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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, 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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Instant Bad Credit Loans

CashTime Loan Centers’ instant bad credit loans are geared towards consumers who have trouble getting loans from traditional banking institutions. Finances are tight, and people often find themselves in need of a quick cash loan. Unfortunately, banks are tightening up their lending standards; this leaves people without the ability to get loans, and fewer places to turn for help.

Loan companies like Cash Time have stepped in to fill the needs of consumers; they offer alternatives to traditional loans. These compassionate companies understand that it is easy to make a mistake when it comes to finances.

With instant bad credit loans, you can get quick cash without much hassle; the lender goes over your past credit history and gives you a fair loan based on your credit worthiness. These loans can be used for food, gifts and in emergencies. They allow you to procure cash when you need it most; these loans help people out of financial jams.

If you don’t have the best credit, then instant loans can help you repair your credit history. People with bad credit have a hard time getting traditional loans; therefore, they have a hard time rebuilding their credit. If you pay back an instant loan on time, then credit agencies may see that you are actively trying to work on your credit score. Without instant loans, you never really get a chance to do this; many people use these loans as a stepping stone to good credit.

Applying for instant bad credit loans at Cash Time is a simple process. As long as you own a vehcile, you may qualify.  Even if you do not own that vehicle free and clear.  If you have an Internet connection, then you are well on your way to being approved within minutes. A person can simply login to a website to see how much money they are approved for; the website will only ask you a couple of questions about your finances. After all the calculations are complete, you simply accept or reject the terms of the loan. Within minutes, you can figure out exactly what kind of loan you can get.

When people need cash, they often need it quickly. Lots of people choose instant bad credit loans from Cash Time because of how fast they are processed. With traditional loans, you have to go to an office and sit through an application process. Instant loans are done online; unlike traditional loans, there is no waiting and hoping for approval. Give instant loans a try; you will find that they are simple, quick and affordable.

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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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