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Part of the Allied Cash Advance chain · locations
Allied Cash Advance in Chino Valley, AZ
Chino Valley, AZ's Allied Cash Advance at 1021 AZ-89 Suite #101 offers fast payday and title loans with convenient Mon-Sat hours.
Data compiled from public sources · Rating from CreditDoc methodology
Allied Cash Advance Review
Allied Cash Advance operates from a standalone location at 1021 AZ-89 Suite #101 in Chino Valley, AZ, serving the local community with accessible storefront lending. The location features regular business hours Monday through Friday from 10 AM to 6 PM, with extended Saturday hours (10 AM-2 PM). This Chino Valley storefront is designed for walk-in service with straightforward access from the main highway corridor.
This Chino Valley location specializes in payday loans and title loans tailored to the immediate financial needs of local residents. Staff can discuss loan terms, process applications, and answer questions about required documents—contact the store directly at +1 928-636-1294 to confirm current availability or speak with a lending specialist.
If you're a Chino Valley resident facing an unexpected expense, this Allied Cash Advance location provides a same-day lending option when you bring a valid ID, proof of income, and a bank account. The store operates on a straightforward model: apply, get approved quickly, and access funds without lengthy delays.
Services & Features
Bill consolidation services
Cash advances
Customer service support by phone (1-800-528-1974)
In-store loan applications with same-day funding
Installment loans (unsecured personal loans with fixed repayment schedules)
Netspend Prepaid Mastercard reloadable cards
Online loan applications with next-business-day funding
Personal loan funding for major purchases and unexpected expenses
Phone-based loan applications
Remote documentation upload for loan processing
Retail refinancing and reloaning for existing customers
eSignature loan agreement acceptance
Feature Checklist
Mobile App
Online Portal
Score Tracking
Credit Education
Personal Advisor
Identity Theft Protection
Pros & Cons
Pros
- Funding as fast as 30 minutes with debit card payment, or next business day for online applications
- High customer satisfaction rating of 4.9 stars across 377 Google reviews
- Willing to approve applicants with bad credit or no credit history
- Multiple application channels: in-store, online, and phone where available
- Low documentation requirements: active checking account, ID, income proof, and phone number
- Quick application process stated to take minutes with same-day eSignature capability
- Convenient retail locations with accessible hours including Saturday morning service
Cons
- Website currently down for system maintenance, limiting ability to verify current terms and apply online
- APR, fees, and maximum loan amounts not disclosed on website, making cost comparison impossible
- No information provided about credit impact or credit reporting practices
- Installment loans to subprime borrowers typically carry significantly higher rates than traditional bank loans
- Arizona-specific requirement for vehicle proof of ownership adds barrier for some applicants
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
See which lenders actually approve borrowers with bad credit. We compared APRs, fees, minimum scores, and funding speed.
Frequently Asked Questions
Is Allied Cash Advance legitimate?
Yes. Allied Cash Advance is a registered company, headquartered in 1021 AZ-89 Suite #101, Chino Valley, AZ 86323.
Quick Facts
- Headquarters
- 1021 AZ-89 Suite #101, Chino Valley, AZ 86323
- 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 unbanked and underbanked consumers facing immediate cash needs who cannot access traditional bank loans due to poor or nonexistent credit. The primary caveat is that specific pricing, APRs, and loan terms are not disclosed on the website, and the website was under maintenance at the time of this profile, making current product details unavailable for verification.
Best For
- Consumers with bad credit or no credit history needing quick emergency funds
- Borrowers who need same-day or next-day funding and cannot wait for traditional bank processing
- Unbanked or underbanked individuals seeking accessible lending without credit union membership
- People consolidating bills or covering unexpected major expenses outside traditional lending channels
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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