CashPayday Loans in Arizona
Payday lending has been prohibited in Arizona since 2010 due to concerns over predatory practices. Prior to the ban, borrowers in the state could take out small loans of up to $500, often with an average APR of 459% for a 14-day term. That same year, the law that had previously exempted payday lenders from the state's 36% annual interest rate cap expired. Since then, all state-authorized lenders must comply with the 36% APR limit.
Cash Day USA offers installment loans in Arizona as a fast and legal alternative. You can borrow up to $5,000 with a fixed APR of 36% or less, repayable over up to 24 months in scheduled installments. We accept applicants with bad credit, so even those who were previously denied payday loans can qualify.
Installment loans are suitable for larger emergency expenses, big purchases, and debt consolidation. With us, you can get funded within one business day.
What Do You Need to Apply?
Here is what we ask for to verify your loan eligibility in Arizona:
How to Get a Payday Loan in Arizona
Applying through Cash Day USA is a quick, simple, and secure process:
Request a Loan
Fill out our online form, visit our Mesa Arizona store at 2604 W University Dr, or call us at (888) 847-2909 to complete our 5-minute application. No paperwork or faxing required.
Wait for Approval
You will get a decision almost instantly due to no hard credit check involved in the underwriting process. Bad credit and no credit applicants are welcome.
Get Funded
Once approved, the money will be transferred to your bank account on the same* or next business day. Same-day funding is possible for loans originated before 10:30 AM on weekdays.
*Loans originated before 10:30 AM on weekdays are typically funded the same day. Applications after 10:30 AM or on weekends are processed on the next banking day.
Arizona Rates & Terms
Payday loans are prohibited in Arizona since 2010. All lenders in Arizona must comply with the 36% annual interest rate (APR) cap under state law.
Cash Day USA offers installment loans in Arizona with a fixed APR of 36% or less. You can borrow between $500 and $5,000, repayable over up to 24 months in fixed monthly installments. There are no hidden fees or application charges — all loan details are clearly stated in your loan agreement.
All lenders must be licensed by the Arizona Department of Insurance and Financial Institutions (DIFI).
| Loan Amount | Finance Charge | Total Payment | APR (14-day) | APR (31-day) |
|---|---|---|---|---|
| $500 | $180 (est.) | $680 | 36% | 36% |
| $1,000 | $360 (est.) | $1,360 | 36% | 36% |
| $2,500 | $900 (est.) | $3,400 | 36% | 36% |
| $5,000 | $1,800 (est.) | $6,800 | 36% | 36% |
How Arizona Laws Protect You
Arizona law and state regulations are designed to give borrowers important protections:
About Cash Day USA in Arizona
Cash Day USA is a company that cares about the community it serves in Arizona. We help bad credit borrowers get fast and reliable financial solutions at favorable terms. Our Mesa, AZ store at 2604 W University Dr serves residents across the Phoenix metro area including Tempe, Scottsdale, Chandler, Gilbert, and surrounding cities.
It will take you just a few minutes to complete our application form. We protect your data using encryption protocols and do not share it with unaffiliated third parties. All loan details are clearly stated in your loan agreement — there are no hidden fees or application charges.
Cash Day USA is a licensed Arizona lender regulated by the Arizona Department of Insurance and Financial Institutions (DIFI). Our branch manager Tiller Martin and team are dedicated to transparent, fair lending.
Payday loans are prohibited in Arizona. Cash Day USA offers installment loans as a legal alternative. Installment loans are designed for short-to-medium term financial needs. The maximum APR is 36% per year. Make sure you understand the total cost of your loan before signing. Only borrow what you need and can repay comfortably. If you have ongoing financial challenges, consider credit counseling or contact the Arizona DIFI for assistance at difi.az.gov.
Get quick cash in Arizona today!
Apply online or visit one of our Arizona locations — it takes only minutes.
Apply Now