Proudly Offering Arizona Title 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.
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.
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.
Title Loan FAQs
What is a Title Loan?
A Title 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.
Do I need an Arizona Certificate of Title for an Auto Title Loan?
Yes, all Arizona lenders will require an Arizona title. Converting an out of state title to an Arizona title is easy to do and we can assist you with that.
Do I need auto insurance to get a Title Loan in Arizona?
No insurance coverage is required unless your loan amount is over $5,000.
Do you need to see my motor vehicle for a Title Loan in AZ?
Yes. In order to receive an Arizona Title Loan, a vehicle inspection is required
Does my vehicle registration need to be current?
Are there any year or mileage limits on my motor vehicle for Auto Title Loans?
No. There are no year or mileage limits.
Does my vehicle need to be paid for?
No. No, while it is easier to qualify for the amount you are requesting on an Auto Title Loan when your motor vehicle is paid for, sometimes we can pay off your existing loan and issue you a new loan or we can offer you a Personal Loan.
Do I get to keep and drive my motor vehicle with a Title Loan in AZ?
Yes, our title loans allow you to keep driving your vehicle.
What is the minimum and maximum Auto Title Loan amount?
Can I get a Title Loan in Arizona with bad credit?
Your credit history is not an important part of our customer evaluation.
How long does it take to get my money from a Title Loan in Arizona?
In most cases, 30 minutes or less. Funds sent directly to your bank account take about 1 business day.
How are my title loan funds issued?
We give you a Cash Time check drawn from a local bank and offer to cash it for you. Online applicants may choose to have funds deposited directly into their bank account as well.
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 qualify for a Title 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 to discuss your options.
What if I become late on my Title Loan 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 title loan payment after hours?
Yes. You can make your payment in the outside drop box at your Loan Center location. After hours payments will be credited to your account the next business day.
What type of payment can be made in a drop box?
No Cash. Only personal check, cashier’s check, or money order.
What if I am not able to pay off my auto title 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 Title Loan payment schedule be?
Your payment schedule can be bi-weekly, semi-monthly, or monthly. We will work with you to determine the best fit for you at the time of your loan application.
How long does an Arizona Title Loan last?
The length of the loan depends on your payment schedule. We work with you to determine the best loan terms for your situation.
What is the interest rate on a Title Loan?
For questions about interest rates, please contact a Cash Time representative. They can vary based on you application, and loan details.
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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