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Part of the Allied Cash Advance chain · locations
Allied Cash Advance in Apache Junction, AZ
Apache Junction, AZ's Allied Cash Advance at 183 W Apache Trail provides fast payday and title loans.
Data compiled from public sources · Rating from CreditDoc methodology
Allied Cash Advance Review
Allied Cash Advance operates at 183 W Apache Trail, Suite 108, in Apache Junction, AZ. This standalone storefront is conveniently located for residents and visitors in the Apache Junction area seeking emergency cash solutions. Operating hours are Monday through Friday from 10 AM to 6 PM, Saturday from 10 AM to 2 PM, and closed Sundays.
At this Apache Junction location, Allied Cash Advance offers payday loans and title loans for customers in immediate need of funds. The professional staff can assist with applications and answer questions about loan terms and requirements. Contact the store directly at (480) 288-2906 for current rates and to discuss your specific borrowing needs.
For Apache Junction residents facing unexpected expenses, this location provides a quick funding alternative when other options aren't immediately available. Bring a valid government-issued ID, proof of income, and an active checking account when applying. Allied Cash Advance is committed to transparent lending practices and straightforward approval processes.
Services & Features
Cash advances
Documentation upload service
In-store customer service and loan counseling
In-store loan applications and approvals
Installment loans (unsecured personal loans with fixed repayment schedules)
Loan refinancing for existing retail customers
Loan reloading/extension for existing customers
Loan underwriting and credit decision process
Netspend Prepaid Mastercard reloadable card services
Online loan applications
Phone-based loan applications (where available)
Same-day and next-business-day funding
Feature Checklist
Mobile App
Online Portal
Score Tracking
Credit Education
Personal Advisor
Identity Theft Protection
Pros & Cons
Pros
- Same-day funding available if applying in-store, as quick as 30 minutes with debit card
- Next-business-day funding for online applications
- Minimal documentation requirements: ID, income proof, active checking account, phone number
- Six-day weekly availability (10 AM–6 PM weekdays, 10 AM–2 PM Saturday)
- Does not automatically deny applicants with bad or no credit; reviews all applications
- High customer satisfaction: 4.9/5 stars across 379 Google reviews
- Multiple application methods: in-store, online, and phone (where available)
- Existing customer refi/reload option available by phone without reapplying
Cons
- No APR, interest rate, or fee information disclosed on website—making cost comparison impossible
- Website currently down for maintenance, limiting access to full product details and online application
- Requires active checking account for 30+ days (excludes unbanked/newly banked consumers)
- Arizona-specific requirement for vehicle proof of ownership adds documentation burden
- As a small-dollar lender, typically carries higher fees and interest rates than traditional banks
Rating Breakdown
Value 2.0
Effectiveness 1.5
Customer Service 2.2
Transparency 2.0
Ease of Use 3.9
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Frequently Asked Questions
Is Allied Cash Advance legitimate?
Yes. Allied Cash Advance is a registered company, headquartered in 183 W Apache Trail #108, Apache Junction, AZ 85120.
Quick Facts
- Headquarters
- 183 W Apache Trail #108, Apache Junction, AZ 85120
- BBB Accredited
- No
- Starting Price
- Contact provider
- Setup Fee
- None
- Money-Back Guarantee
- No
CreditDoc Diagnosis
Doctor's Verdict on Allied Cash Advance
Allied Cash Advance is best for employed borrowers with active checking accounts who need cash within hours and have access to a physical store location. The critical caveat is the complete lack of pricing transparency on their website—APR, fees, and loan terms are not disclosed, making it impossible to assess true cost before applying. Borrowers should call or visit in-person to understand the full cost structure before committing.
Best For
- Consumers needing emergency cash within hours and willing to visit a physical store
- Employed individuals with active checking accounts and valid government ID who need immediate funding
- Existing Allied customers seeking to refinance or reload current loans quickly
- Borrowers with poor credit history who cannot qualify for traditional bank loans
Updated 2026-04-29
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Financial Wellness Guides
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Read guide →Financial Terms Explained (10 terms)
New to credit and lending? Here are the key terms used on this page, explained in plain language with real-number examples.
Interest & Rates
APR — Annual Percentage Rate
The total yearly cost of borrowing money, including the interest rate plus any fees the lender charges. Think of it as the 'true price tag' on a loan.
Why it matters
Lenders must show APR by law (Truth in Lending Act) because the interest rate alone can hide fees. Comparing APR across lenders is the most reliable way to find the cheapest loan.
