Payday loans in Arizona: what the law allows

No. Arizona doesn't allow payday loans at typical payday costs. Arizona allows car title loans.

Arizona

Payday loans

Not allowed

Car title loans

Allowed

“On a consumer loan in an original principal amount of three thousand dollars or less, a consumer loan rate of thirty-six per cent.”

Checked 2026-09-15. Laws change; confirm with the regulator before you borrow.

Before you borrow

A payment plan, a paycheck advance or a credit union payday alternative loan usually costs less than a payday or title loan.

Already behind on a payday loan?

See every way out of the debt you have, including options nobody sells.

The fee, the APR and what renewing the loan adds up to.

Credit union PAL limits, payment and cost next to a payday loan.

Every way to cover a shortfall, priced in dollars, cheapest first.

The warning signs of a fake loan offer, checked one by one.

Are payday loans legal in Arizona?

No. Arizona doesn't allow payday loans at typical payday costs.

Are car title loans legal in Arizona?

Arizona allows car title loans.

How do I check a lender's license in Arizona?

Look the lender up with Arizona Department of Insurance and Financial Institutions (DIFI), which licenses lenders in Arizona.

Do these rules protect service members?

Yes. The Military Lending Act limits payday and car title loans for covered service members to 36%, in every state.

Information, not legal advice. Laws change; confirm with the state regulator.