Payday Loans in Palo Verde, Arizona

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

Company nameAddressZip codePhone number
Prescott Federal Credit Union 500 AZ-89 bldg t-5, Prescott, AZ 86313 +1 (928) 445 - 7970
Dunton Motors Auto Sales & Title Loans & Classic Cars 2190 AZ-95, Bullhead City, AZ 86442 +1 (928) 704 - 0060
Raymond James Financial Services - Terry D Cox 12625 N Saguaro Blvd 102, Fountain Hills, AZ 85268 +1 (480) 837 - 4590
American Southwest Credit union 1919 E 10th St, Douglas, AZ 85607 +1 (520) 459 - 1860
Walmart Money Center 100 W White Park Dr, Nogales, AZ 85621 +1 (520) 281 - 4974
Allied Cash Advance 7865 E Broadway Blvd Suite 135, Tucson, AZ 85710 +1 (520) 722 - 9479
Jackson Hewitt Tax Service 1060 S Watson Rd, Buckeye, AZ 85326 +1 (623) 745 - 3841
Oportun 582 Piceno Dr 1301, San Luis, AZ 85349 +1 (928) 315 - 1210
Marta Vizcarra - Peoples Mortgage Company 1610 E River Rd UNIT 18, Tucson, AZ 85718 +1 (520) 861 - 6397
National Bank of Arizona 219 N 4th St, Buckeye, AZ 85326 +1 (623) 474 - 0600

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Palo Verde, AZ, you can try to find different companies in big cities near by. Check out the following pages here: Same Day Loans in Marana, AZ, Bad Credit Loans in Maricopa, AZ, Payday Loans in Mesa, AZ, Guaranteed Loans in Peoria, AZ, Payday Loans in Phoenix, AZ, Emergency Loan in Prescott, AZ, Online Loans in Prescott Valley, AZ and Payday Loans in Queen Creek, 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 Palo Verde, AZ.

Are Payday Loans Legal In Palo Verde, 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

Palo Verde, AZ payday loan calculator

Payday loans are a type of short-term loan that is often used by people who need to borrow money quickly. These loans are designed to be repaid within a few weeks, often on the borrower’s next payday. While they can be useful in situations where unexpected expenses have arisen, payday loans can also be very expensive and can lead to a cycle of debt if they are not repaid on time.

The Reality of Payday Loans in Palo Verde, Arizona

In Palo Verde, Arizona, payday loans are prohibited under state law. This means that it is illegal to offer or take out a payday loan in the state. Unfortunately, many people in Palo Verde and throughout Arizona still find themselves needing to borrow money quickly and turn to other options instead.

One alternative to payday loans in Palo Verde is a car title loan, which is a type of secured loan that uses a borrower’s vehicle as collateral. However, car title loans can also be very expensive and come with high interest rates and fees.

The Risks of Payday and Title Loans

While payday and title loans can seem like a quick and easy way to get the money you need, they come with significant risks and drawbacks.

  • High interest rates: Payday and title loans often come with very high interest rates, often in the triple digits. This can make it very difficult to repay the loan on time and can lead to a cycle of debt.
  • Short repayment terms: Payday loans are typically due on the borrower’s next payday, which can be just a few weeks away. This can make it difficult to save up the money needed to repay the loan and can lead to a cycle of debt.
  • Vehicle repossession: With car title loans, the lender has the right to repossess the borrower’s vehicle if they are unable to repay the loan. This can be devastating for people who rely on their vehicle for work or other essential tasks.
  • Debt spiral: If a borrower is unable to repay a payday or title loan on time, the fees and interest can quickly add up. This can lead to a debt spiral where the borrower must constantly take out new loans to pay off the old ones.

Alternative Options in Palo Verde, Arizona

If you need to borrow money in Palo Verde, Arizona, there are alternatives to payday and title loans that are legal and less risky.

  • Credit unions: Credit unions are non-profit financial institutions that offer loans with lower interest rates and fees than payday and title loans.
  • Personal loans: Banks and other traditional lenders offer personal loans that can be used for a variety of purposes.
  • Credit counseling: If you’re struggling with debt, credit counseling can help you develop a plan to get back on track and avoid high-interest loans in the future.

Interesting Facts and Statistics About Payday Loans in Palo Verde, Arizona

  • In 2010, Arizona passed a law banning payday loans.
  • Before the ban, payday lenders in Arizona charged interest rates as high as 459%.
  • Between 2005 and 2010, payday lending in Arizona increased by 203%.
  • According to a 2017 report by the Center for Responsible Lending, payday loans cost Arizona families $255 million in fees each year.
  • Despite the ban on payday loans, some lenders in Arizona have tried to skirt the law by offering loans with fees that are just as high.

Apply Now with TheGuaranteedLoans

If you are in need of a loan in Palo Verde, Arizona, TheGuaranteedLoans can help you find the right lender for your needs. We are a connector service, which means that we work with a network of reputable lenders who can offer a variety of loan options. Our online application process is quick and easy, and we can help connect you with lenders who offer loans with fair interest rates and repayment terms that work for you. Apply now to get started.

F.A.Q.

How do I know if a lender is offering illegal payday loans in Palo Verde, Arizona?

Lenders offering illegal payday loans in Palo Verde, Arizona may not be licensed by the state and may have high interest rates and fees that are not allowed under state law.

What can I do if I have taken out an illegal payday loan in Palo Verde, Arizona?

If you have taken out an illegal payday loan in Palo Verde, Arizona, you can contact the Arizona State Department of Financial Services to report the lender and seek assistance in resolving the issue.