Arizona payday loans are no longer legal

Information verified correct on March 26th, 2017

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

Due to the astronomical interest rates and the frequency of borrowers defaulting on their loans, 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 as of July 1, 2010.

However, the change in law did not mean that all payday lenders had to close up shop. Some businesses continued operations by offering other products and services that are permitted by the state law, such as installment loans. Lenders can no longer advertise availability of payday loans in the state, 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 all the fine print) before signing anything. It’s also a good idea to have a solid plan to pay back your loan, so you don’t find yourself needing to borrow more money to repay debt. Go through this guide to find out about your alternatives.

The hidden consequences of payday loans

Installment loans you could apply for

Installment loans are legal in Arizona and have to be repaid in equal installments over a fixed loan term. Like payday loans, you can apply even if you have less than perfect credit. Also like payday loans, there are some risks you should consider when applying.

Rates last updated March 26th, 2017
Unfortunately, none of the personal loan providers have a loan for that credit score. It you are urgent need of a small loan, you might want to check out a short term loan.
Max. Loan Amount Term of Loan Turnaround Time Costs
NetCredit Installment Loan
Build a positive credit history and borrow up to $10,000 with Net Credit.
$10,000 Varies upon state 1 business day Total costs will vary based on your state and credit score. Go to site More
Cash Central Installment Loan
Get a Payday Loan from a state licensed CFPB regulated lender, and look forward to accessing approved funds quickly.
$5,000 Varies Overnight Depend on state specific laws as well as the amount of money you borrow. Go to site More
OppLoans Personal Loans
Get a better personal loan of up to $5,000 with 9- to 24-month repayment terms, depending on your state.
$5,000 9 to 24 months 1 business day Depends on state of residency. Go to site More
Check City Installment Loan
Even if you have poor credit, apply with this short-term loan specialist offering quick disbursement and referral rewards.
$2,500 Varies Next Day Depends on state of residency. Go to site More

Have we missed anything in the comparison table? Tell us

  • If the provider quotes a different rate to the one above please let us know

Title loans you could apply for

An auto title loan is one where you use a motorcyle or a car to serve as collateral. Since these loans are secured by your transport, you don’t need perfect credit to apply. Be careful when applying for title loans as well, the interest rates are very high and you will lose your vehicle if you default on the loan.

What other options do I have if I need extra cash in Arizona?

While payday loans are off the table, there are other alternatives. These include:

  • Personal loans. To apply for an Arizona personal loan through a standalone lender or a bank you should ideally have fair to good creditworthiness, but you have some options even if you don’t. The interest such loans attract is typically lower than what you’d have to pay towards an installment loan or an auto title loan, and the payments may be more flexible.
  • Apply for a credit card. Whether you have good or bad creditworthiness, there is a huge selection of credit cards worth considering if you need extra money. Credit cards also have more reasonable payments and lower interest rates.
  • Tribal loans. If you live in a state like Arizona where payday loans are illegal, you still have the option of getting one if you go through a tribal lender like SWIFT or Blue Trust Loans. Since these lenders are based on tribal land, they are considered a sovereign entity and are able to abide by their own laws.
  • Payday loans from other states. If you’re in Arizona temporarily but are normally a resident of a state where payday loans are legal, you can consider applying for an online payday loan. To do this you’ll have to provide documented evidence of your residence in another state. Also make sure the lender is backed by the OLA or similar.
  • Pick up side work. Looking for side jobs, selling things online, or signing up to drive with a company like Uber are some of the many ways people get extra cash when they’re in a bind. It’s a great alternative to getting a loan or credit card because there is nothing to repay.

Find out your credit score here

What are the typical costs of an Arizona loan?

No matter what kind of loan you apply for, you will have to pay more than you borrow. If you get any kind of a consumer loan in Arizona you can be certain that the APR will not exceed 36%, but you may also have to pay some authorized fees. If a check or an electronic payment does not go through because of insufficient funds in your account you may have to pay a nonsufficient funds (NSF) fee. Late payments can also attract penalty fees. If your account reaches collections because of unpaid installments or charges, you may have to pay additional fees.

Are payday loans available in my state?

Have any more questions about Arizona payday loans?

Why did payday loans in Arizona become illegal?

The very high loan costs that borrowers had to bear led to the end of payday lending in Arizona.

Do lenders such as Check Into Cash and Check N Go provide payday loans in Arizona?

No, as payday loans are illegal in Arizona these lenders don’t provide payday loans in this state. However, Check Into Cash provides auto loans in Arizona.

Who should I get in touch with if I wish to report a problem with a short-term loan provider?

You should contact the Attorney General’s Office.

Was this content helpful to you? No  Yes

Ask a Question

You are about to post a question on

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Disclaimer: At we provide factual information and general advice. Before you make any decision about a product read the Product Disclosure Statement and consider your own circumstances to decide whether it is appropriate for you.
Rates and fees mentioned in comments are correct at the time of publication.
By submitting this question you agree to the privacy policy.

US Payday Loans Offers

Learn about our information service
Check into Cash Payday Loan

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

LendUp Payday Loans

Climb the LendUp Ladder with this unique borrowing platform offering credit reporting and $250 loans for first-time borrowers.

SWIFT Payday Loan

Access multiple lenders with a 5-minute application for a cash advance on your paycheck.

CashNetUSA Loan

Apply for a $300 to $2,250 short-term loan, installment loan or line of credit with a day’s turnaround.