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Arizona ✓ Loans Available AZ

Alternatives to Payday Loans in Arizona

Get up to $5,000 with Installment Loans

Borrow up to $5,000 — no hard credit check
Soft credit inquiry only — zero impact on your score
Same-day funding if approved before 10:30 AM PT on a weekday
0 convenient AZ store location
Apply Now → 📍 Find a Store
Updated: Jun 08, 2026
Loan Summary — AZ
Max. Amount $5,000
Installment Loan Up to $5,000
Finance Charge See rates
Min. Credit Score None
Credit Check Soft
Funding Time Same-day or next business day
I agree to the Terms, Privacy Policy, and Rates before submitting.
Requirements

What Do You Need to Apply?

Here is what we ask for to verify your loan eligibility in Arizona:

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Valid government-issued photo ID
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Social Security Number
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Proof of income
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Active bank account details
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Proof of Arizona residential address
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Valid email and cell phone number
Process

How to Get a Payday Loan in Arizona

Applying through Cash Day USA is a quick, simple, and secure process:

1
Request a Loan
Apply for a loan in just 5 minutes through our simple online form. You can also visit our Mesa, Arizona location at 2604 W University Dr or contact us directly at (888) 847-2909. No paperwork hassles or faxing needed.
2
Wait for Approval
Receive your loan decision instantly. Our streamlined underwriting process doesn't require a hard credit check, so you'll know your status right away. We welcome applicants with bad credit or no credit history.
3
Get Funded
Once approved, your loan amount will be deposited directly into your bank account within the same business day or the next business day. If your loan is approved before 10:30 AM on weekdays, same-day funding is available.
*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.
Rates & Terms

Arizona Rates & Terms

Payday loans in Arizona are regulated with specific limits and protections. The maximum loan amount is $5,000 with a standard term of 14-31 days. A typical 14-day loan carries an APR of approximately 28% APR cap (usury cap — payday loans banned).

Loan Amount Finance Charge Total Payment APR (14-day) APR (31-day)
$180 (est.) 36% 36%
$360 (est.) 36% 36%
$900 (est.) 36% 36%
$1,800 (est.) 36% 36%
📄 View In-store Rates PDF
Protection

How Arizona Laws Protect You

Arizona law and state regulations are designed to give borrowers important protections:

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Arizona Loan Regulations & Requirements
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Payday loans have not been permitted in Arizona since July 1, 2010.
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Every lender must follow the 36% annual percentage rate (APR) cap.
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Installment loans up to $5,000 are available under the 36% cap.
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All lenders operating in Arizona must be licensed by the Arizona DIFI (Department of Financial Institutions).
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Complete loan terms and fees must be disclosed to borrowers before they sign any agreement.
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Arizona law provides comprehensive consumer protections as outlined in Arizona Revised Statutes Title 6.
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Lenders cannot charge hidden fees or application fees of any kind.
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If borrowers have concerns, they can submit complaints to Arizona DIFI through difi.az.gov.
Why Choose Us

About Cash Day USA in Arizona

Cash Day USA is a licensed direct lender serving Arizona residents. We specialize in fast, transparent payday loans designed for short-term emergency cash needs. With 0 convenient locations across Arizona plus a fully online application available 24/7, getting the emergency cash you need has never been easier.

We perform only a soft credit check with no impact on your FICO score. Our income-based approval means borrowers with bad credit or no credit history are welcome to apply. Over 140,000 customers nationwide have trusted us with their short-term lending needs.

We're committed to transparent lending practices and compliance with all Arizona regulations.

⚠️ Customer Notice

Payday loans are not available in Arizona, however Cash Day USA presents installment loans as a regulated alternative. Installment loans are tailored for short-to-medium term financial situations. The maximum annual APR is capped at 36%. It's important to review and understand the complete cost of your loan before you agree to it. Only take out a loan for what you need and feel confident you can repay. If you're dealing with ongoing money problems, credit counseling is available, or you can contact Arizona DIFI for support at difi.az.gov.

Get quick cash in Arizona today!

Apply online or visit one of our 0 Arizona locations — it takes only minutes.

Apply Now
I read and agree to Terms, Rates, Privacy Policy before submitting a loan request.
FAQ

Frequently Asked Questions about Arizona Payday Loans

Find answers to common questions about getting payday loans in Arizona:

Are payday loans legal in Arizona?
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Payday loans are not permitted in Arizona. The state implemented a 36% APR cap on all loans in 2010, which effectively eliminated traditional payday lending. Cash Day USA provides installment loans as a compliant alternative for Arizona residents.
What loan options does Cash Day USA offer in Arizona?
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In Arizona, Cash Day USA provides installment loans ranging from $500 to $5,000. These unsecured personal loans come with a fixed APR capped at 36% or less and can be repaid over a flexible schedule of up to 24 months. We welcome applicants with less-than-perfect credit.
Why did Arizona prohibit payday loans?
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Arizona banned payday lending in 2010 to protect consumers from predatory lending practices. Before the ban took effect, borrowers were paying average APRs around 459% on short-term 14-day loans. When the law exempting payday lenders from the 36% APR cap expired, the state legislature declined to extend it.
Can I qualify for a loan with bad credit in Arizona?
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Yes, you can. Cash Day USA evaluates your complete financial profile during the approval process — having bad credit doesn't automatically disqualify you. We don't rely on hard credit checks from the major credit bureaus.
What are the borrowing limits in Arizona?
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Cash Day USA offers installment loans between $500 and $5,000 in Arizona. The specific amount you qualify for depends on your income, creditworthiness, and the repayment timeframe you select.
How quickly will I get my loan funds?
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Once approved, you'll receive your funds on the same business day or the next business day. Same-day disbursement is available for applications approved before 10:30 AM on a business day. Requests submitted after 10:30 AM or on weekends will be processed on the following business day.
What is the repayment timeline for Arizona installment loans?
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Cash Day USA installment loans in Arizona allow repayment periods of up to 24 months, with fixed monthly payments. Choosing a longer repayment term lowers your monthly obligation but increases the total interest you'll pay.
Where can I visit Cash Day USA in Arizona?
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Visit our Mesa, Arizona location at 2604 W University Dr, Mesa, AZ 85213. Store hours are Monday to Friday, 8:00 AM to 10:00 PM, and Saturday, 9:00 AM to 6:00 PM. You can also contact us by phone at (888) 847-2909.
⚖️Legal Status
⚠ Payday Loans Not Available
Payday loans prohibited since 2010 — Installment loans available under 36% APR cap
🏛️ Arizona Department of Insurance and Financial Institutions (DIFI)
💵Loan Limits
Payday Max$5,000
Payday Min$500
Installment Max$5,000
APR Cap28% APR cap (usury cap — payday loans banned)
Min TermUp to 24 months
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