5 Myths About Arizona Title Loans

Arizona Roadway

There are a lot of myths about Arizona title loans. If you’ve never taken out a title loan before, you might not know what to expect. This article will clear up some misunderstandings about Arizona title loans and give you a better idea of what to expect. (more…)

How Much Can I Get with a Registration Loan?

Cash

Registration loans, also known as title loans, are an option for Arizona residents who need money quickly due to some sort of emergency. Unlike title loans, you do not have to own the vehicle free and clear to qualify for a registration loan. However, the vehicle must be registered in your name. But how much can you get for a registration loan? You might think it is based on the value of the vehicle, as is the case with title loans, but it isn’t. (more…)

8 Hidden Gems in Arizona That Are Free

arizona

It’s been a rough year for a lot of people, but there are still things you can do without spending a lot of money. In fact, some of the best places for tourists to go are absolutely free. Here are eight hidden gems in Arizona that won’t cost you a cent. (more…)

Realistic Money Management Tips

Money

Whether you earn $30,000 per year or $60,000, somehow it never seems to be quite enough. Our bills tend to rise as our income does. You get a raise and take out a loan to buy a car. Now your raise is going straight to your car payment and it doesn’t feel like you’re making any more money than you were before. There has to be a better way—and there is. You must take control of your money instead of letting it control you. Here are six money management tips that will help put you back in the driver’s seat. (more…)

Thanksgiving on a Budget – 8 Simple Tips to Save You Money

Thanksgiving Dinner

Thanksgiving on a budget doesn’t mean you have to go with less. It simply means developing a strategy to spend less. Most people shop for Thanksgiving dinner a few days beforehand, shop impulsively when doing so, and spend a small fortune. It doesn’t have to be that way. Thanksgiving is a special holiday, but there’s no need to spend more than what you need if you are hosting this year’s big dinner. You can have a bountiful meal for your family and friends and stretch your dollar to get more for your money. Here are a few simple tips to cut costs and enjoy the day. (more…)

5 Ways to Save Money on Travel This Holiday Season

Map

The holidays can be the most wonderful time of the year, but the season can also be a costly time of the year. With the hustle and bustle of the season comes added expenses—gifts, gatherings, groceries, and, if you are going home for Thanksgiving or at Christmastime—travel. If you, or you and your family, are planning to travel anytime during the holiday season, to save money on travel, it is essential to plan. Whether flying or driving, here are 5 ways to save money on travel this holiday season: (more…)

Don’t Waste Money This Halloween with These Tips

halloween pumpkins

A few cheap Halloween ideas can lead to big savings this October. Between purchasing loads of candy and treats, having multiple costumes and spooky decorations inside and out, the costs of Halloween can be frightful and add up too quickly. Fortunately, there are a few ways to save scary amounts of money and have a good time this Halloween. Here are a few ways to save and enjoy the holiday. (more…)

Short Term Loans for Quick Cash

hundreds

A financial emergency can happen anytime. An unexpected medical bill, your car breaks down, a necessary house repair—no matter how well you manage your money—sometimes quick cash is needed to cover expenses. When an unexpected financial setback happens, when you need to get funds in a pinch, one choice for borrowers is a short term loan. There are a few short term loan types available depending on your unique needs or requirements.
(more…)

Alternatives to Payday Loans in AZ

Cash

Payday loans have been prohibited in Arizona for over a decade. In fact, the law that once allowed payday loans in Arizona expired on June 30, 2010. The following day, July 1, 2010, any type of consumer loans with APRs over 36% became illegal. Instead, many people with poor or no credit who once turned to payday loans in AZ for quick cash today must seek other types of loans, such as varying types of fast, easy short-term personal loans. (more…)

Having Multiple Registration Loans in Arizona

Arizona

Registration loans are a type of financial instrument unique to the State of Arizona. They afford quick cash in event of a financial emergency, like auto repairs and medical bills. The convenience relates to the accessibility of funding and the number of loans available to the borrower. How many registration loans can you have in Arizona can vary with the borrower’s needs. The state law allows for a single borrower to have up to five registration loans at any one time. (more…)

