Payday Loans in Prescott, Arizona

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Payday Loan Companies in Prescott, AZ

Company nameAddressZip codePhone number
Academy Mortgage 141 S McCormick St 107 86303 +1 (928) 777 - 8971
Allied Cash Advance 1260 Gail Gardner Way #131 86305 +1 (928) 541 - 1708
BBVA Bank 923 E Gurley St 86301 +1 (928) 778 - 3311
BMO Harris Bank 303 N Montezuma St 86301 +1 (928) 776 - 1010
Brian Brooks Thrivent Financial Prescott AZ 201 N Alarcon St ste b 86301 +1 (928) 350 - 6002
Check Into Cash 1046 Willow Creek Rd Suite 113 86301 +1 (928) 771 - 9418
Country Bank a Division of State Bank of Arizona 147 N Cortez St 86301 +1 (928) 443 - 9595
Credit Union West 528 W Gurley St 86301 +1 (602) 631 - 3200
Downtown Motors/Downtown Title Loans 620 E Sheldon St 86301 +1 (928) 445 - 1890
Evergreen Home Loans Prescott NMLS 1637067 1955 Commerce Center Cir Suite D 86301 +1 (928) 445 - 8652
Fast Auto Loans Title Loans 811 Whipple St Suite 4 86301 +1 (928) 771 - 2176
Fast Auto Loans, Inc. 1106 E Gurley St 86301 +1 (928) 771 - 2176
Homeowners Financial Group 140 N Montezuma St Suite 100 86301 +1 (928) 237 - 1886
Mile High Lending, LLC 3625 Crossings Dr ste a 86305 +1 (928) 778 - 1400
OneAZ Credit Union 1335 Gail Gardner Way 86305 +1 (928) 777 - 6060
Peoples Mortgage 122 N Cortez St 101 86301 +1 (480) 752 - 3530
Pilgrim Denny Team- Wallick & Volk Mortgage 3767 Karicio Ln suite b 86303 +1 (928) 541 - 8737
Pinnacle Bank 255 E Sheldon St Ste B 86301 +1 (928) 443 - 8888
Prescott Federal Credit Union 500 AZ-89 bldg t-5 86313 +1 (928) 445 - 7970
Smart Mortgage 1701 Emerald Dr suite d 86301 +1 (888) 494 - 4795
TitleMax Title Loans 1205 Gail Gardner Way 86305 +1 (928) 778 - 1845
Walmart Money Center 401 Prescott Lakes Pkwy 86301
Wells Fargo Advisors 201 N Montezuma St Suite 101 86301 +1 (928) 778 - 7780
Zions First National Bank 102 W Gurley St 86301 +1 (928) 541 - 7513

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Prescott, AZ, you can try to find different companies in big cities near by. Check out the following pages here: Bad Credit Loans in Prescott Valley, AZ, Short-term Loans in Queen Creek, AZ, Payday Loans in San Luis, AZ, Same Day Loans in Scottsdale, AZ, Payday Loans in Sierra Vista, AZ, Quick Loan in Sun City, AZ, Payday Loans in Surprise, AZ and Payday Loans in Tempe, 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 Prescott, AZ.

Beautiful sights of Prescott, AZ

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

86302, 86304, 86313, 86301, 86303, 86305

Are Payday Loans Legal In Prescott, 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

Prescott, AZ payday loan calculator

Payday Loans in Prescott, Arizona: Prohibited but Not Useless

It’s no mystery that payday loans are a popular source of fast cash, but what many don’t realize is that Arizona has prohibited payday loans completely. Payday lending laws in the state state that no person or entity may issue, arrange, or otherwise make payday loans in Arizona, regardless of the amount of time of repayment. So, what do you do if you’re in need of a loan in Prescott?