Example
You borrow $10,000 at 6% interest for 3 years, but there's a $300 origination fee. The interest rate is 6%, but the APR is 6.9% because it includes that fee. You'd pay $304/month and $946 total in interest.
Compound Interest
Interest calculated on both the original amount borrowed AND the interest that's already been added. It's 'interest on interest' — and it makes debt grow faster than you'd expect.
Why it matters
Credit cards and many loans use compound interest. If you only make minimum payments, compound interest is why a $3,000 balance can take 15 years to pay off.
Example
You owe $1,000 at 20% annual interest compounded monthly. After month 1 you owe $1,016.67. Month 2, interest is charged on $1,016.67 (not $1,000), so you owe $1,033.61. After 1 year without payments: $1,219.
MAPR — Military Annual Percentage Rate
A special APR calculation used for military servicemembers that includes ALL costs — fees, insurance, and add-ons — capped at 36% by federal law.
Why it matters
The Military Lending Act protects active-duty servicemembers and their families from predatory lending. Any lender charging above 36% MAPR to military is breaking federal law.
Example
A payday lender charges a $15 fee per $100 borrowed for 2 weeks. For civilians, that's technically legal in some states. For military: that works out to 391% MAPR — illegal under the MLA.
Usury Rate — Usury Rate (Interest Rate Cap)
The maximum interest rate a lender can legally charge in a particular state. Charging above this rate is called 'usury' and is illegal.
Why it matters
Usury laws are your main legal protection against predatory interest rates. But beware: some states have weak or no usury caps, and federal banks can sometimes override state limits.
Example
New York caps interest at 16% for most consumer loans (25% is criminal usury). If a lender tries to charge you 30% in NY, that loan is unenforceable — you could fight it in court.
How Loans Work
Collateral — Loan Collateral
An asset you pledge to the lender as security for a loan. If you stop paying, the lender can seize and sell that asset to recover their money.
Why it matters
Secured loans (with collateral) have lower interest rates because the lender has less risk. But you could lose your home, car, or savings if you default.
Example
A mortgage uses your house as collateral. A car loan uses your vehicle. A title loan uses your car title. If you miss payments, the lender can foreclose or repossess.
Fees & Costs
Late Fee — Late Payment Fee
A charge added to your account when you miss a payment deadline. Most credit cards charge $29-$41 per late payment, and many loans have similar penalties.
Why it matters
The fee itself hurts, but the real damage is to your credit score. A payment 30+ days late stays on your credit report for 7 years and can drop your score 60-110 points.
Example
Your credit card payment of $150 is due March 1. You pay on March 18. The bank charges a $39 late fee. If it's 30+ days late, it gets reported to credit bureaus and your 760 score drops to 670.
NSF Fee — Non-Sufficient Funds Fee
A fee your bank charges when a payment bounces because there isn't enough money in your account. Also called a 'bounced check fee' or 'returned payment fee.'
Why it matters
NSF fees hit you twice — your bank charges you AND the company you were trying to pay may charge their own returned payment fee. That's $50-70 for one missed payment.
Example
Your auto-pay tries to pull $350 for rent, but you only have $280 in checking. Your bank charges $35 NSF fee. Your landlord charges $25 returned payment fee. Total damage: $60 in fees.
Legal Terms
Usury — Usury (Illegal Interest)
The practice of charging interest rates higher than what the law allows. Usury laws set state-specific caps on how much lenders can charge.
Why it matters
If a lender charges usurious rates, the loan may be void, penalties can be reduced, or you may be entitled to damages. Know your state's limits.
Example
Your state caps consumer loans at 24% APR. An online lender charges you 36%. That loan may be unenforceable, and you might only need to repay the principal — no interest or fees.
Credit Cards
Cash Advance — Credit Card Cash Advance
Using your credit card to get cash from an ATM or bank. It's one of the most expensive ways to borrow — higher interest rate, immediate interest accrual (no grace period), and an upfront fee.
Why it matters
Cash advances are a debt trap: 25-30% APR with no grace period plus a 3-5% fee. Interest starts the second you withdraw, not at the end of the billing cycle.
Example
You take a $500 cash advance. Fee: $25 (5%). Interest: 28% APR starting immediately. After 30 days, you owe $536.67. After 6 months of minimum payments, you've paid $85 in interest on $500.
Want to learn more? Read our Financial Wellness Guides for in-depth explanations and practical advice.
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