100% Online Application,
Approval and Funding.

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What do I need to qualify for an online loan with Cash Time?

  • Arizona Motor Vehicle Registration in your name (does not need to be current) or an Arizona Certificate of Title
  • Personal Loans & Registration Loans require that your own a vehicle to qualify, however you need not own it free and clear
  • A checking account  or prepaid debit card with online banking enabled (not required for title loans)
  • You must be a current resident of Arizona
  • Government issued identification
  • Minimum 18 years of age
  • Title loans over $5000 require full coverage auto insurance



Online Loans In Arizona

What are 100% Online Loans?
Cash Time’s online loans are title loans, registration loans or personal loans that are 100% internet based. Your application, loan approval and even your funding can be done completely online…absolutely no store visit is required.

Can I use my car for an online title loan if I’m still paying it off?
Yes. As long as you own a vehicle that is registered in your name, you may qualify for our online registration loan or personal loan, you need not own it free and clear. If your vehicle is paid off, then Cash Time’s online auto title loan may be right for you.

How long does a 100% online loan take to complete?
An online loan can be completed quickly. The underwriting of your application only takes a few minutes, and once approved your cash will be transmitted to your bank account. If you’re pressed for time don’t worry. Simply complete your application, tell us when and how you want to complete your loan, and decide how you’d like to receive your money.

Once approved, when do I get my cash from my online loan?
After your online loan is approved, your money will be provided to you based on your preferred funding option. You may choose to pick up your money at one of our Arizona Loan Centers, you can have an electronic check emailed to you, or your funds can be electronically transmitted to your bank account. Depending on what time of day, what kind of loan and what bank you use, your cash can arrive as soon as the same day although in most cases it takes one banking day.

Why Choose Cash Time?

Industry Leadership – Cash Time Loan Centers has been the leader for Arizona title loans and personal loans for over 18 years.

Professional Customer Service – Cash Time is an accredited business with the Arizona Better Business Bureau and boasts an A-Rating. That same professional service is also provided to our online loan customers. To better assist you, our customer service representatives speak Spanish.
On the Spot Approval – 100% online loans can be approved in just a few minutes. We can complete your loan at a time that you choose.

Flexible Repayment Plans – Our online personal loans offer Arizona’s best cash loan rates and flexible payment plans. We will find a loan that works for you.

Convenient Hours and Locations – Cash Time has 24 locations in the Phoenix and Tucson metro areas. Our locations are open 7 days a week for your convenience. Online loans can be completed from anywhere, and your loan will be processed when you choose.

No Repayment Penalty – With 100% online loans from Cash Time Loan Centers, you are never charged a fee for paying off your loan early.

Two Cash Loan Programs – Cash Time Loan Centers offers online personal loans (A.K.A registration loans or signature loans) and auto title loans with flexible repayment options to fit your budget.

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Proudly Offering Arizona Title 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 Title 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.

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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