✓ Legal & RegulatedReviewed: Aug 2025
ArizonaLoan Laws & Regulations
Official regulatory reference for borrowers and lenders in Arizona. Includes permitted loan types, APR caps, lender licensing requirements, borrower rights, and government source links.
Max Loan
$2,500
Typical APR
36% APR
Max Term
24 months
Legal Status
Restricted
Arizona Lending Regulator
The Arizona DFI oversees consumer lending in Arizona, including licensing, enforcement, and consumer complaint resolution. Before borrowing from any lender, verify their license using the official regulator lookup tool linked above.
Regulatory Details
Detailed regulatory data for Arizona is sourced directly from the Arizona DFI. For the most current requirements, visit: https://difi.az.gov/
Current Overview
Arizona restricted lending with a 36% APR cap. Get fast personal loans in Phoenix, Tucson and statewide from licensed lenders.
Legal Status: Restricted · APR Range: 36% APR · Max Amount: $2,500
Arizona Lending FAQ
Are payday loans legal in Arizona?▼
Yes. Payday loans are legal and regulated in Arizona under the oversight of the Arizona DFI. Current APR range: 36% APR. Maximum loan: $2,500.
What is the maximum payday loan I can get in Arizona?▼
The maximum short-term loan amount in Arizona is $2,500. A $1,000 personal loan for 12 months in AZ costs approximately $193 in interest. APR: 36%.
Who regulates payday lenders in Arizona?▼
The Arizona DFI is the primary state regulator. You can verify any lender's license at https://difi.az.gov/. Unlicensed lenders operating in Arizona are illegal — always verify before borrowing.
What are the alternatives to payday loans in Arizona?▼
Consider credit union PAL (Payday Alternative Loan) programs, licensed personal loan lenders, or non-profit credit counseling services in Arizona.