Payday Loans in Waddell, Arizona

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

Company nameAddressZip codePhone number
Pioneer Title Agency 812 E Ash St, Globe, AZ 85502 +1 (928) 425 - 7110
Bancless 16026 N Cave Creek Rd, Phoenix, AZ 85032 +1 (602) 569 - 3333
Chase Bank 7206 E Wampum Way, Carefree, AZ 85377 +1 (480) 970 - 7252
Washington Federal Bank 301 W Main St, Safford, AZ 85546 +1 (928) 428 - 1450
Fast Auto Loans, Inc. 148 E Fry Blvd, Sierra Vista, AZ 85635 +1 (520) 439 - 4571
Washington Federal Bank 1301 E Deuce of Clubs, Show Low, AZ 85901 +1 (928) 537 - 7425
1 Stop Title Loans & Motor Vehicle Services 4385 W Bell Rd, Glendale, AZ 85308 +1 (602) 942 - 6600
Walmart Money Center 500 AZ-90, Sierra Vista, AZ 85635
Shell 21015 N Cave Creek Rd, Phoenix, AZ 85024 +1 (602) 765 - 2442
National Bank of Arizona 101 La Mina Ave, Ajo, AZ 85321 +1 (520) 387 - 2200

Payday Loan Companies in Nearby Cities

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

Beautiful sights of Waddell, AZ

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

85355

Are Payday Loans Legal In Waddell, 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

Waddell, AZ payday loan calculator

As of July 1, 2010, payday loans became illegal in the state of Arizona. This includes payday loans offered in Waddell, Arizona. However, borrowers in need of quick cash may still be able to find alternative lending options.

Why Did Payday Loans become Illegal in Arizona?

Before July 2010, payday loans were legal in Arizona. However, after a ballot initiative called Proposition 200 failed to pass in 2008, the state’s payday lending industry began to decline.

Then, in 2010, the Arizona legislature allowed the payday loan industry to expire. Without legislative action to renew the payday lending law, all payday loans in the state became illegal on July 1, 2010.

What Are Payday Loans?

A payday loan is a type of short-term loan that typically has a high-interest rate. These loans are designed to be repaid quickly, often within two weeks or by the borrower’s next payday. The borrower writes a postdated check to the lender for the loan amount plus fees and interest. If the borrower cannot repay the loan on time, the lender may cash the check.

Payday loans are controversial because of their high interest rates, which can result in borrowers paying far more than the original loan amount in fees and interest.

Alternative Lending Options in Waddell, Arizona

While payday loans are illegal in Arizona, borrowers in need of quick cash may still be able to find alternative lending options.

1. Installment Loans

Installment loans are similar to payday loans in that they are short-term loans. However, these loans are typically repaid over a period of several months with equal payments. Interest rates can be high, but they are lower than the interest rates charged for payday loans.

2. Title Loans

Title loans are secured loans that use the borrower’s vehicle as collateral. The amount of the loan is based on the value of the vehicle. Interest rates can be high, but they are typically lower than the interest rates charged for payday loans.

3. Personal Loans

Personal loans are unsecured loans that do not require collateral. These loans can be obtained from banks, credit unions, or online lenders. Interest rates can vary depending on the lender and the borrower’s credit history.

Facts About Payday Loans in Waddell, Arizona

  • The average payday loan in Arizona was $410 in 2005.
  • The average interest rate on a payday loan in Arizona in 2005 was 459 percent.
  • Payday lenders in Arizona made more than $37.8 million in fees in 2006.

Apply Now

If you are in need of quick cash, TheGuaranteedLoans can help connect you with potential lenders. Remember, TheGuaranteedLoans is a connector service and not a direct lender. Fill out an online application today to see if you qualify for an alternative lending option.

While payday loans are illegal in Waddell, Arizona, borrowers in need of quick cash may still be able to find alternative lending options. Installment loans, title loans, and personal loans are all options to consider. Always read the terms and conditions of any loan before signing on the dotted line. And remember, never borrow more than you can afford to repay.

F.A.Q.

Can I be charged with a crime for taking out a payday loan in Waddell, Arizona?

It is illegal for lenders to offer payday loans in Waddell, Arizona, so borrowers cannot be charged with a crime for taking out a payday loan. However, lenders may face criminal charges for engaging in illegal lending practices.

What should I do if I have already taken out a payday loan in Waddell, Arizona?

If you have already taken out a payday loan in Waddell, Arizona, you should contact the lender to try to negotiate a repayment plan. If the lender is unwilling to work with you, you may want to seek out alternative forms of financing or seek legal advice.