Payday Loans in Congress, Arizona

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

Company nameAddressZip codePhone number
AmeriFirst Financial, Inc. 1910 E Juan Sanchez Blvd 7, San Luis, AZ 85349 +1 (928) 783 - 5035
Alaska USA Federal Credit Union 3232 S Mill Ave Ste 102, Tempe, AZ 85282 +1 (800) 525 - 9094
Loanmax Title Loans 2401 S 6th Ave, Tucson, AZ 85713 +1 (520) 858 - 0606
Country Bank 597 AZ-89A, Cottonwood, AZ 86326 +1 (928) 639 - 0020
Fast And Easy Payday Loans 509 W 17th St, Tempe, AZ 85281 +1 (800) 457 - 9519
Allied Cash Advance 1260 Gail Gardner Way #131, Prescott, AZ 86305 +1 (928) 541 - 1708
Prime Plus Mortgages - Phoenix Hard Money Loans 7137 E Rancho Vista Dr b05, Scottsdale, AZ 85251 +1 (623) 263 - 2055
Edge Capital Advisors Group 1744 E Caborca Dr, Casa Grande, AZ 85122 +1 (520) 286 - 8851
Western Union 67230 US-60, Salome, AZ 85348 +1 (928) 859 - 3445
First American Bank 1135 W Frontage Rd 3, Rio Rico, AZ 85648 +1 (520) 281 - 7764

Payday Loan Companies in Nearby Cities

If there are no payday loan companies in Congress, AZ, you can try to find different companies in big cities near by. Check out the following pages here: Bad Credit Loans in Phoenix, AZ, Payday Loan for Prescott, AZ, Short-term Loans in Prescott Valley, AZ, Payday Loans in Queen Creek, AZ, No Credit Check Loans in San Luis, AZ, Payday Loans in Scottsdale, AZ, Quick Loan in Sierra Vista, AZ and Payday Loans in Sun 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 Congress, AZ.

Beautiful sights of Congress, AZ

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

85332

Are Payday Loans Legal In Congress, 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

Congress, AZ payday loan calculator

Understanding Payday Loans: A Comprehensive Guide for Residents of Congress, Arizona

If you’re a resident of Congress, AZ, you may have heard about payday loans. These loans offer quick cash, often with high interest rates and short repayment terms. But did you know that payday loans are prohibited in Arizona? In this guide, we’ll explain the payday loan laws in Congress and explore alternative options for those who need short-term funding.

What are payday loans?

Payday loans are a type of short-term loan that typically have high interest rates and short repayment terms. These loans are usually meant to cover emergency expenses, such as car repairs or medical bills. In exchange, the borrower must usually provide the lender with a post-dated check or authorize an electronic debit for the full amount of the loan plus interest and fees.

The laws on payday loans in Arizona

It’s important to note that payday loans are prohibited in Arizona under Arizona Revised Statutes § 6-632 et seq. This means that it is illegal for lenders to offer payday loans to residents of Arizona.

In 2008, the Arizona legislature voted to eliminate payday lending in the state. This decision was based on concerns about the high cost of these loans and the fact that many borrowers were getting trapped in a cycle of debt. Since then, payday lending has been illegal in Arizona, and lenders who violate this law can face significant civil and criminal penalties.

Alternative short-term funding options in Congress, Arizona

While payday loans are not an option for residents of Congress, there are other short-term funding options available. These include:

  • Personal loans: If you have good credit, you may be able to qualify for a personal loan with a low interest rate and a longer repayment term than a payday loan. Check with your bank or credit union to see what options are available.
  • Credit cards: If you have a credit card, you may be able to use it to cover emergency expenses. Keep in mind that credit cards usually have high interest rates, so you’ll want to pay off the balance as soon as possible.
  • Community assistance programs: Some organizations in Congress, AZ, may offer assistance with emergency expenses. Check with your local community center or nonprofit organization to see what programs are available.

Interesting Facts and Statistics about Payday Loans in Congress, Arizona

  • According to a report by the Center for Responsible Lending, the average payday loan borrower spends $520 in fees to borrow $375. This means that borrowers are paying an average APR of 391% on their loans.
  • The same report found that payday lenders in the US make $8.7 billion in fees annually.

Apply Now

If you’re in need of short-term funding in Congress, Arizona, TheGuaranteedLoans can help. Our platform connects borrowers with lenders who offer personal loans, installment loans, title loans, and other types of funding. Fill out our online application to get started today. Please note that we are not a direct lender and do not make credit decisions. We are a connector service that facilitates connections between borrowers and potential lenders.

In conclusion, while payday loans are prohibited in Congress, Arizona, residents can still access short-term funding through alternative options. Be aware of the risks and costs associated with these options and consider seeking community assistance if you need help covering emergency expenses. TheGuaranteedLoans can also help connect you with lenders who offer alternative short-term funding options.

F.A.Q.

Are there any alternatives to payday loans in Congress, Arizona?

Yes, there are several alternatives to payday loans in Congress, 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 Congress, 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.