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.
Editorially reviewed by Harvey Brooks
Allied Cash Advance is a direct lender operating retail locations across multiple states, including this Tucson, Arizona branch at 6330 E. Golf Links Road. The company specializes in unsecured installment loans designed for personal expenses, bill consolidation, and unexpected costs. They also provide cash advance services and partner with Netspend for prepaid Mastercard products, positioning themselves as a financial services alternative for consumers who may lack access to traditional banking.
The company offers three primary products: installment loans paid back on a fixed schedule, payday/cash advances for shorter-term needs, and Netspend prepaid cards as banking alternatives. Existing customers can refinance or reload their loans through what Allied calls "Retail Remote Refi & Reloans." Their application process is designed for speed—in-store applications can fund within 30 minutes using a debit card, while online applications typically fund the next business day. The Tucson location operates six days weekly (10am-6pm Monday-Friday, 10am-2pm Saturday) and maintains a 4.9-star Google rating across 250 reviews.
Allied Cash Advance distinguishes itself through accessibility to consumers with poor or no credit history. Their underwriting considers factors beyond credit scores, explicitly stating they cannot say whether bad credit will prevent approval. The company accepts alternative ID (Matricula Consular card), requires only 30 days of active checking account history, and offers same-day decision and funding. Customer reviews highlight quick approvals, patient service representatives, and willingness to lend when traditional lenders declined applicants.
However, this lender operates in the high-cost lending space. While specific APRs are not disclosed on this webpage, installment loans and cash advances from non-bank lenders typically carry rates of 200-400% APR. The company does not transparently disclose rates, fees, or total cost of borrowing on their website. Consumers should carefully review loan agreements before signing, as these products are fundamentally more expensive than credit unions or traditional personal loans, despite their speed and accessibility.
See which lenders actually approve borrowers with bad credit. We compared APRs, fees, minimum scores, and funding speed.
Yes. Cash Loans Experts is a registered company headquartered in 4733 S 12th Ave, Tucson, AZ 85714. They hold a NR rating with the Better Business Bureau.
CreditDoc Diagnosis
Allied Cash Advance is best for consumers with limited credit options who need emergency cash and can access a physical store location. The primary caveat is cost: while funding speed and credit accessibility are genuine advantages, these loans carry substantially higher interest rates and fees than credit unions, banks, or online personal lenders—making them suitable only for true emergencies, not routine borrowing.
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
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.
Best for: Arizona vehicle owners needing fast emergency cash who cannot qualify for traditional bank financing, Borrowers with bad credit or no credit history seeking same-day loan approval
Unable to generate profile: Website content is a Bizapedia directory verification page with no company-specific information about El Patron Title Loans available.
Learn what makes up your credit score, how it's calculated, what the ranges mean, and how to check yours for free.
Read guide →Your credit report contains the raw data behind your score. Learn what's in it, how to read it, and how to dispute errors that could be dragging your score down.
Read guide →Klarna, Afterpay, Affirm — they make spending easy. But what happens to your credit score when you use them? Here's what the fine print doesn't tell you.
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.
Affiliate Disclosure: CreditDoc may earn a commission when you click links to Cash Loans Experts and other services. These commissions help us maintain our free research. Our editorial team independently evaluates all services. Compensation does not influence our ratings or rankings. Learn more.