Loans in Arizona: payday, personal & title loan laws (2026)

Arizona has no payday-loan licensing law. Its deferred presentment statute expired on June 30, 2010. Small consumer loans from licensed consumer lenders are capped at 36% a year, which leaves no room for the two-week, triple-digit-APR product.

Licensed consumer lenders may charge up to 36% a year on consumer loans of $3,000 or less (lower tiers above $3,000), plus limited allowed fees.

Car-title loans are legal in Arizona as "secondary motor vehicle finance transactions" under A.R.S. Title 44, Chapter 2.1. Monthly rate caps run from 17% down to 10%, depending on loan size.

Maximum monthly finance rate by original principal: 17% for $500 or less; 15% for over $500 to $2,500; 13% for over $2,500 to $5,000; 10% for over $5,000. The annual rate is the monthly rate x 12 and must be shown in the contract.

36% a year up to $3,000; 24% on the part above $3,000 (consumer loans up to $10,000).

Yes. Unless exempt, anyone, in Arizona or another state, must be licensed as a consumer lender to make or procure consumer lender loans to Arizona consumers.