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What do I need to get an Installment loan from Cash Time?

  • Proof of California Residence
  • An Active Checking Account With Direct Deposit
  • A Valid, Government Issued Identification
  • Minimum 18 Years of Age



Same Day Installment Loans in California

What is an installment loan?
Installment Loans in California are fast loans designed specifically for those who need a fast personal loan but have less than favorable credit. If you are looking for loans for people with bad credit or you need your loan fast, an installment loan from Cash Time is the choice for you.

How long does it take to get an installment loan?
The loan application, approval and funding process for installment loans only takes a few minutes. You can apply, and get approved usually within 30 minutes. Your funds will be sent as soon as you’re approved. Funds from your same day installment loans normally arrive in your account within one business day.

How much money can I get with a California installment loan from Cash Time?
Installment Loans in California can be as little as $2,600 or as large as $5,000 depending on your application and needs.

Why Choose Cash Time?

Industry Leadership – Cash Time Loan Centers has been providing fast, cash loans in the form of auto title loans, installment loans and cash loans for over 20 years.

Professional Customer Service – Cash Time is an accredited business with the Better Business Bureau and boasts an A-Rating.

On the Spot Approval – Your same day installment loan can be completed in about 30 minutes. Funding is sent the same day that your loan is completed. Let us get you the emergency cash loan that you need with the best loans for people with bad credit.

Flexible Repayment Plans – Better California loans, rates and flexible payment plans mean you save money with an installment loan from Cash Time. You may choose from multiple cash loan term options to ensure your payment is perfect for you.

Convenient Hours and Apply Anywhere in California – Cash Time can offer our online loan products throughout all of California. Our underwriters are available 7 days a week for your convenience. Feel free to apply for a same day installment loan anytime or schedule your installment loan with us.

No Prepayment Penalty – When you get a California cash loan or installment loan with Cash Time Loan Centers, you are never charged a fee for paying off your loan early.

Bad Credit Cash Loan Programs – Cash Time Loan Centers offer installment loans (some call them personal loans) in California to fit all of your needs. Apply for your same day installment loan with Cash Time to find your perfect fit, the best loans for people with bad credit in the state!

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Proudly Offering Installment Loans In California to The Following Areas:

