Payday Loans in Houck, Arizona

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

Company nameAddressZip codePhone number
Wells Fargo Bank 1825 E 9th St, Douglas, AZ 85607 +1 (520) 364 - 3405
Arrowhead Credit Union 4747 AZ-95, Fort Mohave, AZ 86426 +1 (800) 743 - 7228
ACE Cash Express 503 N Main St, San Luis, AZ 85349 +1 (928) 627 - 1689
ACE Cash Express 1971 AZ-95 BLDG B, STE 1, Bullhead City, AZ 86442 +1 (928) 444 - 1110
Nova Home Loans - Team Jodie & J.B. 8800 E Raintree Dr #110, Scottsdale, AZ 85260 +1 (480) 305 - 1980
ACE Cash Express 1377 E Florence Blvd #147, Casa Grande, AZ 85222 +1 (520) 836 - 7311
ACE Cash Express 2847 S 6th Ave #5, Tucson, AZ 85713 +1 (520) 624 - 1144
Checkmate 5050 W Northern Ave, Glendale, AZ 85301 +1 (623) 842 - 1100
Arizona Loan Solutions LLC 4401 US-89 #3, Flagstaff, AZ 86004 +1 (928) 527 - 3757
U.S. Bank Branch 13733 N Fountain Hills Blvd, Fountain Hills, AZ 85268 +1 (480) 816 - 5766

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Houck, 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, Payday Loans in Chandler, AZ, Payday Loans in El Mirage, AZ, Payday Loans in Flagstaff, AZ, Payday Loan for Gilbert, AZ, Payday Loans in Glendale, AZ, Quick Loan in Goodyear, AZ and Payday Loans 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 Houck, AZ.

Beautiful sights of Houck, AZ

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

86506

Are Payday Loans Legal In Houck, 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

Houck, AZ payday loan calculator

Understanding Payday Loans in Houck, Arizona

Payday loans are a type of short-term loan that can be a convenient option for borrowers who need quick access to cash. Unfortunately, in the state of Arizona, payday loans are prohibited by law. This means that residents in Houck, Arizona, may not be able to access them and may have to seek alternative options when they need fast cash.

What Are Payday Loans?

Payday loans are usually small loans (around $500) with short terms (typically two weeks or until their next paycheck). They are designed to help people who need quick cash for unexpected expenses, like medical bills or urgent car repairs. Payday loans can be tempting because borrowers can typically get the money they need quickly and without a credit check.

However, payday loans come with high interest rates and fees. According to a report from the Consumer Financial Protection Bureau (CFPB), the average payday loan borrower pays back $450 in fees alone for borrowing $350. This can lead to a cycle of debt where borrowers are unable to pay back the loan on time and end up taking out additional loans to cover the fees and interest.

Payday Loans Are Illegal in Arizona

Payday loans have been illegal in Arizona since 2010. The state was one of the first to pass legislation against payday loans, citing concerns about the high costs and predatory practices of the industry. The Arizona Department of Financial Institutions enforces the ban on payday loans and works to protect consumers from predatory lending practices.

However, despite the ban, some lenders still try to offer payday loans in Arizona. They may use loopholes in the law or try to operate online to avoid detection. It’s important for consumers to be aware of these practices and to report any illegal activity to the appropriate authorities.

Alternatives to Payday Loans

Although payday loans are illegal in Arizona, there are other lending options available to residents of Houck and other areas in the state. Some options to consider include:

  • Personal loans from a bank or credit union
  • Credit card cash advances
  • Installment loans
  • Community assistance programs
  • Cash advances from employers

It’s important to be aware of the terms and fees associated with these options and to only borrow what you can afford to repay.

Interesting Facts and Statistics About Payday Loans in Arizona

  • Arizona voters rejected a proposal to legalize payday lending in 2008.
  • The average interest rate for a payday loan in Arizona before they were banned was over 400%.
  • According to a 2016 report from the CFPB, 80% of payday loans are rolled over or followed by another loan within two weeks.
  • Payday loan borrowers in Arizona were more likely to keep taking out loans than borrowers in other states, according to a 2018 report from the Center for Responsible Lending.

Apply Now

Although payday loans are not an option in Houck, Arizona, TheGuaranteedLoans is here to help connect you with other lending options, including personal loans, installment loans, and auto title loans. Our simple online application process makes it easy to apply from the comfort of your own home.

We are not a direct lender, but a connector service that matches you with potential lenders based on your individual needs and qualifications. Our service is free, and there is no obligation to accept any loan offers you receive through our platform. Apply now to see what lending options are available to you.

F.A.Q.

Can I be charged with a crime for taking out a payday loan in Houck, Arizona?

It is illegal for lenders to offer payday loans in Houck, Arizona, so borrowers cannot be charged with a crime for taking out a payday loan. However, lenders may face criminal charges for engaging in illegal lending practices.

What should I do if I have already taken out a payday loan in Houck, Arizona?

If you have already taken out a payday loan in Houck, Arizona, you should contact the lender to try to negotiate a repayment plan. If the lender is unwilling to work with you, you may want to seek out alternative forms of financing or seek legal advice.