PERSONAL LOANS

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

Personal 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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Need Cash Today? Cash Time Can Help.

If you need cash today, a short term personal loan can be the perfect answer. Life can be hectic and sometimes unexpected events make it necessary to have a loan to bridge from one paycheck to the next. With our easy and fast personal and title loans, you can have money in your bank account within an hour or less.

Why Get a Short Term Loan?

Sometimes, things happen that we do not expect. If your car suddenly breaks down, you may not have the money available to make the repairs, but you have to have your car in order to get to work. Your child might have an accident on the playground and need to be rushed to the emergency room with a broken arm. Other things can happen that you need money for right away.
Another reason people may need cash today is if they have bills that need to paid right away. It can be easy to fall behind with utility bills or credit card payments. By taking out a short term personal or title loan, you can retain your good credit and keep the lights or telephone working.

What are the Requirements?

Obtaining one of our personal or title loans is easy and fast. We only have a few requirements and you can apply online and get an answer within a few minutes. This is what we need from you to complete your application:

• Be Over 18 Years Old

• Provide a Government Issued Identification (Passport, Driver’s License, State ID)

• Have a Bank Account or Debit Card

• Provide an Arizona Registration for Your Vehicle or VIN Number – As long as you own a motor vehicle you may qualify, even if you don’t own it free and clear

How Much Can You Borrow?

We have two different types of loans available: personal loans and title loans. Personal loans can range from $200 to $4,000. Title loans can range from $200 to $100,000, depending on the value of your vehicle. Title loans can be taken out against more than just your personal car. We also offer title loans that are secured by your truck, motorcycle, RV or commercial vehicle.

In Arizona, short term personal and title loans are secured by your vehicle, which is why we need your title information. If your vehicle is financed, you will not be eligible for a title loan, but you may be eligible for one of our personal loans. If you obtain one of our title loans, you also need to carry full auto insurance coverage, including liability, collision and comprehensive insurance.

If you need cash today, getting one of our fast and easy loans can be the perfect answer to help solve your money problems right away.

 

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Proudly Offering Arizona 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 Title 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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