Payday loans in Phoenix, Arizona | finder.com
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.

Our top pick: OppLoans Installment Loans

  • Min. Loan Amount: $500
  • Max. Loan Amount: $5,000
  • Turnaround Time: 1 business day
  • Loan Term: 9 to 36 months
  • Requirements: Must have direct deposit and meet minimum income requirements
  • Easy online application
  • Quick approval
  • Fast funding
  • Long repayment terms

Our top pick: OppLoans Installment Loans

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

  • Min. Loan Amount: $500
  • Max. Loan Amount: $5,000
  • Turnaround Time: 1 business day
  • Loan Term: 9 to 36 months
  • Requirements: Must have direct deposit and meet minimum income requirements
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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.

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.

Read about changes to Arizona payday laws here

How else can I get extra money in Phoenix?

Compare possible loan options in Phoenix, Arizona

Updated April 26th, 2019
Name Product Filter Values Max. Loan Amount Turnaround Time Requirements
$5,000
1 business day
Must have direct deposit and meet minimum income requirements
Installment loans with competitive rates from a top-rated direct lender.
$2,600
1 to 2 business days
Must have an active checking account, regular source of income and email address.
Installment loans with repayment terms up to 30 months, depending on your state.
$2,500
1 business day
Must be employed and receive regular income, earn at least $800 a month, have a checking account and be an 18+ years old legal US citizen.
Get a flexible installment loan with fast funding through one easy online application form.
$2,500
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.
Get an installment loan from an online tribal lender. Perks for returning borrowers.
$15,000
1 business day
You must be a US citizen or permanent resident, age 18+ and have a regular income.
Apply online with this loan-connection service offering unrestricted short-term loans with fast turnaround.
$10,000
As early as 1 business day
Must have a monthly income of $1,000+ after taxes and valid checking account.
An online connection service for quick cash loans.
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.
Apply for a short-term loan with an easy online application and dedicated customer service.

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*
CashNetUSA Loan

Apply for a short-term loan with an easy online application and dedicated customer service.

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.

LendYou Short-term Loans

Apply online with this loan-connection service offering unrestricted short-term loans with fast turnaround.

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