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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

Bad Credit Loan Requirements

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

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Bad Credit Loans Phoenix

Many people are worried that when they need money they won’t be able to get it because they have bad credit. However, this isn’t that case at Phoenix Cash Time locations. You can get bad credit loans quickly and easily.

At Cash Time bad credit loans are not a problem. One of the ways that we do this is by not using your credit or credit score to figure in to your loan structure. What this allows is greater flexibility for you and a higher likelihood you will be approved for a bad credit loan.

Visiting a local Cash Time in Phoenix, completing the form here online, or calling the 24 hour service line should be your first step to securing a bad credit loan. The way Cash Time creates their advances is with 1 of 2 different basic loan types. The first type of bad credit loans Phoenix is offered are personal loans. The personal loan from one of our locations in Phoenix can be as little as $200 and even as large as $4,000! We are one of the leaders in the industry in the Phoenix area because we are able to provide you money even with a bad credit score and a bad credit loan.  With a personal loan, you still need to own your vehicle to qualify, but you do not need to own it free and clear.

Sometimes the bad credit loans Phoenix residents need require greater monetary value. With one of our title loans you can use your RV, car, or other vehicle as collateral for a loan. You must be 18 years old and own the title to the vehicle. If you need more than $5,000 you must also have car insurance.

Many people are looking for bad credit loans Phoenix metro area Cash Time locations can help you out. Call (602) 433-4090 or come into a location in Phoenix today and speak with an associate and within 30 minutes be out the door. There is no appointment required but you are of course welcome to schedule a visit to ensure the time is convenient for you.

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Proudly Offering 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 Personal 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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