Payday Loans in Sun Valley, Arizona

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

Company nameAddressZip codePhone number
Western Union 650 N Main Bashas, Taylor, AZ 85939 +1 (928) 536 - 2050
TitleBucks Title Loans 3771 S 12th Ave, Tucson, AZ 85713 +1 (520) 917 - 0119
Wells Fargo Bank 2187 El Mercado Loop, Sierra Vista, AZ 85635 +1 (520) 459 - 7867
National Bank of Arizona 1400 E Woolford Rd, Show Low, AZ 85901 +1 (928) 532 - 4500
Alaska USA Federal Credit Union 3511 W Peoria Ave, Phoenix, AZ 85029 +1 (800) 525 - 9094
Bank of America 508 West Allen St, Tombstone, AZ 85638
Pioneer Title Agency 809 N Navajo Dr suite a, Page, AZ 86040 +1 (928) 645 - 0064
Washington Federal Bank 200 E Sycamore St, Globe, AZ 85501 +1 (928) 425 - 5789
Buckeye Checksmart Glen Manor, 2528 W Glendale Ave, Phoenix, AZ 85051 +1 (602) 995 - 1800
Maxx Merchants 14301 N 87th St, Scottsdale, AZ 85260 +1 (480) 478 - 0136

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Sun Valley, AZ, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in Marana, AZ, 24-Hour Loan in Maricopa, AZ, Payday Loan Companies in Mesa, AZ, Payday Loans in Peoria, AZ, Payday Loans in Phoenix, AZ, No Credit Check Loans in Prescott, AZ, Emergency Loan in Prescott Valley, AZ and 24-Hour Loan 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 Sun Valley, AZ.

Beautiful sights of Sun Valley, AZ

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

86029

Are Payday Loans Legal In Sun Valley, 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

Sun Valley, AZ payday loan calculator

Welcome to TheGuaranteedLoans, your trusted source for all things loan-related. While we typically focus on payday loans and other types of lending, today we want to talk about payday loans in Sun Valley, Arizona.

The Facts about Payday Loans in Sun Valley, Arizona

Before we dive in, it’s important to note that payday loans are actually illegal in Arizona. As of 2010, the state passed a law that prohibited payday lenders from operating in Arizona. While some online lenders may still try to offer services to Arizona residents, it’s important to understand that these loans are not legally valid in the state.

Why did Arizona pass this law? According to a report from The Pew Charitable Trusts, the average payday loan borrower in Arizona takes out 10 loans per year, with an average loan amount of $314 and an average APR of 459%. These high-interest loans put borrowers at risk of falling deeper into debt, which is why many states have cracked down on payday lending.

The Dangers of Payday Loans

While payday loans may seem like a quick and easy solution when you need cash fast, they come with a high price. With interest rates as high as 400-500%, borrowers can quickly find themselves trapped in a cycle of debt.

According to a report from the Consumer Financial Protection Bureau (CFPB), more than 80% of payday loans are rolled over or renewed within two weeks, meaning that borrowers are taking out new loans to pay off old ones. This can lead to a cycle of debt that can be difficult to escape.

Additionally, many payday lenders require access to borrowers’ bank accounts in order to make automatic withdrawals. This can lead to additional fees and overdraft charges if the borrower doesn’t have enough money in their account to cover the payment.

The Alternatives to Payday Loans

If you’re in need of quick cash, there are alternatives to payday loans that can help you avoid the high interest rates and cycle of debt. Here are some options to consider:

  • Personal Loans: While personal loans may take longer to process than payday loans, they typically come with lower interest rates and more flexible terms.
  • Credit Cards: If you have a credit card, using it for a cash advance may be a better option than a payday loan. Just be aware that cash advances typically come with a higher interest rate than other credit card purchases.
  • Community Assistance Programs: Many communities offer assistance programs for low-income residents. These programs may be able to help you with things like food, housing, and medical expenses.

Interesting Statistics about Payday Loans

  • In 2019, the average payday loan borrower took out 10 loans per year, with an average loan amount of $375 and an average interest rate of 391%.
  • In 2018, the payday lending industry made $9.2 billion in fees alone.
  • In 2020, the Consumer Financial Protection Bureau (CFPB) proposed new rules that would require lenders to verify borrowers’ ability to repay before issuing a loan.

Apply Now

If you’re in need of quick cash, TheGuaranteedLoans can help. But remember, payday loans are illegal in Arizona. Instead, consider one of the alternatives we mentioned above. If you’re unsure which option is right for you, our team of loan experts can help you find the best solution for your needs.

Applying is easy – just fill out our online application and we’ll connect you with potential lenders who can help you get the cash you need. Remember, we’re a connector service, not a direct lender. That means we don’t issue loans directly, but we’ll help you find lenders who can.

Final Thoughts

While payday loans may seem like an easy way to get quick cash, they come with a high price. If you’re considering a payday loan, we urge you to explore your alternatives first. And if you do decide to take out a loan, be sure to read the terms and conditions carefully and make sure you understand all of the fees and interest rates before signing on the dotted line. At TheGuaranteedLoans, it’s our mission to help you make informed decisions about your finances and find the best lending solutions for your needs.

F.A.Q.

Are there any alternatives to payday loans in Sun Valley, Arizona?

Yes, there are several alternatives to payday loans in Sun Valley, 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 Sun Valley, 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.