Loan to Buy a Car

Getting approved for a car loan when you have bad credit can be a challenge.  Cash Time is here to help.


How it Works

We work with dealerships and private sellers to facilitate your car purchase via a title loan.  Simply apply now, sign your title loan documents, and we will pay the seller directly to complete the purchase.


Bad Credit is OK

At Cash Time, your credit history is not an improtant part of title loan approval.  Your loan is based on your vehcile value and your application information.  We can work with auto dealerships or private sellers to help you finance your car today.


Apply Online

Cash Time makes buying a car easy.  Just fill out our online credit application and get approved today.

Loan to Buy a Car


Convenience & Flexibility

Cash Time has multiple locations in and around the Phoenix and Tucson metro areas. Feel free to walk in anytime or schedule a visit to complete your car purchase loan with us.

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No Pre-Payment Penalties

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

Loan to Buy a Car Information

Not sure if a loan with Cash Time is right for you?  Don’t worry, we make it simple:

Car Loan Requirements - What You Need
  • Seller with Vehicle’s Clear Arizona Certificate of Title in their Name
  • Title Loans Over $5,000 Require Full Coverage Auto Insurance
  • 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 Title Loan? - How Does it Work?

1) Apply Online – Simply complete the short form on this 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, and select a location to complete your vehicle inspections and sign your documents.  Your seller will walk out with funds to complete the car purchase in just minutes or we can deliver a check to a dealership.

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 bring the vehicle into your location of choice to complete your vehicle inspection or we can work directly with the dealership and sign your loan documents.  Get approved and a check to complete the purchase, in less than 30 minutes.

3)  Apply In-Person – Simply choose the most convenient location for you, walk in and apply.  We can complete your loan on the spot.

Why Choose Cash Time?

Industry Leadership –Cash Time Loan Centers has been providing title loans, registration loans, and personal loans in Arizona for almost 25 years.

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 title 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 an auto title loan from Cash Time Loan Centers, you are never charged a fee for paying off your loan early.


Loan to Buy a Car – Frequently Asked Questions

Everything you need to know about a loan to buy a car in Arizona

What areas are Arizona title loans available?

Cash Time proudly serves the following areas:  PhoenixScottsdaleTucsonMesaTempe, 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.

What is a Title Loan?

A Title Loan is a fast, easy, short term cash loan secured by your vehicle.

Do you need to see my vehicle to refinance my title loan?

Yes. In order to receive an Arizona Title Loan, a vehicle inspection is required. That can be done at any of our loan centers or we can work directly with your dealership to complete the inspection and deliver a check.

Are there any year or mileage limits for Cash Time's Loans?

No. There are no year or mileage limits.
Your loan amount is based on your vehicle’s value, your current loan amount, and your application information.

How much money can I get with a title loan?

Arizona title loans range from $200 – $100,000 depending on your vehicle’s value, your applications and how much you need.

What if I have bad credit, can I still get a title loan from Cash Time?

Yes, bad credit or no credit is OK. Your credit history is not an important part of our customer evaluation. If approved, we report to the major credit bureaus when you make payments, which can improve your credit score.

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%