Life doesn’t wait for payday. Whether it’s an unexpected expense, apply in minutes, get a real decision from a real person, and walk out with your money in as little as 30 minutes with a debit card.
We’ll handle it. TOGETHER®
Lending in Arizona since 1999 · part of the CNG Holdings family of brands
Most of our customers come in for something that broke, something that came due, or something that could not wait. Here is what that usually looks like.
A transmission, a timing belt, new tyres — the repair that stands between you and getting to work.
Typically $500 – $2,500A deductible, an urgent care visit, or a dental procedure your plan did not cover.
Typically $400 – $3,000Covering the gap when a paycheque lands after the due date, or when a summer power bill spikes.
Typically $200 – $1,500Rolling several smaller balances into one scheduled payment you can plan around.
Typically $1,000 – $5,000We keep our lineup short on purpose. One loan built for real expenses, one way to refinance it when things change, and one card that lets you manage money without a traditional bank account.
Borrow a larger amount and pay it back over time in fixed, scheduled payments instead of one lump sum. Useful for a car repair, a higher insurance deductible, a leaking roof, or consolidating several smaller bills into one payment you can plan around.
In Arizona our installment loans are also known as registration loans. You keep driving your vehicle; your registration and proof of ownership are part of what secures the loan. Ask your store associate exactly how your vehicle is used before you sign.
Already have a loan with us? You may be eligible to refinance your current balance or take out a new loan without coming back in. Call your store and an associate will walk you through it over the phone.
A reloadable card you can use anywhere Debit Mastercard is accepted — pay bills, shop online, load your pay — without opening a traditional bank account. This is a card account, not a loan.
See your balance, check your next due date, make a payment, and apply for a new loan from your phone or desktop, any hour of the day.
Outside Arizona, or prefer not to visit a store? Online applications submitted here are sent to Check ‘n Go, who make the credit decision and fund approved loans. Read the full details below.
Five steps from application to payoff. Most people get through the first two in a single visit.
Start online in a few minutes or walk into any Arizona store with your ID, proof of income, checking account details and vehicle registration.
Your application goes through our underwriting process, which determines whether you qualify and, if you do, the rate and amount we can offer you.
You see the loan amount, the rate, every due date and the total you will repay before you agree to anything. Read it carefully and ask questions — that is what the associate is there for.
Sign your Loan Agreement and funding follows. To a debit card it can arrive in as little as 30 minutes. In store it is often the same day; online applications typically fund the next business day.
Payments follow your pay cycle — every two weeks, twice a month, or monthly. Set up Auto Pay and each payment is withdrawn from your checking account on its due date.
Start online when it works for you. Applying costs nothing, and you are never obligated to accept an offer.
Apply nowFour documents get you to a decision. Here is everything we check, and what we can and cannot promise about credit.
In Arizona our installment loans are also called registration loans, and both are regulated as secondary motor vehicle finance transactions under state law. The practical difference between products is in what the lender holds and whether a lien is placed on your vehicle.
Ask your store associate to confirm exactly how your vehicle secures your specific loan, and make sure that answer appears in your Loan Agreement before you sign.
Loans we originate can be funded in as little as 30 minutes to a debit card. Funding times vary depending on your debit card bank, and funding to a Mastercard may be subject to restrictions. Funding by ACH may arrive as soon as the same day. Online applications funded by Check ‘n Go are typically deposited no later than the following business day.
Move the slider to see what a loan of that size would cost at the maximum rate Arizona law allows. This is an estimate to help you plan, not a loan offer.
per month for 12 months
Estimate only. Figures use the statutory maximum monthly finance rate under A.R.S. § 44-281 and assume equal payments with no missed payments. They are not an offer of credit and your approved rate may be lower. Your actual APR, finance charge and total of payments are disclosed in your Loan Agreement before you sign. See full rates and fees
Rates and terms vary by state, by how much you borrow, and by the outcome of underwriting. Here is the framework every Arizona loan is written inside, so you can estimate your cost before you apply.
The maximum rate depends on the original amount financed. Your actual approved rate can be lower.
| Original loan amount | Maximum monthly rate |
|---|---|
| $500 or less | 17% |
| $500.01 – $2,500 | 15% |
| $2,500.01 – $5,000 | 13% |
| Minimum repayment term | 30 days |
Based on Arizona’s statutory framework for secondary motor vehicle finance transactions under A.R.S. § 44-281. Your Loan Agreement controls and shows the exact rate, APR, finance charge and payment schedule.
Know your exact cost
Your approved offer shows the APR, finance charge, payment amount, due dates and total of payments before you accept the loan. Those approved disclosures—not a generic example—control the actual cost of your loan.
