Payday Loans Arizona

Payday loans are prohibited in Arizona (Tucson, Phoenix, Mesa). However, there are other ways to get small loans for a short period.

Ways to Get Short-Term Loans in Arizona

Personal short-term loans offered in Arizona often require a credit check and come with high interest rates. The lender may also ask you to provide proof of income.

Each time you apply for a loan, your credit score could worsen even if you aren’t approved. If you opt for a lender that doesn’t do a credit check, you will probably have to pay huge interest.

The law in Arizona doesn’t define the maximum amount for short-term loans. The lender typically determines this loan amount based on your ability to repay it on a due date.

Personal loan terms are also defined by the lender. The longer the repayment period, the lower the monthly payment.

Be Cautious with Secured Loans

Other types of “fast” loans, such as car loans where borrowers can use their vehicle title as collateral, are legal in Arizona. Many of them have high or hidden fees and other unfavorable terms that may upset you. This makes a loan very expensive so you should be careful with secured loans in Arizona.

Alternatives to Payday Loans in Arizona (AZ)


In Arizona, you can apply for interest-free cash advances usually not exceeding $250 through Instacash without credit checks. It only takes 5-10 minutes to sign up via the mobile app 24/7. Create an account, link your bank account, and find out how much you can get. The service is free.

Credit Builder Loan

A Credit Builder Loan is another good way to get an instant loan. It is a perfect option for consumers who want to establish credit or want to improve it. Payment activity is reported to Equifax, Experian and TransUnion.

With a credit builder loan, you can get a loan not exceeding $1,000 in a few minutes and at a competitive rate. The lender does not do a credit check. You just need to link your checking account.

Payments are automatically withdrawn from your bank account, so you won’t miss the due date.