Payday Loans in Hayden, Arizona

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

Company nameAddressZip codePhone number
Pinnacle Payday 1485 N Dysart Rd, Avondale, AZ 85323 +1 (623) 882 - 8772
Pinal County Federal Credit Union 44600 W Smith Enke Rd STE 105, Maricopa, AZ 85139 +1 (520) 381 - 3100
SuperPawn 1302 N Scottsdale Rd, Scottsdale, AZ 85257 +1 (480) 889 - 1090
Direct Title Loans 610 N Alma School Rd Ste 26A, Chandler, AZ 85224 +1 (877) 373 - 1022
1 Stop Title Loans 940 N Alma School Rd, Chandler, AZ 85224 +1 (480) 726 - 1509
CASH 1 Loans 1405 W Southern Ave #1, Tempe, AZ 85282 +1 (480) 736 - 1125
Check Into Cash 161 E Deuce of Clubs Suite C, Show Low, AZ 85901 +1 (928) 537 - 9204
Sunstreet Mortgage, LLC - Thatcher 2021 W Thatcher Blvd Ste 109, Thatcher, AZ 85552 +1 (928) 362 - 5998
Cash Time Loan Centers 4915 W Bell Rd, Glendale, AZ 85308 +1 (602) 298 - 4400
Wimpey's Pawn 308 London Bridge Rd B, Lake Havasu City, AZ 86403 +1 (928) 854 - 2257

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Hayden, AZ, you can try to find different companies in big cities near by. Check out the following pages here: 24-Hour Loan in Apache Junction, AZ, Payday Loan for Avondale, AZ, Payday Loan for Buckeye, AZ, Payday Loans in Bullhead City, AZ, Emergency Loan in Casa Grande, AZ, Payday Loans in Chandler, AZ, Payday 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 Hayden, AZ.

Beautiful sights of Hayden, AZ

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

85235

Are Payday Loans Legal In Hayden, 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

Hayden, AZ payday loan calculator

Understanding Payday Loans in Hayden, Arizona

Payday loans, also known as cash advances, are small, short-term loans designed to help individuals cover unexpected expenses until their next paycheck. While payday loans may seem like a suitable option to get quick cash, it is important to remember that payday loans are prohibited in Arizona.

Why are Payday Loans Prohibited in Arizona?

In 2008, the Arizona legislature passed the Arizona Consumer Lending Act (ACLA) which prohibited payday loans in Arizona. The law was enacted after years of lobbying from consumer advocacy groups who expressed concerns that payday loans were harmful to Arizona consumers.

According to a study by the Center for Responsible Lending, the average payday loan borrower in Arizona falls into debt for approximately five months out of the year, paying over $500 in interest on a $375 loan. The ACLA effectively terminated the payday loan industry in the state, saving consumers millions in high-interest fees and debt accumulation.

Are There Alternatives to Payday Loans in Hayden, Arizona?

While payday loans are not an option for residents of Hayden, Arizona, there are several alternatives that consumers can consider. The following are some viable options:

  • Credit Cards: If you have a credit card, this may be a better option than taking out a payday loan. While interest rates may vary, credit cards tend to have lower interest rates than payday loans.
  • Credit Counselor: If you are facing financial difficulties, a credit counselor can work with you to develop a budget and repayment plan, provide education on financial management, and help you navigate your financial woes.
  • Online Lenders: There are many reputable online lenders that offer short-term loans at a lower interest rate than payday loans. However, it’s crucial to do your research before choosing an online lender.
  • Personal Loans: Personal loans from credit unions, banks, or online lenders may be available as an alternative to payday loans. Unlike payday loans, personal loans come with a fixed interest rate and repayment schedule.

Interesting Facts and Statistics about Payday Loans in Hayden, Arizona

  • There are currently no payday loan lenders operating in the state of Arizona.
  • The Arizona Department of Financial Institutions received 24 complaints about payday loans in 2020.
  • The average annual percentage rate (APR) on a payday loan in Arizona before the ACLA was 391%.
  • Arizona’s ban on payday loans came after a decade-long battle between consumer advocacy groups and payday lenders which resulted in a ballot initiative in 2008. The results were overwhelmingly in favor of banning payday loans.

Apply Now with TheGuaranteedLoan

If you are facing an unexpected financial crisis, you may be tempted to turn to payday loans. Instead, consider the alternative options mentioned above. If you still need assistance, TheGuaranteedLoan can help connect you with a potential lender. It’s crucial to remember that TheGuaranteedLoan is not a direct lender but a connector service that connects borrowers with lenders in our network.

To learn more about TheGuaranteedLoan or to start your online application, visit our website today.

F.A.Q.

Can I take out a payday loan online in Hayden, Arizona?

No, even if the lender is located outside of Arizona, it is illegal to take out a payday loan online in this state.

Can I take out a payday loan from a lender in another state and use it in Hayden, Arizona?

No, it is illegal to use a payday loan from another state in Hayden, Arizona.