Home Arizona Payday Loan Lenders 2020
Kane Pepi

Are you based in the state of Arizona and need access to short-term funding? If so, you’ll be disappointed to learn that payday loans are actually banned in the state. Additionally, the promotion of short-term loans is also illegal – illustrating that Arizona has some of the strictest lending laws in the country. With that being said, there are a number of alternative funding sources that are perfectly legal in the state.

This includes the likes of personal loans, auto title loans, and Tribal loans. However, tread with caution if opting for a Tribal lender, as such providers operate under their own codes of practice – as opposed to state lending laws. This means that the lender can charge as much interest as they wish.

If you’re keen to find out what your best option is to meet your financing needs, we would suggest reading this article to discover the best alternatives to Payday Loans in Arizona in 2020. Within, not only do we explain the ins and outs of payday lending laws in the state, but we also give you a full breakdown of what your financing options are.


Note: We can’t stress enough how careful you need to be when using a Tribal lender in Arizona. State lending laws do not apply, so the Tribal loan provider can charge you an extortionate amount of interest. As such, never take on a Tribal loan without first knowing exactly how much you are paying in interest.

Why are Payday Loans Banned in Arizona?

Arizona Flag

State legislators in Arizona made the decision to outlaw payday loans in 2010. Before this, payday loan companies were widespread in the state. Consumers were flocking to such companies in the wake of the financial crisis, not least because payday loans offered access to fast and easy funding. In fact, even those with bad credit were able to get their hands on a payday loan. However, this came at a cost.

On average, payday loan companies operating in Arizona were charging in excess of 600% APR, which made the loans financially crippling. That was until 2010 when the law prevented payday loan companies from operating in the state. Instead – irrespective of the type of loan being facilitated, lenders based in Arizona can charge no more than 36% in interest.

Furthermore, if the loan amounts to more than $3,000, then a maximum of 24% APR can be charged on anything over this figure. This ensures that loan companies operate in an ethical manner and ensures Arizona residents are treated to fair interest terms. However, it is important to note that financing products packaged as payday loans still exist in Arizona.

These come in the form of Tribal lenders, which are not required to follow state lending laws. On the contrary, they can charge as much as they wish. Such loans allow you to borrow a few hundred dollars on a same-day basis, and some Tribal lenders operate as no credit check providers. In return, you should expect to pay a huge amount of interest.

Note: To clarify, if you were to take out a loan in Arizona for $5,000 – the most you could pay on the first $3,000 is 36% APR, and 24% APR on the remaining $2,000.

The good news for you is that a number of alternatives are available in Arizona. For example, traditional personal loans remain popular with residents, as you’ll benefit from the interest rate cap of 36%. If you don’t want to borrow a large amount, an additional option available in Arizona is to take an auto title loan, but you will need to own a car or motorbike to be eligible.

Best Arizona Alternatives to Payday Loans in 2020

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Alternatives to Payday Loans in Arizona


Although payday loans and short-term loans are not legal in Arizona, a number of alternative funding sources are available. The specific loan type that you opt for will depend on a number of factors. For example, if your credit rating is in good standing, you’ll benefit from some of the most competitive personal loan deals in the market. At the other end of the spectrum, those looking for a bad credit loan might be forced to consider a Tribal loan provider.

Nevertheless, below we have outlined the main loan options available to you as an Arizona resident.

Tribal Loans in Arizona

Bureau of Indian Affairs Crest

If you’re currently suffering from a bad credit rating – or you’ve got a history of falling behind on debts, then you might need to use a Tribal loan provider. As we noted earlier, Tribal loan companies operating in Arizona are not required to comply with state lending laws. Instead, such firms operate under Tribal Indian laws, meaning that they can charge as much interest as they see fit.

Tribal lenders in Arizona operate much the same way as conventional and online payday loan companies did before the ban in 2010. By this, we mean that you will be able to borrow a few hundred dollars, and you’ll likely be asked to repay the funds when you next get paid. In some cases, you might be able to extend the loan for an additional month or two, albeit, this will cost you in the interest department.

