602-433-4090

602-433-4090

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Personal Loan FAQs

What is a Personal Loan?

A Personal Loan is a fast easy short term cash loan secured by your vehicle.

Will Cash Time ever place a lien on my title?

If you default on your loan, we may attempt to place a lien on your title.

Will Cash Time repossess my vehicle if I am late?

If you default on your loan, Cash Time may attempt to place a lien on your title and recover your vehicle.

What is the difference between a Title Loan and a Personal Loan?

A Personal Loan is technically the same as an Auto Title Loan but we do not place a lien on your title when you get the loan. However, your loan is secured by your Motor Vehicle.

Do I need a Certificate of Title for a Personal Loan?

You need either your Arizona Registration or Certificate of Title.

Does my vehicle registration need to be current?

No. If it is expired we will need to see the vehicle or you will need to renew it.

Are there any year or mileage limits on my motor vehicle?

No. There are no year or mileage limits.

Does my vehicle need to be paid for?

No. A Personal Loan helps a customer who owns a vehicle that is not paid for. A free and clear title is not required for a Personal Loan.

What is the minimum and maximum Personal Loan amount?

$200to $4,000

Do you need to see my motor vehicle for a Personal Loan?

Only if your registration is expired.

What if I have bad credit?

Your credit history is not an important part of our customer evaluation.

How long does it take to get my money?

In most cases, 30 minutes or less

How are my loan funds issued?

We give you a Cash Time check drawn from a local bank and offer to cash it for you.

Do I need an appointment?

No appointment is needed, but you are welcome to schedule an appointment through customer service. You can also apply online.

What if I am not currently employed, self-employed or do not receive a regular paycheck?

We may still be able to help you, just call us to discuss your options.

What if I live with someone else?

That is acceptable; just bring recent mail received at your current place of residence with your name on it.

What if I become late on my payment?

It is very important to keep in communication with the Cash Time Loan Center that made your loan to discuss ways we can help you.

Can I make my payment after hours?

Yes, you can either make your payment in the outside drop box at your Loan Center location or to your loan center’s MoneyGram account. After hours payments will be credited to your account the next business day.

Do the Cash Time Express Loan Centers have a drop box?

Yes, but they are located inside and are only accessible during business hours.

What type of payment can be made in a drop box?

No Cash, only personal check, cashier’s check, or money order.

What if I am not able to pay off my loan by the end of my contract?

We will work with you, just call us to discuss ways we can help you.

What will my payment schedule be?

Your payment schedule can be bi-weekly, semi-monthly, or monthly.

How long is the loan?

Personal Loans are fully amortized and paid in full in 12 months or less depending on the loan amount and the payment schedule agreed to.

Do I need auto insurance?

No insurance is required.

What is the interest rate?

For questions about interest rates, please contact a Cash Time representative.

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Title Loan FAQs

What is the minimum and maximum Auto Title Loan amount?

$200 to $100,000.

Do I need an Arizona Certificate of Title for an Auto Title Loan?

Yes, all Arizona lenders will require an Arizona title. Converting an out of state title to an Arizona title is easy to do and we can assist you with that.

Do you need to see my motor vehicle for an Auto Title Loan?

Yes

Do I get to keep and drive my motor vehicle?

Yes

Do I need auto insurance?

No insurance coverage is required unless your loan amount is over $5,000.

Does my vehicle registration need to be current?

No

Are there any year or mileage limits on my motor vehicle?

No, there are no year or mileage limits

What if I have bad credit?

Your credit history is not an important part of our customer evaluation.

Does my vehicle need to be paid for?

No, while it is easier to qualify for the amount you are requesting on an Auto Title Loan when your motor vehicle is paid for, sometimes we can pay off your existing loan and issue you a new loan or we can offer you a Personal Loan.

How long does it take to get my money?

In most cases, 30 minutes or less

How are my loan funds issued?

We give you a Cash Time check drawn from a local bank and offer to cash it for you.

Do I need an appointment?

No appointment is needed, but you are welcome to schedule an appointment through customer service. You can also apply online.

What if I am not currently employed, self-employed or do not receive a regular paycheck?

We may still be able to help you, just call us to discuss your options.

What if I live with someone else?

That is acceptable. Just bring recent mail received at your current place of residence with your name on it.

What if I become late on my payment?

It is very important to keep in communication with the Cash Time Loan Center that made your loan to discuss ways we can help you.

Can I make my payment after hours?

Yes. You can either make your payment in the outside drop box at your Loan Center location or to your loan center’s MoneyGram account. After hours payments will be credited to your account the next business day.

Do the Cash Time Express Loan Centers have a drop box?

Yes, but they are located inside and are only accessible during business hours.

What type of payment can be made in a drop box?

No Cash, only personal check, cashier’s check, or money order.

What if I am not able to pay off my loan by the end of my contract?

We will work with you, just call us to discuss ways we can help you.

What will my payment schedule be?

Your payment schedule can be bi-weekly, semi-monthly, or monthly.

How long is the loan?

The length of the loan depends on your payment schedule.

What is the interest rate?

For questions about interest rates, please contact a Cash Time representative.

What is the interest rate?

For questions about interest rates, please contact a Cash Time representative.

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Loan Transfer FAQs

What is a Loan Transfer?

A Loan Transfer is a Personal Loan or Title Loan given to replace or refinance an existing loan from a competitor.

Do I need a Certificate of Title for a Personal Loan or Title Loan Transfer?

You need either your Arizona Registration or Certificate of Title.

