Arizona (AZ) lender directory

Installment Loans in Arizona

Looking for an installment loan near you in Arizona? Pick your city below. We list 20 stores in 13 Arizona cities, built from lenders' own store pages. Data last checked October 9, 2026.

Read our guide: Installment Loans vs. Payday Loans: Costs, Terms and Which Is Safer

Payday loans in Arizona: no longer licensed →

Installment loans by city

Installment loans in Arizona: the rules

A licensee can charge a late fee of 5 percent of any installment not paid in full within seven days of its due date. Source: A.R.S. § 6-635(A)(1) · verified Oct 9, 2026
If a precomputed consumer loan is prepaid in full, the lender must refund the precomputed finance charges that apply to the fully unexpired months. Source: A.R.S. § 6-634(B) · verified Oct 9, 2026

Lenders in Arizona are licensed by the Arizona Department of Insurance and Financial Institutions (DIFI). You can look up any license in its license search. See also online lenders and apps in Arizona.

Questions people ask

Are payday loans legal in Arizona?

No. Arizona no longer licenses payday lenders. Payday loans are not legal in Arizona: the law that allowed deferred presentment (payday) lending expired on June 30, 2010 and the state no longer licenses payday lenders. Consumer loans above 36 percent a year (plus authorized fees) have been illegal since July 1, 2010 (Former A.R.S. §§ 6-1251 to 6-1263 (expired 2010-06-30); DIFI FAQ).

How many installment lenders are in Arizona?

We list 20 installment lenders in Arizona, in 13 cities.

Which Arizona cities have the most installment lenders?

Tucson (5), Chandler (2), Mesa (2), Phoenix (2) and Flagstaff (1).

How much can lenders charge in Arizona?

A licensee can charge a late fee of 5 percent of any installment not paid in full within seven days of its due date (A.R.S. § 6-635(A)(1)). More limits are listed under the state rules on this page.

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

Lenders in Arizona are licensed by the Arizona Department of Insurance and Financial Institutions (DIFI). You can look up a license in its online license search, or use NMLS Consumer Access for lenders licensed through NMLS.

Answers are generated from the listings and verified rules on this page; see Sources below.

Sources

Listings, statistics and rules on this page come from these sources, with how many locations each one supplied.

OneMain Financial branches (AZ) · 17 locations Last verified Oct 15, 2026
Republic Finance locations (AZ) · 3 locations Last verified Oct 15, 2026
A.R.S. § 6-632(A)(1), A.R.S. § 6-632(A)(2)(a) · General rules Last verified Oct 9, 2026 · high confidence
A.R.S. § 6-601(7) · General rules Last verified Oct 9, 2026 · high confidence
A.R.S. § 44-1201(A)(2) · General rules Last verified Oct 9, 2026 · high confidence
Former A.R.S. §§ 6-1251 to 6-1263 (expired 2010-06-30); DIFI FAQ · Payday loans (deferred presentment) Last verified Oct 9, 2026 · high confidence
A.R.S. § 6-635(A)(1) · Installment and consumer finance loans Last verified Oct 9, 2026 · high confidence
A.R.S. § 6-634(B) · Installment and consumer finance loans Last verified Oct 9, 2026 · high confidence
A.R.S. § 44-1627(A)-(B) · Pawn loans Last verified Oct 9, 2026 · high confidence

We re-check sources regularly and show the date each was last verified. Spotted a mistake? Tell us and we'll check it against the source.

CashAdvance is not a lender and does not take applications. Listings are information only, built from public records (such as state license lists) and lenders' own published details. Confirm hours, fees and terms with the lender before you visit or borrow.