Payday loans in Arizona: what's allowed instead
Census ACS 2020–2024 5-year estimates; NCUA June 2026 call report; FDIC BankFind, Oct 2026.
Arizona payday loan rules at a glance
| Governing law | Consumer Lenders (A.R.S. Title 6, Ch. 5); former deferred presentment statute expired 2010 (A.R.S. § 6-632) |
|---|---|
| Fees / interest cap | 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. (A.R.S. §§ 6-632(A), 6-635) |
Your options in Arizona
Payday loans aren't offered by state-licensed lenders here, but you can still request a personal installment loan of $100 to $5,000 through our form. Installment loans spread repayment over several months, so each payment is smaller. See Arizona personal loans.
Compare neighboring states
Lenders must follow the law of the state where you live, not where you visit.
| State | Status | Max loan |
|---|---|---|
| California | Legal | Your personal check cannot exceed $300. |
| Nevada | Legal | A payday loan, together with the borrower's other outstanding loans from the lender, may not exceed 25% of the… |
| Utah | Legal | — |
| New Mexico | Not available | — |
| Colorado | Not available | $500. |
Personal loans by city in Arizona
Counties in Arizona
Show all 15 counties
Also see: Personal Loans in Arizona · Title Loans in Arizona · All Arizona loan options
Frequently asked questions
Are payday loans legal in Arizona?
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.
How much do payday loans cost in Arizona?
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.
What do I need to get a payday loan in Arizona?
Most lenders ask for a few basics: you must be a legal adult, with a valid government-issued ID, a steady source of income, an active checking account in your name, and a phone number and email. Some lenders also ask for recent pay stubs or bank statements. Having these ready makes our 3-minute form quick, and many Arizona applicants get a decision in minutes.
Can I get a payday loan online in Arizona?
Yes. You can request a payday loan online from anywhere in Arizona, using your phone or computer. Our secure form takes about 3 minutes and connects you with lenders in our network that serve Arizona residents. If you're approved, funds go straight to your checking account, often by the next business day. There's no cost to apply and no obligation to accept.
Can I get a payday loan on the weekend in Arizona?
You can submit our online form any time, including nights and weekends, and some lenders review requests right away. Funding depends on banking days, though, so money requested on a Saturday or Sunday typically arrives the next business day. Submitting early helps you get in line for the first available deposit. Arizona residents can start a request now; it takes about 3 minutes.
How much does a payday loan cost in Arizona?
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. Your lender shows the exact fee, total amount to repay, due date and APR before you sign, so you know the full cost upfront. There's no charge to use our form, and you're never obligated to accept an offer. Compare what lenders offer Arizona borrowers in about 3 minutes.