Part of the Allied Cash Advance chain · locations
Allied Cash Advance logo

Allied Cash Advance in Mesa, AZ

4.9/5
Google rating from 1,170 reviews

Mesa, AZ's Allied Cash Advance at 2706 E University Drive offers fast payday and title loans.

Data compiled from public sources · Google rating shown when a stored review count is available

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Allied Cash Advance Review

At 2706 E University Drive Suite F9 in Mesa, Arizona, you'll find a dedicated Allied Cash Advance location ready to help with your short-term cash needs. This Mesa storefront operates as a standalone payday and title loan provider serving the local community.

This Allied Cash Advance location in Mesa specializes in payday loans and title loans, allowing you to use your vehicle's equity or anticipate your next paycheck. You can reach the Mesa office directly at 480-964-2304 to learn about available loan products and application requirements.

If you're a Mesa, AZ resident facing an unexpected expense or cash shortfall, this storefront offers a straightforward alternative to traditional banks. Bring a valid government-issued ID, recent pay stubs or proof of income, and banking information to complete your application quickly.

Services & Features

Cash advances
In-store documentation upload
In-store loan applications
Netspend Prepaid Mastercard (reloadable debit card alternative)
Next-business-day funding (online applications)
Online loan applications
Phone-based loan applications
Remote refiance services for existing customers
Retail customer refinancing and reloans
Same-day funding (in-store, via debit card)
Store locator service across multiple states
Unsecured installment loans with fixed repayment schedules

Feature Checklist

Mobile App
Online Portal
Score Tracking
Credit Education
Personal Advisor
Identity Theft Protection

Pros & Cons

Pros

  • provider-stated funding timing available for in-store applications (as fast as 30 minutes with debit card)
  • Next-business-day funding for online applications
  • 4.9-star Google rating from 377 customer reviews
  • Extended retail hours (10am-6pm weekdays, including Saturday mornings)
  • Simple application process requiring standard documents (ID, income, active checking account)
  • Unsecured installment loans—no collateral required
  • Remote refinance and reload options available for existing customers without in-store visit
  • Multiple application channels (online, in-store, phone)

Cons

  • No APR, interest rate, or fee information disclosed on website—borrowers cannot assess cost before applying
  • Installment loans typically carry high costs in this market category (36%+ APR common), though not specified here
  • Website was under system maintenance during data collection, suggesting potential platform reliability issues
  • No information on credit score impact, debt-to-income limits, or maximum loan amounts
  • Vehicle ownership proof required in Arizona only—suggests potential title loan or collateral-based underwriting not disclosed

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State Consumer Finance Context

This is state-level context for Emergency Cash consumers in Mesa, AZ. It does not confirm that Allied Cash Advance or this specific location is licensed.

State regulator

Arizona Department of Insurance and Financial Institutions

Consumer protection

Arizona Attorney General Consumer Protection Division

Payday loan rules in Arizona

Status: Not permitted

Rate context: N/A - Banned

Payday lending has been banned in Arizona since July 1, 2010, when the enabling statute (A.R.S. § 34-901 et seq.) expired and was not renewed. This prohibition provides strong consumer protection against high-cost short-term loans. No new payday loan licenses may be issued.

Installment loan rules in Arizona

Status: Permitted

Rate context: 36% APR

Installment loans fall under Arizona's consumer loan regulations and are subject to the 36% APR cap under the Consumer Lenders Act (A.R.S. § 34-312 et seq.). Lenders must be properly licensed and comply with all consumer disclosure requirements under federal Truth in Lending Act (TILA) and Regulation Z.

Key state rules to check

  • Payday lending has been banned since July 2010 when the enabling statute expired.
  • Consumer lenders must be licensed under the Consumer Lenders Act with a 36% APR cap.
  • Title loans are legal but regulated with licensing requirements.

Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.

Frequently Asked Questions

What services does Allied Cash Advance offer?

Allied Cash Advance offers 12 services including Unsecured installment loans with fixed repayment schedules, Cash advances, Online loan applications, In-store loan applications, Phone-based loan applications, and 7 more.

