Arizona Payday Loans

Compare your loan options in Arizona

Looking for a short term 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-dollar loan you might have considered a payday loan. Read through our guide to find out about payday lending in Arizona.

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 as of July 1, 2010.

However, the change in law did not mean that all short term 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 short term 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.
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 short term loans, you can apply even if you have less than perfect credit. Also like short term loans, there are some risks you should consider when applying.

Rates last updated June 25th, 2017
Max. Loan Amount Term of Loan Turnaround Time Costs
OppLoans Installment 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
NetCredit Installment Loan
Build a positive credit history with on-time payments through flexible repayment options that include credit card and money transfer.
$10,000 Varies upon state 1 business day Total costs will vary based on your state and credit score. 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
RISE Credit Installment Loans
Borrow only the funds you need with a flexible repayment schedule.
$5,000 Varied by state Next business day Varies depending on the amount and your state of residency. Go to site More
MoneyKey Installment Loan
Apply for an Installment Loan between $200 to $2,600, or to other loan products and receive your funds as quickly as one business day.
$2,600 Varies by state 1 business day* Varies by state of residency Go to site More
Cash Central Installment Loan
Pay monthly or biweekly over six to 24 months with lower APRs over your typical payday loan.
$5,000 6 to 24 months Overnight Depend on state specific laws as well as the amount of money you borrow. More
Blue Trust Loans Installment Loans
These loans act as an alternative to payday loans, and you don’t have to make payments in one large lump sum.
$1,250 6 months Quick approval APR varies More

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

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

  • 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.
  • Short term 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 with a service like eBay or LetGo, 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 non-sufficient 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.

Have any more questions about Arizona short term loans?

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

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

You should contact the Attorney General’s Office.

Where are payday loans available?

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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.
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US Payday Loans Offers

Learn about our information service
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.

OppLoans Installment Loans

Get a better personal loan of up to $5,000 with 9- to 24-month repayment terms, depending on 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.

Check City Payday Loan

Apply for a fast, secure and confidential payday loan — even with less-than-perfect credit.