Payday Loans in Saint Johns, Arizona

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

Company nameAddressZip codePhone number
Check Into Cash 1100 S State Route 260, Suite C4, Cottonwood, AZ 86326 +1 (928) 649 - 8796
Xpress Title Loans 1201 S Plaza Way, Flagstaff, AZ 86001 +1 (928) 615 - 8043
Arizona Smart Cash, Inc. 2609 S 4th Ave, Yuma, AZ 85364 +1 (928) 329 - 8700
Arizona Federal Credit Union - Business & Home Loan Center 14287 N 87th St 123, Scottsdale, AZ 85260 +1 (480) 609 - 0055
Sun Cities Financial Group 10451 W Palmeras Dr Ste N206, Sun City, AZ 85373 +1 (623) 933 - 4100
Walmart Money Center 1017 Haul Rd, Page, AZ 86040
Allied Cash Advance 140 E Deuce of Clubs Suite B, Show Low, AZ 85901 +1 (928) 537 - 8967
Pima Federal Credit Union 18767 S Nogales Hwy 115, Green Valley, AZ 85614 +1 (520) 202 - 0716
Bank of America with Drive-thru ATM 4550 N US-89, Flagstaff, AZ 86004 +1 (928) 526 - 2574
Phoenix Pawn & Gold 2803 W Van Buren St, Phoenix, AZ 85009 +1 (602) 272 - 3449

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Saint Johns, AZ, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Marana, AZ, Quick Loan in Maricopa, AZ, Short-term Loans in Mesa, AZ, Payday Loans in Peoria, AZ, Payday Loan Companies in Phoenix, AZ, Payday Loans in Prescott, AZ, Payday Loans in Prescott Valley, AZ and Bad Credit 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 Saint Johns, AZ.

Beautiful sights of Saint Johns, AZ

Are Payday Loans Legal In Saint Johns, 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

Saint Johns, AZ payday loan calculator

Payday loans have become a popular short-term financial solution for many Americans, but they are prohibited in several states, including Arizona. Saint Johns, a small city in Apache County, Arizona is no exception.

What is a payday loan?

A payday loan is a small, short-term loan that is typically due on the borrower’s next payday. The borrower writes a post-dated check for the loan amount plus fees, which the lender holds until the borrower’s payday.

Payday loans are intended to be a quick and easy solution to unexpected expenses or cash flow problems. However, they often come with high interest rates and fees that can trap borrowers in a cycle of debt.

Payday loans in Saint Johns, Arizona

As previously mentioned, payday loans are prohibited in Arizona. According to Arizona Revised Statutes Section 6-632, loans with an annual percentage rate (APR) of more than 36 percent are illegal. Payday loans typically have APRs of 400 percent or more, making them illegal in Arizona.

Why are payday loans prohibited in Arizona?

Payday loans have been the subject of much controversy and criticism over the years because of their high interest rates and fees. Proponents of payday loans argue that they provide much-needed financial assistance to people who are unable to access traditional forms of credit. However, critics argue that payday loans exploit vulnerable individuals and trap them in a cycle of debt that is difficult to escape.

In response to these concerns, several states, including Arizona, have passed laws to either prohibit payday loans or impose strict regulations on them.

Alternatives to payday loans

If you find yourself in need of quick cash in Saint Johns, Arizona, there are several alternatives to payday loans that may be more affordable and less risky:

  • Credit cards: If you have a credit card, you may be able to use it to cover your unexpected expenses. While credit cards can have high interest rates, they are still usually less expensive than payday loans.
  • Personal loans: Depending on your credit history, you may be able to qualify for a personal loan from a bank or credit union. Personal loans typically have lower interest rates than payday loans and longer repayment terms.
  • Government assistance: If you are eligible, you may be able to receive government assistance in the form of food stamps, housing assistance, or cash assistance.

The dangers of payday loans

While payday loans may seem like a convenient and easy solution to your financial problems, they are often a risky and expensive choice. Payday loans can trap you in a cycle of debt that is difficult to escape, and they can even lead to bankruptcy.

If you are considering a payday loan, it is important to carefully consider the risks and alternatives before making a decision.

Interesting facts and statistics about payday loans

  • The average payday loan borrower takes out eight loans a year, spending $520 on interest and fees alone.
  • 75% of payday loans are taken out by people who take out more than 10 loans a year.
  • Payday loans are banned in 14 states and the District of Columbia.

Apply Now

TheGuaranteedLoans is a connector service that can help you connect with a lender that fits your financial needs. Even though payday loans are illegal in Arizona, we can assist you in finding other short-term loan options.

Simply fill out our online application and we will match you with a potential lender. Remember, TheGuaranteedLoans is not a direct lender, and we do not make credit decisions. Our goal is to connect you with a lender that meets your financial needs.

In conclusion

Payday loans are illegal in Arizona, including Saint Johns. While they may seem like a convenient solution to your financial problems, they can lead to a cycle of debt that is difficult to escape. Instead of turning to payday loans, consider alternative options such as credit cards and personal loans. And if you need help finding a lender that meets your needs, consider using TheGuaranteedLoans to connect you with potential lenders.

F.A.Q.

What are the penalties for offering or taking out a payday loan in Saint Johns, Arizona?

Offering or taking out a payday loan in Saint Johns, Arizona is considered a criminal offense and can result in fines and imprisonment.

Are there any exceptions to the payday loan prohibition in Saint Johns, Arizona?

No, there are no exceptions to the payday loan prohibition in Saint Johns, Arizona.