Payday loans in Phoenix, Arizona |
Arizona Payday Loans

Compare your loan options in Phoenix, Arizona

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Read our guide on payday loans in Phoenix before you apply.

You won’t be able to get a payday loan anywhere in Arizona, including Phoenix, but you do have other options that might help you when you find yourself in a tight financial spot.

Are payday loans legal in Phoenix?

No, payday loans are prohibited in all of Arizona including Phoenix. If a lender wants to provide a consumer loan in Phoenix, it has to abide by Arizona Revised Statutes 6-601 et seq. The same laws also apply to out-of-state lenders that seek to provide online loans to residents of Phoenix. This comes after the new law that came into effect on July 1, 2010.

No lender can charge more than 36% APR for a loan. Since most payday lenders charge far more than that, they no longer offer their services in Phoenix.

You can learn about the changes to Phoenix law here

Why are payday loans illegal in Phoenix?

Arizona lawmakers determined that the high interest rates charged by payday lenders, usually into the hundreds of percents, was a predatory practice designed to keep people in debt. This is a common opinion held by many consumer advocate groups and lawmakers of other states, so in 2010, APR was capped at 36%.

All cities in the state are required to abide by this law. This means payday lenders must either close up shop or start offering loans at this APR.

How else can I get extra money in Phoenix?

Compare possible loan options in Phoenix, Arizona

Rates last updated August 20th, 2018
Unfortunately, none of the short term loan providers currently offer loans in your state. Learn more about short term loans in your state to find an alternative.
Name Product Product Description Max. Loan Amount Turnaround Time Requirements
OppLoans Installment Loans
Installment loans with competitive rates from a top-rated direct lender.
1 business day
Open to residents of AL, AK, AZ, CA, DE, FL, GA, ID, IL, IN, KS, KY, MI, MN, MO, MS, NE, NV, NM, OH, OK, OR, SC, TN, TX, UT, VA, WI and WY. Must have direct deposit and meet minimum income requirements.
CashUSA Installment Loans
As early as 1 business day
Monthly income of $1,000+ after taxes and valid checking account.
LendYou Payday Loans
Apply online with this loan-connection company offering unrestricted short-term loans at high maximums — fast turnaround.
1 business day
You must be a US citizen or permanent resident, age 18+ and have a regular income.
Slam Dunk Loans
Potentially get approved for a short-term loan through this lender-connection service, even with poor credit history.
As soon as next business day
Must be employed, receive regular income, earn at least $800 a month, have a checking account, be 18+ yrs old and a US citizen.
With straightforward, simple qualifications, these loans offer easy approval for people with poor credit.
Depending on lender requirements, people from all 50 states may not be eligible for a personal loan.
CashNetUSA Loan
Apply for a short-term loan with an easy online application and dedicated customer service.
Varies by state
1 business day
You must be a US citizen or permanent resident, be at least 18 years old and have regular income and a bank account.
Jora Installment Loans
Installment loans with repayment terms up to 30 months, depending on your state.
1–2 days
Must have an active checking account, regular source of income and email address.
Blue Trust Loans Installment Loans
Get an installment loan from an online tribal lender. Perks for returning borrowers.
As soon as next business day
Must be at least 18 years old and have a verifiable source of income with direct deposit into your checking account.

Compare up to 4 providers

Are there any alternatives to loans?

  • Find a local assistance program. The state of Arizona has options to help you if you’re struggling to make ends meet. Programs like the Cash Assistance Programs and the Low Income Home Energy Assistance Program (LIHEAP) are there for residents of Arizona.
  • See if you can get an advance on your credit card. If you have a credit card and haven’t maxed it out, you could take out an advance on the remaining line of credit. This option can be expensive, but when you need a little extra cash, it can make a difference.
  • Talk to your creditors. Although it may seem like a waste of time, explaining your financial situation to your creditors can help you negotiate a lower payment or a new schedule.

You can browse some more of your alternatives here

Installment loan locations in Phoenix, AZ

Installment loan locations in Phoenix

  • USA Cash Services. 8831 N 19th Ave, Phoenix, AZ 85021
  • CASH 1 Loans. 4246 W Northern Ave, Phoenix, AZ 85051
  • CASH 1 Loans. 1728 W Bell Rd, Phoenix, AZ 85023
  • CASH 1 Loans. 2415 E Thomas Rd #2, Phoenix, AZ 85016
  • CASH 1 Loans. 549 W Thomas Rd, Phoenix, AZ 85013
  • CASH 1 Loans. 4735 E Southern Ave, Phoenix, AZ 85042
  • ACE Cash Express. 2716 W Indian School Rd, Phoenix, AZ 85017
  • Direct Installment Loans. 2824 E Indian School Rd, Phoenix, AZ 85016
  • Maximum Title Loans. 2701 W Northern Ave, Phoenix, AZ 85051
  • Speedy Cash. 1551 E Indian School Rd, Phoenix, AZ 85014
  • Speedy Cash. 4040 N 40th St, Phoenix, AZ 85018
  • Check Into Cash. 4248 W Indian School Rd #101, Phoenix, AZ 85019
  • Check Into Cash. 1510 W McDowell Rd #1, Phoenix, AZ 85007
  • Check Into Cash. 610 E Baseline, Ste C-1, Phoenix, AZ 85040

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US Payday Loans Offers

Important Information*
Slam Dunk Loans

Potentially get approved for a short-term loan through this lender-connection service, even with poor credit history.

LendUp Payday Loans

LendUp offers $250 loans for first-time borrowers. Good credit is not required. Visit the site to see if available in your state.

Check into Cash Payday Loan

With 1,000 branches in 30 states, get $50 to $1,000 in days from this direct lender.

OppLoans Installment Loans

Installment loans with competitive rates from a top-rated direct lender.

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