PERSONAL LOANS

Still paying for your vehicle? We can help.
Clear title not required.

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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

Quick Loan Requirements

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

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Get A Quick Personal Loan From Cash Time

If you need money fast, a quick personal loan can be a great solution. These loans — which are available to just about anyone — can help you get the money that you need to pay your bills or take advantage of a great opportunity. Instead of waiting weeks or months for a bank approval, you can be on your way with your money in minutes.

Many people use our loans to solve short-term problems. If your hours got cut at work and you can’t pay one of your bills one week, our loans can get you out of a jam. We will lend you the money that you need to stay current. When your hours get back to normal, you can pay us back. We won’t charge you a prepayment penalty, either.

A quick personal loan isn’t just a tool to solve problems, though. Having ready access to fast cash opens up new possibilities for you. For instance, it lets you borrow money to take advantage of a great deal on a vacation or to get tickets to that can’t-miss concert. We understand that our customers have many reasons that they need money, and we want to help you with the cash you need.

On a personal loan, we can lend you up to $4,000 in just a few minutes. All that we require is that you own your vehicle even if you do not own it free and clear. We don’t require you to carry insurance or even to have your car paid off. If you’d like a bigger quick personal loan, though, we also offer auto title loans up to $100,000 on paid-off vehicles.

You can get started on your loan over the telephone or online. If you’d rather sit down and talk to us, Cash Time Loan Centers has 20 convenient locations throughout the Phoenix and Tucson metro areas. When it comes time to make your payments, we make it easy for you, too. You can pay off your quick personal loan in person, by mail, by phone or online using MoneyGram. With these all convenient options for loans and payments, you can get the money you need when you need it.

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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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