Payday Loans in Fort Thomas, Arizona

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

Company nameAddressZip codePhone number
Chase Bank 1799 N Kiowa Blvd Ste 103, Lake Havasu City, AZ 86403 +1 (928) 855 - 9101
Southeastern Arizona FCU 182 E 4th St, Benson, AZ 85602 +1 (520) 586 - 7095
USA Pawn & Jewelry 1844 Detroit Ave, Kingman, AZ 86401 +1 (928) 565 - 1146
ACE Cash Express 8520 W Peoria Ave, Peoria, AZ 85345 +1 (623) 412 - 0047
National Bank of Arizona 1820 E White Mountain Blvd, Pinetop, AZ 85935 +1 (928) 367 - 0650
Heartland Payment Systems Inc 11811 N Tatum Blvd 2550, Phoenix, AZ 85028 +1 (480) 451 - 1117
American Southwest Credit union 1919 E 10th St, Douglas, AZ 85607 +1 (520) 459 - 1860
Allied Cash Advance 140 E Deuce of Clubs Suite B, Show Low, AZ 85901 +1 (928) 537 - 8967
Title Loans Coolidge, AZ 85128
National Bank of Arizona 1001 S Eagle Ave, Parker, AZ 85344 +1 (928) 669 - 6173

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Fort Thomas, AZ, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Casa Grande, AZ, Same Day Loans in Chandler, AZ, Payday Loans in El Mirage, AZ, Payday Loans in Flagstaff, AZ, Guaranteed Loans in Gilbert, AZ, Payday Loans in Glendale, AZ, Payday Loan Without a Credit Check in Goodyear, AZ and Payday Loan Without a Credit Check in Lake Havasu City, 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 Fort Thomas, AZ.

Beautiful sights of Fort Thomas, AZ

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

85536

Are Payday Loans Legal In Fort Thomas, 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

Fort Thomas, AZ payday loan calculator

Understanding Payday Loans in Fort Thomas, Arizona

If you’re looking for quick cash to cover an emergency expense and you live in Fort Thomas, Arizona, you may be considering a payday loan. However, it’s important to know that payday loans are prohibited in the state of Arizona. In this article, we’ll explore the payday loan industry and why it’s not an option in Fort Thomas.

What are Payday Loans?

Payday loans are typically small, short-term loans that are meant to be repaid on the borrower’s next payday. They are usually offered online or in-person at payday loan storefronts. The loan amounts are usually a few hundred dollars or less, and they come with high interest rates and fees.

The biggest issue with payday loans is the high interest rates, which can be as much as 400 percent or more. For example, if you borrow $300, you could end up paying back $375 or more in just two weeks, with interest and fees.

Why are Payday Loans Prohibited in Arizona?

In 2000, Arizona voters passed Proposition 200, which allowed payday loans in the state. However, in 2010, the Arizona legislature allowed the proposition to expire, effectively making payday loans illegal in the state. The main reason for this change was the high interest rates and fees associated with payday loans, which can trap borrowers in a cycle of debt.

It’s important to note that while payday loans themselves are illegal in Arizona, there are some lenders who offer so-called “flex loans” that can be just as harmful. These loans look and act like payday loans, but they are structured as open-end lines of credit.

What are the Alternatives to Payday Loans in Fort Thomas?

If you need cash quickly to cover an emergency expense, there are other options available to you in Fort Thomas. You may qualify for government assistance, such as SNAP (Supplemental Nutrition Assistance Program) or TANF (Temporary Assistance for Needy Families).

You can also consider personal loans from banks or credit unions, which typically have lower interest rates and fees than payday loans. You can also look into alternative lenders, such as online lenders or peer-to-peer lending platforms.

Interesting Facts about Payday Loans

– Payday loans are illegal in 16 states, including Arizona.
– The average payday loan borrower takes out 8 loans per year.
– According to a survey by Pew Charitable Trusts, 12 million Americans take out payday loans each year.
– Payday loans are often marketed to low-income households, military personnel, and people of color.

Apply Now

If you’re in need of cash, you can fill out an online application on our website. TheGuaranteedLoans is a connector service that works with a network of potential lenders to match you with a loan that meets your needs. However, it’s important to remember that we are not a direct lender and that we do not make credit decisions.

Conclusion

While payday loans may seem like a quick fix for financial issues, they come with high risks and can lead to a cycle of debt. If you’re in need of cash, explore other options available to you in Fort Thomas. And remember, TheGuaranteedLoans is here to connect you with potential lenders who can help you find a loan that fits your needs.

F.A.Q.

Are there any alternatives to payday loans in Fort Thomas, Arizona?

Yes, there are several alternatives to payday loans in Fort Thomas, Arizona, including credit unions, community development financial institutions, and small-dollar loan programs offered by banks and credit unions.

Can I still take out a payday loan if I live in Fort Thomas, Arizona but the lender is based in another state?

No, it is illegal for payday lenders to offer loans to residents of Arizona, regardless of where the lender is located.