Payday Loans in Happy Jack, Arizona

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

Company nameAddressZip codePhone number
ACE Cash Express 8520 W Peoria Ave 107, Peoria, AZ 85345 +1 (623) 412 - 0047
PLS Check Cashing Store 1210 S Country Club Dr, Mesa, AZ 85210 +1 (480) 603 - 1547
Mayfield Settlement Funding co 10645 N Tatum Blvd 200, Phoenix, AZ 85028 +1 (888) 800 - 8400
Oportun 582 Piceno Dr 1301, San Luis, AZ 85349 +1 (928) 315 - 1210
Triple Check Financial Services Inc 2302 Stockton Hill Rd, Kingman, AZ 86401 +1 (928) 753 - 3811
National Bank of Arizona 25 N Main St, Florence, AZ 85131 +1 (520) 868 - 0641
Fast Auto Loans Inc 345 S Arizona Blvd, Coolidge, AZ 85128 +1 (520) 723 - 1036
Wells Fargo Home Mortgage 1646 N Litchfield Rd # 150, Goodyear, AZ 85395 +1 (480) 450 - 3070
$ Title Loans Maricopa, AZ 85138
Fast Auto Loans Title Loans 841 S Main St, Cottonwood, AZ 86326 +1 (928) 646 - 8602

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Happy Jack, AZ, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in San Luis, AZ, 24-Hour Loan in Scottsdale, AZ, Online Loans in Sierra Vista, AZ, Payday Loans in Sun City, AZ, Quick Loan in Surprise, AZ, Payday Loans in Tempe, AZ, Same Day Loans in Tucson, AZ and Payday Loans in Yuma, 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 Happy Jack, AZ.

Beautiful sights of Happy Jack, AZ

Are Payday Loans Legal In Happy Jack, 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

Happy Jack, AZ payday loan calculator

If you’re living in Happy Jack, Arizona, you may have considered taking out a payday loan to help with unexpected expenses. However, it’s important to keep in mind that payday loans are prohibited in Arizona, including Happy Jack.

What Are Payday Loans?

Payday loans are short-term loans typically offered to individuals who need immediate cash. They’re designed to be paid back with the borrower’s next paycheck and often come with high interest rates and fees.

Why Are Payday Loans Prohibited in Arizona?

In 2000, Arizona voters passed Proposition 200, which allowed payday lenders to operate in the state with certain regulations. However, in 2008, voters chose to repeal this law and instead impose a 36% cap on annual interest rates for loans under $100,000. This effectively made payday loans illegal in Arizona.

According to the Arizona Department of Financial Institutions, “A consumer lender including any bank, credit union, or person must be licensed by the Arizona State Banking Department to make consumer loans.” So, any lenders operating in Happy Jack or elsewhere in Arizona who offer payday loans are doing so illegally.

Why Should You Avoid Payday Loans?

While it may be tempting to turn to payday loans when facing financial difficulties, it’s important to consider the risks involved. The high interest rates and fees can lead to a cycle of debt that’s difficult to escape. In fact, a 2019 report from the Consumer Financial Protection Bureau found that 80% of payday loans are rolled over or renewed within two weeks, often resulting in additional fees and charges.

Additionally, payday lenders often target low-income individuals and communities of color, creating a cycle of financial disadvantage that can be difficult to break free from.

Alternatives to Payday Loans

If you’re in need of quick cash and payday loans are not an option, there are several alternatives to consider:

  • Credit unions: Some credit unions offer small-dollar loans with lower interest rates than payday loans.
  • Personal loans: Personal loans from banks, credit unions, or online lenders may offer more favorable terms than payday loans.
  • Credit card cash advances: While still expensive, credit card cash advances can be a more affordable option than payday loans.
  • Emergency assistance programs: Local organizations may offer emergency assistance programs to help with basic needs.

Interesting Facts and Statistics about Payday Loans in Happy Jack, Arizona

  • Payday loans are illegal in Arizona, including Happy Jack.
  • As of 2016, Arizona was one of 14 states that prohibited payday lending.
  • Roughly 12 million Americans use payday loans each year.
  • Payday lenders collect about $8.7 billion in interest and fees each year.
  • The average payday borrower takes out 10 loans per year.

Apply Now

While payday loans are not an option in Happy Jack or elsewhere in Arizona, TheGuaranteedLoans can help connect you with potential lenders who offer other types of loans. Fill out our online application now to see what options may be available to you.

Please keep in mind that TheGuaranteedLoans is a connector service and not a direct lender. We work with a network of trusted lenders to help you find the best loan options for your needs.

F.A.Q.

What are the penalties for offering or taking out a payday loan in Happy Jack, Arizona?

Offering or taking out a payday loan in Happy Jack, Arizona is considered a criminal offense and can result in fines and imprisonment.

Are there any exceptions to the payday loan prohibition in Happy Jack, Arizona?

No, there are no exceptions to the payday loan prohibition in Happy Jack, Arizona.