Most Tribal lenders in Arizona allow you to complete the loan application from the comfort of your own home. In fact, some lenders will consider your for a no credit loan application basis, so you might qualify even if your credit is really damaged. Once approved, you might have the loan funds deposited into your checking account later that day.

Note: If you are going to use a Tribal lender, make sure it is one that offers a soft credit check. This will allow you to view your interest rates without the search impacting your credit score.

The most important thing to remember is that you read through the digital loan agreement before signing it. This will outline the terms of the loan – including how much APR you are paying and when you need to repay the money. Crucially, although Tribal loan companies in Arizona do not abide by state lending laws, they are required to comply with Federal regulations. This at the very least offers an element of protection against unethical lending practices.

Pros and Cons of Tribal Loans in Arizona


  • Very similar to conventional and online payday loans
  • The application process can usually be completed online
  • Suitable for those looking for a poor or bad credit loan
  • Funding often executed as same day loans
  • Some lenders do not run credit checks
  • Flexibility on repayment terms
  • Unsecured loans


  • Tribal firms do not need to abide by state lending laws
  • Interest rates are often sky-high
  • Targets those with damaged credit and low incomes
  • Often hide behind shell companies

Personal Loans in Arizona

Personal Loans Decision Image

Depending on how much you need to borrow, opting for a personal loan is likely to be a much better option than using a Tribal lender. This is because you will benefit from state lending laws that places a cap on interest charges. As noted earlier, this amounts to a maximum APR of 36% up to the first $3,000 – and then no more than 24% after that. Personal loans are usually for a much larger amount than Tribal loans. As such, you should avoid borrowing more than you need – as the overall interest will likely cost you more anyway.

You also need to make some considerations regarding the term of a personal loan. Unlike payday loans or Tribal loans – which usually allow you to repay the money when you next get paid, personal loans are often for a minimum term of 1 year. In fact, it’s often more, so make sure you are comfortable with a longer loan term. On the flip side, your monthly repayments could be much lower, so this could ease some of the burdens when it comes to settling the debt.

Pros and Cons of Personal Loans in Arizona


  • Complete the entire application online
  • Interest rates are capped at 36% APR
  • Maximum of 24% APR after the first $3,000 borrowed
  • Funds usually transferred within 1-2 working days
  • These are unsecured loans
  • Repay the funds over a number of years


  • Not suitable for short-term financing – minimum term of 1 year
  • You’ll likely pay an origination fee
  • The best rates are reserved for good or excellent credit scores

Auto Title Loans in Arizona

Picture of car to represent autoloansAn additional financing option available in Arizona is that of an auto title loan. These are loans backed by a car or motorbike that you have full ownership of. In a similar way to homeowners loans, the amount that you will be able to borrow will be proportionate to the value of the vehicle. The process involves entering your vehicle registration number into the lender’s website, and the system will then let you know how much you can borrow.


As auto title loan companies have the security of your car or motorbike, you should be suitable even if your credit profile is below par. Using your vehicle as security also gives you the opportunity to borrow money at a much more favorable interest rate. Take note, state lending laws are fully applicable to auto title loans, meaning that you will never pay more than 36% in interest.

Note: You will only be eligible for an auto title loan if your name is registered on the vehicle’s logbook. You will be asked to provide a copy of this before the auto title loan is approved, so make sure that you have this to hand.

Finally, auto title loans are also becoming more and more popular in Arizona because lenders do not need to keep possession of your vehicle. Instead, they will ask you to sign a declaration form that gives the lender the legal remit to seize your vehicle in the event of non-payment. As such, only take out an auto title loan in Arizona if you are 100% sure that you can meet your monthly repayments.

Pros and Cons of Auto Title Loans in Arizona


  • Perfect for credit profiles of all shapes and sizes
  • You will still benefit from the 36% APR lending limit
  • Borrow an amount proportionate to the value of your car or motorbike
  • No need for the lender to keep the car – use it as normal
  • Funds transferred within 1-2 working days
  • Reduce your interest payments through a secured loan
  • Get an instant quote by entering your vehicle registration number


  • You can have your vehicle repossessed if you default on the loan
  • The car valuation might be less than you expect

Am I Eligible for a Loan in Arizona?

