Personal Loans and Title Loans in Minutes.
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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

Instant Loan Requirements

  • Arizona Motor Vehicle Registration in Your Name or Vehicle Identification Number (VIN)
  • Applicants Are Required to Own a Vehicle to Qualify, But They Need Not Own it Free & Clear
  • A Checking Account, Debit Card, or Pre-Paid Debit Card
  • Government Issued Identification
  • Minimum 18 years of age

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What is an Instant Loan?

If you are in a financial bind and need cash quickly, consider an instant loan from Cash Time. Serving residents in Arizona since 1997, Cash Time offers rapid loan approval, flexible repayment schedules, and prompt customer service. Your loan can be approved in as little as 30 minutes, and your Arizona-licensed motor vehicle will serve as the security for the money you borrow.

An Alternative To Traditional Bank Loans

Getting a personal loan from a bank can be a frustrating procedure, and there is no guarantee you will be approved for the amount you request. Your credit score is of primary importance to most lenders, and your annual income is also taken into consideration. If you have defaulted on previous loans or have a high outstanding balance on your credit cards, you may very well be denied a loan from a traditional lender.

On the other hand, a personal loan from Cash Time requires only that you are 18 years of age, a resident of Arizona and own a motor vehicle (you need not own it free and clear). Our approval process for your instant loan is simple and straightforward. It does not matter if you still owe money to the lender financing your car or truck. We make short-term borrowing easier than ever.

How To Apply

You can visit one of our convenient store locations in the Phoenix or Tucson metro areas to apply for your cash loan. If you prefer, you can begin the application process online here at our company website. The amount for which you will be approved varies depending on the type of vehicle you own and your employment status.

Upon approval, the terms of your loan including the amount of credit extended and the applied interest rate will be clearly stated. You are under no obligation to accept our loan proposal. You will be given a choice of repayment plans, most of which involve weekly or bi-weekly withdrawals from your checking account or payment drop-offs at one of our conveniently located cash loan stores.

We Also Offer Refinancing Of Personal Loans & Title Loans

This is good news for those who have a current high-interest personal loans or title loans with a competing lender. You may qualify for an instant loan with a lower annual percentage rate with Cash Time. We take into consideration the balance on your existing loan and can offer you a flexible repayment plan that better fits your monthly budget. To find out how much you can save, ask a Cash Time service representative today.

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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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