Personal Loans
Cash Time Loan Centers is an industry leader in helping people across Arizona receive Personal Loans. Personal Loans are fast and easy short term cash loans secured by your motor vehicle. When you have a financial emergency a Personal Loan from Cash Time may be your solution. Get the cash you need on the spot today with one of our easy to qualify for Personal Loans.
Personal Loans can be as little as $100 or as large as $1,500 (average loan amount is $400). The loan approval process for Personal Loans only takes a few minutes. If you own a car or truck that isn’t paid for, a Cash Time Personal Loan may be the right choice for you.
Cash Time is an accredited business with the Better Business Bureau. You can depend on Cash Time for all of your cash loan needs. Obtaining a Personal Loan is fast, easy, and professional. Start your Personal Loan today by filling out the online form on this page.
Personal Loan Requirements
- Arizona Motor Vehicle Registration in your name or Vehicle Identification Number (VIN)
- A Checking Account or Debit Card
- Government Issued Identification
- Minimum 18 years of age
Proudly Offering Cash Loans To 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, and Globe
Collections Practices
Your loan 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. Customers may be contacted by telephone, email or regular mail regarding their 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 a customer applies for a loan 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 it is not automatic and we are not obligated to do so. At your choosing, your loan renewal may be structured as either a Balloon Loan with no principal reductions or a Fully Amortized Loan with principal reductions. There are no fees associated with loan renewals.
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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