Payday Loans in Tubac, Arizona

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

Company nameAddressZip codePhone number
Fairway Independent Mortgage Corporation 1865 W State Rte 89A Suite D, Suite D, Sedona, AZ 86336 +1 (928) 282 - 3200
Allied Cash Advance 140 E Deuce of Clubs Suite B, Show Low, AZ 85901 +1 (928) 537 - 8967
Allied Cash Advance 9420 E Golf Links Rd Suite 100, Tucson, AZ 85730 +1 (520) 733 - 0481
Pinal County Federal Credit Union 290 S Phelps Dr, Apache Junction, AZ 85120 +1 (520) 381 - 3100
Presto Auto Loans 3264 N Glassford Hill Rd d, Prescott Valley, AZ 86314 +1 (928) 759 - 8665
Homeowners Financial Group 830 S Main St Suite 2-H, Cottonwood, AZ 86326 +1 (928) 295 - 7830
Real Fast Car Title Loans Nogales 480 N Grand Ave, Nogales, AZ 85621 +1 (520) 317 - 5648
Best Title Loans AZ 3100 W Ray Rd #201, Chandler, AZ 85226 +1 (480) 535 - 5655
Allied Cash Advance 995 W 4th St Suite A, Benson, AZ 85602 +1 (520) 586 - 1403
Arizona Federal Credit Union - Avondale 13085 W McDowell Rd 6435, Avondale, AZ 85392 +1 (602) 683 - 1000

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Tubac, AZ, you can try to find different companies in big cities near by. Check out the following pages here: 24-Hour Loan in Gilbert, AZ, Payday 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 Emergency Loan 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 Tubac, AZ.

Beautiful sights of Tubac, AZ

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

85646

Are Payday Loans Legal In Tubac, 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

Tubac, AZ payday loan calculator

What You Need to Know About Payday Loans in Tubac, Arizona

Although payday loans are prohibited in Arizona, many people still find themselves in need of emergency funds. Tubac, a beautiful historic town in the heart of Santa Cruz County, is no exception. In this article, we’ll discuss payday loans and why they are not a good financial tool for residents of Tubac.

Why Are Payday Loans Prohibited in Arizona?

Arizona state law prohibits payday loans because of the exorbitant interest rates and fees they charge. Prior to this legislation, payday lenders in Arizona could charge up to 459% APR on a $100 loan. This predatory lending practice led to many people falling into a cycle of debt and financial ruin.

The Cycle of Debt

Payday loans often trap borrowers in a cycle of debt. Here’s how it works:

  • The borrower takes out a payday loan, which usually must be repaid in full within two weeks.
  • If the borrower cannot repay the loan in full, the lender may offer to roll over the loan for an additional fee.
  • With each rollover, the borrower accumulates more fees and interest.
  • The borrower may end up paying more in fees and interest than the amount they originally borrowed.
  • Unable to pay off the debt, the borrower takes out another payday loan to cover the expenses, continuing the cycle.

Alternatives to Payday Loans

Fortunately, there are alternatives to payday loans available to residents of Tubac.

Installment Loans

An installment loan is a type of loan that allows borrowers to repay the loan in fixed monthly installments over a longer term. Unlike payday loans, installment loans are not due in full on the borrower’s next payday. Installment loans often have lower interest rates and fees than payday loans, making them a more affordable option.

Credit Union Loans

Credit unions are not-for-profit financial cooperatives that offer loans and other financial services to their members at competitive rates. Many credit unions offer small-dollar loans with reasonable terms and interest rates, making them a good alternative to payday loans.

Interesting Facts and Statistics About Payday Loans in Tubac, Arizona

While payday loans are not legal in Arizona, that doesn’t mean that there isn’t a demand for them. Here are some interesting facts and statistics about payday loans in Tubac:

  • According to a 2018 study by the Center for Financial Services Innovation, 32% of Arizona households are “financially vulnerable,” meaning they have difficulty covering basic living expenses like rent, food, and utilities.
  • According to the same study, 22% of Arizona households have used a payday loan in the past five years.
  • The average payday loan in Arizona is $255, with an average APR of 400%. Borrowers typically end up paying $75 in interest and fees for every $100 borrowed.

Apply Now

If you find yourself in need of emergency funds, TheGuaranteedLoans can help connect you with potential lenders. Keep in mind that we are a connector service, not a direct lender, and we do not make credit decisions. Our service is free, and the application process is quick and easy.

Visit our website today to learn more and fill out an online application. Our lenders have flexible repayment terms and may be able to offer you an installment loan with reasonable interest rates and fees.

Remember, payday loans may seem like a quick fix, but they can lead to long-term financial problems. Explore other options, like installment loans or credit union loans, before turning to payday lenders.

F.A.Q.

Can I take out a payday loan online in Tubac, Arizona?

No, even if the lender is located outside of Arizona, it is illegal to take out a payday loan online in this state.

Can I take out a payday loan from a lender in another state and use it in Tubac, Arizona?

No, it is illegal to use a payday loan from another state in Tubac, Arizona.