Title Loan Frequently Asked Questions
- What is the minimum and maximum Auto Title Loan amount?
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$100 to $100,000.
- Do I need an Arizona Certificate of Title for an Auto Title Loan?
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Yes, all Arizona lenders will require an Arizona title. Converting an out of state title to an Arizona title is easy to do and we can assist you with that.
- Do you need to see my motor vehicle for an Auto Title Loan?
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Yes
- Do I get to keep and drive my motor vehicle?
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Yes
- Do I need auto insurance?
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No insurance coverage is required unless your loan amount is over $5,000.
- Does my vehicle registration need to be current?
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No
- Are there any year or mileage limits on my motor vehicle?
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No, there are no year or mileage limits
- What if I have bad credit?
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Your credit history is not an important part of our customer evaluation.
- Does my vehicle need to be paid for?
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No, while it is easier to qualify for the amount you are requesting on an Auto Title Loan when your motor vehicle is paid for, sometimes we can pay off your existing loan and issue you a new loan or we can offer you a Personal Loan.
- How long does it take to get my money?
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In most cases, 30 minutes or less
- How are my loan funds issued?
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We give you a check from a local bank and offer to cash the check for you.
- Do I need an appointment?
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No appointment is needed. You can also apply online.
- What if I am not currently employed, self employed or do not receive a regular paycheck?
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We may still be able to help you, just call us to discuss your options.
- What if I live with someone else?
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That is acceptable, just bring recent mail received at your current place of residence with your name on it.
- What if I become late on my payment?
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It is very important to keep in communication with the Cash Time Loan Center that made your loan to discuss ways we can help you.
- Can I make my payment after hours?
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Yes, you can either make your payment in the outside drop box at your Loan Center location or to your loan center’s MoneyGram account. After hours payments will be credited to your account the next business day.
- Do the Cash Time Express Loan Centers have a drop box?
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Yes, but they are located inside and are only accessible during business hours.
- What type of payment can be made in a drop box?
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No Cash, only personal check, cashiers check, or money order.
- What if I am not able to pay off my loan by the end of my contract?
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We will work with you, just call us to discuss ways we can help you.
- What will my payment schedule be?
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Your payment schedule can be bi-weekly, semi-monthly, or monthly.
- How long is the loan?
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The length of the loan depends on your payment schedule.
- What is the interest rate?
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For questions about interest rates, please contact a Cash Time representative.
