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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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What do I need to get a personal loan from Cash Time?

  • Arizona Motor Vehicle Registration in Your Name or Vehicle Identification Number (VIN) - You Must Own A Vehicle, But It Need Not Be Paid For
  • A Checking Account, Debit Card, or Pre-Paid Debit Card
  • Government Issued Identification
  • Minimum 18 years of age

Personal Loans AZ

What is a personal loan?
Personal Loans in Arizona are fast loans designed specifically for those who own their vehicle, but do not own it free and clear.  If you need a Cash Loan and you're still paying off your vehicle, a personal loan from Cash Time is the choice for you.

How long does it take to get a personal loan?
The loan application, approval and funding process for personal loans only takes a few minutes. You can apply for one of our bad credit loans, get approved and get your cash usually within 30 minutes.

How much money can I get with a personal loan from Cash Time?
Personal Loans in Arizona can be as little as $200 or as large as $4,000 depending on your application and needs. Our average personal loans in AZ are about $400.

Why Choose Cash Time?

Industry Leadership – Cash Time Loan Centers has been providing fast, easy and reliable personal loans in Arizona since 1997.
Professional Customer Service – Cash Time is an A-Rated, accredited business with the Arizona Better Business Bureau.
On the Spot Approval – Loan approval takes less than 30 minutes, and we can cash your check on the spot.
Flexible Repayment Plans – Get the best rates and flexible payment plans. We offer multiple cash loan models that ensure your payment works for your individual situation.
Convenient Hours and Locations – Cash Time has 24 locations in the Phoenix and Tucson metro areas to get your personal loans n AZ.  Every location is open 7 days a week for your convenience. Walk in anytime or schedule a visit that works for your busy schedule.
No Repayment Penalty – With a personal loan at Cash Time, you will never be charged an additional fee for paying off your personal loan early.
Two Cash Loan Programs – Cash Time Loan Centers offer personal loans and title loans to fit any need, including options for bad credit loans. Let us know what you need, we will find the right cash loan for you.

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Proudly Offering Personal 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.

Personal Loan FAQs

What is a Personal Loan?

A Personal Loan is a fast easy short term cash loan secured by your vehicle.

Will Cash Time repossess my vehicle if I am late?

If you default on your loan, Cash Time may attempt to place a lien on your title and recover your vehicle.

What is the difference between a Title Loan and a Personal Loan?

A Personal Loan is technically the same as an Auto Title Loan but your vehicle does not need to be free and clear. However, your loan is secured by your Motor Vehicle.

Do I need a Certificate of Title for a Personal Loan in Arizona?

You need either your Arizona Registration or Certificate of Title. A clear title is not needed.

Does my vehicle registration need to be current to get an personal loan in Arizona?

No it does not. If it is expired we will need to either see the vehicle or you will need to renew it.

Are there any year or mileage limits on my motor vehicle to qualify for a Personal Loan?

No. There are no year or mileage limits.

Does my vehicle need to be paid for to qualify for a Personal Loan in Arizona?

No. A Personal Loan helps a customer who owns a vehicle that is not paid for. A free and clear title is not required for a Personal Loan.

What is the minimum and maximum Personal Loan amount?

$200to $4,000

Do you need to see my motor vehicle for a Personal Loan?

Only if your registration is expired.

Can I qualify for a Personal Loan in Arizona if I have bad credit?

Your credit history is not an important part of our customer evaluation.

With a Personal Loan, how long does it take to get my money?

In most cases, 30 minutes or less

How are my Personal Loan funds issued?

We give you a Cash Time check drawn from a local bank and offer to cash it for you. For those who apply online, your funds may be deposited directly into your bank account if you so choose.

Do I need an appointment?

No appointment is needed, but you are welcome to schedule an appointment for expedited service. You can also apply online.

Can I get a Personal Loan if I am not currently employed, self-employed or do not receive a regular paycheck?

We may still be able to help you, just call us or stop by any loan center to discuss your options.

What if I become late on my payment?

It is very important to keep in communication with the Cash Time Loan Center that made your loan to discuss ways we can help you.

Can I make my payment after hours?

Yes, you can make your payment using the outside drop box at your Loan Center location. After hours payments will be credited to your account the next business day.

What will happen if I cannot pay my Personal Loan by the end of my contract?

We will work with you, just call us to discuss ways we can help you.

What will my payment schedule be for a Personal Loan?

Your payment schedule can be bi-weekly, semi-monthly, or monthly. We will work with you to determine what works best for your situation.

How long is the loan?

Personal Loans are fully amortized and paid in full in 12 months or less depending on the loan amount and the payment schedule agreed to.

Do I need auto insurance?

No insurance is required.

What is the interest rate?

For questions about interest rates, please contact a Cash Time representative. Or, use the link below for general information.

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%

* ARS § 44-291(G)

Examples of Fully Amortized Loan Terms and Costs:

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