Arizona Loans 2024 – Online Payday Loans in AZ

Q: 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.

The Best Loans in Arizona 2023: Compare Loan Rates

Written by: Joe Chappius

Last updated: January 3, 2024

Financer.com helps you compare online loan rates in Arizona. Compare different loan options in Arizona and read more about the payday loan laws in the state.

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Compare Loans in Arizona for April 2024

Borrow $1,000 for a period of 6 Months.

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Amount: $1,000 | Period: 6 Months

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recommended

Chosen 5,757 times

4.9

Read 11 reviews

recommended

Chosen 5,757 times

Loan amount

$1,000

APR:

5.99% - 35.99%

Total Payment

$1,017.57

for 6 months

Monthly payback

$169.60

for 6 months

4.9

Read 11 reviews

Open right now

High approval rate

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Customer Type

All

Borrow up to

$50,000

Estimated Payback

13/10/2024

Weekend Payout

Age

11 Reviews

4.9

Interest & Costs

Flexibility & Terms

Website & Functionality

Support & Service

View Company Profile

Chosen 92,619 times

3.7

Read 36 reviews

Chosen 92,619 times

Loan amount

$1,000

APR:

5.99% - 35.99%

Total Payment

$1,017.57

for 6 months

Monthly payback

$169.60

for 6 months

3.7

Read 36 reviews

Open right now

Most chosen

Get Started

Customer Type

All

Borrow up to

$10,000

Estimated Payback

13/10/2024

Weekend Payout

Age

36 Reviews

3.7

Interest & Costs

Flexibility & Terms

Website & Functionality

Support & Service

View Company Profile

recommended

Chosen 33,148 times

4.9

Read 17 reviews

recommended

Chosen 33,148 times

Loan amount

$1,000

APR:

5.99% - 35.99%

Total Payment

$1,017.57

for 6 months

Monthly payback

$169.60

for 6 months

4.9

Read 17 reviews

Open right now

Get Started

Customer Type

All

Borrow up to

$35,000

Estimated Payback

13/10/2024

Weekend Payout

Age

17 Reviews

4.9

Interest & Costs

Flexibility & Terms

Website & Functionality

Support & Service

View Company Profile

Chosen 27,204 times

4.0

Read 25 reviews

Chosen 27,204 times

Loan amount

$1,000

APR:

5.99% - 35.99%

Total Payment

$1,017.57

for 6 months

Monthly payback

$169.60

for 6 months

4.0

Read 25 reviews

Open right now

Lowest cost

Get Started

Customer Type

All

Borrow up to

$10,000

Estimated Payback

13/10/2024

Weekend Payout

Age

25 Reviews

4.0

Interest & Costs

Flexibility & Terms

Website & Functionality

Support & Service

View Company Profile

recommended

Chosen 6,677 times

5.0

Read 4 reviews

recommended

Chosen 6,677 times

Loan amount

$1,000

APR:

5.99% - 35.99%

Total Payment

$1,017.57

for 6 months

Monthly payback

$169.60

for 6 months

5.0

Read 4 reviews

Open right now

Get Started

Customer Type

All

Borrow up to

$35,000

Estimated Payback

13/10/2024

Weekend Payout

Age

4 Reviews

5.0

Interest & Costs

Flexibility & Terms

Website & Functionality

Support & Service

View Company Profile

Important

Please note that loan amounts, interest rates and other loan terms may vary according to your state and credit profile.

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How to Compare Loans in Arizona

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Best Rated Personal Loans

Find the best rated lenders for loans in Arizona

5.0

Based on 4 reviews

5.0

Based on 4 reviews

5.0

Based on 14 reviews

4.9

Based on 7 reviews

4.9

Based on 12 reviews

4.9

Based on 17 reviews

4.9

Based on 8 reviews

4.8

Based on 5 reviews

4.8

Based on 4 reviews

4.7

Based on 3 reviews

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.

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The Advantages of Online Loans in Arizona

Online Personal Loans Are Convenient

Get Funds As Soon As The Same Day

Apply Anywhere, Anytime

Less Paperwork Required

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, 30^th,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.

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Get the Loan You Need

An online personal loan can help when you need cash for large purchases or unplanned expenses.

Holiday

Wedding

Home Renovations

Bills

Shopping

Education

Arizona Payday Loan Regulations

Legal Status	Prohibited
Interest Rate (APR)	36% usuary cap

Updated April 7 2022

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.

Find a loan in AZ

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.