Payday Loans in Jerome, Arizona

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

Company nameAddressZip codePhone number
Speedy Cash 1242 W Main St, Mesa, AZ 85201 +1 (480) 464 - 2274
National Bank of Arizona 1820 E White Mountain Blvd, Pinetop, AZ 85935 +1 (928) 367 - 0650
TitleMax Title Loans 1702 W Bell Rd, Phoenix, AZ 85023 +1 (602) 358 - 2314
Cheap Title Loans 1675 S Craycroft Rd, Tucson, AZ 85711 +1 (520) 200 - 5626
Fast Auto Loans Title Loans 3280 Stockton Hill Rd, Kingman, AZ 86409 +1 (928) 692 - 5115
Enterprise Rent-A-Car 980 E Deuce of Clubs, Show Low, AZ 85901 +1 (928) 537 - 5144
ACE Cash Express 1971 AZ-95 BLDG B, STE 1, Bullhead City, AZ 86442 +1 (928) 444 - 1110
Fast Payday Loans Inc 841 S Main St, Cottonwood, AZ 86326 +1 (928) 646 - 8605
AmeriFirst Financial, Inc. 1910 E Juan Sanchez Blvd 7, San Luis, AZ 85349 +1 (928) 783 - 5035
Ray Federal Credit Union 112 Williams Ln, Kearny, AZ 85137 +1 (520) 363 - 5681

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Jerome, AZ, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Phoenix, AZ, Same Day Loans in Prescott, AZ, Payday Loans in Prescott Valley, AZ, Payday Loan Companies in Queen Creek, AZ, Payday Loans in San Luis, AZ, No Credit Check Loans in Scottsdale, AZ, Online Loans in Sierra Vista, AZ and Same Day Loans in Sun 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 Jerome, AZ.

Beautiful sights of Jerome, AZ

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

86331, 86631

Are Payday Loans Legal In Jerome, 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

Jerome, AZ payday loan calculator

Payday Loans in Jerome, Arizona: A Guide

Payday loans are short-term loans that are typically designed to be paid back on the borrower’s next payday. However, in Arizona, payday loans are illegal and prohibited by state law. It is important to understand the legal implications of payday loans in Jerome, Arizona and the alternatives available to individuals in need of financial assistance.

Why are Payday Loans Prohibited in Arizona?

Payday loans are prohibited in Arizona due to the high interest rates and fees associated with them. Prior to 2010, payday lenders were able to operate in Arizona with no regulation, leading to predatory lending practices and debt cycles for borrowers. In 2010, the Arizona legislature passed legislation banning payday lenders in the state. This legislation was upheld by the Arizona Supreme Court in 2016.

What are the Alternatives to Payday Loans?

There are many alternatives available to individuals in Jerome, Arizona who are in need of financial assistance:

  • Credit Union Loans: Credit unions are member-owned financial institutions that typically offer lower interest rates and fees for loans than traditional banks.
  • Credit Cards: While credit cards may not be the ideal option, they are still a better alternative to payday loans as long as the borrower is able to pay off their balance in full each month to avoid high interest rates.
  • Personal Loans: Many banks and online lenders offer personal loans, which typically have lower interest rates and longer repayment terms than payday loans.
  • Government Assistance: There are many government programs available to individuals in need of financial assistance, such as SNAP (Supplemental Nutrition Assistance Program), TANF (Temporary Assistance for Needy Families), and LIHEAP (Low Income Home Energy Assistance Program).

Interesting Facts about Payday Loans in Jerome, Arizona

  • The average annual interest rate on a payday loan can be as high as 400% in states where they are legal.
  • In 2018, Arizonans saved $106 million in fees and interest by not using payday loans.
  • Arizona’s ban on payday loans was praised by consumer advocates nationwide.

Apply Now for Financial Assistance

If you are in need of financial assistance, TheGuaranteedLoans can help you connect with potential lenders. Please note, we are a connector service and not a direct lender. Fill out our online application to get started and we will facilitate your connection with potential lenders who may be able to provide you with the financial assistance you need. Apply now to get started!

Payday loans may be prohibited in Jerome, Arizona, but there are still many alternatives available to individuals in need of financial assistance. It is important to do your research and find a reputable lender with fair interest rates and fees. Remember, taking out a loan is a serious financial decision and should not be taken lightly. Be sure to review all terms and conditions before signing any loan agreement.

F.A.Q.

Can a payday loan company file a lawsuit against me in Jerome, Arizona?

No, a payday loan company cannot file a lawsuit against you in Jerome, Arizona because these loans are illegal in the state.

Are there any federal laws that apply to payday loans in Jerome, Arizona?

Yes, there are federal laws that apply to payday loans in Jerome, Arizona, including the Military Lending Act and the Truth in Lending Act. These laws provide protections for consumers and regulate the practices of payday lenders.