Bad Credit Loans in Arizona

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


Multiple Ways to Apply

Apply Online, By Phone or In-Store.  Personal loans may be completed at any of our convenient Arizona loan centers, by phone, or 100% online including funding.


Bad Credit is OK

At Cash Time, your credit history is not an important part of personal loan approval.  Our loans are designed specifically for those who have less than perfect credit or no credit history.


No Pre-Payment Penalties

At Cash Time, your will never be charged a fee for paying off your personal loan early.


Convenience & Flexibility

With flexible payment terms & options, 3 ways to apply and 19 Arizona Loan Centers open 7 days a week, Cash Time can offer the fastest, and easiest personal loan experience in Arizona.


No Clear Title Required & You Keep Your Car

With a personal loan from Cash Time, You must own a vehicle, but you need not own if free and clear. It is not a problem if you are still making payments on your vehicle.  

Get Approved Now!

Information on Bad Credit Loans

Bad Credit Loans can make for a difficult and frustrating experience when getting considered by a traditional lender. The approval process for a bad credit loan can cause unnecessary stress that you can avoid with a loan from Cash Time Loan Centers. Let us help reduce some of the stress from your life with one of our easy to qualify for bad credit loans.
One of the ways we’re able to offer bad credit loans is by considering your complete loan application. Your credit history is not an important part of our lending decision. This allows for greater flexibility. It also increases the likelihood of getting approved for a bad credit loan.For Bad Credit Loans, Cash Time offers Personal Loans and Title Loans that are fast and easy short term cash loans. The maximum loan amount is $1,500 for Personal Loans, and $100,000 for Title Loans. Loan approval only takes a few minutes. Both types of loans require that you own a vehicle to qualify, however our personal loans for bad credit do not require that you own your vehicle free and clear. Meaning it is ok if you are still paying for your vehicle.

Requirements for Bad Credit Loans - What You Need to Get a Personal Loan
  • Arizona Motor Vehicle Registration in Your Name or Vehicle Identification Number (VIN) – You Must Own A Vehicle, But It Need Not Be Paid For
  • A Checking Account, Debit Card, or Pre-Paid Debit Card
  • A Valid, Government Issued I.D.
  • You Must Be a Minimum of 18 Years of Age
  • Proof of Income (paystubs, bank statements, online banking access, pension statements etc)
  • Proof of Arizona Residence (rental or lease agreements, utility bills in your name with your current address….)
*Unfortunately, due to changes in the Military Lending Act, we are PROHIBITED from making ANY loans to active service members, reservists, or any dependents thereof.
How Do I Get a Personal Loan? - How Does it Work?

1) Apply Online – Simply complete the short form at the bottom of the page.  You will then be able to complete your entire application online.  Once your application is finished, you can connect with our underwriters to review your info.  You may choose to complete your personal loan 100% online, or finish in-store.  Funds may be sent directly to your bank account, or you may choose to receive your money in-store.

2)  Apply By Phone – Call our customer service line, or any location.  Our underwriters will assist you in completing your application.  Once finished, you simply choose how you would like to complete your loan.  Online from the comfort of your home, or at any of our Arizona loan centers. Get your money on the spot, in less than 30 minutes at any location, or have the funds sent directly to your bank account.

3)  Apply In-Person – Simply choose the most convenient location for you, walk in and apply or schedule an appointment for the day and time range that works for you.  Underwriting, approval and funding are normally completed in about 30 minutes.  

Why Choose Cash Time?

Industry Leadership –Cash Time Loan Centers has been providing personal loans in Arizona for almost 25 years.  We are the pioneers of personal loans in Arizona

Professional Customer Service – Cash Time is an accredited business with the Arizona Better Business Bureau and boasts an A-Rating.  We have a Google satisfactin rating of 94% with over 5000 5-Star reviews!

On the Spot Approval – Loan approval takes less than 30 minutes, and we will give you a check before you leave.

Flexible Repayment Plans – Get Arizona’s best personal loan rates and flexible payment plans. You may choose from multiple payment schedules to ensure your payment works for your needs.

Convenient Hours and Locations – Get your AZ Title Loan at any of Cash Time’s 19 locations in and around the Phoenix and Tucson metro areas. All of our locations are open 7 days a week for your convenience. If you are looking for loans for bad credit in AZ, feel free to walk in anytime or schedule a visit for the fastest title loans in Arizona.

No Repayment Penalty – With a personal loan from Cash Time Loan Centers, you are never charged a fee for paying off your loan early.


What Do Our Customers Say About Us?

Thousands of 5 star reviews can’t be wrong!

  • Google My Business – Satisfaction Rating 95% 95%
  • Trustpilot – Satisfaction rating 92% 92%