Payday Loans in Valley Farms, Arizona

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

Company nameAddressZip codePhone number
Phoenix Title Loans, LLC 1107 E Main St, Mesa, AZ 85203 +1 (480) 610 - 1241
Check Into Cash 1426 E Route 66, Suite 102-B, Flagstaff, AZ 86001 +1 (928) 213 - 1731
Arizona Smart Cash, Inc. 2609 S 4th Ave, Yuma, AZ 85364 +1 (928) 329 - 8700
Speedy Cash 1960 W Baseline Rd, Mesa, AZ 85202 +1 (480) 755 - 1110
American Southwest Credit Union 3090 E Fry Blvd, Sierra Vista, AZ 85635 +1 (520) 459 - 1860
Ready Money 4664 E Speedway Blvd, Tucson, AZ 85712 +1 (520) 784 - 0100
Speedy Cash 1215 S Country Club Dr, Mesa, AZ 85210 +1 (480) 844 - 2274
Wells Fargo Bank 1731 W Hunt Hwy, Queen Creek, AZ 85143 +1 (480) 457 - 1380
Western Union Walgreens, 1959 N Grand Ave, Nogales, AZ 85621 +1 (520) 281 - 4398
Allied Cash Advance 183 Apache Trail Suite 108, Apache Junction, AZ 85120 +1 (480) 288 - 2906

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Valley Farms, AZ, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loan for Casa Grande, AZ, Bad Credit Loans in Chandler, AZ, No Credit Check Loans in El Mirage, AZ, 24-Hour Loan in Flagstaff, AZ, Payday Loans in Gilbert, AZ, Payday Loan for Glendale, AZ, 24-Hour Loan in Goodyear, AZ and Payday Loans in Lake Havasu City, 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 Valley Farms, AZ.

Are Payday Loans Legal In Valley Farms, 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

Valley Farms, AZ payday loan calculator

Payday Loans in Valley Farms, Arizona – What You Need to Know

If you’re in a financial bind, you may have heard about payday loans as an option to get quick cash. However, if you’re located in Valley Farms, Arizona, you should know that payday loans are prohibited by state law. In this article, we’ll explain what payday loans are, why they’re illegal in Arizona, and what alternatives you can consider instead.

What are Payday Loans?

Payday loans are short-term loans typically due on the borrower’s next payday. They are marketed as a quick and easy option for those with poor credit or in need of emergency funds. In most cases, borrowers write a post-dated check or provide electronic access to their bank account as collateral for the loan. These loans come with high interest rates and fees, and if the borrower cannot repay the loan on time, they may roll over the loan for an additional fee.

Why are Payday Loans Illegal in Arizona?

Arizona Revised Statutes, § 6-632, states that “payday loans are prohibited in this state.” The law was passed in 2010 when voters decided to not renew the enabling law that allowed payday loans. This was due to concerns about the high fees charged by payday lenders and the cycle of debt that borrowers often find themselves in.

Alternatives to Payday Loans

Just because payday loans are illegal in Arizona doesn’t mean that you don’t have other options when you’re in need of emergency funds. Consider these alternatives instead:

  • Personal loans: If you have good credit, a personal loan from a bank or credit union may be a better option.
  • Credit counseling: A nonprofit credit counselor can provide you with free advice on managing your finances and finding ways to avoid debt.
  • Alternative lenders: Some online lenders offer personal loans with more flexible terms than traditional lenders. However, make sure to do your research and choose a reputable lender.
  • Credit cards: If you have a credit card with an available balance, it may be a better option to use that instead of taking out a payday loan.

Interesting Facts and Statistics

  • The average payday loan in Arizona is $350 with an average annual percentage rate (APR) of 460%.
  • Arizona residents pay an estimated $253 million in fees for payday loans each year.

Important Note: While payday loans may seem like an easy way to get quick cash, they often lead to a cycle of debt. If you’re in need of emergency funds, consider one of the alternatives listed above.

Apply Now

At TheGuaranteedLoans, we understand that unexpected expenses can be stressful. That’s why we offer our services as a connector between borrowers and potential lenders. We work with a network of trusted lenders who can offer personal loans with flexible terms. To get started, fill out our online application now. Remember that TheGuaranteedLoans is not a direct lender and does not make credit decisions. We simply facilitate the connection between borrowers and potential lenders.

Conclusion

Payday loans may seem like a quick fix for financial stress, but in reality, they often lead to more financial stress in the long run. It’s important to stay informed and understand the alternatives that are available to you. Remember that payday loans are illegal in Arizona, so consider one of the other options listed above if you’re in need of emergency funds.

F.A.Q.

Why are payday loans illegal in Valley Farms, Arizona?

Payday loans are illegal in Valley Farms, Arizona because they often have high interest rates and fees that can trap borrowers in a cycle of debt. The state's regulations are designed to protect consumers from predatory lending practices.

What are some alternative options for getting quick access to cash in Valley Farms, Arizona?

in Valley Farms, Arizona, consumers can seek out alternative forms of financing, such as small personal loans, credit union loans, or even borrowing from friends or family.