Arizona Payday Loans

Compare your loan options in Arizona

Looking for a payday loan in Arizona? Here’s what you need to know.

Maybe you’ve hit a small snag and need a little extra cash to get you to your next payday. If you’re living in Arizona and looking for a small loan, you might have been considering a payday loan, but you’ll need to consider other options.

Are payday loans legal in Arizona?

Payday loans are no longer legal in Arizona. The law that permitted payday loans in Arizona expired on June 30, 2010, and consumer loans with annual percentage rates (APRs) over 36% became illegal on July 1, 2010.

However, the change in law doesn’t mean that all short-term lenders had to close. Some businesses continued operations by offering other products and services that are permitted by state law, such as installment loans. Lenders can no longer advertise the availability of short-term loans, with the exception of tribal lenders.

Keep in mind that if you choose to apply for any kind of loan or line of credit, it’s very important read all the paperwork (including the fine print) before committing to a contract. You should have a solid plan to pay back your loan, so you don’t find yourself needing to borrow more money to repay debt.

Installment loans you could apply for

Rates last updated December 12th, 2017
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 Maximum Loan Amount Term of Loan Turnaround Time Requirements
OppLoans Installment Loans
Installment loans with competitive rates from a top-rated direct lender.
$4,000
9 to 36 months
1 business day
Open only to residents of AL, CA, DE, GA, KS, ID, IL, MO, MS, NV, NM, OH, SC, TN, TX, UT, VA and WI. Must have direct deposit to demonstrate sufficient monthly income.
Slam Dunk Loans
Potentially get approved for a short-term loan through this lender-connection service, even with poor credit history.
$2,500
Varies by lender
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.
CashNetUSA Loan
Apply for a short-term loan with an easy online application and dedicated customer service.
Varies by state
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.
Blue Trust Loans Installment Loans
Get an installment loan from an online tribal lender. Perks for returning borrowers.
$2,000
6 months
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.
HonestLoans Installment Loans
Get a flexible installment loan with fast funding through one easy online application form.
$2,500
Varies by lender
As soon as one 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.
MaxLend Installment Loans
Get up to $1,000 as a first-timer, with loans of up to $2,000 and lower APRs for repeat borrowers.
$2,000
6 months
As soon as the next business day
Must be at least 18 years old and a US citizen, have a valid bank account and provide a verifiable source of income.

Compare up to 4 providers

Do I have other options if I need extra cash in Arizona?

While payday loans are off the table, there are other short-term loan alternatives.

  • Tribal loans. You can still get a payday loan if you apply with a tribal lender like SWIFT or Blue Trust Loans.
  • Pick up side work. Looking for side jobs or selling things online with a service like eBay or LetGo are some of the many ways people get extra cash when they’re in a bind.
  • Ask for a loan from family or friends. If you’re in a bad financial situation, you might want to consider asking someone close to you for a little bit of help. They’re unlikely to charge interest, and you have a longer repayment period.

If you’re looking for an option that doesn’t require you borrow money, you may want to look into some Arizona assistance programs. Cash Assistance Program and the Low Income Home Energy Assistance Program (LIHEAP) can help you make your bills more affordable.

There are other alternatives you can take a look at here

What are the typical costs of a loan in Arizona?

Lenders in Arizona can’t charge more than 36% APR. However, you need to also consider the possible fees a lender may charge when budgeting for your loan. These include non-sufficient funds (NSF) fees, late charges and possible collection fees if you default.

Bottom line

If you’re in need of some extra money, payday loans may be off the table, but there are plenty of other options for you to consider in Arizona. As with all loans, be sure you have the ability to repay what you borrow. Creating a budget can help you detertermine how much you can afford.

Have any more questions about Arizona short-term loans?

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US Payday Loans Offers

Learn about our information service
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.