How to Compare Loans in Arizona
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Online Loans in Arizona
Are you in dire need of a short-term loan in Arizona? Maybe you need a little extra cash to push you through the next payday, or you are looking to take out a personal loan to cover bigger expenses?
Compare online loans in Arizona with our loan comparison tool above, or read more about online payday loan laws in Arizona below.
The Advantages of Online Loans in Arizona
Regulations On Payday Loans in Arizona State
The short answer is no. Payday loans are no longer legal in Arizona after the law permitting payday loans in this state expired on June, 30th, 2010.
Consumer loans with an annual percentage rate exceeding 36% also became illegal that same year.
However, short-term lenders did not close shop. Arizona payday loans still became available to borrowers.
Some businesses continued to offer other products and services such as Arizona installments which are still permitted by the state.
Lenders can't advertise short-term loans to the public. The only exception to this rule is for tribal lenders like SWIFT or Blue Trust Loans.
Get the Loan You Need
An online personal loan can help when you need cash for large purchases or unplanned expenses.
Arizona Payday Loan Regulations
| Legal Status | Prohibited |
| Interest Rate (APR) | 36% usuary cap |
After the ban in 2010, a new type of consumer loan was approved for Arizona Lenders in 2015.
These were referred to as ‘flex loans’ which were meant for consumers facing financial difficulty to qualify for small loans.
The ‘flex loans’ are not payday loans but still do carry high default rates and expensive underwriting costs.
Many payday loans in Arizona are now considering converting to other options such as car title or auto title loans.
Installment Loans and Personal you Could Apply for in Arizona
Arizona installment loans have a fixed term over which you are supposed to repay in equal parts. Just like an Arizona cash advance, you can still apply even with a poor credit history, although it’s always wise to gauge the risks involved with personal loans in AZ for bad credit.
You could also consider payday loans from other states where this type of lending is legal.
Applying online is quick and convenient, as long as you provide documented evidence of your residence in another state.
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Compare Arizona Loans at Financer.com
Financer.com helps you compare the best personal loans in Arizona and get the best loan rates from leading lenders.
We look for lenders that offer full transparency and have a long track record of successful lending and satisfied customers. We are always improving our comparisons, but are confident in what we can bring to market, and we know you will be as well.
Use our free loan comparison tool to find the right personal loan in Arizona and take the guesswork out of doing all the legwork yourself.
Arizona Loan FAQs
Are payday loans legal in Arizona?
No. Payday loans are prohibited in Arizona and all loan providers are limited to a maximum of 36% APR.
What is a flex loan in Arizona?
Flex loans are meant for consumers facing financial difficulty to qualify for small loans. Flex loans are not payday loans but still have high default rates and expensive underwriting costs.
How much can I borrow in Arizona?
Personal loans vary by lender and it's best to compare loan offers from leading online lenders before you choose the best offer. Your application will include a credit assessment and your offer may be based on your loan history.
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