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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)
  • You Must Own a Vehicle to Qualify For All Loans, However With Personal Loans 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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You Can Get Fast Loans With Bad Credit at Cash Time!

Are you in need of quick cash but have poor, little, or no credit? Turn to Cash Time Loan Centers, the experts in providing fast loans with bad credit. Applying for a title or personal loan is fast, easy, and convenient. Whether online, by phone, or in person, the Cash Time Loan Center staff is there to assist you with the process in a friendly and professional manner.

Title loans can range in amount from $100 to $100,000 depending upon your application and the worth of the vehicle that will be part of the transaction. A title loan may be obtained using a car, truck, motorcycle, or RV. All that is required is a completed application, your title certificate, and a cursory inspection of the vehicle by one of our loan agents who specialize in fast loans with bad credit.

Once approved, you get to keep your car and there is no penalty for paying off the loan early. Payment plans are made to accommodate your needs and our staff will work with you to set up a schedule that is fair and workable for you.

Do you need to pay off a vehicle or in an emergency situation where cash is needed? If you own your vehicle, but do not own it free and clear, a personal loan may be the best solution to your dilemma. The personal loan application can be processed and approved in just a few minutes for fast loans with bad credit. No appointment is necessary. Just come in during normal business hours or apply using the website application process.

Cash Time Loan Centers is accredited with the Better Business Bureau and takes pride in staff professionalism and customer satisfaction. We will help personalize your loan to work with your financial situation and make your loan experience stress free and uncomplicated. Possessing a bad credit history, newly established credit, or no credit is not a significant consideration of their loan application process. Cash Time welcomes applicants for fast loans with bad credit.

As long as the applicant is at least 18 years of age, possesses proper identification, and provides the information required, a cash sum can be received in as little as 30 minutes – once the process is complete. For a fast, convenient, and straightforward approach to obtaining a loan, Cash Time Loan Centers will meet your needs without the hassle and uncertainty posed when dealing with a traditional bank. Cash Time Loan Centers is your bad credit answer!

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Proudly Offering Fast 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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