Still paying for your vehicle? We can help.
Clear title not required.

Get Started

Get Approved Now!

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 for All Loans, But You Need Not Own it Free & Clear for a Personal Loan
  • A Checking Account, Debit Card, or Pre-Paid Debit Card
  • Government Issued Identification
  • Minimum 18 years of age

Schedule a Visit

Get Loan With Bad Credit

Whether you have some bumps and bruises on your credit or simply don’t have any credit history, Cash Time Loan Centers can help you get the cash you need. Cash Time Loan Centers is great place to get loan with bad credit. This company offers personal loans, title loans, and loan transfers. Customers appreciate the easy approval process and convenient payment options. Cash Time also provides excellent customer service. Discover how Cash Time Loans can help people with bad credit get the loans they need.

Loan Types

Cash Time Loan Centers makes is easy for people to get loan with bad credit. They offer a variety of loans to accommodate their customer’s financial needs. People who own a car that hasn’t been paid off can be approved for a personal loan up to $4.000, you do not need to own the vehicle free and clear. Title loans are an excellent option for people who have a certificate of title. Applicants can be approved for a title loan up to $100,000. Cash Time also provides loan transfers for people interested in refinancing. Transferring your loan to Cash Time will lower your rate and monthly payments.

Easy Approval Process

Cash Time Loan Centers has an easy approval process. Most people can get loan with bad credit. Personal loan applicants will need an Arizona Motor Vehicle Registration in their name or a vehicle identification number. Personal loan applicants will also need debit card, government identification card, and be at least 18 years old. Title loan applicants will need a certificate of title in their name. They will also need a government issued identification card and be at least 18 years old.

Excellent Customer Service

Cash Time Loan Centers provides customers with excellent customer service. They are open 7 days a week and can be reached on the telephone 24 hours a day. Customer service agents are eager to answer any questions you might have. Cash Time provides customers with a variety of convenient payment options. Customers can make a payment via mail, telephone, money gram, or internet. They also have option to pay at a loan center or utilize the drop box after regular business hours.
Cash Time Loan Centers provide personal and title loans to people even if you have bad credit. The easy approval process allows customers to get their money quickly. Cash Time offers great customer service to their customers. They also provide a variety of convenient payment methods.

More Information




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.

View More >

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:
View More >