Payday Loans in Arizona
Arizona’s special high-interest payday-loan authorization expired on June 30, 2010. PLS Cash Advance therefore treats payday loans as unavailable in Arizona and routes visitors seeking $200–$5,000 to the state’s regulated consumer installment-loan framework.
Arizona legal category: Former Payday Loan / Deferred Presentment — authority sunset · Arizona payday-loan authorization sunset on June 30, 2010
Arizona payday loans at a glance
- Legal status
- Prohibited
- Legal category
- Former Payday Loan / Deferred Presentment — authority sunset
- Maximum amount in this regime
- Arizona does not provide a current lawful high-interest payday-loan amount range. The special law authorizing payday lending sunset on June 30, 2010.
- Term
- No payday term is encoded because the former Arizona payday authorization expired.
- 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
Arizona does not provide a current lawful high-interest payday-loan amount range. The special law authorizing payday lending sunset on June 30, 2010.
No payday term is encoded because the former Arizona payday authorization expired.
Interest, fees and repayment
The former payday exception that allowed triple-digit APR lending expired in 2010. Visitors should evaluate loans under Arizona’s current consumer-lender framework instead.
There is no current special Arizona payday fee schedule to present as lawful.
A payday repayment schedule is not presented as an authorized Arizona product.
Rollovers, refinancing and early payment
- Rollover allowed?
- Not reduced to a yes/no rule
No payday rollover rule is encoded because the former payday authorization expired. - Prepayment penalty allowed?
- Not reduced to a yes/no rule
No payday prepayment rule is encoded because the former payday authorization expired.
Arizona borrower protections
- Arizona’s special payday-loan law sunset on June 30, 2010.
- The Arizona Attorney General described high-interest payday loans as no longer legal after the sunset.
- Consumers should verify any current consumer lender through Arizona DIFI rather than relying on a payday label.
How to verify a lender in Arizona
Regulator: Arizona Department of Insurance and Financial Institutions (DIFI).
There is no modern Arizona payday license that revives the expired payday-loan authorization. Consumer lenders operate under separate Arizona law.
Official sources
- Arizona Attorney General — 2010 Annual Report: Payday Loan Sunset · primary
- Arizona DIFI — Consumer Resources and License Search · primary
Last regulatory verification: 2026-09-06. Laws can change; verify current terms and lender status before borrowing. Read our research methodology.