Fast Cash Loans in Phoenix, AZ
Get installment loans in Phoenix, AZ with 300 Cash Loans. You may request up to $5,000 online and receive fast cash on the same day. We offer a secure application and provide quick approval decisions. No hard credit check is involved, so applying with us won’t affect your credit score.
Visit 300 Cash Loans Phoenix Branch
Our Phoenix branch is located on the Camelback Rd corridor in Midtown. You can walk in for personalized assistance or apply from home through our website.
Address: 192 E Camelback Rd, Phoenix, AZ 85012
Email: [email protected]
Phone: (623) 400-2002
Business Hours:
Monday–Sunday, 8:00 AM – 10:00 PM
Branch manager: Lane Doyle
Check cashing may be available at this location
Residents of Downtown, Arcadia, Biltmore, and North Central Phoenix can reach us in minutes via I-17 or SR-51.
What Our Customers Say
Here are reviews from people who chose us:
Megan S.
I used their online application from home. took about ten minutes. They were very upfront on the costs. The funds arrived in my account the next day.
★★★★★
January 15, 2026
Nicole R.
I was worried because of my credit but 300 Cash Loans looked at my income instead and gave me an amount I could manage. Now they’re taking the payments automatically and I have not had any problems.
★★★★★
January 29, 2026
Denise M.
It was my first time taking a loan like this and I was nervous but the lady at the Phoenix office explained everything clearly and I walked out with what I needed for rent.
★★★★★
February 7, 2026
Jordan P.
I needed cash fast in Phoenix, I really did. They explained the Arizona rules on payday loans and set me up with an installment plan I could handle.
★★★★★
February 25, 2026
You’re welcome to leave your honest feedback about our services as well:
Payday Loans Are Not Legal in Phoenix, Arizona
Payday lending has been prohibited in Arizona since July 1, 2010. The statute that allowed “deferred presentment” payday loans expired on that date after voters rejected Proposition 200 in 2008.
Under A.R.S. § 6-632, licensed consumer lenders are capped at 36% APR on the first $3,000 of principal and 24% above that amount. Traditional payday loans cannot operate legally under these limits.
Installment loans and personal loans from licensed consumer lenders are the only legal alternatives here.
What Financial Products Are Available in Phoenix?
Since payday loans are banned in Arizona, you can legally get only these loan products in Phoenix:
Short-Term Installment Loans
Short-term installment loans allow you to borrow up to $5,000. You can choose the repayment period of up to 24 months. The exact APR will depend on your financial profile, starting with 16%*. No collateral is required.
Our customers typically use installment loans in Phoenix to cover medical bills, car repairs, rent, moving costs, and other expenses that don’t fit into a regular monthly budget.
*Loan terms are subject to approval. Your particular APR may differ.
Personal Loans
A traditional personal loan is a long-term borrowing option that lets you borrow up to $50,000. Repayment periods may range up to 60 months. APRs usually span from 5.99% to 35.99%.
Many people use this type of loan for larger expenses, such as major purchases or important life events. Personal loans in Phoenix are not offered by 300 Cash Loans, but they are widely available from banks and credit unions across Phoenix. A good credit score is needed to qualify.
Enjoy Our Simple 3-Step Application Process
You can apply online or in person at our Phoenix branch. It’s easy:
1
Submit Your Application
Fill out a short form with your personal details, income information, and bank account data. It takes about 5 minutes.
2
Get a Decision
We’ll review your application and provide a decision within about 15 minutes. Only a soft credit check is performed at this stage.
3
Receive Your Funds
If approved, review the terms and sign the agreement. The money will be deposited directly into your checking account*.
*Loans finalized before 10:30 AM may qualify for same-day funding. Otherwise, expect the deposit on the next business day.
Cash Loan Eligibility and Requirements
You need to meet a few basic requirements to qualify. Here’s what we ask for:
Active-duty military personnel are not eligible under federal regulations.
