Payday Loans in Cochise, Arizona

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

Company nameAddressZip codePhone number
1 Stop Title Loans & Motor Vehicle Services 1501 N 16th St, Phoenix, AZ 85006 +1 (602) 253 - 6002
Churchill Commercial Capital 8700 East Va de Ventura suite 150 suite 150, Scottsdale, AZ 85258 +1 (602) 748 - 1500
Quik Cash 18745 S I 19 Frontage Rd, Green Valley, AZ 85614 +1 (520) 399 - 9100
TitleBucks Title Loans 4312 W Cactus Rd Suite 14, Glendale, AZ 85304 +1 (602) 298 - 9627
A1 Pawn 19395 N Maricopa Rd 1, Maricopa, AZ 85139 +1 (520) 568 - 5900
ACE Cash Express 989 S Main St Unit B, Cottonwood, AZ 86326 +1 (928) 639 - 1000
1 Checks Cashed 1 5270 N 59th Ave 5, Glendale, AZ 85301 +1 (623) 842 - 2610
Rural Community Assistance 3713 S 375th Ave, Tonopah, AZ 85354 +1 (623) 393 - 0687
1 Stop Title Loans & Motor Vehicle Services 940 N Alma School Rd, Chandler, AZ 85224 +1 (480) 726 - 1509
Checkmate 1461 N Dysart Rd # 104, Avondale, AZ 85323 +1 (623) 925 - 8240

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Cochise, AZ, you can try to find different companies in big cities near by. Check out the following pages here: Payday Loans in San Luis, AZ, Payday Loan Companies in Scottsdale, AZ, Payday Loan Companies in Sierra Vista, AZ, No Credit Check Loans in Sun City, AZ, Payday Loan Without a Credit Check in Surprise, AZ, Same Day Loans in Tempe, AZ, Payday Loan Companies in Tucson, AZ and Payday Loans in Yuma, 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 Cochise, AZ.

Beautiful sights of Cochise, AZ

Are Payday Loans Legal In Cochise, 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

Cochise, AZ payday loan calculator

Payday Loans in Cochise, Arizona: What You Need to Know

Payday loans are a type of short-term loan typically used to cover unexpected expenses or bridge the gap between paychecks. However, payday loans are prohibited in Arizona, including the city of Cochise.

What are Payday Loans?

Payday loans are typically small-dollar loans with high interest rates and fees. They are often marketed as a way to help individuals get through a financial emergency, such as a car repair or medical bill, until they receive their next paycheck.

However, the high interest rates and fees associated with payday loans can make them difficult to pay back, leading many borrowers to fall into a cycle of debt. In some cases, these loans can come with interest rates as high as 400% or more.

Why are Payday Loans Prohibited in Arizona?

Payday loans are prohibited in Arizona under the Deferred Presentment Services Act, which was first passed in 2000 and later extended in 2010. The law states that payday lending is not legal in Arizona, and payday lenders are prohibited from operating in the state.

The law was put in place to protect consumers from the high interest rates and fees associated with payday loans, which can often lead to financial ruin and a cycle of debt for borrowers.

What Alternatives are Available in Cochise?

For individuals in Cochise looking for alternatives to payday loans, there are several options available:

  • Credit unions or banks: These financial institutions may be able to offer personal loans with lower interest rates and fees than payday lenders.
  • Credit counseling: Credit counseling agencies can provide guidance on managing debt and financial planning.
  • Emergency assistance: Local charities and non-profits may offer emergency assistance programs for those in need.

It’s important to explore all options before turning to payday loans, especially since they are prohibited in Arizona and can lead to financial hardship.

Interesting Facts and Statistics

  • In 2017, payday lenders took in over $1.7 billion in fees from borrowers in the United States.
  • Payday loans are often used by borrowers who have low credit scores or limited access to traditional banking services.
  • The average payday loan borrower takes out 8 loans per year, with an average loan amount of $375.

Apply Now for Alternative Loan Options in Cochise

At TheGuaranteedLoans, we understand that unexpected expenses can arise and that getting quick access to funds can be important. That’s why we work to connect borrowers with potential lenders who may be able to offer alternative loan options, such as personal loans.

It’s important to note that TheGuaranteedLoans is not a direct lender and does not make credit decisions. We simply facilitate connections between borrowers and potential lenders.

If you are in need of funds in Cochise and are looking for alternative loan options, visit us at TheGuaranteedLoans.com and fill out our online application. Our process is quick, easy, and secure.

In Conclusion

While payday loans are prohibited in Arizona, there are still alternative loan options available for those in need. It’s important to explore all options and understand the potential risks associated with payday loans before making a decision.

At TheGuaranteedLoans, we are committed to providing valuable, accurate information to our readers and connecting borrowers with potential lenders who may be able to help them in their time of need.

F.A.Q.

Can I still be charged fees on a payday loan in Cochise, Arizona?

No, you cannot be charged fees on a payday loan in Cochise, Arizona because these loans are illegal in the state.

Can I be evicted from my home for taking out a payday loan in Cochise, Arizona?

No, you cannot be evicted from your home for taking out a payday loan in Cochise, Arizona because these loans are illegal in the state.