Payday Loans in Greer, Arizona

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

Company nameAddressZip codePhone number
National Bank of Arizona 1979 AZ-95 15, Bullhead City, AZ 86442 +1 (928) 704 - 9905
Checkmate 1121 S Higley Rd #6, Mesa, AZ 85206 +1 (480) 854 - 1125
U.S. Bank Branch 3325 N Hunt Hwy, Florence, AZ 85132 +1 (520) 723 - 0543
A B's Check Cashing 44480 Honeycutt Rd 104, Maricopa, AZ 85138 +1 (520) 568 - 2200
OneAZ Credit Union 8285 W Union Hills Dr 106 106, Glendale, AZ 85308 +1 (602) 467 - 4006
Jackson Hewitt Tax Service 2542 N Fourth St, Flagstaff, AZ 86004 +1 (928) 213 - 8626
Bank of America with Drive-thru services 10 Acoma Blvd S, Lake Havasu City, AZ 86403 +1 (928) 855 - 3003
Fast Auto Loans Title Loans 841 S Main St, Cottonwood, AZ 86326 +1 (928) 646 - 8602
Chase Bank 1540 AZ-89A, Cottonwood, AZ 86326 +1 (928) 634 - 5567
CheckSmart 131 E Southern Ave, Tempe, AZ 85282 +1 (480) 966 - 1771

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Greer, AZ, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Marana, AZ, Quick Loan in Maricopa, AZ, Payday Loans in Mesa, AZ, 24-Hour Loan in Peoria, AZ, Payday Loans in Phoenix, AZ, 24-Hour Loan in Prescott, AZ, Bad Credit Loans in Prescott Valley, AZ and Payday Loans in Queen Creek, 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 Greer, AZ.

Beautiful sights of Greer, AZ

Are Payday Loans Legal In Greer, 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

Greer, AZ payday loan calculator

In Greer, Arizona, payday loans are not legal according to the Arizona Revised Statutes Section 6-632, which states that all payday lending is illegal in the state. But what is a payday loan, and why are they not allowed in Arizona? In this article, we will explore what payday loans are, how they work, the laws in Arizona regarding payday loans, and alternative options for those who need a loan.

What are payday loans?

A payday loan is a short-term loan, typically taken out for a small amount of money, to be repaid by the borrower’s next payday. These loans often come with high-interest rates and fees, making them very expensive and risky for borrowers.

The process of applying for a payday loan is typically quick and easy. Borrowers fill out an application, and if they are approved, they receive the funds in their bank account within one to two business days. Repayment is usually due on the borrower’s next payday, either in the form of a post-dated check or an automatic debit from their bank account.

Arizona laws regarding payday loans

As previously mentioned, all payday loans are illegal in Arizona. In 2008, the Arizona legislature passed the Arizona Consumer Lenders Act, which abolished payday loans and other predatory lending schemes in the state. The law was designed to protect consumers from the high interest rates and fees associated with these types of loans.

Despite the law, some lenders still attempt to offer payday loans by partnering with out-of-state banks or lending institutions. However, the Arizona Attorney General’s Office has taken legal action against these types of lenders, resulting in court orders prohibiting them from offering payday loans in Arizona.

Alternatives to payday loans

For those in need of funds, there are alternative options to payday loans. One option is a personal installment loan, which allows borrowers to borrow a larger amount of money and pay it back over a longer period of time with fixed monthly payments and interest rates. Another option is a credit union loan, which typically has lower interest rates and fees compared to traditional bank loans.

Borrowers can also consider other options, such as borrowing from friends or family, selling unwanted items, or finding a side job to earn extra cash. It’s important to explore all options before turning to payday loans or other high-interest loans.

Interesting facts and statistics about payday loans in Greer, Arizona

  • There are no payday loan stores in Greer, Arizona due to the state law banning payday lending.
  • According to the Center for Responsible Lending, in states where payday lending is legal, the average interest rate on a payday loan is 391%.
  • Between 2005 and 2008, the number of payday lending stores in Arizona increased by over 200%, which led to the state passing the Arizona Consumer Lenders Act in 2008.
  • In Arizona, the average payday loan borrower takes out 10 payday loans per year, spending nearly half the year in debt.

Apply now

While payday loans are not legal in Greer, Arizona, it’s important to remember that unexpected expenses can still arise. If you find yourself in need of funds, TheGuaranteedLoans can help connect you with potential lenders who can offer alternative loan options. Don’t let unexpected expenses get you down, apply now!

F.A.Q.

What are the alternatives to payday loans in Greer, Arizona?

Consumers in Greer, Arizona can seek out small, short-term loans from credit unions or banks, or can consider using a credit card or personal loan for financial emergencies.

Why are payday loans prohibited in Greer, Arizona?

Payday loans are prohibited in Greer, Arizona due to their high interest rates and fees, which can trap consumers in a cycle of debt.