10 Affordable Things to Do in Phoenix on a Budget

Phoenix

Looking for affordable things to do in the Valley of the Sun this summer? Even better—for free? In Phoenix and the surrounding communities, you will find a number of free and low-cost community activities for the whole family. Whether you want to have outdoors fun or spend a quiet day inside an air-conditioned space, there is plenty to do when you head out. Keep an eye on the calendar, too. Many of the free events take place at particular times of the month. Whatever’s to your liking, here’s 10 things for either you or your family to do this summer in Phoenix—all of them for free! (more…)

The Basics of a Vehicle Registration Loan

Cash in Hand

What is a car registration loan? That’s a good question. Chances are unless you live in Arizona, you are unfamiliar with that type of loan. But for those who do live in Arizona, they are a convenient way for consumers to borrow money. The terms are favorable, in the sense that lender requirements are generally few, and the funds can be had quickly. The loans are available for people with limited, poor or no credit. Plus, people who live on a fixed income can benefit from the easy terms of a registration loan, too. (more…)

Everything You Need to Know About Bad Credit Personal Loans

Money

Whether you have good credit or bad credit, personal loans are available to consumers for a variety of reasons. They offer the borrower the opportunity to use funds for just about anything that they may need. Purposes can vary, from paying down or consolidating high-interest credit cards and automobile repairs to medical bills and home improvement projects. (more…)

Be Prepared for the New School Year with These Money-Saving Tips

laptop

With the new school year fast approaching, parents will look to save money on school supplies wherever they can. Gone are the days of the usual pens, pencils, and notebooks. These days the list of school-supplies can include electronic notebooks, iPads, laptops, wireless earbuds, portable power stations, backpacks, and yes, a new wardrobe. Costs add up quickly. A 2018 Backpack Index study that tracks classroom supply and fee costs found on average that parents will spend: $637 for elementary students, $941 for middle school students and $1,355 for high school students. (more…)

Types of Loans Available for Those with Poor Credit

Counting Cash

Loans for bad credit are available for people whose credit may have been negatively affected for one reason or another. Any number of circumstances can cause unexpected financial hardships or setbacks that can hurt your credit rating. Fortunately, even with poor credit, if a financial emergency occurs, there are loan options for you to pursue. (more…)

Coupon Strategies That Can Save You More Money

Grocery Shopping

With the rising costs of groceries and other goods, there is no time better than now to start cutting coupons to save money. Taking advantage of coupons really does work. Developing advanced coupon strategies, sometimes referred to as extreme couponing, is, in many ways, a job. How well it pays depends on your strategy. The more you plan, the more money you will ‘earn,’ i.e., keep in your pocket. Those funds can be redistributed into your household budget or applied wherever you want–a savings account or to pay down a credit card. Here are several ways to jumpstart a coupon strategy of your own. You will be amazed at what you can save: (more…)

Tips for Saving Money Before Baby Arrives

Couple with Baby

Saving for a baby is important. If you have a newborn on the way, especially if it’s your first, you may be a little panicky about expenses. Depending on where you live and the cost-of-living there, meeting your baby’s needs and child-care over the first couple of years can run upwards of $7,000 to $12,000 annually. (more…)

10 Ways to Cut Your Utility Usage in Half

Smart Thermostat

Looking to cut costs from the monthly budget? Knowing how to save on the electric bill is a good start. Whether it’s running big appliances too often or unnecessarily or simply leaving the thermostat turned up when no one is home, there are ways to trim your energy consumption in your house or apartment that could cut your electric bill in half, saving hundreds of dollars a year. To get started, here are 10 tips to save big on your electric bill: (more…)

Getting a Loan with Poor Credit – What You Need to Know

Hudreds

Looking to borrow money with a low credit score in the midst of a financial emergency can be troubling. If you’re out of options and wondering, “How can I get a loan with poor credit?” there are possibilities for consumers with limited borrowing options to get a loan. If you suddenly need money for a medical bill or to repair a car for work or an unexpected tax bill, even with a weak or low credit score, don’t give up on applying for a loan. Getting a loan with poor credit is still, by any other name, a personal loan. (more…)

Supporting Employees and Customers During COVID-19

At Tio Rico Te Ayuda Loan Centers, we understand this is an unprecedented and stressful time. I want to take a moment to address how we are responding to this situation.

We plan to keep our stores open, when we can, to support our customers essential needs for quick, easy and flexible loans. By keeping our doors open, we continue to support and secure jobs for our employees who depend on us and continue to be available for our customers’ needs in the communities we serve. (more…)