Key Takeaways:
- Cash Time offers flexible loan options, including Title Loans, Personal Loans, Registration Loans, and Title Loan buyouts, allowing people to access quick cash using their vehicles as collateral.
- Title Loans provide fast funding for people who own their vehicle outright, while Registration Loans offer a financing solution for those still making car payments.
- Title Loan buyouts (refinancing) help people reduce high interest rates and lower monthly payments by transferring their existing loan to Cash Time.
- Applying for a loan is simple and can be done online, in-store, or over the phone, with flexible repayment options and no prepayment penalties.
When you need quick cash, your vehicle can be more than just transportation,it can also be a financial lifeline. At Cash Time, we offer various types of loans that let you borrow against your car, truck, SUVs, motorcycle, RV, ATV, or even a commercial vehicle, whether you own it outright, are still making payments, or want better terms on a loan that you already have with another lender.
This guide will break down our flexible loan options, including Title Loans, Personal Loans, Registration Loans, and Title Loan buyouts (refinancing). You’ll learn how each one works, who they’re best for, and how Cash Time’s affordable repayment options can help you pay off your loan with ease.
Title Loans Explained
What is a Title Loan?
A Title Loan is a secured loan that lets you borrow money using your vehicle’s title as collateral. This type of loan is available for cars, trucks, SUVs, motorcycles, RVs, ATVs, and semi-trucks, giving you access to fast cash without selling your vehicle.
Who is a Title Loan best for?
- People who own their vehicle outright and need quick financial assistance.
- Those looking for a simple and quick approval process with minimal requirements and the maximum amount of cash.
Key benefits of a Title Loan
- Fully amortized payments: You pay down interest and principal with each payment.
- Flexible payment options: Pay off your loan early with no prepayment penalties.
- Convenient application process: Apply online, in person, or get your loan started over the phone.
- Loan amounts up to $100,000: Borrow what you need based on your vehicle’s value.
Wondering what is needed for a Title Loan? Just bring your vehicle, registration and title (if you have it), and a photo ID to get started. Can you get a Title Loan online? With Cash Time, you can get started online, making the process even easier.
Personal Loans and Registration Loans Explained
What is a Personal Loan or Registration Loan?
Unlike Title Loans, a Personal Loan, also referred to as a Registration Loan, allows people to qualify for a loan even if they are still making payments on their vehicle.
Who is a Registration Loan best for?
- Arizona residents who still have an auto loan but need extra cash.
- Those looking for an alternative to an unsecured loan.
Key benefits of a Registration Loan
- No prepayment penalties: Pay off the loan early without additional fees.
- Manageable monthly payments: Our flexible terms make repayment easier.
- Fast approval process: Apply online or in-store and get approved quickly.
Exactly how do Registration Loans work? It’s simple: Cash Time reviews your financial details and provides a loan amount based on your eligibility.
Title Loan Buyouts Explained
What is a Title Loan buyout?
Also known as Title Loan refinancing, a buyout allows you to transfer an existing Title Loan from another lender to Cash Time. If you’re struggling with high interest rates or high monthly payments, refinancing with us can help you get a better deal and save money.
Who is a Title Loan buyout best for?
- Customers paying high interest on a Title Loan from another lender.
- Those looking for a lower interest rate and lower monthly payments while keeping their vehicle.
Key benefits of a Title Loan buyout
- Lower payments: Reduce your monthly costs with competitive rates.
- Flexible repayment options: Pick a plan that fits your budget.
- No prepayment penalties: Pay off early and save on interest.
Exploring loan refinancing options like Title Loan buyouts can be a smart move if your current loan terms aren’t working for you. At Cash Time, we make it simple to switch and save.
How to Apply for Various Types of Loans with Cash Time
At Cash Time, there are three simple ways to apply for these types of loans:
1. Online. This is a fast and convenient application with quick approvals.
2. In-Store. Visit a Cash Time location for friendly, in-person assistance.
3. Over the Phone. Apply from the comfort of your home with expert support.
To qualify for a loan, you’ll need:
- Your vehicle.
- Vehicle registration or title if you have it.
- A valid photo ID..
- For Personal Loans or Registration Loans only: a checking account, debit card, or pre-paid debit card.
We also offer Personal Loan flexible payment options to help you stay on track with affordable monthly payments that fit your budget.
Get the Cash You Need Today
At Cash Time, we’re committed to helping people get the financial support they need, quickly and easily. Whether you need a Title Loan, a Personal Loan, a Registration Loan, or better terms on an existing Title Loan, we offer some of the lowest interest rates in the industry and a hassle-free application process.
Ready to get started? Apply online here, call us at 602-512-3000, or find the Arizona store location nearest you.