Loans in Maricopa County, AZ: payday, personal & title options
U.S. Census Bureau, ACS 2020–2024 5-year estimates for Maricopa County, AZ.
The median household in Maricopa County earns $89,300 a year, 12% above the Arizona median of $79,964. About 11% of residents live below the federal poverty line, and 34.8% of households rent their home.
What you need for a personal loan in Maricopa County
Lenders that serve Maricopa County typically ask for the following:
- Be 18 or older and a US resident
- Your Social Security number for identity verification
- A steady source of income
- An active checking account in your name
- A working phone number and email address
Popular loan amounts in Maricopa County
What Maricopa County borrowers use it for
deposits, trucks and first-week expenses
Rent duecover a short gap before payday
Emergencieshandle the unexpected the same week
Medical billspay a doctor, dentist or pharmacy bill now
Loans for your situation
Which loans are available in Maricopa County
Payday Loans Not available
Arizona has no payday-loan licensing law.
Personal Loans
36% a year up to $3,000; 24% on the part above $3,000 (consumer loans up to $10,000).
Title Loans Legal
Car-title loans are legal in Arizona as "secondary motor vehicle finance transactions" under A.R.S.
Banks and credit unions in Maricopa County
Banks with branches in Maricopa County
640 FDIC-insured bank branches from 60 banks. Many banks offer small-dollar loans or overdraft lines to existing customers.
| Bank | Branches | Example location |
|---|---|---|
| JPMorgan Chase Bank, National Association | 123 | 402 E Monroe Ave, Buckeye 85326 |
| Wells Fargo Bank, National Association | 87 | 2 N Central Ave, Phoenix 85004 |
| Bank of America, National Association | 76 | 5755 N 19th Ave, Phoenix 85015 |
| PNC Bank, National Association | 48 | 3003 N Central Ave, Phoenix 85012 |
| U.S. Bank National Association | 44 | 3800 N Central Ave, Phoenix 85012 |
| BMO Bank National Association | 39 | 51 East Camelback Road, Phoenix 85012 |
| MidFirst Bank | 22 | 3631 E Baseline Rd, Gilbert 85234 |
| UMB Bank, National Association | 21 | 7655 W Thunderbird Rd, Peoria 85381 |
| First National Bank Texas | 17 | 6150 S 35th Ave, Phoenix 85041 |
| Zions Bancorporation, N.A. | 16 | 219 N 4th St, Buckeye 85326 |
Source: FDIC BankFind Suite, retrieved Oct 2026.
Credit unions in Maricopa County
202 credit-union locations from 39 credit unions.
| Credit union | Location |
|---|---|
| Mountain America | 5910 W Northern Ave, Glendale 85301 |
| American Airlines | 3800 E Sky Harbor Blvd Terminal 4, Phoenix 85034 |
| Sunwest | 5323 N 99Th Ave Ste 220, Glendale 85305 |
| Vantage Point | 19825 N 7Th St, Phoenix 85024 |
| Em | 50 W Iron Ave, Mesa 85210 |
| Navy Federal Credit Union | 4212 E Juanita Ave, Mesa 85206 |
| Pentagon | 3003 N Central Ave Ste 1600, Phoenix 85012 |
| America First | 6846 E Warner Rd, Mesa 85212 |
| Global | 14224 N Scottsdale Rd, Scottsdale 85254 |
| Desert Financial | 5140 W Baseline Rd, Laveen 85339 |
| Oneaz | 1812 W Monroe St, Phoenix 85007 |
| Vantage West | 10855 N Tatum Blvd, Phoenix 85028 |
Source: NCUA credit union branch data, June 30, 2026.
Cities in Maricopa County
All Arizona counties and cities
Frequently asked questions
Are payday loans legal in Maricopa County?
Maricopa County follows Arizona law. Arizona has no payday-loan licensing law.
Are title loans legal in Maricopa County?
Car-title loans are legal in Arizona as "secondary motor vehicle finance transactions" under A.R.S.
Where can I get a small loan in Maricopa County?
Options include 640 bank and 202 credit-union locations in the county, licensed installment lenders, and online lenders you can reach through our short form in about 3 minutes.
How do I get a loan in Maricopa County?
Fill out our short online form from anywhere in Maricopa County. We share it with lenders in our network that serve Arizona; if one approves you, you review the terms and the money is deposited to your bank account, often the next business day.
Can I get a loan in Maricopa County with bad credit?
Yes, many lenders in our network work with Maricopa County residents who have fair, poor or limited credit. They look at your income and ability to repay, not just your score, and some use alternative credit data instead of a traditional hard pull. Approval isn't guaranteed, but checking is free and takes about 3 minutes. Loan amounts range from $100 to $5,000.
Where can I get a loan in Maricopa County, AZ?
You can apply at banks, credit unions and lenders in Maricopa County, or apply online from anywhere in the county. Online requests are often the quickest way to reach several lenders at once. Our free form sends a single request to lenders in our network that serve Arizona residents, and many give a decision within minutes. It takes about 3 minutes to see if you qualify.
Can I get a loan in Maricopa County on the weekend?
You can submit our online form any day, including weekends and holidays, and some lenders review requests right away. Deposits depend on banking days, so funds requested on a Saturday or Sunday typically arrive the next business day. Submitting early helps you get the first available deposit. Maricopa County residents can start any time, and it takes about 3 minutes.
Can I get an emergency loan in Maricopa County?
Yes. When an unexpected bill comes up, Maricopa County residents can request an emergency loan online at any time of day. Our 3-minute form reaches multiple lenders in our network, many decide within minutes, and approved funds are often deposited by the next business day. All credit types are considered, and there's no cost or obligation to see your options.