602-433-4090

602-433-4090

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Personal Loans

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

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

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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

Requirements for Loans in AZ

  • A Clear Motor Vehicle Title, an Arizona Motor Vehicle Registration in Your Name or Vehicle Identification Number (VIN)
  • For Personal Loans or Registration Loans, You Must Own a Vehicle to Qualify, But You Do Not Have to 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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Loans in AZ

You never know when you might need loans in AZ to help deal with a financial shortfall. Whether it’s a medical emergency or a large repair bill, you need some money that you just don’t have. That’s when a Cash Time Loan Center can help.

When you’re facing a financial shortfall that must be overcome quickly, you have several options, even if your credit is bad. Instead of pursuing the traditional loan options, work with Cash Time, a company that can use something you already own for collateral. You can often get a personal loan or a title loan in Arizona by putting up your car or truck as your promise that you’ll repay the loan.

Many different types of vehicles qualify as valid collateral for loans in AZ. Your car or truck, motorcycle or recreational vehicle can all be used to secure a loan. Even a commercial vehicle can be used as collateral.  You don't have to wait days for the money you need!  All of Cash Time's loans are approved on the spot, and you get your cash in minutes!

Although both personal and title loans require your vehicle as collateral, there are some important differences. In most cases, a vehicle should be paid for if you want to get a title loan, while a personal loan is better if you own you car, but do not own it free and clear. A title loan can be for as little as $100 and as much as $100,000 while a personal loan is capped at $4,000. Personal loans and title loans have repayment terms based on the individual loan.

**One of the major benefits of securing a personal or title loan using Cash Time's loans in AZ is that you’ll be able to drive your car while you repay the loan.

Cash Time's loans in AZ  that are based on car titles usually don’t require you to carry auto insurance (unless the loan is over $5,000), but your car must be registered in your name if you don't have a free and clear title. You don't have to worry that bad credit will prevent you from getting loan. Cash Time Loan Centers don’t consider previously financial history when making loan decisions. Investigating a loan that uses your vehicle as collateral may be the best way for you to get out of a difficult financial situation.

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Proudly Offering 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.

APR:
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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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