What profile signals are listed for Allied Cash Advance?

Allied Cash Advance has profile signals associated with Consumers in Arizona needing cash within hours and willing to visit a physical location, Borrowers with no credit history or poor credit who are willing to pay high rates for approval certainty, Existing customers seeking to refinance or reload loans without reapplying, Individuals without access to traditional bank loans who need medium-term installment payment structures.

What are the strengths and weaknesses of Allied Cash Advance?

Key strengths: provider-stated funding timing available for in-store applications (as fast as 30 minutes with debit card); Next-business-day funding for online applications; 4.9-star Google rating from 377 customer reviews. Areas to consider: No APR, interest rate, or fee information disclosed on website—borrowers cannot assess cost before applying; Installment loans typically carry high costs in this market category (36%+ APR common), though not specified here.

How does Allied Cash Advance compare to similar companies?

In the Emergency Cash category, comparable providers include Ceasons Holdings - Hard Money Lenders, Home Loans by Paige: Paige Martinez, Mortgage Broker, Neighborhood Title Loans & Cash Services. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.

Quick Facts

Headquarters
Mesa, AZ
BBB Accredited
No
Visit Allied Cash Advance

CreditDoc Profile Note

Research Note on Allied Cash Advance

Allied Cash Advance is profile signals for Arizona consumers (and other states where they operate) who are researching emergency-cash timing and have limited access to traditional personal loans. The main caveat is complete lack of rate transparency—the website discloses zero information about APR, fees, or total loan costs, making it impossible to evaluate affordability before applying. Borrowers should expect this to be a high-cost lending product and should compare rates elsewhere first.

Profile Signals

  • Consumers in Arizona needing cash within hours and willing to visit a physical location
  • Borrowers with no credit history or poor credit who are willing to pay high rates for approval certainty
  • Existing customers seeking to refinance or reload loans without reapplying
  • Individuals without access to traditional bank loans who need medium-term installment payment structures
Updated 2026-04-30

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5.0/5

Google rating from 112 reviews

BBB: NR

Profile signals: Real estate investors requiring fast capital for fix-and-flip or renovation projects with tight timelines, Land developers and commercial real estate projects needing bridge or construction financing

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Home Loans by Paige: Paige Martinez, Mortgage Broker logo

Home Loans by Paige: Paige Martinez, Mortgage Broker

Paige Martinez is a licensed loan originator (NMLS #214634) operating as a mortgage broker in Phoenix, Arizona, offering home purchase, refinance, and cash-out mortgage solutions with personalized support.

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Neighborhood Title Loans & Cash Services logo

Neighborhood Title Loans & Cash Services

Tennessee-based title and payday lender offering same-day cash loans up to $2,500 with promotional rates for new customers.

5.0/5

Google rating from 459 reviews

BBB: NR

Profile signals: Consumers with vehicle titles facing immediate emergency expenses who can repay within 30 days, Payday loan borrowers seeking provider-stated funding timing with checking accounts and stable income

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Quick Summary

  • Allied Cash Advance is listed as a Emergency Cash provider in Mesa, AZ on CreditDoc.
  • Use this page to check contact details, location, listed services, review signals, FAQs, and similar providers before deciding what to do next.
  • If you need a loan, account, installment option, credit help, or debt support, start with the fit quiz and compare alternatives before contacting a provider.
  • For broader context, continue into the free Credit Fundamentals course or a relevant financial wellness guide.

Next Steps

Find contact or location Check phone, address, map, and website availability. Check specific services See whether the provider lists the help you need. Review fit context Use the quiz to compare category, service, and public-rating fields. Compare alternatives Review similar providers before making contact. Improve your position What Is a Good Credit Score and Why Your Tier Matters (2026) Learn the basics Start the free Credit Fundamentals course.

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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 are required to 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 lower-cost 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 high-cost 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 may only be required 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 repeat-borrowing risk: 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.

Affiliate Disclosure: CreditDoc may earn a commission when you click links to Allied Cash Advance and other services. These commissions help us maintain our free research. Compensation does not determine whether a provider can be covered; visible star ratings use stored Google review ratings when available. Learn more.