Los Angeles, San Diego, San Jose, San Francisco, Fresno, Sacramento, Long Beach, Oakland, Bakersfield, Anaheim, Santa Ana, Riverside, Stockton, Chula Vista, Fremont, Irvine, San Bernardino, Modesto, Oxnard, Fontana, Moreno Valley, Glendale, Huntington Beach, Santa Clarita, Garden Grove, Santa Rosa, Oceanside, Rancho Cucamonga, Ontario, Lancaster, Elk Grove, Palmdale, Corona, Salinas, Pomona, Torrance, Hayward, Escondido, Sunnyvale, Pasadena, Fullerton, Orange, Thousand Oaks, Visalia, Simi Valley, Concord, Roseville, Santa Clara, Vallejo, Victorville, El Monte, Berkeley, Downey, Costa Mesa, Inglewood, Ventura, West Covina, Norwalk, Carlsbad, Fairfield, Richmond, Murrieta, Burbank, Antioch, Daly City, Temecula, Santa Maria, El Cajon, Rialto, San Mateo, Compton, Clovis, Jurupa Valley, South Gate, Vista, Mission Viejo, Vacaville, Carson, Hesperia, Redding, Santa Monica, Westminster, Santa Barbara, Chico, Whittier, Newport Beach, San Leandro, Hawthorne, San Marcos, Citrus Heights, Alhambra, Tracy, Livermore, Buena Park, Lakewood, Merced, Hemet, Chino, Menifee, Lake Forest, Napa, Redwood City, Bellflower, Indio, Tustin, Baldwin Park, Chino Hills, Mountain View, Alameda, Upland, Folsom, San Ramon, Pleasanton, Lynwood, Union City, Apple Valley, Redlands, Turlock, Perris, Manteca, Milpitas, Redondo Beach, Davis, Camarillo, Yuba City, Rancho Cordova, Palo Alto, Yorba Linda, Walnut Creek, South San Francisco, San Clemente, Pittsburg, Laguna Niguel, Pico Rivera, Montebello, Lodi, Madera, Monterey Park, La Habra, Santa Cruz, Encinitas, Tulare, Gardena, National City, Cupertino, Huntington Park, Petaluma, San Rafael, La Mesa, Rocklin, Arcadia, Diamond Bar, Woodland, Fountain Valley, Porterville, Paramount, Hanford, Rosemead, Eastvale, Santee, Highland, Delano, Colton, Novato, Lake Elsinore, Brentwood, Yucaipa, Cathedral City, Watsonville, Placentia, Glendora, Cerritos, Gilroy, West Sacramento, La Mirada, Palm Desert, Rancho Santa Margarita, Aliso Viejo, Poway, Cypress, Covina, Azusa, Dublin, Ceres, San Luis Obispo, Palm Springs, San Jacinto, Lincoln, El Centro, Newark, Lompoc, Bell Gardens, Danville, Rancho Palos Verdes, San Bruno, Rohnert Park, Coachella, La Puente, San Gabriel, Campbell, Brea, Culver City, Calexico, Stanton, Morgan Hill, LaQuinta, Pacifica, Beaumont, Montclair, Monrovia, Los Banos, Martinez, Temple City, Bell, Oakley, Manhattan Beach, Hollister, Claremont, San Juan Capistrano, Moorpark, West Hollywood, Beverly Hills, San Dimas, Dana Point, Pleasant Hill, Seaside, Lawndale, Wildomar, Menlo Park, Adelanto, La Verne, Foster City, Laguna Hills, Saratoga, Goleta, Paso Robles, Banning, Los Gatos, Santa Paula, Walnut, San Pablo, Los Altos, Burlingame, San Carlos, Atascadero, Atwater, East Palo Alto, Suisun City, Monterey, Ridgecrest, Maywood, Eureka, Norco, Benicia, Windsor, Imperial Beach, Paradise, Desert Hot Springs, Belmont, Soledad, South Pasadena, Wasco, Lemon Grove, Twentynine Palms, Brawley, Corcoran, Coronado, Lemoore, Sanger, Reedley, Seal Beach, Hercules, Lafayette, Cudahy, Galt, San Fernando, El Cerrito, Loma Linda, Selma, Calabasas, Laguna Beach, Riverbank, Barstow, Port Hueneme, Millbrae, Dinuba, South Lake Tahoe, Duarte, Blythe, Yucca Valley, Oakdale, Patterson, Agoura Hills, Lomita, La Cañada Flintridge, South El Monte, Marina, Hermosa Beach, American Canyon, Arvin, Chowchilla, Albany, Pinole, Dixon, Lathrop, Susanville, Orinda, Arroyo Grande, Arcata, Rancho Mirage, Shafter, El Segundo, Artesia, Greenfield, Santa Fe Springs, Laguna Woods, Truckee, Ukiah, Moraga, La Palma, Oroville, Avenal, Clearlake, Pacific Grove, Fillmore, Imperial, Parlier, Tehachapi, Ripon, Hawaiian Gardens, California City, Red Bluff, Mill Valley, Kerman, Palos Verdes Estates, Coalinga, Auburn, Grover Beach, San Marino, Livingston, Carpinteria, King City, Solana Beach, Grass Valley, Commerce, McFarland, Malibu, San Anselmo, Marysville, Grand Terrace, Fortuna, Larkspur, Lindsay, Scotts Valley, Los Alamitos, Kingsburg, Half Moon Bay, Healdsburg, Signal Hill, Mendota, Sierra Madre, Clayton, Hillsborough, Piedmont, Sonoma, Farmersville, Canyon Lake, Placerville, Exeter, Morro Bay, Newman, Shasta Lake, Emeryville, Anderson, Capitola, Taft, Corte Madera, Orange Cove, Tiburon, Cloverdale, Waterford, Live Oak, Westlake Village, Mammoth Lakes, Gonzales, Rolling Hills Estates, Los Altos Hills, Ione, Calimesa, Yreka, Calipatria, Corning, Pismo Beach, Crescent City, Firebaugh, Ojai, Fairfax, Sebastopol, Rio Vista, Orland, Woodlake, Fort Bragg, Cotati, Escalon, Guadalupe, Sausalito, Atherton, Huron, Hughson, Winters, Gridley, Loomis, Willows, Colusa, Holtville, St. Helena, Villa Park, Fowler, Gustine, La Habra Heights, Woodside, Solvang, Calistoga, Williams, Big Bear Lake, Indian Wells, Dos Palos, Sonora, Willits, Needles, Buellton, Lakeport, Jackson, Portola Valley, Brisbane, Del Mar, San Joaquin, Bishop, Angels Camp, Avalon, Carmel-by-the-Sea, Wheatland, Mount Shasta, Rio Dell, Monte Sereno, Nevada City, Weed, Yountville, Alturas, Sutter Creek, Ross, Westmorland, Portola, Belvedere, Colfax, San Juan Bautista, Rolling Hills, Hidden Hills, Colma, Biggs, Dunsmuir, Del Rey Oaks, Montague, Irwindale, Ferndale, Blue Lake, Maricopa, Bradbury, Tulelake, Plymouth, Dorris, Fort Jones, Isleton, Loyalton, Etna, Point Arena, Tehama, Trinidad, Sand City, Industry, Amador City, Vernon and all of California.

