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Part of the Allied Cash Advance chain · locations
Allied Cash Advance in Chandler, AZ
Chandler, AZ's Allied Cash Advance storefront at 1820 E Ray Rd offers emergency payday and title loans with convenient hours.
Data compiled from public sources · Rating from CreditDoc methodology
Allied Cash Advance Review
Allied Cash Advance operates a standalone storefront at 1820 E Ray Rd Suite A209 C in east Chandler, AZ, easily accessible from the Ray Road corridor. The location is open Monday through Friday from 10 AM to 6 PM, with Saturday hours from 10 AM to 2 PM, and closed on Sundays. The Chandler store provides a straightforward environment for residents to apply for and receive fast cash advances without appointment scheduling.
This Chandler location specializes in payday advances, title loans, and lines of credit—financial tools designed for individuals facing short-term cash needs. The staff can discuss loan terms, required documentation, and approval processes directly over the phone at +1 602-641-2370, or visitors can stop by in person during operating hours. Whether you need funds before the next paycheck or want to explore collateral-based lending options, the team is available to walk you through each step.
For Chandler residents considering a visit, bring a valid government-issued ID, recent pay stubs or income verification, and banking information to expedite the application process. Allied Cash Advance focuses on fast approvals and minimal paperwork—a practical choice when you need same-day or next-day funding.
Services & Features
In-store customer service for loan questions and support
In-store loan application with same-day or 30-minute funding options
Loan underwriting and credit decision process
Netspend Prepaid Mastercard reloadable card accounts
Online documentation upload for applications
Online loan application with next-business-day funding
Phone-based loan applications (where available)
Retail reload options for current loan customers
Retail remote refinancing for existing customers
Unsecured installment loans for major purchases, bill consolidation, and unexpected expenses
Feature Checklist
Mobile App
Online Portal
Score Tracking
Credit Education
Personal Advisor
Identity Theft Protection
Pros & Cons
Pros
- Same-day funding available (30 minutes with debit card) for in-store applications, next business day for online
- High Google rating (4.9/5 stars, 377 reviews) with consistent praise for staff professionalism and service quality
- Extended retail hours (weekdays 10am-6pm, Saturday 10am-2pm) accommodating working customers
- Will consider applicants with bad credit or no credit history during underwriting review
- Multiple application channels: in-store, online, and phone options provide flexibility
- Clear, transparent loan process with written terms provided before acceptance
- Additional services include Netspend Prepaid Mastercard and refinancing/reload options for existing customers
Cons
- No APR or fee information disclosed on website; typical high-cost lending rates apply
- Requires active checking account for minimum 30 days, excluding unbanked or recently-banked customers
- Arizona-specific vehicle ownership requirement adds burden for state residents
- Company website was under maintenance during data collection, limiting transparency
- Installment loans carry interest and fees that may exceed cost of traditional bank personal loans
Rating Breakdown
Value 2.0
Effectiveness 1.5
Customer Service 2.2
Transparency 2.0
Ease of Use 3.9
Compare the Best Personal Loan Options
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Frequently Asked Questions
Is Allied Cash Advance legitimate?
Yes. Allied Cash Advance is a registered company, headquartered in 1820 E Ray Rd Suite A209 C, Chandler, AZ 85225.
Quick Facts
- Headquarters
- 1820 E Ray Rd Suite A209 C, Chandler, AZ 85225
- 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 suited for banked consumers with poor or no credit who need emergency funds within 24 hours and can meet strict documentation requirements. The main caveat is that installment loans from this lender carry higher interest rates and fees than traditional bank loans, so borrowers should only use this option when the speed of funding justifies the cost.
Best For
- Consumers with poor or no credit history needing emergency funds quickly
- Banked individuals facing unexpected expenses who need funding within 24 hours
- Arizona residents who can provide vehicle ownership documentation
- Existing customers seeking to refinance or reload current loans
Updated 2026-04-29
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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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