Installment Loans in Arizona
Arizona permits regulated consumer lender loans up to $10,000 under the current codified framework. Within PLS Cash Advance’s $200–$5,000 range, the law uses a 36% ceiling through $3,000, a 36%/24% tiered structure above $3,000, an origination-fee cap, and amount-based maximum terms.
Arizona legal category: Consumer Lender Loan · Arizona Revised Statutes Title 6, Chapter 5 — Consumer Lenders
Arizona installment loans at a glance
- Legal status
- Permitted Regulated
- Legal category
- Consumer Lender Loan
- Maximum amount in this regime
- $10,000
- Term
- Maximum scheduled term depends on principal: up to 24 months + 15 days at $1,000 or less; 36 months + 15 days above $1,000 through $2,500; 48 months + 15 days above $2,500 through $4,000; and 60 months + 15 days above $4,000 through $6,000.
- Regulator
- Arizona Department of Insurance and Financial Institutions (DIFI)
- Verified
- 2026-09-06
Choose a loan type by amount
PLS Cash Advance currently presents request amounts from $200 to $5,000. The ranges below are navigation guidance between our state loan guides — not statutory limits, eligibility rules, or a promise of approval.
Payday Loans in Arizona
Arizona’s special high-interest payday-loan authorization sunset in 2010. Visitors are routed to the current consumer-lender installment framework instead.
Installment Loans in Arizona
Preferred routing for the current PLS Cash Advance selector. Arizona consumer loans under the current codified chapter can extend to $10,000.
Amount and term limits
The current codified definition of an Arizona consumer loan covers a direct closed-end loan of money of $10,000 or less. PLS Cash Advance routes the $200–$5,000 portion of its selector to this guide.
Maximum scheduled term depends on principal: up to 24 months + 15 days at $1,000 or less; 36 months + 15 days above $1,000 through $2,500; 48 months + 15 days above $2,500 through $4,000; and 60 months + 15 days above $4,000 through $6,000.
Interest, fees and repayment
For an original principal amount of $3,000 or less, the maximum consumer loan rate is 36%. Above $3,000, the lender may use 36% on the first $3,000 and 24% on principal above $3,000, or the equivalent single blended rate permitted by statute.
A licensee may charge a loan origination fee up to 5% of a closed-end consumer loan, capped at $150, subject to statutory restrictions on repeat origination fees and other charge rules.
The note must provide for scheduled repayment of principal and finance charges in approximately equal periodic installments, subject to the amount-based term limits.
| Principal band | Maximum annual interest rate |
|---|---|
| $0–$3,000 | 36% |
| $3,000–$10,000 | 24% |
Rollovers, refinancing and early payment
- Rollover allowed?
- Not reduced to a yes/no rule
Arizona consumer loans use refinancing and renewal rules rather than a payday-style rollover framework; no single rollover flag is asserted for all consumer lender loans. - Prepayment penalty allowed?
- Not reduced to a yes/no rule
A.R.S. §6-637 requires the licensee to permit a consumer to prepay any scheduled installment or additional amount due in advance; the licensee may apply the payment first to accrued finance charges. This dataset does not encode a universal prepayment-penalty yes/no rule beyond charges permitted by the applicable consumer-loan provisions.
Arizona borrower protections
- Current Arizona consumer loans under this chapter are defined at $10,000 or less.
- Finance-charge ceilings are statutory and become tiered above $3,000.
- The origination fee is capped at 5% and no more than $150, subject to statutory restrictions.
- Maximum scheduled terms increase by principal band, and repayment is in approximately equal periodic installments.
- Consumers can prepay scheduled installments or additional amounts in advance.
- Arizona DIFI provides a public license-search resource.
Arizona loan cost calculator
How to verify a lender in Arizona
Regulator: Arizona Department of Insurance and Financial Institutions (DIFI).
Arizona Consumer Lender license unless an exemption applies
Official sources
- A.R.S. §6-601 — Consumer lender definitions · primary
- A.R.S. §6-632 — Finance charges · primary
- A.R.S. §6-635 — Other allowable fees · primary
- A.R.S. §6-637 — Term and payments · primary
- Arizona DIFI — License Search · primary
Last regulatory verification: 2026-09-06. Laws can change; verify current terms and lender status before borrowing. Read our research methodology.