Regulator Details

Arizona Department of Financial Institutions

2910 N. 44th Street, Suite 310
Phoenix, AZ 85018
Phone: (800) 544-0708
Fax: 602-381-1225

Arizona Payday Loan Laws

Arizona Payday Loan Laws Details

The data provided here is for general informational purposes and should not be used as legal reference. If you have questions regarding Arizona payday loan laws contact the Arizona Department of Financial Institutions.

Payday loans are prohibited in Arizona but there may be unlicensed lenders offering payday loans in Arizona.

There are basically four types of lenders: in-state licensed lenders, out-of-state unlicensed lenders, tribal lenders, and foreign-based lenders. In-state licensed lenders are regulated and monitored by each state's regulator for compliance. They must also adhere to federal regulations. Out-of-state and tribal lenders will operate in states unlicensed based on the practice of exporting their states' or tribes' laws into your state. They are regulated by their states or tribes, but as a resident of neither, you often have less recourse if things go wrong. These lenders must also adhere to federal regulations. The last group of lenders are foreign-based lenders. They operate on the premise that they export their countries' laws into your state.

So if there are lenders in your state they are offering loans under the assumption that they can export their tribal or state laws into Arizona. Not all states permit exportation of laws and some states enforce their ban more strictly but we do see lenders offering payday loans in states where it is prohibited. In any event remember these lenders are not licensed or regulated by Arizona and may even be operating illegally so proceed with caution.

See Arizona Payday Loans or Arizona Installment Loans to see if any of the lenders we have reviewed are offering loans in Arizona.