ONLINE LOANS

100% Online Application,
Approval and Funding.

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What do I need to qualify for an online loan with Cash Time?

  • Installment Loans require checking account with direct deposit (not required for title loans)
  • You must be a current resident of California
  • Government issued identification
  • Minimum 18 years of age

 

 

Online Loans In California

What are 100% Online Loans?
Cash Time’s online loans are cash loans, or installment loans that are 100% internet based. Your application, loan approval and even your funding are done completely online.

What if I am still paying for my car or I don’t own a vehicle at all?
That’s OK with our online Installment loans. You may qualify for our online installment loan, even if you do not own a vehicle. 

How long does a 100% online loan take to complete?
The underwriting of your application only takes a few minutes, and once approved your cash will be transmitted to your bank account. Simply complete your application, tell us when and how you want to complete your loan, and decide how you’d like to receive your money.

Once my online loan is approved, when do I get my cash?
After your online loan is approved, your cash will be electronically transmitted to your bank account. Depending on what time of day and what bank you use, your cash can arrive as soon as the same day although in most cases it takes one banking day.

Why Choose Cash Time?

Industry Leadership – Cash Time Loan Centers has been a leader for fast cash loans and installment loans for over 20 years.

Professional Customer Service – Cash Time is an accredited business with the Better Business Bureau and boasts an A-Rating. That same professional service is also provided to our online loan customers. To better assist you, we are available 7 days a week, and all of our customer service representatives speak Spanish if you prefer.

On the Spot Approval – 100% online loans can be approved in just a few minutes. We can complete your loan at a time that you choose.

Flexible Repayment Plans – Our online installment loans offer California’s best cash loan rates and flexible payment plans. We will find a loan that works for you.

Convenient Hours and Apply From Anywhere – Cash Time is open 7 days a week for your convenience. Online loans can be completed from anywhere, and your loan will be processed when you choose.

No Prepayment Penalty – With 100% online loans from Cash Time Loan Centers, you are never charged a fee for paying off your loan early.

Bad Credit Cash Loan Programs – Cash Time Loan Centers offers online installment loans (A.K.A personal loans) with flexible repayment options to fit your budget.

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Proudly Offering Online Loans In The Following Areas:

