Save Money, Refinance Your Existing
Loan With Cash Time.

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What do I need to refinance my title loan with Cash Time?

  • An Existing Loan With Another Lender
  • An Arizona Certificate of Title or a Registration in Your Name
  • Personal Loans & Registration Loans Require That You Own a Vehicle to Qualify, But You Need Not Own it Free and Clear
  • Loans Over $5,000 Require Full Coverage Auto Insurance
  • Government Issued Identification
  • Minimum 18 years of age



Refinance Your Loan With Our Loan Transfers

What is a title loan transfer?
A title loan transfer is a refinance of your current loan, designed to save you money. Refinance your AZ loans to get a better rate, and flexible payments.

Can I still drive my car with a title loan refinance from Cash Time?
Yes, you can still drive your car during refinancing.

What if I have a registration loan or personal loan from someone else, can Cash Time still buy out and refinance?
Yes. If you own your vehicle, but do not own if free and clear, Cash Time can still help. Complete the form on this page to find out what Cash Time Loan Centers can do to help refinance your loan.

Why Choose Cash Time?

Industry Leadership – Cash Time Loan Centers has been providing auto title loans in Arizona for over 20 years.

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

On the Spot Approval – Title Loan refinancing can be completed in about 30 minutes. Let us buy out your existing Arizona cash loan.

Flexible Repayment Plans – Better AZ loans, rates and flexible payment plans means you save money when transferring your title loan to Cash Time. You may choose from multiple cash loan options to ensure your payment is perfect for you.

Convenient Hours and Locations – Want to refinance your loan? Cash Time has 24 locations in and around the Phoenix and Tucson metro areas. All of our locations are open 7 days a week for your convenience. Feel free to walk in anytime or schedule a visit to refinance your auto title loan or other AZ loans with us.

No Repayment Penalty – When you transfer your auto title loan to Cash Time Loan Centers, you are never charged a fee for paying off your loan early.

Two Cash Loan Programs – Cash Time Loan Centers offer personal loans (some call them registration loans or signature loans) and auto title loans to fit all of your needs. Refinance your loan with Cash Time to find your perfect fit.

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Proudly Offering Title Loan Transfers and Personal Loan Transfers 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 Arizona Cash Loans are 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.

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%


* ARS § 44-291(G)

Examples of Fully Amortized Loan Terms and Costs

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