Cash Time offers title loans, personal loans, and registration loans with same-day funding at their Phoenix location, serving customers with poor credit or no credit history.
Editorially reviewed by Harvey Brooks
Cash Time Loan Centers operates a physical lending location in Phoenix, Arizona at 2030 W. Baseline Rd, positioned in South Mountain Pavilion shopping center. The company specializes in providing fast cash access to consumers facing immediate financial needs, with a focus on serving underserved credit segments. The business has been established as a regional lender serving South Phoenix, South Mountain, Laveen, and surrounding neighborhoods.
Cash Time's primary offerings include title loans (using vehicle titles as collateral), personal loans, and registration loans designed for quick deployment of funds. The company explicitly advertises competitive rates, no hidden fees, and flexible repayment terms. They provide multiple funding mechanisms: in-person approvals with same-day cash disbursement, online applications with instant approval, and direct deposit options for faster fund delivery. Customers can manage accounts through a 24/7 online portal to check balances, schedule payments, and access additional funds.
The company differentiates itself through title loan buyout services, allowing existing borrowers from other lenders to refinance at purportedly lower rates and more manageable payments. They market accessibility to customers with poor credit, those rebuilding credit, and those with no credit history. The location operates during extended hours (9 AM–6 PM weekdays, 10 AM–4 PM Saturday) in a convenient shopping center alongside recognizable retailers like Lowe's and Wells Fargo, reducing friction for customer acquisition.
While Cash Time presents itself as a accessible lending alternative, the core business model relies on collateral-based and high-cost lending products. Title loans and personal loans from non-bank lenders typically carry significantly higher interest rates than traditional bank products, even when marketed as competitive within their category. The emphasis on serving poor-credit and no-credit borrowers, combined with same-day funding and refinancing offers, indicates positioning in the higher-cost lending sector. No specific APR, term lengths, or fee structures are disclosed on the website, limiting transparency about true cost of borrowing.
See which lenders actually approve borrowers with bad credit. We compared APRs, fees, minimum scores, and funding speed.
Yes. Cash Time Loan Centers is a registered company headquartered in 4915 W Bell Rd, Glendale, AZ 85308. They hold a NR rating with the Better Business Bureau.
CreditDoc Diagnosis
Cash Time is best for South Phoenix residents facing genuine emergencies who own vehicles, have exhausted traditional lending options, and can tolerate higher borrowing costs for immediate access to cash. The critical caveat is that title loans and personal loans from non-bank lenders carry substantially higher APRs and fees than bank alternatives; borrowers should only use these products for true emergencies, not routine expenses, and should carefully review actual rate/term disclosures before committing.
Auto title lender offering same-day loans up to $10,000 secured by your vehicle's title. No credit check required; borrowers keep driving during repayment.
Best for: Vehicle owners with a lien-free title who need emergency cash same-day, Borrowers with poor or no credit who have been declined by banks and credit unions
TitleBucks offers vehicle title loans and title pawns using your car as collateral. Cash in 30 minutes, no credit check; APR typically 119%–179%.
Best for: Vehicle owners with a paid-off or nearly paid-off car who need emergency cash the same day, Borrowers with poor or no credit history who cannot qualify for traditional personal loans or bank financing
CheckSmart is a check-cashing and financial services storefront offering payday loans, money orders, wire transfers, and bill payment services across Ohio.
Best for: Consumers needing basic check-cashing and money order services without a bank account, Individuals seeking emergency short-term cash with physical location convenience
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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 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.
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 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.
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 might only need 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 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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