Have Questions About Title, Personal or Registration Loans in Arizona?
We’ve got your answers.
Loan Payment Questions
Online Payments Are Now Available!
Click here to make a debit card payment online. Payments are applied the next business day.
How can I make payments on my loan?
Payments can be accepted in-store, by phone, online, or by mail.
What forms of payment does Cash Time accept?
For In-store payments, Cash Time accepts Cash, Checks, Money Orders or Debit Cards. Phone payments may be debit cards or ACH (electronic check payments) with the proper, signed authorization. Online payments can only be debit cards. Customers may make payments by mail, they must be checks or money orders and may be mailed to specific locations.
Can I make a payment after hours?
Yes. Some locations have drop boxes where you may make payments after hours. Customer may also pay online using their debit cards any day, any time. All after hours or online payments will be applied the following business day.
What type of payment can be made in a drop box?
No Cash, only personal check, cashier’s check, or money order.
Personal Loan Questions
What is a Personal Loan?
A Personal Loan is a fast easy short term cash loan secured by your vehicle.
Does my vehicle need to be paid for?
No. A Personal Loan helps a customer who owns a vehicle that is not paid for. A free and clear title is not required for a Personal Loan.
What is the minimum and maximum Personal Loan amount?
Personal loan amounts range from a minimum of $200 to to a maximum of $5,000
Do I need a Certificate of Title for a Personal Loan?
You need either your Arizona Registration or Certificate of Title.
What is the difference between a Title Loan and a Personal Loan?
A Personal Loan is technically the same as an Auto Title Loan but we do not place a lien on your title when you get the loan. However, your loan is secured by your Motor Vehicle. If you default on your loan, we may attempt to place a lien on your title.
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.
Does my vehicle registration need to be current?
No. If it is expired we will need to see the vehicle or you will need to renew it.
Are there any year or mileage limits on my motor vehicle?
No. There are no year or mileage limits.
Do you need to see my motor vehicle for a Personal Loan?
Only if your registration is expired.
What if I have bad credit?
Your credit history is not an important part of our customer evaluation.
How long does it take to get my money?
In most cases, 30 minutes or less
How are my loan funds issued?
We give you a Cash Time check drawn from a local bank. Sometimes, we can offer to cash it for you.
What 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 live with someone else?
That is acceptable; just bring recent mail received at your current place of residence with your name on it.
What if I become late on my 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.
What if I am not able to pay off my 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 payment schedule be?
Your payment schedule can be bi-weekly, semi-monthly, or monthly.
How long is the loan?
Personal Loans are fully amortized and paid in full in 12 months or less depending on the loan amount and the payment schedule agreed to.
Do I need auto insurance?
No insurance is required for personal loans.
What is the interest rate?
Title Loan Questions
What is the minimum and maximum Auto Title Loan amount?
Arizona title loans range from $200 to $100,000. Loan amounts depend our your vehicle’s value and your application information.
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 is easy to do and we can assist you with that.
Do you need to see my motor vehicle for an Auto Title Loan?
Yes, title loans will include a vehicle inspection on-site.
Do I get to keep and drive my motor vehicle?
Yes
Do I need auto insurance?
No insurance coverage is required unless your loan amount is over $5,000.
Does my vehicle registration need to be current?
No
Are there any year or mileage limits on my motor vehicle?
No, there are no year or mileage limits
What if I have bad credit?
Your credit history is not an important part of our customer evaluation.
Do you need to see my motor vehicle for a Personal Loan?
Only if your registration is expired.
What if I have bad credit?
Your credit history is not an important part of our customer evaluation.
Does my vehicle need to be paid for?
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.
How long does it take to get my money?
In most cases, 30 minutes or less for in-store loans.
How are my loan funds issued?
We give you a Cash Time check drawn from a local bank.
Do I need an appointment?
No appointment is needed, but you are welcome to schedule an appointment through customer service. You can also apply online.
What 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 live with someone else?
That is acceptable. Just bring recent mail received at your current place of residence with your name on it.
What if I become late on my 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.
What if I am not able to pay off my 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 payment schedule be?
Your payment schedule can be bi-weekly, semi-monthly, or monthly.
How long is the loan?
The length of the loan depends on your payment schedule.
What is the interest rate?
Registration Loan Questions
What is a Registration Loan?
A Registration Loan is a fast easy short term cash loan secured by your vehicle.
Does my vehicle need to be paid for?
