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Payday Loans in Arizona: No Longer Licensed. Here Are the Legal Options

Arizona no longer licenses payday loans: the law that allowed them expired. Below is what the law says, and the licensed ways to borrow in Arizona that we track.

What Arizona law says

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.

Source: Former A.R.S. §§ 6-1251 to 6-1263 (expired 2010-06-30); DIFI FAQ · verified Oct 9, 2026

This means no lender holds a Arizona license to make payday loans. A payday loan offered to someone in Arizona, in a store or online, would not come from a lender licensed for it in Arizona.

Licensed lenders in Arizona

These types of lenders operate legally in Arizona, each under its own rules and costs. Compare the total cost before you borrow.

If someone offers you a payday loan in Arizona

Some lenders based in other states or online still advertise payday loans to Arizona residents. A loan from a lender that is not licensed in Arizona may not come with the protections that licensed lenders must give, such as cost limits and complaint rights. Before you borrow, check that the lender is licensed in Arizona using the Arizona DIFI license search.

To report a lender or ask a question, contact the Arizona Department of Insurance and Financial Institutions (DIFI).

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).

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

Sources

Where the facts on this page come from, and when we last checked them.

  1. Former A.R.S. §§ 6-1251 to 6-1263 (expired 2010-06-30); DIFI FAQ · Payday loan ban Last verified Oct 9, 2026 · high confidence
  2. Arizona Department of Insurance and Financial Institutions (DIFI) · Licensing and complaints Date not recorded

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.