Collections Practices
For your convenience, during regular business hours we accept payments by phone, or you may mail us a check, in the event an automated payment was unable to be processed. Payments made by mail will not be applied until received and processed. We normally process electronic payments (ACH) from your checking account.

Failure to make your regularly scheduled payments may result in further collection efforts. We may contact you by telephone, email or regular mail regarding your account. Your account being in a collections status can affect your ability to receive future financing from Cash Time. If you fail to make a payment within 10 days of a due date, you will be charged a late fee of $10.

Potential impact to users credit score
We do not report customer account histories to any credit bureau. However, when customers apply for loans in both California and 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. Your loan renewal will be structured as a Fully Amortized Loan with principal reductions. There are no fees for a loan renewal.

Installment Loan FAQs

What is an Installment Loan?

Installment Loans are fast, easy short term cash loan for those with bad credit.

What is the minimum and maximum Installment Loan amount?

$2600 to $5,000

Can I qualify for an Installment Loan in California if I have bad credit?

Your credit history is not an important part of our customer evaluation.

With an installment Loan, how long does it take to get my money?

Your funds are sent electronically to your bank account as soon as your loan is complete. In most cases, funds are received the next business day.

How are my Installment Loan funds issued?

For those who apply online, your funds may be deposited directly into your bank account if you so choose. Others may have a check mailed if they request that.

Do I need an appointment?

No appointment is needed, however you are welcome to schedule an appointment for expedited service while you apply online. You choose the most convenient time to chat with one of our underwriters to complete your loan.

Can I get a Installment 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 or apply online to discuss your options.

What if I become late on my payment?

It is very important to keep in communication with the Cash Time Loan Centers to discuss ways we can help you.

Can I make my payment after hours?

Yes, you can make your payment via mail and it will be processed the next business day if it is received after hours.

What will happen if I cannot pay my Installment 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 for a Installment Loan?

Your payment schedule can be bi-weekly, semi-monthly, or monthly. We will work with you to determine what works best for your situation and budget.

How long is the loan?

Installment Loans are fully amortized and typically paid in full in 36 months depending on your loan amount and the payment schedule agreed to. Different terms are available depending on your individual loan needs, amount and qualifications.

What is the interest rate?

For questions about interest rates, please contact a Cash Time representative. Or, use the link below for general information.

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%

**California Maximum Annual Finance Rates:

Loan Type Loan Amount Rate
Installment $2600 132%

* ARS § 44-291(G)
** APR may vary depending on loan amount and term.

Examples of Fully Amortized Loan Terms and Costs:

California Installment Loans:

Loan Amount Interest Rate Loan Term Payment Frequency # of Payments Payment
$2,675 132.00% 36 Months Bi-Weekly 78 $144.07

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