Whether or not you are eligible for a loan in Arizona will depend on a number of factors. The primary factor is your creditworthiness and financial standing in the eyes of the lender. For example, unless you are using a no credit check Tribal lender, it’s all-but-certain that you will have a credit check run on you. This will outline your historical relationship with debt – such as whether you’ve previously defaulted on a loan, and how many credit applications you’ve recently made.

Nevertheless, we’ve listed the main requirements that lenders in Arizona typically ask for to be eligible for financing.

  • Regular Source of Income: You’ll need to have an income of some sort to be approved for a loan in Arizona.
  • Minimum FICO Score: Some lenders will stipulate a minimum FICO score to be eligible.
  • Arizona Resident: All loan applicants must be a resident of Arizona. You might need to prove this via state ID.
  • 18 Years or Older: You also need to be aged at least 18 years old to get a loan in Arizona

How can I get a Loan in Arizona Today?

Are you based in Arizona and looking for fast funding today? If so, follow the quickfire guidelines outlined below.

Step 1: Choose an Arizona Online Lender

Payday LoansYour first port of call will be to determine the type of loan that best meets your individual financing requirements. For example, if you’re looking for a larger loan and want to repay the funds over a number of years, you’ll be best suited for a personal loan. Alternatively, if you only need to borrow a few hundred dollars – but your credit profile is somewhat damaged, you might need to consider a Tribal lender that operates in the state.


Once you’ve ascertained the type of loan that you want to go for, you then need to choose an Arizona lender. Make sure that the lender has an online presence so that you can complete the entire application from the comfort of your own home. Take time to assess how quickly the lender typically transfers the loan funds once approval has been granted.

Step 2: Apply Online

As is the case with all online lenders, you will need to head over the provider’s homepage and start the application process. You will initially be asked how much you want to borrow, and for how long. After that, you’ll be presented with the main application form. Within it, you’ll need to enter the following:

  • First and Last Name
  • Home Address
  • Date of Birth
  • State ID Number
  • Contact Details
  • Income After-Tax
  • Name and Address of Employer
  • How Long You Have Lived at Current Address

Step 3: Review Loan Terms

Once you submit the loan application with your chosen Arizona lender, you should get a decision in less than a minute. If the lender approves your application instantly, you will get to view your loan terms on-screen. This will consist of the interest rate applicable to the loan, and when you need to make your repayments.

Note: At this stage of the application, you will be under no obligation to take the loan terms that have been offered to you. On the contrary, if you find that the Arizona lender is too expensive, simply close the application down.

Step 4: Bank Details and Digital Loan Agreement

If you are OK with the loan terms that have been offered to you, the lender will then ask you to enter your checking account details. This is the bank account that the loan funds will be deposited in to. If the Arizona lender plans to take your repayments from your bank account automatically, you will need to set up an electronics debit agreement.

To complete the loan application process, you will need to sign the digital loan agreement. Make sure you read it thoroughly before you do!


In summary, by reading our guide from start to finish, you should now have a good understanding of how loans in Arizona work. Crucially, regular and online payday loans are no longer legal in the state, so you will need to consider an alternative option. At the forefront of the available options are personal loans and auto title loans. If you are really struggling to source finance you also have the option of using a Tribal loan company. These operate in a similar nature to payday loan firms – albeit, Tribal lenders are not required to comply with state financing laws.

As such, Tribal loans often come with highly adverse interest terms. Unfortunately, if you are currently in possession of a bad credit score – or you’ve got a history of falling behind on debts, this might be the only option available to you. If you really don’t have anywhere else to turn  – and a Tribal loan is the last resort option, then just make sure that you understand the underlying costs and make sure you pay back the full loan in the contracted period.

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Kane Pepi

Kane Pepi

Kane holds academic qualifications in the finance and financial investigation fields. With a passion for all-things finance, he currently writes for a number of online publications.