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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

Poor Credit Loan Requirements

  • Arizona Motor Vehicle Registration in Your Name or Vehicle Identification Number (VIN)
  • In Order to Qualify, You Must Own a Vehicle.  You Do Not Need to Own it Free & Clear
  • A Checking Account, Debit Card, or Pre-Paid Debit Card
  • Government Issued Identification
  • Minimum 18 years of age

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Poor Credit Loan

Short-term financing is available for those who need cash fast but have an unfavorable credit history. If you are an Arizona resident and are looking for quick approval on a poor credit loan, Cash Time can help. We offer cash loans up to $4000, secured by your licensed and registered motor vehicle. You can avoid the hassle of applying for a traditional loan at your local bank by visiting one of our conveniently located loan centers in Phoenix or Tucson.

What Makes Us Different

Personal loans can help those who find themselves short on cash when a financial emergency arises. This could be an unexpected medical expense, an appliance breakdown, or a higher-than-average energy bill. You can’t wait for payday and need the money now. Cash Time offers a simple solution to the problem of too little cash on hand.

Our loan process has been streamlined in order to get the needed funds into your hands quickly. Even if you have been turned down by other lenders because of your low credit score, Cash Time can approve you based on the value of your motor vehicle. A poor credit loan can be yours in as little as 30 minutes.

We do not place an emphasis on your credit standing in order for you to qualify for a short-term cash loan. Our company understands that times have been tough and that not everyone has managed to keep up with the ever-increasing cost of living. If you own a vehicle, you can use it as collateral for your loan at Cash Time.

How The Process Works

Simply visit one of our store locations in the Phoenix or Tucson metro areas, or fill out the handy application form online. We will let you know exactly how much you can borrow, what the annual percentage rate will be, and what repayment options are available to you. Best of all, you can be approved in less than an hour, and we will cash your loan check for you. Obtaining the money you need has never been easier.

Your car or truck is the security for your loan. Provided that you own a vehicle, you may qualify.  Even if you don’t own it free and clear.  As long as you make timely payments, your borrowing eligibility will never suffer. Receiving a poor credit loan from CashTime is a far simpler process than going through a brick-and-mortar bank lender.

You can repay your loan by money transfer or by dropping off your payment at one of our store locations. We offer after-hours drop boxes at our stores in case you can’t visit us during normal business operation. For the most convenient method of obtaining the funds you need to take care of that financial emergency, contact us today and let us approve you for a short-term cash loan.

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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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