Payday Loans Alternatives in Prescott, Arizona

The answer to this question lies in understanding a few of the options available to you, particularly if you’re looking for a short-term loan. Options such as:

  • Installment Loans – may be an option for short-term borrowing in Prescott, Arizona. Installment loans feature flexible repayment terms tailored to the individual, so you can choose the amount and length of time that suits your budget.
  • Finance Company Loans – are another potential option if you’re looking for a short-term loan. Unlike payday loans, finance companies don’t work to offer you the lowest interest rate, but they do offer flexible repayment terms that can be tailored to the borrower’s needs.
  • Title Loans – can be another great way to borrow money in Prescott, Arizona. A title loan is a short-term loan that’s secured by your vehicle. The amount that you can borrow will depend on the appraised value of your car, but the loans come with flexible repayment terms and generally favorable interest rates.

Understanding the Pros and Cons of Short-Term Loans

No matter which short-term loan you opt for, it’s important to understand the advantages and disadvantages that come with borrowing such a loan. For instance, here are a few advantages:

  • Quick Funding – Short-term loans are generally funded within a day or two of applying, so they’re a great option if you need money quickly.
  • Flexible Terms – Unlike payday loans, short-term loans come with flexible repayment terms, so you can structure the loan to best suit your budget.
  • Easy Qualification – Short-term lenders typically make it very easy to qualify for a loan, so they’re a great option if you’ve been denied a loan from a traditional lender.

However, it’s also important to consider the disadvantages of short-term loans:

  • High Interest Rates – While short-term lenders do offer favorable interest rates compared to payday loans, they are still typically higher than conventional loans.
  • Repayment Penalties – Most short-term loans come with strict repayment penalties if you fail to pay back the loan on time, which can significantly add to the amount you owe.
  • Not Available in All States – Short-term lenders are not available in all states, so if you’re in need of a loan in Prescott, Arizona, you’ll have to look elsewhere.

Apply Now

If you’re looking for a loan in Prescott, Arizona, TheGuaranteedLoans can help. We’re not lenders, but we can connect you with lenders who offer short-term loans with flexible repayment terms and interest rates. To apply now, just fill out the online application and let our experts do the rest.

F.A.Q

  • What is a short-term loan? A short-term loan is a type of loan that can be used to cover emergency costs or unexpected expenses.
  • What types of short-term loans are available? Short-term loans such as installment, finance company, and title loans are available in Prescott, Arizona.
  • Are payday loans available in Prescott, Arizona? No, payday loans are prohibited in Arizona.
  • Are there any benefits of taking out a short-term loan? Yes, short-term loans often feature quick funding, flexible repayment terms, and easy qualification.
  • Can I apply for a loan at TheGuaranteedLoans? Yes, you can apply for a loan at TheGuaranteedLoans. We’ll connect you with lenders who offer short-term loans with flexible repayment terms and interest rates.

Conclusion

Though payday loans are prohibited in Arizona, there are still other options for short-term borrowing in Prescott, Arizona. Installment loans, finance company loans, and title loans are all potential options that come with flexible repayment terms and favorable interest rates. If you’re in need of a loan, TheGuaranteedLoans can help. Fill out our online application and let our experts connect you with lenders that can meet your needs.

More F.A.Q.

What should I do if a payday loan lender is threatening me with legal action in Prescott, Arizona?

If a payday loan lender is threatening you with legal action in Prescott, Arizona, you should contact the Arizona State Department of Financial Services to report the lender's actions. The department may be able to help you resolve the issue and protect your rights.

Is it possible to get a payday loan from a lender in another state and use it in Prescott, Arizona?

No, it is not possible to get a payday loan from a lender in another state and use it in Prescott, Arizona. Payday loans are illegal in Prescott, Arizona, regardless of where the lender is located.

How Many Cash Advance Companies are in Prescott, AZ?

With the help of our service, you will be able to find 24 cash advance companies in Prescott, AZ

What Cash Advance Companies in Prescott, AZ are the most popular?

You should check Academy Mortgage, Allied Cash Advance, and BBVA Bank. Also, you can start your application online on our website.