Installment and registration loans are built for a temporary shortfall, not for long-term borrowing. The cost of credit on this kind of loan is high compared with a credit card, a credit union loan, or a payday alternative loan (PAL). Before you apply, it is worth asking your creditor for a payment plan, checking whether your employer offers a pay advance, or contacting a local credit union.
If your loan is secured by your vehicle and you stop paying, your vehicle can be repossessed and you may be sued for any remaining balance. Please do not borrow more than you can comfortably repay on schedule.
Three comparisons our stores explain most often. Knowing where you sit saves you money and stops you signing up for the wrong product.
Both are regulated as secondary motor vehicle finance transactions under Arizona law, and both use your vehicle. The practical difference is what the lender holds.
Your payment schedule is built around your pay cycle, so money leaves your account when money arrives in it.
Every store is staffed by people who live where you live. Walk in with your documents and you can often leave the same day with your funds.
Visit a nearby store, talk with a real associate, and bring your documents with you to move faster.
Visit a nearby store
Complete the application form when it is convenient for you. Applying costs nothing, and you are never obligated to accept an offer.
We have been lending in Arizona neighbourhoods for years. Here is what that actually means for you.
Personal service
Your situation is yours alone. We would rather sit down with you in a store and work out which loan fits than push you toward a number that does not.
No surprises
You see the amount, the rate, every due date and the total you will repay before you sign. If something is not clear, ask — we will go through it line by line.
Quick turnaround
A decision in minutes and funding to a debit card in as little as 30 minutes, because a broken-down car does not get less broken while you wait.
Short-term credit is expensive, and it is not always the right answer. If any of these work for you, take them first — we would rather you came back when you actually need us.
Federal credit unions can offer small loans with a federally capped interest rate, far below what short-term lenders charge. You usually need to have been a member for a month.
How PALs workUtility companies, hospitals and landlords often have hardship plans that cost nothing. One phone call before the due date is usually all it takes.
What to say when you callMany employers, and a growing number of payroll apps, let you draw wages you have already earned at little or no cost.
About earned wage accessNon-profit credit counsellors can review your whole picture and negotiate with creditors on your behalf. Initial sessions are normally free.
Find a counsellorThe questions our stores get asked most often.
Arizona installment and registration loans range from $200 to $5,000. The amount you qualify for depends on your income, your banking history, your vehicle and the outcome of underwriting. Your approved amount is shown to you before you accept the loan.
In Arizona, yes — loans originated at our stores are funded by us. Applications submitted online are sent to Check ‘n Go, which makes the credit decision and funds approved loans. Both brands are part of CNG Holdings.
In Arizona our installment loans are also called registration loans. Both are regulated as secondary motor vehicle finance transactions under Arizona law. The practical difference is in what the lender holds and whether a lien is placed on your vehicle. Ask your store associate to confirm exactly how your vehicle is used to secure your specific loan, and make sure that answer appears in your Loan Agreement before you sign.
Credit is a factor in our underwriting process, but it is not the only one. We cannot say in advance whether bad credit or no credit will prevent you from being approved, so the only way to find out is to submit an application and receive a full review and credit decision. Applying costs you nothing.
Loans we originate can be funded in as little as 30 minutes to a debit card. Funding times vary depending on your debit card bank, and funding to a Mastercard may be subject to restrictions. Funding by ACH may arrive as soon as the same day. Online applications funded by Check ‘n Go are typically deposited no later than the following business day.
Rates and terms vary by state and by loan amount. Arizona law sets maximum monthly finance rates based on how much you originally borrow — see the rate table above. Your exact APR, finance charge and total of payments are disclosed to you in writing before you sign, as required by the federal Truth in Lending Act. For current rate information, review our rates and fees or visit an Arizona store.
Typically customers are allowed one loan at a time, though some exceptions apply. Contact your local store for details about your situation.
Yes. Paying early reduces the interest you pay overall. Check your Loan Agreement for how early payoff is calculated on your specific loan, or call your store and an associate will quote you a payoff amount.
Our current Arizona product line is installment and registration loans from $200 to $5,000. Payday loan availability depends entirely on state law and differs by state. Online applications are handled by Check ‘n Go, whose product availability also varies by state.
Use your Pocket360® account to view active loans, check due dates, make a payment or apply for a new loan. You can reach it from the login link at the top of this page, any time of day.
Visit a nearby store for in-person help, or start your application online when you are ready.
Find a storePlain-English explainers written by the people who sit across the desk from our customers every day.
Loan basics
How Arizona registration loans work, what secures them, and the questions to ask before you sign.
Costs explained
Two loans with the same monthly payment can cost very different amounts. Here is how to spot the difference.
Credit guidance
Small, concrete steps that move your score, and the common moves that quietly set it back.
Apply online in a few minutes, or stop by a store if you prefer to speak with someone face to face.