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CASH 1 Loans in Mesa, AZ
CASH 1 Loans Mesa, Arizona — CASH 1 Loans offers title loans up to $50,000 and personal loans ($50-$1,000) with same-day funding and approval in as fast...
Data compiled from public sources · Rating from CreditDoc methodology
CASH 1 Loans Review
CASH 1 Loans operates a chain of physical lending locations across Nevada, including the Las Vegas N. Nellis Blvd location profiled here. The company has been in operation since at least the mid-1990s and maintains multiple storefront locations to serve customers seeking quick access to cash. They position themselves as a convenient alternative to traditional banking for those needing fast funding.
The company offers two primary loan products: personal loans ranging from $50 to $1,000 for general cash needs, and title loans up to $50,000 that use a vehicle's clear title as collateral. Both products advertise rapid approval and same-day funding. CASH 1 claims "all credit welcome" and markets heavily on speed (approval in as fast as 15 minutes) and accessibility. They provide multiple application methods: online, by phone at (888) 858-9333, or in-person at their physical locations.
Key distinguishing factors include their physical storefront network (at least 4 Las Vegas locations listed), extended operating hours (8am-9pm weekdays, 11am-5pm Sunday), and emphasis on collateral-based lending through title loans. The company operates in Nevada, suggesting they are subject to state-specific lending regulations. Their messaging focuses on convenience, speed, and accessibility to credit regardless of borrower credit history.
As a title and emergency cash lender, CASH 1 Loans serves consumers in immediate financial need but operates in a high-cost lending category with minimal transparency regarding APRs or terms on their marketing materials. The absence of rate disclosure on the website is notable and suggests rates may be significantly higher than traditional lenders. Title loans carry inherent risk of vehicle repossession if payments are missed.
Services & Features
Additional cash advances (marketed as "Get 3 Times More Cash")
Extended storefront hours (8am-9pm weekdays)
In-person applications at physical store locations
Loan management via mobile app
Online loan applications
Payment processing through mobile app
Personal loans ($50-$1,000) with same-day funding
Phone-based applications at (888) 858-9333
Title loans up to $50,000 using vehicle collateral
Weekend service (Saturday 8am-9pm, Sunday 11am-5pm)
Feature Checklist
Mobile App
Online Portal
Score Tracking
Credit Education
Personal Advisor
Identity Theft Protection
Pros & Cons
Pros
- Same-day cash funding with approval claimed as fast as 15 minutes
- High borrowing limits for title loans (up to $50,000) using vehicle collateral
- Multiple application methods: online, phone, or in-person at physical locations
- Extended hours including weekday evenings (8am-9pm) and weekend service
- Multiple Nevada locations for convenience (at least 4 Las Vegas-area stores listed)
- No credit score impact for applying online
- States "all credit welcome" with stated income verification as primary requirement
Cons
- No APR, interest rates, or fee information disclosed on website, making true cost comparison impossible
- Title loans require vehicle collateral, creating repossession risk for borrowers
- Personal loan maximum of $1,000 is modest for many emergency situations
- High-cost lending category typically associated with triple-digit APRs
- Limited transparency on loan terms, repayment schedules, and total cost of borrowing
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 CASH 1 Loans legitimate?
Yes. CASH 1 Loans is a registered company, headquartered in 4355 E University Dr #111, Mesa, AZ 85205.
Quick Facts
- Headquarters
- 4355 E University Dr #111, Mesa, AZ 85205
- BBB Accredited
- No
- Starting Price
- Contact provider
- Setup Fee
- None
- Money-Back Guarantee
- No
CreditDoc Diagnosis
Doctor's Verdict on CASH 1 Loans
CASH 1 Loans is best suited for Nevada residents with vehicles who need $5,000-$50,000 in emergency cash within hours and have poor or no credit access through traditional lenders. Critical caveat: the complete absence of rate, fee, and APR disclosure makes this a high-risk category; borrowers must contact the company directly for pricing and should exhaust lower-cost alternatives before pursuing title loans that risk vehicle repossession.
Best For
- Vehicle owners with clear titles needing larger emergency loans ($5,000-$50,000) who can accept collateral risk
- Borrowers with poor or no credit history who need fast approval and same-day funding
- Consumers in Las Vegas/Nevada area seeking in-person lending with extended hours
- Short-term cash needs where speed of funding is prioritized over loan cost
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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