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Part of the Allied Cash Advance chain · locations
Allied Cash Advance in Thatcher, AZ
Located in Thatcher, AZ, Allied Cash Advance at 2085 US-70 offers fast payday and title loans for emergency cash needs.
Data compiled from public sources · Rating from CreditDoc methodology
Allied Cash Advance Review
Located at 2085 US-70 in Thatcher, AZ, this standalone Allied Cash Advance storefront serves residents seeking quick access to short-term loans. The branch operates Monday through Friday from 10 AM to 6 PM, with Saturday hours from 10 AM to 2 PM, making it convenient for working professionals and others in the Thatcher community.
The Thatcher location specializes in payday loans and title loans, offering flexible borrowing options without lengthy credit checks. For immediate assistance or to discuss your loan options, call the branch directly at +1 928-348-9844 during business hours.
If you're a Thatcher resident facing an unexpected expense or bridging a cash-flow gap until your next paycheck, this location provides same-day approval and funding. Bring a valid ID, proof of income, and an active checking account to expedite your application.
Services & Features
Cash advances
Customer service and loan support
In-store loan applications
Installment loans (unsecured personal loans with fixed repayment schedules)
Loan documentation upload
Netspend Prepaid Mastercard reloadable debit card
Next-business-day funding via bank deposit
Online loan applications
Phone-based applications (where available)
Retail remote refinancing for existing customers
Retail remote reloans for existing customers
Same-day funding via debit card
Feature Checklist
Mobile App
Online Portal
Score Tracking
Credit Education
Personal Advisor
Identity Theft Protection
Pros & Cons
Pros
- Same-day funding available (as fast as 30 minutes) for in-store applicants using debit card
- Next-business-day funding for online applications
- Extended hours including Saturday (10am-2pm) for convenience
- High customer satisfaction ratings (4.9/5 stars, 377 Google reviews)
- Considers applicants with bad or no credit history
- Installment loans with fixed repayment schedules (not balloon payments like payday loans)
- Multiple application channels: online, in-store, and phone (where available)
Cons
- Interest rates and fees not disclosed on website; pricing information requires direct inquiry
- Requires 30-day-old active checking account (excludes those without established bank history)
- Cannot advise on credit score impact, creating uncertainty for applicants
- Limited to specific service areas (website shows Arizona locations only in sample)
- High-cost credit product with embedded interest and fees not transparent upfront
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 2085 US-70, Thatcher, AZ 85552.
Quick Facts
- Headquarters
- 2085 US-70, Thatcher, AZ 85552
- 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 consumers who need emergency cash within 24 hours and have an active checking account, even with poor credit. The primary caveat is that this is a high-cost credit product where exact rates and fees are not disclosed online—customers must apply or call to learn actual costs, and the fast-funding convenience comes at a premium price premium.
Best For
- Consumers needing cash within hours and willing to pay premium rates for speed
- Those with active checking accounts who need small-to-medium short-term loans ($100-$1K typical range)
- Applicants with poor or no credit history unable to qualify for bank loans
- Borrowers preferring fixed installment repayment over payday loan balloon structures
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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