California: Los Angeles, San Diego, San Jose, San Francisco, Fresno, Sacramento, Long Beach, Oakland, Bakersfield, Anaheim, Santa Ana, Riverside, Stockton, Chula Vista, Fremont, Irvine, San Bernardino, Modesto, Oxnard, Fontana, Moreno Valley, Glendale, Huntington Beach, Santa Clarita, Garden Grove, Santa Rosa, Oceanside, Rancho Cucamonga, Ontario, Lancaster, Elk Grove, Palmdale, Corona, Salinas, Pomona, Torrance, Hayward, Escondido, Sunnyvale, Pasadena, Fullerton, Orange, Thousand Oaks, Visalia, Simi Valley, Concord, Roseville, Santa Clara, Vallejo, Victorville, El Monte, Berkeley, Downey, Costa Mesa, Inglewood, Ventura, West Covina, Norwalk, Carlsbad, Fairfield, Richmond, Murrieta, Burbank, Antioch, Daly City, Temecula, Santa Maria, El Cajon, Rialto, San Mateo, Compton, Clovis, Jurupa Valley, South Gate, Vista, Mission Viejo, Vacaville, Carson, Hesperia, Redding, Santa Monica, Westminster, Santa Barbara, Chico, Whittier, Newport Beach, San Leandro, Hawthorne, San Marcos, Citrus Heights, Alhambra, Tracy, Livermore, Buena Park, Lakewood, Merced, Hemet, Chino, Menifee, Lake Forest, Napa, Redwood City, Bellflower, Indio, Tustin, Baldwin Park, Chino Hills, Mountain View, Alameda, Upland, Folsom, San Ramon, Pleasanton, Lynwood, Union City, Apple Valley, Redlands, Turlock, Perris, Manteca, Milpitas, Redondo Beach, Davis, Camarillo, Yuba City, Rancho Cordova, Palo Alto, Yorba Linda, Walnut Creek, South San Francisco, San Clemente, Pittsburg, Laguna Niguel, Pico Rivera, Montebello, Lodi, Madera, Monterey Park, La Habra, Santa Cruz, Encinitas, Tulare, Gardena, National City, Cupertino, Huntington Park, Petaluma, San Rafael, La Mesa, Rocklin, Arcadia, Diamond Bar, Woodland, Fountain Valley, Porterville, Paramount, Hanford, Rosemead, Eastvale, Santee, Highland, Delano, Colton, Novato, Lake Elsinore, Brentwood, Yucaipa, Cathedral City, Watsonville, Placentia, Glendora, Cerritos, Gilroy, West Sacramento, La Mirada, Palm Desert, Rancho Santa Margarita, Aliso Viejo, Poway, Cypress, Covina, Azusa, Dublin, Ceres, San Luis Obispo, Palm Springs, San Jacinto, Lincoln, El Centro, Newark, Lompoc, Bell Gardens, Danville, Rancho Palos Verdes, San Bruno, Rohnert Park, Coachella, La Puente, San Gabriel, Campbell, Brea, Culver City, Calexico, Stanton, Morgan Hill, LaQuinta, Pacifica, Beaumont, Montclair, Monrovia, Los Banos, Martinez, Temple City, Bell, Oakley, Manhattan Beach, Hollister, Claremont, San Juan Capistrano, Moorpark, West Hollywood, Beverly Hills, San Dimas, Dana Point, Pleasant Hill, Seaside, Lawndale, Wildomar, Menlo Park, Adelanto, La Verne, Foster City, Laguna Hills, Saratoga, Goleta, Paso Robles, Banning, Los Gatos, Santa Paula, Walnut, San Pablo, Los Altos, Burlingame, San Carlos, Atascadero, Atwater, East Palo Alto, Suisun City, Monterey, Ridgecrest, Maywood, Eureka, Norco, Benicia, Windsor, Imperial Beach, Paradise, Desert Hot Springs, Belmont, Soledad, South Pasadena, Wasco, Lemon Grove, Twentynine Palms, Brawley, Corcoran, Coronado, Lemoore, Sanger, Reedley, Seal Beach, Hercules, Lafayette, Cudahy, Galt, San Fernando, El Cerrito, Loma Linda, Selma, Calabasas, Laguna Beach, Riverbank, Barstow, Port Hueneme, Millbrae, Dinuba, South Lake Tahoe, Duarte, Blythe, Yucca Valley, Oakdale, Patterson, Agoura Hills, Lomita, La Cañada Flintridge, South El Monte, Marina, Hermosa Beach, American Canyon, Arvin, Chowchilla, Albany, Pinole, Dixon, Lathrop, Susanville, Orinda, Arroyo Grande, Arcata, Rancho Mirage, Shafter, El Segundo, Artesia, Greenfield, Santa Fe Springs, Laguna Woods, Truckee, Ukiah, Moraga, La Palma, Oroville, Avenal, Clearlake, Pacific Grove, Fillmore, Imperial, Parlier, Tehachapi, Ripon, Hawaiian Gardens, California City, Red Bluff, Mill Valley, Kerman, Palos Verdes Estates, Coalinga, Auburn, Grover Beach, San Marino, Livingston, Carpinteria, King City, Solana Beach, Grass Valley, Commerce, McFarland, Malibu, San Anselmo, Marysville, Grand Terrace, Fortuna, Larkspur, Lindsay, Scotts Valley, Los Alamitos, Kingsburg, Half Moon Bay, Healdsburg, Signal Hill, Mendota, Sierra Madre, Clayton, Hillsborough, Piedmont, Sonoma, Farmersville, Canyon Lake, Placerville, Exeter, Morro Bay, Newman, Shasta Lake, Emeryville, Anderson, Capitola, Taft, Corte Madera, Orange Cove, Tiburon, Cloverdale, Waterford, Live Oak, Westlake Village, Mammoth Lakes, Gonzales, Rolling Hills Estates, Los Altos Hills, Ione, Calimesa, Yreka, Calipatria, Corning, Pismo Beach, Crescent City, Firebaugh, Ojai, Fairfax, Sebastopol, Rio Vista, Orland, Woodlake, Fort Bragg, Cotati, Escalon, Guadalupe, Sausalito, Atherton, Huron, Hughson, Winters, Gridley, Loomis, Willows, Colusa, Holtville, St. Helena, Villa Park, Fowler, Gustine, La Habra Heights, Woodside, Solvang, Calistoga, Williams, Big Bear Lake, Indian Wells, Dos Palos, Sonora, Willits, Needles, Buellton, Lakeport, Jackson, Portola Valley, Brisbane, Del Mar, San Joaquin, Bishop, Angels Camp, Avalon, Carmel-by-the-Sea, Wheatland, Mount Shasta, Rio Dell, Monte Sereno, Nevada City, Weed, Yountville, Alturas, Sutter Creek, Ross, Westmorland, Portola, Belvedere, Colfax, San Juan Bautista, Rolling Hills, Hidden Hills, Colma, Biggs, Dunsmuir, Del Rey Oaks, Montague, Irwindale, Ferndale, Blue Lake, Maricopa, Bradbury, Tulelake, Plymouth, Dorris, Fort Jones, Isleton, Loyalton, Etna, Point Arena, Tehama, Trinidad, Sand City, Industry, Amador City, Vernon and all of California.
Arizona: 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
For your convenience, during regular business hours we accept payments by phone, or you may mail us a check, in the event an automated payment was unable to be processed. Payments made by mail will not be applied until received and processed. We normally process electronic payments (ACH) from your checking account.

Failure to make your regularly scheduled payments may result in further collection efforts. We may contact you by telephone, email or regular mail regarding your account. Your account being in a collections status can affect your ability to receive future financing from Cash Time. If you fail to make a payment within 10 days of a due date, you will be charged a late fee of $10.

Potential impact to users credit score
We do not report customer account histories to any credit bureau. However, when customers apply for loans in California, 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. Your loan renewal will be structured as a Fully Amortized Loan with principal reductions.

Annual Percentage Rates (APR):
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*Arizona Maximum Annual Finance Rates:

Loan Amount Rate
$0-$500 204%
$501-$2500 180%
$2501-$5000 156%­
$5001 and up 120%

**California Maximum Annual Finance Rates:

Loan Type Loan Amount Rate
Installment $2600 132%

* ARS § 44-291(G)
** APR may vary depending on loan amount and term.

Examples of Fully Amortized Loan Terms and Costs:
California Installment Loans:

Loan Amount Interest Rate Loan Term Payment Frequency # of Payments Payment
$2,675 132.00% 36 Months Bi-Weekly 78 $144.07

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