What is a Personal Loan?

Personal loans are based on credit and income. If needed, collateral can be used to qualify. They are a great choice for vacation, fixing your car, home improvement, or paying down debt. Personal loans are added as another line of credit to your credit report. Making on-time payments will build your credit whether you have good or bad credit.

These are closed-ended installment loans. Each payment contains a portion that goes to interest and a portion that goes to principle. At the end of the loan, you will have paid the complete balance off. Interest rates for these types of loans are also capped at 36% in the state of Arizona; which is 3% monthly. This is why these loans are more attractive than auto title loans and registration loans; where their interest rates range between 100% to 207% annually.

How Long Does It Take to Get a Personal Loan?

It can take up to 15 minutes to fill out an application and get you pre-approved for the loan. Then its only a matter of minutes to sign your contract and hand you your money. If you are in a hurry, we can work out a time best for you. There is no pressure when working with us. We want to ensure you have all the time needed to ask all the questions you have.

What if I do not have good credit?

If you do not have good credit, try our auto title loan product. We report credit on title loans as well and can help you get into a personal loan faster.

Get a Loan from $1,000 to $5,000

Personal Loans to pay bills

What are the Benefits

Some benefits of a personal loan include:

  • Same Day Cash

  • Quick Approval

  • Fixed Rates

  • Build Credit

  • Fixed Term

  • Fixed Payment

  • Friendly and courteous staff

  • Borrow up to $3,500

Where To Start

Come into our office or call today to see if you qualify. A decision is made in less than 15 minutes and you could take a check home in 30 minutes.

To expedite the process, please bring the following:

  • Government Issued ID

  • Last Paystub or other Proof of Income

  • Proof of Residence (phone bill, electric bill, …)


Contact us today to start your application for a personal loan. We are looking forward to speaking with you. You can fill out the form and we will call you back to discuss your needs and what would be needed for your loan.

Subject to credit approval on personal loans, Subject to Credit worthiness, Subject to value of collateral, Subject to our normal credit policy
Licenses: SF: 0913778, CL: 0906943