We Serve All of Phoenix and the Surrounding Areas
300 Cash Loans has 16 locations across Phoenix. Find a nearby branch:
Scottsdale, AZ
7082 E 5th Ave,
Scottsdale,
AZ 85251
(928) 833-1488
Glendale, AZ
6810 N 51st Ave,
Glendale,
AZ 85301
(623) 400-2755
Payson, AZ
242 AZ-260,
Payson,
AZ 85541
(928) 267-6294
Flagstaff, AZ
1521 S Milton Rd,
Flagstaff,
AZ 86001
(928) 833-1488
Surprise, AZ
12751 Crossroads Blvd,
Surprise,
AZ 85378
(623) 400-2711
Yuma, AZ
1655 S 4th Ave,
Yuma,
AZ 85364
(928) 597-5008
Prescott, AZ
1260 Iron Springs Rd,
Prescott,
AZ 86305
(928) 910-8868
Phoenix, AZ
192 E Camelback Rd,
Phoenix,
AZ 85012
(623) 400-2002
Tempe, AZ
3207 S Mill Ave,
Tempe,
AZ 85282
(623) 400-2202
Chandler, AZ
2071 AZ-87,
Chandler,
AZ 85225
(623) 400-2323
Tucson, AZ
2878 N Campbell Ave,
Tucson,
AZ 85719
(520) 900-8824
Mesa, AZ
1938 W Baseline Rd,
Mesa,
AZ 85202
(623) 400-2733
Oro Valley, AZ
7935 N Oracle Rd,
Oro Valley,
AZ 85704
(520) 900-5750
San Tan Valley, AZ
40815 N Gantzel Rd,
San Tan Valley,
AZ 85140
(520) 666-7042
Gilbert, AZ
106 N Cooper Rd,
Gilbert,
AZ 85233
(623) 400-2559
Flagstaff, AZ
20 S San Francisco St,
Flagstaff,
AZ 86001
(928) 223-6233
All branches are open Monday through Sunday, 8:00 AM to 10:00 PM.
Why Choose 300 Cash Loans in Phoenix
300 Cash Loans has been operating since 2019 with 36 store locations across the U.S. Here’s why people choose us:
No Credit Score Barrier
We don’t base our decision solely on your FICO rating. We run only soft inquiries, and they won’t show up on your credit report.
Transparent Terms
All fees, rates, and repayment details are outlined in the loan agreement before you sign. No surprises.
Secure Application
We use SSL encryption to protect your personal and financial data throughout the process.
Convenient Hours
We are open 7 days a week from 8:00 AM to 10:00 PM. Apply online anytime or visit in person during store hours.
Fast Funding
Approved loans are funded via direct deposit on the same or next business day, depending on when you finalize your agreement. No waiting around for a paper check.
FAQ
Why is payday cash advance illegal in Phoenix, Arizona?
Arizona previously allowed payday loans under a special law. That statute expired on July 1, 2010 and the state did not renew it. Current consumer lending rules cap APR at 36% on the first $3,000 of principal. Under these rules, traditional payday loans are no longer permitted in Phoenix or anywhere else in Arizona.
Can I get a cash loan with bad credit in Phoenix?
Yes, you can get a cash loan with us. We consider applicants with all credit types. There’s no minimum credit score requirement. We perform only a soft credit check during the pre-approval process. Your income and ability to repay the loan are the most decisive factors in your approval.
How fast can I get funded with 300 Cash Loans?
The application takes about 5 minutes. Decisions usually come within 15 minutes. Same-day funding may be available if your application is approved and processed before 11:30 AM. Otherwise, funds will be deposited on the next business day.
How much can I borrow from 300 Cash Loans in Phoenix, AZ?
You can borrow up to $5,000 with our installment loans. The exact approved loan amount will depend on your monthly income and financial situation. We strongly advise you to borrow only the amount you need.
Does applying hurt my credit score?
No. We conduct only a soft credit check while checking your application. It will not impact your credit score.
Can I apply online or do I need to visit the branch?
You are welcome to apply in whatever way you find most convenient. Our online application is available 24/7 at 300loan.com. Our Phoenix branch is open every day from 8:00 AM to 10:00 PM.
Need Cash in Phoenix?
Address your financial emergency with no impact on your credit score.
*Approval is not guaranteed and depends on your eligibility criteria and financial situation.
Loan terms, amounts, and APRs vary by applicant. A soft credit check may be performed.