Phoenix, AZ · West · Not permitted
Payday loans in Phoenix
Phoenix is governed by Arizona's statewide lending law — cities don't set their own loan rules. 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.
Lending storefronts in Phoenix
1,615,017 residents · Maricopa County Median household income is $47,326 — below the Arizona median of $53,864.
27 storefront locations of 12 companies listed in the public directory snapshot below. Categories are the directory's own — verify a store's license with the state regulator before borrowing.
| Lender | Address | Phone | Hours |
|---|---|---|---|
| CASH 1 Loans Title Loans, Installment Loans | 1728 W Bell Rd, 85023 | (602) 298-0394 | Mon 8:00 AM - 9:00 PM · hours vary |
| CASH 1 Loans Title Loans, Installment Loans | 2539 E Bell Rd, 85032 | (602) 996-4781 | Mon 8:00 AM - 9:00 PM · hours vary |
| CASH 1 Loans Title Loans, Installment Loans | 2415 E Thomas Rd. Ste 2, 85016 | (602) 955-8800 | Mon 8:00 AM - 9:00 PM · hours vary |
| CASH 1 Loans Title Loans, Installment Loans | 5050 W McDowell Rd, 85035 | (602) 362-1664 | Mon 8:00 AM - 9:00 PM · hours vary |
| CASH 1 Loans Title Loans, Installment Loans | 4246 W Northern Ave, 85051 | (623) 939-4300 | Mon 8:00 AM - 9:00 PM · hours vary |
| CASH 1 Loans Title Loans, Installment Loans | 4735 E Southern Ave, 85042 | (602) 454-1300 | Mon 8:00 AM - 9:00 PM · hours vary |
| CASH 1 Loans Title Loans, Installment Loans | 549 W Thomas Rd, 85013 | (602) 277-8673 | Mon 8:00 AM - 9:00 PM · hours vary |
| Checkmate Check Cashing/Pay-day Loans, Title Loans, Installment Loans | 5207 S Central Ave, 85040 | (602) 283-0598 | Mon 9:00 AM - 7:00 PM · hours vary |
| Credit Shrink Installment Loans | 40 N Central Ave, 85004 | (602) 734-9943 | Mon–Fri 12:00 PM - 8:00 PM · Sat–Sun Closed |
| Don Dinero Financial Installment Loans | 3024 W Van Buren St Ste 126, 85009 | (602) 257-6466 | Mon 10:00 AM - 6:00 PM · hours vary |
| Lendmark Financial Services Installment Loans, Auto Loan Providers | 9130 West Thomas Rd A-103 Algodon Ctr, 85037 | (623) 849-0804 | Mon–Fri 8:30 AM - 5:30 PM · Sat–Sun Closed |
| OneAZ Credit Union Banks & Credit Unions | 1925 W Happy Valley Rd, 85085 | (602) 644-4413 | Mon 8:30 AM - 6:00 PM · hours vary |
| OneMain Financial Debt Relief Services, Auto Loan Providers, Installment Loans | 4819 N 83rd Ave Ste 106B, 85033 | (623) 245-1669 | Mon 8:30 AM - 5:30 PM · hours vary |
| Oportun Installment Loans | 5869 S Central Ave, 85040 | (602) 281-8563 | Mon 11:00 AM - 6:30 PM · hours vary |
| Oportun Installment Loans | 1610 N 75th Ave, 85035 | (602) 282-8041 | Mon 11:00 AM - 6:30 PM · hours vary |
| Oportun Installment Loans | 2223 W Camelback Rd, 85015 | (602) 384-2356 | Mon 11:00 AM - 6:30 PM · hours vary |
| Oportun Installment Loans | 3130 E Thomas Road, 85016 | (623) 565-9110 | Mon 11:00 AM - 6:30 PM · hours vary |
| Oportun Installment Loans | 5127 W Indian School Rd, 85031 | (602) 281-8606 | Mon 11:00 AM - 6:30 PM · hours vary |
| Pacifica Lending Installment Loans, Check Cashing/Pay-day Loans | Phoenix, 85004 | (480) 637-2117 | Hours not listed |
| Paramount Financial Installment Loans, Business Financing, Auto Loan Providers | Phoenix, 85018 | (877) 948-6200 | Mon 8:00 AM - 5:00 PM · hours vary |
| Presto Loan Centers Title Loans | 2641 W Indian School Rd, 85017 | (602) 264-5554 | Mon 9:00 AM - 6:00 PM · hours vary |
| Speedy Cash Title Loans | 1841 W Northern Ave, 85021 | (602) 395-9400 | Mon 8:00 AM - 8:00 PM · hours vary |
| Speedy Cash Check Cashing/Pay-day Loans | 4040 N 40th St, 85018 | (602) 956-3802 | Mon 10:00 AM - 6:00 PM · hours vary |
| Speedy Cash Check Cashing/Pay-day Loans | 1551 E Indian School Rd, 85014 | (602) 351-2274 | Mon 8:00 AM - 8:00 PM · hours vary |
| Speedy Cash Check Cashing/Pay-day Loans | 5819 W Camelback Rd, 85031 | (623) 845-1911 | Mon 8:00 AM - 8:00 PM · hours vary |
Showing 25 of 27 locations — the rest are smaller branches of the same companies.
Listing data: public business directory, collected 2022-02-20. Stores close and relocate — confirm with the regulator's license lookup on the Arizona page before visiting. Spot an error? Report it.
The online route in Phoenix
The Arizona ban covers every lender serving Phoenix residents, online or off. Sites that still advertise high-fee short-term loans here route through partner banks or tribal charters outside state licensing — treat them accordingly.
From the online lenders directory — terms each lender publishes about itself, checked September 2026. Directory only: we are not affiliated and make no availability promises — verify with the lender and the Arizona regulator.
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 in Phoenix
Are payday loans legal in Phoenix, AZ?
No. Traditional high-cost payday lending is prohibited in Arizona; small loans are capped at 36% APR. The ban applies to Phoenix like every other city in the state — any store or site offering two-week, high-fee loans here is operating outside the law.
Where can I borrow legally in Phoenix?
Federal credit-union PALs (28% APR ceiling), installment lenders priced under the state cap, employer advances, and local assistance programs. Each costs a fraction of payday pricing.
A storefront in Phoenix offered me a payday loan. Is that legal?
No. The state ban covers every lender making loans to Arizona residents, wherever the company is based. Save the contract, the website and the payment details — they are evidence.
Who do I report an illegal lender to in Phoenix?
Complaints about a 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.