PERSONAL LOANS

Still paying for your vehicle? We can help.
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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 a Payday Loan Alternative

  • Arizona Motor Vehicle Registration in Your Name or Vehicle Identification Number (VIN)
  • To Qualify for a Personal Loan, You Must Own a Vehicle.  You Do Not Need to Own Your Vehicle 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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Payday Loan Alternative Phoenix

Many people remember a time when something known as a payday loan existed. However, since 2010 regulations involving these advances expired in Arizona. As a response to this, Cash Time locations in Phoenix have created a new, much more affordable payday loan alternative Phoenix can use in the form of a personal loan.

A payday alternative loan in the form of a personal advance works very much, typically identical, to the other personal advances that we offer. Many people need money quick before they receive a paycheck. Cash Time understands this which is why we offer one of the most competitive payday alternative loans in the form of personal advances around.

A personal loan as a payday alternative loan functions very simply. By calling the Cash Time service line at (602) 433-4090, which is available 24 hours a day 7 days a week, making an appointment, or even just walking into one of the many Phoenix neighborhood locations (no appointment necessary!) you can speak with a Cash Time professional to work out all the specific details for your payday alternative loan.

With a personal loan as a payday loan alternative Phoenix residents can take out as little as $200 and even as much as $4,000! This is great when you need that extra cash fast. It only takes about 30 minutes with a Phoenix Cash Time professional before you can get your payday alternative loan. You only need to be 18 years old, have a checking account or an employer provided debit card, own a vehicle (does not need to be owned free and clear), and a government issued ID. Cash Time does not use your credit score when structuring your loan plan if you have bad credit or even no credit you can still be approved quickly. Contact a Cash Time professional today and get that much needed advance today by calling (602) 433-4090.

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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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