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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)
  • In Order to Qualify, Applicants Must Own a Vehicle (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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How to Get Personal Loans for Poor Credit Applicants

If you currently have poor credit or no credit at all, taking out a loan to cover an emergency or even personal bills and expenses you have may seem nearly impossible. However, getting personal loans for poor credit is possible with enough research and by utilizing credible companies with a positive reputation in the banking and loan industry. Understanding how personal loans work can help you to find personal loans for poor credit that will work for you and your current financial situation or troubles.

What is a Personal Loan?

Fast personal loans that can be taken out within minutes regardless of credit are loans that must be paid back in full with interest by a set date. The set date of a loan payback will be determined by the loan company itself before you agree to take the money. Understanding the terms and conditions of all personal and quick loans is essential to avoid late penalties and potential fees. Finding personal loans for poor credit can be done with both online and local resources.  In Arizona, You may qualify for a personal loan if you own a vehicle (it need not be owned free and clear, meaning it is ok if you are still paying for it).

What Can You Use a Personal Loan For?

Taking out a personal loan allows you to cover everything from bills and home expenses to emergencies and even personal investments you are interested in. A personal cash loan allows you to do anything you want with the money, as long as it is paid back in full on time without hassle.

Why Take Out a Personal Loan?

Sometimes, it is impossible to get help from a family member or friend when it comes to dire financial situations. Taking out a personal loan can help alleviate some of the stress that comes along with managing finances in a harsh economy. Personal loans are ideal if you are currently working and capable of paying the loan back on time, regardless of your purpose for taking it out.

Finding a Personal Loan

Finding personal loans for poor credit can be done by checking with local banks and loan offices, although you are less likely to be approved if you have no credit or poor credit to your name. You can also look into finding a personal loan that is right for you online from home. Searching for personal loans you are qualified for online is a way for you to save time traveling to different loan offices individually near you. Looking for a personal loan online allows you to compare interest rates, payback schedules and even the amounts you are able to take out in your name based on qualifications as well as your current credit stance.

Knowing how to find a personal loan when you have poor credit can help to save you when you are in a dire financial crisis. Using online services to find a personal loan for those with poor credit can ultimately save you time while also giving you more opportunities for the money you need.

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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.

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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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