No. A Registration Loan helps a customer who owns a vehicle that is not paid for. A free and clear title is not required for a Registration Loan.
What is the minimum and maximum Registration Loan amount?
Registration loan amounts range from a minimum of $200 to to a maximum of $5,000
Do I need a Certificate of Title for a Registration Loan?
You need either your Arizona Registration or Certificate of Title.
What is the difference between a Title Loan and a Registration Loan?
A Registration Loan is technically the same as an Auto Title Loan but we do not place a lien on your title when you get the loan. However, your loan is secured by your Motor Vehicle. If you default on your loan, we may attempt to place a lien on your title.
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.
Does my vehicle registration need to be current?
No. If it is expired we will need to see the vehicle or you will need to renew it.
Are there any year or mileage limits on my motor vehicle?
No. There are no year or mileage limits.
Do you need to see my motor vehicle for a Registration Loan?
Only if your registration is expired.
What if I have bad credit?
Your credit history is not an important part of our customer evaluation.
How long does it take to get my money?
In most cases, 30 minutes or less
How are my loan funds issued?
We give you a Cash Time check drawn from a local bank. Sometimes, we can offer to cash it for you.
What 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 live with someone else?
That is acceptable; just bring recent mail received at your current place of residence with your name on it.
What if I become late on my 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.
What if I am not able to pay off my 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 payment schedule be?
Your payment schedule can be bi-weekly, semi-monthly, or monthly.
How long is the loan?
Registration Loans are fully amortized and paid in full in 12 months or less depending on the loan amount and the payment schedule agreed to.
Do I need auto insurance?
No insurance is required for registration loans.
What is the interest rate?
Online Loan Questions
What is an Online Loan?
An Online Loan is a personal or registration loan done completely online. Application, underwriting and funding are 100% online.
Does my vehicle need to be paid for?
No. A online loans a customer who owns a vehicle that is not paid for. A free and clear title is not required for an online loan.
What is the minimum and maximum online loan amount?
Online loan amounts range from a minimum of $200 to to a maximum of $5,000
Do I need a Certificate of Title for an Online Loan?
You need either your current Arizona Registration or Certificate of Title.
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.
Does my vehicle registration need to be current?
Yes, online loans require a current vehicle registration.
Are there any year or mileage limits on my motor vehicle?
No. There are no year or mileage limits.
Do you need to see my motor vehicle for an Online Loan?
No.
What if I have bad credit?
Your credit history is not an important part of our customer evaluation.
How long does it take to get my money?
Funds are sent directly to your bank account. Average funding times are one business day. You may choose to pick up your funds at any loan center if you need it faster.
How are my loan funds issued?
Funds are sent electronically to your bank account. You may choose to pick up your funds at any loan center.
What 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 live with someone else?
That is acceptable; we will need to see proof of residence such as a utility bill, mail etc.
What if I become late on my 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.
What if I am not able to pay off my 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 payment schedule be?
Your payment schedule can be bi-weekly, semi-monthly, or monthly.
How long is the loan?
Online loans are fully amortized and paid in full in 12 months or less depending on the loan amount and the payment schedule agreed to.
Do I need auto insurance?
No insurance is required for online loans.
What is the interest rate?
Loan Refinancing Questions
What is a Loan Refinance?
Refinancing a loan is transferring your existing title, personal or registration loan from another company. A great way to save money
Does my vehicle need to be paid for?
If you are refinancing a title loan, yes. For Personal or registration loan refinancing, no.
What is the minimum and maximum online loan amount?
Title loan amounts range from $200 to $100,000 depending on your application and vehicle value. Personal or Registration loan amounts range from a minimum of $200 to to a maximum of $5,000
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.
Are there any year or mileage limits on my motor vehicle?
No. There are no year or mileage limits.
What if I have bad credit?
Your credit history is not an important part of our customer evaluation.
How long does it take to get my money?
Once your loan is approved, the normal time to receive your money is 30 minutes.
How are my loan funds issued?
We give you a check drawn from a local bank.
What 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 live with someone else?
That is acceptable; we will need to see proof of residence such as a utility bill, mail etc.
What if I become late on my 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.
What if I am not able to pay off my 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 payment schedule be?
Your payment schedule can be bi-weekly, semi-monthly, or monthly.
How long is the loan?
Our loans fully amortized and paid in full the length of your loan depends on the type of loan you are refinancing, the loan amount and the payment schedule agreed to.
Do I need auto insurance?
Insurance is only required for title loans over $5000