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Cash Time Loan Centers in Mesa, AZ
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 · Rating from CreditDoc methodology
Cash Time Loan Centers Review
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 same-day funding 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 need fast cash. That said, title and registration loans are secured by a vehicle — defaulting creates a direct repossession risk. The website promotes 'competitive rates' and 'no hidden fees' 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.
Services & Features
24/7 online account management portal
Direct deposit disbursement
Flexible repayment terms
In-person loan processing
Instant approval decisions
Loan balance and payment scheduling online
Online loan application
Personal Loans
Registration Loans
Same-day funding
Title Loan Buyouts (refinancing competitor loans)
Title Loans (vehicle-secured)
Feature Checklist
Mobile App
Online Portal
Score Tracking
Credit Education
Personal Advisor
Identity Theft Protection
Pros & Cons
Pros
- Same-day funding 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
- Title Loan Buyout program to refinance high-rate loans from other lenders
- 24/7 online portal for balance checks, payment scheduling, and account management
- No hidden fees explicitly stated on website
- Saturday hours available (10AM–4PM) for borrowers who can't visit on weekdays
Cons
- Title and registration loans are secured by vehicle — default risks repossession
- No APR or rate information disclosed anywhere on the website
- Sunday closed; Saturday hours end at 4PM limiting weekend access
- Title loan products in Arizona typically carry very high annualized interest rates despite 'competitive' marketing language
- Single location profiled — limited geographic reach beyond South Phoenix
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
See which lenders actually approve borrowers with bad credit. We compared APRs, fees, minimum scores, and funding speed.
Frequently Asked Questions
Is Cash Time Loan Centers legitimate?
Yes. Cash Time Loan Centers is a registered company, headquartered in 1133 W Broadway Rd, Mesa, AZ 85210.
Quick Facts
- Headquarters
- 1133 W Broadway Rd, Mesa, AZ 85210
- BBB Accredited
- No
- Starting Price
- Contact provider
- Setup Fee
- None
- Money-Back Guarantee
- No
CreditDoc Diagnosis
Doctor's Verdict on Cash Time Loan Centers
Cash Time is best suited for Phoenix-area borrowers who own a vehicle and need fast cash 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.
Best For
- Arizona vehicle owners who need fast cash and cannot qualify for bank loans
- Borrowers with poor, no, or rebuilding credit who need same-day funding
- Existing title loan borrowers seeking to refinance a high-rate loan from another lender
- South Phoenix, South Mountain, and Laveen residents needing emergency funds quickly
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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