Arizona title loan lender offering auto title loans, registration loans, and personal signature loans from $100–$20,000 with 15-minute approval and same-day funding.
Editorially reviewed by Harvey Brooks
Cash Time Loan Centers, legally incorporated as Cash Time Title Loans, Inc., was founded in 1997 and has operated in the Arizona consumer lending market for nearly three decades. Headquartered in Scottsdale, AZ, the company is licensed by the Arizona Department of Financial Institutions under license number 0903593. It is a state-regulated for-profit lender — not a credit union, CDFI, or nonprofit organization. The company earned BBB accreditation in July 2002 and has maintained it since. Cash Time is locally owned and operates under the Presto Title Loans brand as well, and absorbed CashNGo through a confirmed merger. With an estimated annual revenue of approximately $15.4 million and 18 physical locations across the Phoenix metro and Tucson, it is one of Arizona's more established regional title lenders.
Cash Time's core product is the auto title loan — a secured short-term loan in which borrowers pledge their vehicle title as collateral while retaining use of the vehicle during repayment. Loan amounts range from $100 to $20,000 per the company's own website. Beyond title loans, they offer registration loans for borrowers still making payments on a financed vehicle, personal and signature loans for applicants without a clear title, and title loan buyouts to refinance existing competitor loans at potentially lower rates. A 100% online loan option allows the full process — application, approval, and funding — to be completed without a store visit. All credit types are accepted, including applicants with bad credit or no credit history at all.
Speed and accessibility are Cash Time's clearest differentiators. The company advertises a 15-minute approval window with same-day funding via bank transfer or in-store check. Their 18 branch locations span Phoenix neighborhoods, Mesa, Goodyear, Scottsdale, and multiple Tucson sites, combining digital convenience with a meaningful local presence. Eligible collateral extends beyond passenger cars to motorcycles, RVs, and commercial vehicles — broadening their borrower pool. Review volume is a notable data point: the company claims over 9,000 five-star Google reviews across all locations, and the Tucson-specific listing carries a 5.0 rating from 1,195 verified reviews.
Cash Time is a realistic option for Arizona borrowers in genuine financial emergencies who cannot access conventional credit. That accessibility, however, comes at a steep price. Customer reviews reference APRs as high as 59%, placing these products well above the cost of bank personal loans or credit union alternatives. Auto title loans carry an inherent structural risk: default can result in vehicle repossession, which can worsen a borrower's financial situation significantly. Borrowers should treat Cash Time as a short-term emergency tool rather than a long-term financing solution, and should fully review the Loan Term Disclosures available on their website before signing.
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 Scottsdale, AZ, founded in 1997. They hold a NR rating with the Better Business Bureau and are BBB-accredited.
CreditDoc Diagnosis
Cash Time Loan Centers is best suited for Arizona borrowers who own a vehicle outright and need quick cash for a genuine financial emergency but are locked out of conventional credit options. Their 15-minute approval and same-day funding are real operational strengths backed by a long track record and strong review volume. The primary caveat is cost — APRs as high as 59% make these loans expensive, and pledging a vehicle as collateral adds meaningful risk if repayment becomes difficult.
ACE Cash Express offers payday loans, installment loans, check cashing, prepaid cards, and wire transfers at 750+ U.S. stores and online.
Best for: Unbanked or underbanked consumers who need fast cash before their next paycheck and have no bank account or credit card access, People needing to cash checks without a traditional bank account
Allied Cash Advance offers installment loans, cash advances, and prepaid cards at physical locations. Fast funding available same-day in-store or next business day online.
Best for: Consumers with poor or no credit history who cannot qualify for traditional personal loans, Individuals needing emergency cash within same day and willing to accept high rates for speed
Unable to generate profile: Website content is a Bizapedia directory verification page with no company-specific information about El Patron Title Loans available.
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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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