Payday Loans in Oatman, Arizona

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

Company nameAddressZip codePhone number
Desert Financial Credit Union 10725 Grand Ave, Sun City, AZ 85351 +1 (602) 433 - 7000
Mariner Finance 13070 W Rancho Santa Fe Blvd Suite C4, Avondale, AZ 85392 +1 (623) 233 - 8116
Chase Bank 400 N White Mountain Rd, Show Low, AZ 85901 +1 (928) 537 - 4311
ABC Finance Co 6740 N Oracle Rd 120, Tucson, AZ 85704 +1 (520) 320 - 3700
1 Stop Title Loans & Motor Vehicle Services 1501 N 16th St, Phoenix, AZ 85006 +1 (602) 253 - 6002
1 Checks Cashed 1 5270 N 59th Ave 5, Glendale, AZ 85301 +1 (623) 842 - 2610
Loanmax Title Loans 7450 W Cactus Rd, Peoria, AZ 85381 +1 (623) 239 - 3350
Tio Rico Te Ayuda Loan Centers 2428 N 16th St, Phoenix, AZ 85006 +1 (602) 252 - 4177
First Bank Convenience 100 W White Park Dr, Nogales, AZ 85621
Checkmate 29 N Val Vista Dr #101, Gilbert, AZ 85234 +1 (480) 288 - 6885

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Oatman, AZ, you can try to find different companies in big cities near by. Check out the following pages here: Bad Credit Loans in Gilbert, AZ, Short-term Loans in Glendale, AZ, Payday Loans in Goodyear, AZ, Payday Loans in Lake Havasu City, AZ, Payday Loans in Marana, AZ, Payday 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 Oatman, AZ.

Beautiful sights of Oatman, AZ

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

86433

Are Payday Loans Legal In Oatman, 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

Oatman, AZ payday loan calculator

Understanding the Prohibition of Payday Loans in Oatman, Arizona

If you live in Oatman, Arizona, you may have wondered about payday loans and whether they are legal in the state. Unfortunately, the answer is no. Payday loans are prohibited in Arizona under the Arizona Revised Statutes 33-1125 and 33-1361, due to the high interest rates and fees that come with these types of loans.

What Exactly Are Payday Loans?

For those who are unfamiliar, payday loans are short-term loans that are meant to be repaid on the borrower’s next payday. Borrowers typically provide post-dated checks or access to their bank accounts to guarantee repayment. While the loans may seem like a quick, easy solution for those facing financial difficulties, they can be incredibly costly.

This is because payday loan lenders often charge high interest rates, with some charging up to 400% APR on average. These fees can add up quickly, leaving borrowers in a cycle of debt that is difficult to escape.

Why Are Payday Loans Prohibited in Arizona?

The state of Arizona recognizes the risks associated with payday loans and has taken action to protect its residents from predatory lending practices. By prohibiting payday loans, the state is attempting to prevent borrowers from falling into a cycle of debt that can be incredibly difficult to break free from.

Furthermore, payday loans have been found to disproportionately affect low-income and minority communities, leading to accusations of exploitative practices. In order to prevent further harm to vulnerable groups, the state of Arizona has taken a firm stance against payday lending.

What are the Penalties for Lending Payday Loans in Arizona?

Under Arizona law, payday lenders who attempt to offer loans to Arizona residents can face serious consequences. Lenders who violate the state’s laws can be subject to civil penalties and may even lose their licenses to operate in the state. Additionally, lenders who charge excessive fees can be subject to legal action from the state itself.

Interesting Facts and Statistics

  • Arizona has some of the strictest laws regarding payday lending in the United States.
  • Between 2007 and 2010, payday lending companies in Arizona charged an average interest rate of 459%.
  • Many borrowers who take out payday loans end up taking out multiple loans, leading to a cycle of debt that is difficult to break free from.

Apply Now with TheGuaranteedLoans

While payday loans are not legal in Arizona, there are still options available for those who are looking for financial assistance. TheGuaranteedLoans is a connector service that can help connect borrowers with lenders who offer different types of loans, including personal loans and short-term installment loans.

It’s important to remember that TheGuaranteedLoans is not a direct lender, but rather a third-party service that facilitates connections between borrowers and lenders. By submitting an application through our website, you can be connected with potential lenders who may be able to assist you with your financial needs.

So if you’re in need of financial assistance in Oatman, Arizona, don’t hesitate to fill out an application with TheGuaranteedLoans. Our team is dedicated to providing our customers with quality service and helping them find the right loan options for their unique financial situations.

F.A.Q.

Are there any alternatives to payday loans in Oatman, Arizona?

Yes, there are several alternatives to payday loans in Oatman, Arizona, including credit unions, community development financial institutions, and small-dollar loan programs offered by banks and credit unions.

Can I still take out a payday loan if I live in Oatman, Arizona but the lender is based in another state?

No, it is illegal for payday lenders to offer loans to residents of Arizona, regardless of where the lender is located.