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Apply For Same Day Payday Loans Online in Arizona (AZ) with AdvanceSOS

Payday Loans in Arizona

People who have active means of income but are in need of urgent cash often turn to payday loans. This type of loan allows them to get the extra cash they need to settle their financial needs before their next payday. However, Arizona residents may have difficulty accessing this type of credit because Arizona is one of the few US states, along with others like Connecticut, Arkansas, and Maryland, where payday cash advances are considered illegal.

Can I Get a Payday Loan in Arizona on the Same Day?

Cash advances in the form of same day payday loans are not available in Arizona because short-term loan laws in the state prohibit it. Nevertheless, not all forms of small money loans are banned in the state. You may still be able to get money urgently in Arizona by applying for same day personal loans, installment loans, or title loans. 

How Many Payday Loans Can You Have in Arizona?

Unlike states that allow payday loans, such as Iowa, cash advances are not readily available in Arizona. Strict laws make it illegal for payday lenders to operate in this state, meaning you are not permitted to get a cash advance in Arizona at all. 
However, you still have access to other forms of small money loans, including a personal loan, auto title loans, or an installment loan, which are repaid over a longer period. 

Does Arizona Allow Payday Loans?

No, Arizona does not allow payday cash advances. Before 2010, borrowers could apply to payday lenders and get up to $500. Lenders charged an APR (annual percentage rate) of 459% on $100 loans within 14 days. Current laws make this type of loan illegal. Short-term lenders can only provide credit in the form of installment loans or title loans. 

How to Apply for Payday Loans in Arizona?

Although payday cash advances are not available in Arizona, you can apply for other payday loan alternatives that are legal. To get a loan, you simply need to fill out an online form and provide basic information, such as your proof of employment, pay stubs, valid means of identification, and contact information. 
In the case of a title loan, you may be required to provide supporting documents like your car’s title. The loan company will review the details you have provided and send the money you need to your bank account once the loan is approved.

Can I Get a Payday Loan in Arizona With Bad Credit?

Payday loans are not readily available in Arizona. Fortunately, other forms of short-term credit are open to borrowers with low credit scores. This means you are still eligible to apply for a loan even if your credit score is poor. However, lenders usually consider the applicant’s credit history to determine their ability to repay the loan. 

Can I Get a Payday Loan in Arizona With No Credit Check?

Yes, short-term loan providers don’t need to do a hard credit check before giving you a loan. Nonetheless, the loan application process may involve other methods of checking your credit history before processing your loan. Specific requirements for no credit check loans may vary from one lender to the other, depending on the loan type you want to get. 

Why Is AdvanceSOS the Best Solution for Online Payday Loans Alternatives?

AdvanceSOS is a connection service, not a lending company. So, we connect borrowers with loan lenders near them, offering the best rates and loan terms through a simple online application process with quick approval. Some of the benefits of applying for Arizona loans online through AdvanceSOS include: 
– Find lenders near you offering the best loan terms 
– Access different loan types with favorable terms 
– Fill out an online form and get approved for a loan within minutes 
– Apply online from anywhere and on any device

Updated: Oct 1, 2023

What Are The Current Regulations for Payday Loans in Arizona?

Law status available
MIN Loan Amount $100
MAX Loan Amount $1,000
MIN. Loan Term 14 days
MAX. Loan Term 31 days
Additional fees Not limited
NSF fee None
Collateral or guarantor None, unsecured
Number of simultaneous loans None
Cooling off period None
Rollover None
Extension, repayment plan None
Default penalties None
Credit score requirements Available for Bad Credit

Where Can We Help You Apply for Loans in Arizona?

AdvanceSOS offers quickly help you find the best loan offers in cities like Phoenix, Tucson, Mesa, Casa Grande and Chandler.




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