A 36% usury cap has made traditional cash advance loans unavailable since 2010.
What a Cash Advance Costs in Arizona
Arizona's payday lending law expired in 2010 and was not renewed, and a 36% annual usury cap has applied to short-term consumer loans ever since.
Loan Size, Term, and Renewal Rules
Any offer advertised to an Arizona resident at a rate above 36% APR is not a lawful cash advance product under current state law.
| Factor | Rule |
|---|---|
| Rate cap | 36% APR |
| Traditional cash advances | Effectively prohibited since 2010 |
Verify current rules with the Arizona Department of Insurance and Financial Institutions before applying with any lender — this summary is for general information only, not legal advice.
Comparing Your Options in Arizona
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