights. If circumstances allow, then it’s better to avoid claiming a loan, but if you are forced to, make it Cash Time Loan Centers. Their personal service will help you determine exactly what you need, no more, no less. They offer a touch of care in an area where most providers only want your money.

To apply for a loan, there are a few pieces of information you will need. An Arizona Motor Vehicle Registration in your name, or a valid VIN, either a checking account or a debit card, a government issued form of identification, and you must be at least 18 years of age or older. The emergency cash loan, like other loans in Arizona, is dependent upon your vehicle. All of our loans require that your own your vehicle, however personal loans do not require that you own your vehicle free and clear.  Payments may be made through an Express Loan Center or in a regular drop box. If Cash Time Loan Centers needs to contact you, they may do so through telephone, mail, or email in regards to your account.

The loan should be repaid in full within twelve months, or by the specified time stated upon taking out the loan. If you have trouble making the payments, discuss it with Cash Time Loan Centers to determine if there is a way for them to help you. Emergency cash loans are meant to help, not hurt, and certainly no one wants you to lose your vehicle because of financial difficulties. Times are tough, but Cash Time Loan Centers is here to help when they get too tough.

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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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