West · Not permitted
Payday loans in Arizona
Payday lending is not permitted in Arizona. Any company offering two-week, high-fee loans here is operating outside state law — the state regulator is the right place to report it.
No license exists for this product in this state, so any lender offering it deserves a report.
The rules behind the numbers
Traditional high-cost payday lending is prohibited in Arizona; small loans are capped at 36% APR.
Statute: A.R.S. § 6-601 et seq.
Regulator: Arizona Department of Insurance and Financial Institutions · difi.az.gov
Questions people ask here
Is payday lending legal in Arizona?
No. Traditional high-cost payday lending is prohibited in Arizona; small loans are capped at 36% APR. Any storefront or site offering two-week, high-fee loans to Arizona residents is operating outside the law.
What are my legal alternatives in Arizona?
Federal credit-union small-dollar loans (PALs), installment lenders priced under the state cap, employer advances, and local assistance programs. Each costs a fraction of payday pricing.
A lender offered me a payday loan online anyway. Is that legal?
No. The ban applies to offers made to Arizona residents no matter where the company is based. Save the website, the contract and the payment details.
Who do I report an illegal lender to?
Complaints about a licensed lender go to the Arizona Department of Insurance and Financial Institutions (difi.az.gov) — keep the loan agreement and every fee disclosure you were given.