Payday Loans in Kirkland, Arizona

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

Company nameAddressZip codePhone number
National Bank of Arizona 1470 AZ-89A, Sedona, AZ 86336 +1 (928) 204 - 1060
Check Into Cash 1426 E Route 66, Suite 102-B, Flagstaff, AZ 86001 +1 (928) 213 - 1731
West Valley National Bank 402 W Pima St, Gila Bend, AZ 85337 +1 (623) 536 - 9862
Farm Credit West 1120 S 20th Ave, Safford, AZ 85546 +1 (800) 285 - 9810
Sunstreet Mortgage LLC - Sierra Vista 1993 Frontage Rd 206, Sierra Vista, AZ 85635 +1 (520) 459 - 1161
Allied Cash Advance 7865 E Broadway Blvd Suite 135, Tucson, AZ 85710 +1 (520) 722 - 9479
SunWest Credit Union 11839 N 28th Dr, Phoenix, AZ 85029 +1 (866) 897 - 9378
Mohave State Bank 3651 AZ-95, Bullhead City, AZ 86442 +1 (928) 704 - 0000
Mission Bank 1455 Palma Way 6731, Bullhead City, AZ 86442 +1 (928) 704 - 5505
Checkmate 1980 W Orange Grove Rd # 150, Tucson, AZ 85704 +1 (520) 297 - 5753

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Kirkland, AZ, you can try to find different companies in big cities near by. Check out the following pages here: No Credit Check Loans in Gilbert, AZ, Payday Loans in Glendale, AZ, Payday Loans in Goodyear, AZ, Guaranteed Loans in Lake Havasu City, AZ, Payday Loans in Marana, AZ, Guaranteed Loans in Maricopa, AZ, Payday Loans in Mesa, AZ and Payday Loans in Peoria, 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 Kirkland, AZ.

Are Payday Loans Legal In Kirkland, 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

Kirkland, AZ payday loan calculator

Payday Loans in Kirkland, Arizona: What You Need to Know

Payday loans are a short-term loan option typically used by individuals in need of quick cash. With short repayment terms and high interest rates, these loans can be quite risky for borrowers, especially those who struggle to repay the loan in full. Payday loans have been banned in Arizona since 2010, and this means that lenders are not authorized to operate in the state.

What are payday loans?

Payday loans are short-term loans between $100 and $1,500, offered to borrowers who need quick cash. These loans are designed to be repaid within a short period, usually within two weeks. The loan is usually secured by a postdated check or an electronic withdrawal authorization from the borrower’s account. Some lenders may require collateral such as a car title. The lender charges a high interest rate and fees on the loan, and if the borrower fails to repay on time, it can lead to debt traps.

The ban on payday loans in Arizona

Prior to 2010, payday loans were legal in Arizona, and the industry thrived with over 700 lenders operating in the state. However, in 2008, voters in the state rejected a ballot initiative that would have permitted payday lending to continue. In 2010, the state legislature allowed the law that permitted payday lending to expire. Since then, payday loans have been illegal in Arizona, and lenders cannot operate in the state.

Alternatives to payday loans

If you need quick cash, there are alternatives to payday loans that you can consider. One option is an installment loan, which allows borrowers to repay the loan over several months instead of all at once. Another option is a personal loan, which you can obtain from a credit union or bank. Credit unions and banks often offer lower interest rates compared to payday loans and are a better option if you have good credit.

You might also consider a credit card cash advance, which allows you to borrow cash against your credit card’s limit. While this can be an expensive option, it might be a better alternative than payday loans.

Interesting Facts About Payday Loans

  • It is estimated that 12 million Americans take out payday loans each year
  • The average payday loan borrower takes out eight loans a year
  • Payday loans can have interest rates as high as 400%
  • Payday loans trap borrowers in a cycle of debt, with four out of every five payday loans being rolled over or renewed
  • Payday loans are illegal in 18 states, including Arizona

Apply Now

If you’re in need of quick cash, TheGuaranteedLoans.com can help connect you with potential lenders. Fill out an online application today, and we’ll work to connect you with a lender who can offer you a loan option that works for you. We are a connector service, not a direct lender, and we do not make lending decisions. We work with lenders who operate in states where payday loans are legal, and we’ll help you find the best option available to you. Apply now and get the cash you need!

Remember, payday loans are prohibited in Arizona. Ensure that you only use legal loan options and that you understand the terms and conditions of the loan before signing any documents.

F.A.Q.

Can I be arrested for taking out a payday loan in Kirkland, Arizona?

It is unlikely that a borrower would be arrested for taking out a payday loan in Kirkland, Arizona, as the focus of enforcement efforts is typically on the lenders, rather than the borrowers. However, borrowers who knowingly engage in illegal activities, such as providing false information to a lender or participating in a loan scheme, may face criminal charges.

Are there any other resources available to help me avoid predatory lending in Kirkland, Arizona?

Yes, there are several resources available to help consumers avoid predatory lending in Kirkland, Arizona, including the state's Consumer Financial Protection Bureau, the Arizona State Banking Department, and the Arizona City Department of Consumer Affairs.