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Cash Time Loan Centers Mesa, Arizona — Cash Time Loan Centers offers title loans, personal loans, and registration loans in Phoenix, AZ with same-day fu...
Data compiled from public sources
Cash Time Loan Centers is a Phoenix, Arizona-based consumer lender operating a network of storefront branches across the Valley. The profiled location sits at 2030 W. Baseline Rd in the South Mountain Pavilion shopping center, serving the communities of South Phoenix, South Mountain, and Laveen. The company's positioning centers on accessibility — specifically for borrowers who cannot qualify for conventional bank financing due to poor, thin, or damaged credit histories.
Cash Time offers three core loan products: Title Loans (secured by vehicle title), Personal Loans, and Registration Loans. All three are designed for speed — the company advertises instant approval and provider-stated funding timing for many applicants. Applications can be submitted in person at the branch or entirely online, with disbursement available via direct deposit to a bank account. A fourth product, the Title Loan Buyout, allows borrowers with existing high-interest title loans from other lenders to refinance into a new Cash Time loan at purportedly lower rates and more manageable monthly payments.
Several features distinguish Cash Time from pawn-style competitors. A 24/7 online account portal lets borrowers check balances, schedule payments, and monitor available funds without branch visits. The company explicitly accepts applicants with poor credit, no credit, or those actively rebuilding — a broader acceptance window than most personal loan lenders. Branch hours run Monday through Friday 9AM–6PM with Saturday availability (10AM–4PM), though the location is closed Sundays and eight named holidays.
Cash Time addresses a real need for borrowers who are locked out of traditional credit and are researching short-term cash access. That said, title and registration loans are secured by a vehicle — defaulting creates a direct repossession risk. The website promotes 'rate claims to verify' and 'no fees to verify' but does not disclose specific APRs anywhere in the content reviewed. Title loan products in Arizona commonly carry annualized rates well above 100%. Prospective borrowers should request the full loan agreement, confirm the APR in writing, and calculate total repayment cost before committing.
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 Mesa, AZ. It does not confirm that Cash Time Loan Centers 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 Centers offers 12 services including Title Loans (vehicle-secured), Personal Loans, Registration Loans, Title Loan Buyouts (refinancing competitor loans), Same-day funding, and 7 more.
Cash Time Loan Centers has profile signals associated with Arizona vehicle owners who are researching short-term cash access and cannot qualify for bank loans, Borrowers with poor, no, or rebuilding credit who need provider-stated funding timing, Existing title loan borrowers seeking to refinance a high-rate loan from another lender, South Phoenix, South Mountain, and Laveen residents needing short-term funds quickly.
Key strengths: provider-stated funding timing available with instant approval for qualifying applicants; Accepts borrowers with poor credit, no credit history, or those rebuilding credit; Online application with direct deposit — no branch visit required. Areas to consider: Title and registration loans are secured by vehicle — default risks repossession; No APR or rate information disclosed anywhere on the website.
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 is best suited for Phoenix-area borrowers who own a vehicle and are researching short-term cash access but cannot access traditional credit due to poor or no credit history. The main caveat is that title and registration loans are secured debt — the vehicle can be repossessed on default — and Cash Time does not disclose APRs publicly, which for these products in Arizona are commonly very high. Borrowers should compare total repayment cost carefully before signing.
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
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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 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.
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