Arizona's payday-lending authorization sunset in 2010, and small consumer loans are now subject to a 36% APR cap that makes single-payment payday loans unprofitable to offer. Storefront and online payday lenders have largely exited the state. Residents needing short-term cash generally turn to lower-cost regulated alternatives.
Key limits in Arizona
- Cost note: 36% APR cap
Figures can change — always confirm current limits with the official source below before borrowing.
Payday loans aren’t available in Arizona. Here are options you can use instead:
- Credit-union payday alternative loans (PALs)
- Nonprofit emergency assistance programs
- Employer paycheck advances
- Payment plans with creditors
Source: Consumer Federation of America (paydayloaninfo.org) · last verified 2026-07-24 · pending second-source verification
This page is general information, not legal or financial advice. State laws change; verify current rules with your state regulator or the source above.