What is the minimum and maximum Personal Loan amount?

If a Loan Transfer is done in the form of a Personal Loan, the loan may range from $200 to $4,000. If the Loan Transfer is approved in the form of a Title Loan, the loan amount ranges from $200-$100,000.

Do you need to see my motor vehicle for a Loan Transfer?

Only if your registration is expired, or you are applying for a Title Loan.

What if I have bad credit?

Having bad credit or no credit history is not an important part of our customer evaluation.

How long does it take to get my money?

In most cases, 30 minutes or less

Do I need auto insurance?

No insurance coverage is required unless your loan amount is over $5,000.

How are my loan funds issued?

We give you a Cash Time check drawn from a local bank and offer to cash it for you.

Do I need an appointment?

No appointment is needed, but you are welcome to schedule an appointment through customer service. You can also apply online.

What if I am not currently employed, self-employed or do not receive a regular paycheck?

We may still be able to help you, just call us to discuss your options.

What if I live with someone else?

That is acceptable; just bring recent mail received at your current place of residence with your name on it.

What if I become late on my payment?

It is very important to keep in communication with the Cash Time Loan Center that made your loan to discuss ways we can help you.

Can I make my payment after hours?

Yes, you can either make your payment in the outside drop box at your Loan Center location or to your loan center’s MoneyGram account. After hours payments will be credited to your account the next business day.

Do the Cash Time Express Loan Centers have a drop box?

Yes, but they are located inside and are only accessible during business hours.

What type of payment can be made in a drop box?

No Cash, only personal check, cashier’s check, or money order.

What if I am not able to pay off my loan by the end of my contract?

We will work with you, just call us to discuss ways we can help you.

What will my payment schedule be?

Your payment schedule can be bi-weekly, semi-monthly, or monthly.

How long is the loan?

Personal Loans are fully amortized and paid in full in 12 months or less depending on the loan amount and the payment schedule agreed to.

Can I take out more money than what I owe on my existing loan?

Depending on your vehicle and application details, you may be able to increase the amount of your loan to pay-off your existing loan and get extra money.

Will I receive a reduced rate on my current Title Loan or Personal Loan?

Rates will depend on the length of the loan and the payment schedule, along with your application and vehicle.

What is the interest rate?

For questions about interest rates, please contact a Cash Time representative.

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Online Loan FAQs

What is an Online Loan?

An Online Loan is a fast easy personal cash loan completed 100% online. Application and funding are completed through the internet (no store visit is necessary).

What is the minimum and maximum Online Loan amount?

An Online Loan may range from $200-$4,000 (for personal loans) or $200 - $100,000 (for title loans) depending on your application & vehicle information and cash requirements.

How long does it take to get my money when I am approved for an online loan?

If your application is completed and you are approved before 4pm, your money will arrive in your bank account the next business day in most cases.

Can I adjust an existing loan online?

No, any adjustments or changes to existing loans must be completed at one of our loan centers.

How long does it take to complete an application for an internet loan?

In most cases and online loan application can be completed in just minutes.

How are my loan funds issued?

Funding from an internet loan are sent via ACH into the bank account you provide on you application.

Do I have to have a checking account to apply for an Online Loan?

Yes, you must have an active/open checking account to apply for an online loan.

Do I have to have electronic banking for an online loan?

Yes, internet or electronic banking must be enabled in order to complete your loan and the funding process.

Does Cash Time keep my bank account login or access information?

No, banking information is used only to complete the loan approval and to schedule electronic payments after the loan is approved. Cash Time Loan Centers will never keep or share your online banking access information.

What do I need to complete an online loan?

You will need an active/open checking account, online banking capabilities, a government issued ID, your license plate or Vehicle Identification Number (VIN), and about 20 minutes.

What if I can't finish my online loan application?

Don't worry, we will provide you with an account and login which will allow you to return to complete the loan application where you left off. Also, you may ask for assistance using our toll free phone number or Live Chat if you are experiencing any difficulties.

What if I have bad credit?

Having bad credit or no credit history is not an important part of our loan approval decisions.

Can I get a title loan online?

Not yet. Currently only personal loans are completed 100% online. You may start your title loan process online, but approval and funding must be completed at one of our loan centers.

How do I make payments on my Online Loan?

Payments will be automatically withdrawn from your bank account on pre-set dates you choose during your application process.

What if I am not able to pay off my loan by the end of my contract?

We will work with you, just call us to discuss ways we can help you.

How long is the loan?

Personal Loans are fully amortized and paid in full in 12 months or less depending on the loan amount and the payment schedule agreed to.

Will Cash Time repossess my vehicle if I am late?

If you default on your loan, Cash Time may attempt to place a lien on your title and recover your vehicle.

What if I need help completing my online loan application?

You can call or chat with our service team anytime during the application process. We are happy to assist you with any or all of your internet loan application.

Do I have to own a vehicle to apply for an Online Loan?

Yes, you must own a vehicle, but you need not own it free and clear. As long as the vehicle is registered in your name you may qualify even if you're still paying for it.

What is the interest rate?

For questions about interest rates, please contact a Cash Time representative.

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Convenient Services and Locations

Services We Provide:

Cash Loans, Title Loans, Registration Loans, Personal Loans, Loan Transfers, Online Loans, Auto Title Loans, Same Day Loans, Emergency Cash Loans, Motorcycle Title Loans, Fast Loans, Bad Credit Loans, No Credit Check Loans, No Credit Loans, Poor Credit Loans, Title Loan Refinancing, Truck Title Loans

Communities We Serve:

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