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Payday loans in Arizona

With APR capped at 36%, you'll want to explore your options beyond short-term loans.

Compare multiple lenders

  • Borrow $100 to $20,000
  • All credit types
  • Fast funding

Good for fast funding

  • Borrow up to $4,000
  • Get cash as soon as same business day
  • Easy application
  • Quick approval

Good for payment flexibility

  • Borrow up to $250
  • No interest or late fees
  • Get cash as fast as same-day

Payday loans are illegal in Arizona, but there are still other ways to supplement your budget and make everyday expenses more affordable.

Name Product Filter Values Loan amount Turnaround time Requirements
Smart Advances
Not rated yet
Smart Advances
$100 to $20,000
As soon as one business day after loan closing
Have a regular income, 18+ years old, be a U.S. citizen with a valid SSN, have an open bank account, meet any additional requirements your lender may have
Smart Advances was designed to help you request the loan you need, for any reason.
OppLoans Installment Loans
Finder Rating: 4.7 / 5: ★★★★★
OppLoans Installment Loans
$500 to $4,000
As soon as the same business day.
+18 years old, Receive paychecks through direct deposit, Meet minimum income requirements, Live in eligible state
Comes with the option to change your due date so you won’t fall behind on repayments.
Not rated yet
1 to 3 business days, or instant with a fee or Premium subscription
Bank account must have at least 60 days of activity, Balance must be above $0 and have an average minimum balance on pay day
Have up to $250 automatically deposited into your account — for a $9.99 membership fee.
Possible Finance Mobile Installment Loans
Up to $500
As fast as 1 business day
Checking account with 3+ months of banking history, $750+ monthly income, live in eligible state, ages 18+
Borrow up to $500 with just a few swipes — but only for residents of 21 states.
LendYou Short-term Loans
Finder Rating: 2.5 / 5: ★★★★★
LendYou Short-term Loans
$100 to $1,000
Same business day to 1 business day
$1,000+ monthly income, direct deposit, US citizen or permanent resident, ages 18+
Get offers from potential lenders in minutes by filling out just one online form.
MoneyLion Instacash advances
Up to $500 or $1,000 with RoarMoney account
Up to 5 days or instant for a fee
Bank account must have at least 60 days of activity, show recurring deposits and must have a positive balance
Fee-free, interest-free cash advances up to $250.
Fast5kLoans Short-term Loans Connection Service
Finder Rating: 3.5 / 5: ★★★★★
Fast5kLoans Short-term Loans Connection Service
$100 to $35,000
As soon as the next business day
Regular source of income, Verifiable bank account, US citizen, Ages 18+
Get connected with multiple lenders you might qualify with — even if you have bad credit.
CashNetUSA Loan
Finder Rating: 3.6 / 5: ★★★★★
CashNetUSA Loan
Varies by state
As fast as same business day
Regular source of income, bank account, US citizen or permanent resident, age of majority in your state
Sign up for its discount program to get access to coupons and deals on everything from dining out to tax services.

No. The law that permitted payday loans in Arizona expired on June 30, 2010 and consumer loans with APRs over 36% became illegal on July 1, 2010. In addition, lenders can no longer advertise the availability of short-term loans.
However, the change in law doesn’t mean every short-term lender had to close. Some businesses continue to offer other products and services, such as installment loans.

How else can I get a loan if I need extra cash in Arizona?

Payday loans may be off the table, but there are still three short-term loan options available to you in Arizona:

  • Installment loans. Installment loans are a short-term loan that lasts multiple months. But remember: The longer your loan term is, the more interest you may have to pay.
  • Auto title loans. Auto title loans require you to use your car’s title as collateral. These are often considered one of the more risky short-term options, but they can be an option if you need quick funding and know you can afford to repay what you borrow.
  • Tribal loans. Tribal lenders operate outside of federal and state regulations, which means you may be able to borrow a payday loan despite Arizona’s APR cap. Just be sure you understand the full cost of your loan before you sign.

What other short-term options are available in Arizona?

Arizona has a few programs that can help provide assistance when you’re in need. Here are a few of the programs available:

  • Low Income Energy Assistance Program (LIEAP)
  • Arizona Health Care Cost Containment System (AHCCCS)
  • Supplemental Nutrition Assistance Program (SNAP)
  • The Emergency Food Assistance Program (TEFAP)
  • Commodity Senior Food Program (CSFP)
  • Congregate and Home Delivered Meals
  • Cash Assistance
  • Child Care Assistance

We describe some of them in our guide to payday loan alternatives. You can also visit the Arizona Department of Economic Security website for more details on each program.

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. If you choose to apply for any kind of loan or line of credit, read all the paperwork — including the fine print — before committing. 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.

Bottom line

Payday loans may be off the table in Arizona, but there are plenty of other options for you to consider. As with all loans, be sure you have the ability to repay what you borrow. Creating a budget can help you determine how much you can afford.

Frequently asked questions

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