No stored Google rating available.
Arizona-based title and registration loan lender offering same-day funding up to $100,000 with approval in as fast as 15 minutes for borrowers of all credit types.
Data compiled from public sources
Cash Time Loan Centers is an Arizona-based direct lender specializing in vehicle-collateral loans and emergency cash financing. The company operates physical locations throughout Arizona while also offering 100% online loan applications, serving borrowers who need fast access to capital and may have limited credit options elsewhere.
The company offers six primary loan products: Title Loans ($100–$100,000), Personal Loans ($100–$2,500), Registration Loans ($100–$2,500), 100% Online Loans ($100–$100,000), Title Loan Buyouts/Refinancing, and Loan-to-Buy-a-Car products (up to $20,000). All products feature advertised approval timelines of 15 minutes or less, with instant funding to bank accounts or in-store check pickup available. The company explicitly welcomes borrowers with bad credit and states credit type is "no problem" for qualification.
Cash Time distinguishes itself through multiple application channels (phone, online, or in-person), rapid approval and funding speed, and the flexibility of title-based collateral lending for borrowers who own vehicles. Their marketing emphasizes lower interest rates, lower payments, and faster payoff terms compared to competing title loan providers. The company maintains a 4.9-star rating across 11,761 customer reviews, with 10,155 five-star reviews claimed on their website.
As a title and registration loan lender, Cash Time serves a high-risk lending segment. While fast funding and accessibility for bad-credit borrowers are genuine advantages, title loans typically carry significantly higher interest rates and fees than traditional personal loans, and borrowers risk vehicle repossession if unable to repay. The company's marketing claims of "lower rates" and "faster payoff" should be evaluated against actual loan terms, APR disclosures, and comparison shopping with alternative lenders.
Review lender profiles, APR ranges, fees, minimum-score fields, and funding-speed notes before deciding what to do next.
This is state-level context for Emergency Cash consumers in Phoenix, AZ. It does not confirm that Cash Time Loan Center or this specific location is licensed.
State regulator
Arizona Department of Insurance and Financial Institutions
Consumer protection
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.
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.
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
Cash Time Loan Center offers 12 services including Title loans ($100–$100,000 using vehicle as collateral), Personal loans ($100–$2,500 for borrowers still making vehicle payments), Registration loans ($100–$2,500 for vehicles registered in borrower's name with outstanding payments), 100% online loan applications with no store visit required, Title loan refinancing and buyouts to refinance existing title loans at lower rates, and 7 more.
Cash Time Loan Center has profile signals associated with Vehicle owners facing short-term cash access emergencies who have exhausted other funding options and can afford title loan interest rates, Borrowers with poor credit history who are ineligible for traditional personal loans or credit cards, Arizona residents needing $100–$100,000 in cash with vehicle collateral and ability to repay within loan term, Borrowers seeking to refinance existing title loans at potentially better rates.
Key strengths: published application timing in as little as 15 minutes with instant funding capability; Serves all credit types explicitly—bad credit is not a barrier to approval; Multiple loan products ranging from $100 to $100,000 depending on product type. Areas to consider: Title and registration loans carry higher in listed context interest rates and fees than unsecured personal loans, creating significant debt burden risk; Vehicle repossession risk if unable to make payments—collateral-based lending puts primary asset at stake.
In the Emergency Cash category, comparable providers include Auto Cash Title Loans, Loanmart Auto Title Loans, Rapid Cash Loans. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
CreditDoc Profile Note
Cash Time Loan Centers is profile signals for Arizona vehicle owners facing genuine emergency cash needs who have exhausted traditional lending options and can afford the high interest rates inherent to title lending. The primary caveat is that title loans are expensive short-term solutions that risk vehicle repossession; borrowers should compare rates, calculate total repayment cost, and ensure they can meet payment obligations before proceeding. Consumers should request and carefully review actual APR, interest rates, and fee disclosures before committing.
LoanMax Title Loans offers short-term cash access loans secured by vehicle titles, with loans up to $10,000 available at their Tucson, AZ location and multiple other Arizona branches.
Profile signals: Vehicle owners with short-term cash needs who have equity in their car, Consumers unable to qualify for traditional personal loans who own their vehicle outright
LoanMart offers auto title loans ranging from $1,500–$7,500 with provider-stated funding timing, requiring only a clean vehicle title and limited-documentation claims to verify.
Profile signals: Vehicle owners facing genuine financial emergencies who have exhausted lower-cost alternatives, Borrowers with poor credit scores (below 620) unable to access personal loans or credit cards
Speedy Cash offers payday loans, title loans, installment loans, and check cashing services across 30+ states with provider-stated funding timing for emergency cash needs.
Profile signals: Workers facing a one-time emergency (medical bill, car repair, eviction notice) with documented income and ability to repay by next payday, Borrowers who own vehicles and need larger loans ($1,000+) and prefer installment repayment over lump-sum payday obligation
Answer 3 quick questions to review category, service, and profile context.
1. What's your primary financial goal?
A plain-English breakdown of every credit score range — what each number actually means for your loans, cards, and daily life, plus exactly what to do about yours.
Read guide →A plain-English breakdown of what credit products, loans, and cards you can realistically get at every credit score level — from deep subprime to excellent.
Read guide →Learn exactly how to check your credit score for free using legitimate sources, understand the difference between soft and hard inquiries, and know your rights under federal law.
Read guide →New to credit and lending? Here are the key terms used on this page, explained in plain language with real-number examples.
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.
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.
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.
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.
A special APR calculation used for military servicemembers that includes ALL costs — fees, insurance, and add-ons — capped at 36% by federal law.
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.
The maximum interest rate a lender can legally charge in a particular state. Charging above this rate is called 'usury' and is illegal.
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.
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.
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.
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.
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.
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.'
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.
The practice of charging interest rates higher than what the law allows. Usury laws set state-specific caps on how much lenders can charge.
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.
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.
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 Cash Time Loan Center 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.