Payday Loans in Ehrenberg, Arizona

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No payday loan companies in Ehrenberg, AZ. Consider companies in other cities:

Company nameAddressZip codePhone number
Loanmax Title Loans 2009 W Main St, Mesa, AZ 85202 +1 (480) 844 - 0122
American Southwest Credit Union 1225 W Duval Mine Rd, Green Valley, AZ 85614 +1 (520) 459 - 1860
TitleMax Title Loans 1547 Mohave Dr, Bullhead City, AZ 86442 +1 (928) 704 - 7068
Prescott Federal Credit Union 500 AZ-89 bldg t-5, Prescott, AZ 86313 +1 (928) 445 - 7970
AAMCO Transmissions & Total Car Care 8225 E Butherus Dr, Scottsdale, AZ 85260 +1 (480) 359 - 1012
ACE Cash Express 8520 W Peoria Ave, Peoria, AZ 85345 +1 (623) 412 - 0047
Western Union Walgreens, 550 S Main St, Cottonwood, AZ 86326 +1 (928) 649 - 3850
Arizona Federal Credit Union - Camelback Colonnade 1945 E Camelback Rd, Phoenix, AZ 85016 +1 (602) 683 - 1000
Check Into Cash 1902 W Thatcher Blvd, Safford, AZ 85546 +1 (928) 428 - 6880
National Bank of Arizona 11031 E 40th St, Yuma, AZ 85367 +1 (928) 342 - 2895

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Ehrenberg, AZ, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Apache Junction, AZ, Payday Loans in Avondale, AZ, Payday Loans in Buckeye, AZ, Payday Loans in Bullhead City, AZ, Emergency Loan in Casa Grande, AZ, Payday Loans in Chandler, AZ, Guaranteed Loans in El Mirage, AZ and Payday Loans in Flagstaff, AZ. But also, you can apply for a loan online, not coming out of your home. Just fill out a simple application on our website and we will connect you with trusted direct lenders in Ehrenberg, AZ.

Beautiful sights of Ehrenberg, AZ

Payday Loans Available in Ehrenberg, AZ By The Following ZIP Codes:

85334

Are Payday Loans Legal In Ehrenberg, Arizona?

Payday Lending is Prohibited in Arizona

Arizona Loan Regulations

Legal StatusProhibited
Interest Rate (APR, %)Prohibited
Maximum Loan AmountProhibited
Minimum Loan TermProhibited
Maximum Loan TermProhibited
Number of Rollovers AllowedProhibited
Finance ChargesProhibited

Ehrenberg, AZ payday loan calculator

Payday Loans in Ehrenberg, Arizona

Payday loans are a type of short-term loan that can provide a quick injection of cash for those who need it. However, residents of Ehrenberg, Arizona should be aware that payday loans are prohibited in the state. This article will explore what payday loans are, why they are illegal in Arizona, and what alternatives residents of Ehrenberg can consider.

What are payday loans?

Payday loans are small-dollar loans with short repayment terms. These loans are typically due on the borrower’s next payday, hence the name “payday loan.” The amount borrowed is often less than $500, and the borrower typically writes a post-dated check for the full amount of the loan plus fees, or gives the lender permission to access their bank account in order to withdraw the funds on the loan’s due date.

Payday loans are often marketed as a quick fix for unexpected expenses, such as car repairs or medical bills, and may be tempting for those who are struggling to make ends meet. However, due to the predatory nature of payday lending, many states have enacted laws to protect consumers from these loans.

Why are payday loans illegal in Arizona?

Arizona is one of the states that has prohibited payday lending due to the high fees and interest rates associated with these loans. In 2010, the state passed the Arizona Consumer Lending Act, which effectively outlawed payday lending by capping interest rates at 36%. This legislation was a response to the high fees and interest rates that payday lenders were charging, which could exceed 400% in some cases.

Prohibiting payday lending has been a controversial issue in many states, with some arguing that these loans provide access to credit for those who would otherwise be shut out of the traditional lending system. However, the high costs associated with payday loans often leave borrowers in a cycle of debt, making it difficult to repay the loan and meet other financial obligations.

Alternatives to payday loans in Ehrenberg, Arizona

Although payday loans are illegal in Arizona, there are still options for those who need access to credit. Some alternatives to consider include:

  • Credit union loans: Credit unions are not-for-profit financial institutions that offer loans and other financial products at lower interest rates than traditional banks.
  • Personal loans: Personal loans are installment loans that can be used for a variety of purposes. These loans typically have longer repayment terms and lower interest rates than payday loans.
  • Credit counseling: Credit counseling agencies can help individuals create a budget and develop a plan to pay off debt. These agencies may also be able to negotiate with creditors to reduce interest rates or arrange a payment plan.

Interesting facts and statistics about payday loans in Ehrenberg, Arizona

  • According to the Consumer Financial Protection Bureau, the average payday loan borrower takes out 10 loans per year, spending an average of 199 days in debt.
  • In 2016, the Center for Responsible Lending estimated that payday loans cost Arizona consumers $255 million in fees annually.
  • Arizona is one of 15 states that have effectively banned payday lending.

Apply Now

Residents of Ehrenberg, Arizona who are in need of a loan can fill out an application on TheGuaranteedLoans website. The application process is simple and secure, and we work with a network of lenders to help connect you with the loan that best meets your needs. It is important to note that TheGuaranteedLoans is not a direct lender, but rather a connector service that seeks to facilitate connections between borrowers and lenders.

Our platform is transparent and easy to use. We provide all of the information you need upfront, so you can make an informed decision about whether a particular loan is right for you. Simply fill out the application form on our website, and we will work to connect you with a lender who can provide the funds you need.

Final thoughts on payday loans in Ehrenberg, Arizona

While payday loans may seem like a solution to a short-term financial problem, the high fees and interest rates associated with these loans can lead to long-term financial difficulties. Residents of Ehrenberg, Arizona should explore alternative options, such as credit union loans or personal loans, in order to meet their financial needs. TheGuaranteedLoans is available to help facilitate these connections, and we are committed to providing a transparent and secure platform for our users.

F.A.Q.

Are there any other options for fast cash in Ehrenberg, Arizona?

Consumers in Ehrenberg, Arizona may be able to access funds through a credit union or bank loan, or by using a credit card or personal loan. It is also possible to sell assets or ask friends or family for financial assistance.

Are payday loans legal in Ehrenberg, Arizona?

No, payday loans are prohibited in the state of Arizona.