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Part of the Allied Cash Advance chain · locations
Allied Cash Advance in Sierra Vista, AZ
Sierra Vista, AZ's Allied Cash Advance location at 439 AZ-90 Suite D offers payday and title loans with quick approval.
Data compiled from public sources · Rating from CreditDoc methodology
Allied Cash Advance Review
The Allied Cash Advance location in Sierra Vista, AZ is situated at 439 AZ-90 Suite D, operating as a standalone storefront convenient to residents across the region. The branch maintains consistent business hours to serve the Sierra Vista community: Monday through Friday from 10 AM to 6 PM, Saturdays from 10 AM to 2 PM, and closed on Sundays.
This Sierra Vista location specializes in short-term lending solutions including payday loans and title loans. Applicants can contact the branch directly at +1 520-439-9171 to discuss their borrowing needs, learn about application requirements, or get answers about loan terms and funding timelines.
For Sierra Vista residents facing unexpected expenses or short-term cash needs, this Allied Cash Advance branch offers a local alternative to online lenders. Bring a valid ID, recent pay stubs, and proof of a checking account to expedite your application. The branch provides fast decisions and same-day funding to qualified borrowers in the Sierra Vista area.
Services & Features
Documentation upload services
In-store customer service and loan counseling
In-store loan applications
Installment loans (unsecured personal loans with fixed repayment schedules)
Loan refinancing for existing customers
Loan reload/reloans for existing customers
Netspend Prepaid Mastercard accounts
Online loan applications
Online loan decision and eSignature process
Payday loans and cash advances for emergency expenses
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 with debit card; next business day for online applications
- Accepts applicants with bad credit or no credit history; considers cases that traditional banks reject
- Minimal documentation requirements: photo ID, proof of income, active checking account, and phone number
- Multiple application channels: online, in-store, or phone (where available)
- High customer satisfaction: 4.9 out of 5 Google rating with 379 reviews praising staff professionalism
- Flexible products: installment loans, prepaid cards, and refinance options for existing customers
- Quick in-store application process (minutes to decision) with funding possible within 30 minutes using debit card
Cons
- APR, interest rates, and fee structure not disclosed on website; customers cannot comparison shop before applying
- Non-traditional lender typical of the emergency cash market, likely with significantly higher costs than bank loans
- Requires active checking account open for minimum 30 days; excludes unbanked or recently banked consumers
- Arizona location requires proof of vehicle ownership; may limit applicants without vehicles
- Website currently down for system maintenance per homepage notice, suggesting potential service reliability issues
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 439 AZ-90 Suite D, Sierra Vista, AZ 85635.
Quick Facts
- Headquarters
- 439 AZ-90 Suite D, Sierra Vista, AZ 85635
- 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 individuals with bad or no credit who need emergency funds quickly and have an active checking account, prioritizing speed of access over cost. The primary caveat is that rates and fees are not disclosed upfront on their website, and as a non-traditional emergency lender, the true cost of borrowing will likely be substantially higher than traditional bank products; applicants should request full terms before committing.
Best For
- Consumers with bad credit or no credit history who need emergency cash quickly
- Employed individuals with active checking accounts facing unexpected expenses
- Existing customers seeking to refinance or reload current installment loans
- Borrowers prioritizing speed of funding over cost optimization
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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