Tucson, AZ · West · Not permitted
Payday loans in Tucson
Tucson 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 Tucson
530,706 residents · Pima County Median household income is $37,149 — below the Arizona median of $53,864.
4 storefront locations of 4 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 |
|---|---|---|---|
| Lendmark Financial Services Installment Loans, Auto Loan Providers | 5373 S Calle Santa Cruz Ste 233, 85706 | (520) 367-2035 | Mon–Fri 8:30 AM - 5:30 PM · Sat–Sun Closed |
| Oportun Installment Loans | 3386 6th Ave, 85713 | (520) 200-4091 | Mon 11:00 AM - 7:00 PM · hours vary |
| Ready Money Check Cashing/Pay-day Loans, Title Loans, Installment Loans | 4664 E Speedway Blvd, 85712 | (520) 784-0100 | Mon 9:00 AM - 6:00 PM · hours vary |
| Speedy Cash Check Cashing/Pay-day Loans | 2351 N Alvernon Way Ste 100, 85712 | (520) 881-2274 | Mon 8:00 AM - 8:00 PM · hours vary |
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 Tucson
The Arizona ban covers every lender serving Tucson 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 Tucson
Are payday loans legal in Tucson, AZ?
No. Traditional high-cost payday lending is prohibited in Arizona; small loans are capped at 36% APR. The ban applies to Tucson 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 Tucson?
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 Tucson 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 Tucson?
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.