Personal loans in Arizona
Consumer lending in Arizona is regulated by the Arizona Department of Insurance and Financial Institutions. Below are the sourced rules that affect what a lender can charge you, followed by the cities we cover.
Lending rules in Arizona
| Payday lending | Prohibited. Arizona's pre-existing payday lending statute was allowed to sunset; high-cost payday lending is not permitted.Source: National Conference of State Legislatures · as of 2023 |
|---|---|
| Small-loan / installment licensing | Consumer lenders must obtain a state license (Yes). Statutory basis: Ariz. Rev. Stat. Ann. §§ 6-601 et seq. Licensing administered through NMLS: Yes.Source: Conference of State Bank Supervisors · as of 2026 |
| Interest rate cap (usury limit) | Usury limit: 10% (Ariz. Rev. Stat. Ann. § 44-1201). Finance rates and fees for licensed lenders: 36% per year on a loan of $3,000 or less On a loan of more than $3,000, either: - 36% per year on the first $3,000 and 24% year on the remainder - The single blended rate that results from the total amount of finance charges that the licensee would receive through the former option. CSBS 50-state survey of consumer finance laws; state-verified usury catalog.Source: Conference of State Bank Supervisors · as of 2026 |
| Consumer lending regulator | Consumer lenders in Arizona are licensed and supervised by the Arizona Department of Insurance and Financial Institutions.Source: Conference of State Bank Supervisors · as of 2026 |
| Debt collection rules | Third-party debt collectors must comply with the federal Fair Debt Collection Practices Act (FDCPA), 15 U.S.C. § 1692 et seq.; state consumer-protection and debt-collection enforcement is handled by the Arizona Office of the Attorney General. The FDCPA expressly authorizes state attorneys general to enforce it (15 U.S.C. § 1692l). Some states also require collection agencies to be licensed.Source: Arizona Office of the Attorney General · as of 2026 |
| Military lending protections | The federal Military Lending Act (MLA) caps the Military Annual Percentage Rate (MAPR) at 36% for consumer credit extended to active-duty service members, their spouses and certain dependents, and bars mandatory arbitration and prepayment penalties on covered loans. Federal protection that applies nationwide, including in this state.Source: Consumer Financial Protection Bureau · as of 2024 |
| Complaint / licensing lookup | Check whether a lender holds a state license through NMLS Consumer Access (nmlsconsumeraccess.org) or the Arizona Department of Insurance and Financial Institutions; consumers can file complaints with the Arizona Department of Insurance and Financial Institutions or the CFPB at consumerfinance.gov/complaint.Source: Nationwide Multistate Licensing System (NMLS) Consumer Access · as of 2026 |
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Cities in Arizona
PhoenixTucsonMesaChandlerGilbertAvondaleGlendaleScottsdalePeoriaTempeSurpriseYumaPrescott ValleySan Tan ValleyGoodyearBuckeyeFlagstaffCasas AdobesQueen CreekMaricopaLake Havasu CityCasa GrandeMaranaCatalina FoothillsOro ValleyPrescottSierra VistaBullhead CityApache JunctionSun CityEl MirageSan LuisSahuaritaKingmanDrexel HeightsFortuna FoothillsSun City WestFlorenceFountain HillsAnthemRio RicoGreen ValleyNogalesNew RiverFlowing WellsDouglasPaysonFort MohaveEloyTanque VerdeSierra Vista SoutheastVailSomertonSun LakesCoolidgeValencia WestNew Kingman-ButlerChino ValleyParadise ValleyVerde VillageTucson EstatesCottonwoodCamp VerdeShow LowTucson MountainsSaddlebrookeGold CanyonSaffordSedonaCorona de TucsonPicture RocksWinslowArizona CityTuba CityGolden ValleyPageWickenburgGlobeTollesonYoungtownLitchfield ParkCatalinaVillage of Oak CreekSnowflakeAvra ValleyWilliamsonCitrus ParkGuadalupeRincon ValleyBensonKayentaThatcherDoney ParkSummitBisbeeCave CreekHolbrookThree PointsSouth TucsonPauldenEagarSan CarlosClarkdaleLake MontezumaDewey-HumboldtWhiteriverPinetop-LakesideTaylorCliftonLake of the WoodsChinleAvenue B and CFort DefianceCarefreeCornvilleSan ManuelSt. JohnsRed RockOracleParkerWillcoxWilliamsMohave ValleyAjoKachina VillageCordes LakesWhite Mountain LakePimaValle VistaColorado CityWelltonWhetstoneSuperiorSwift Trail JunctionTimberline-FernwoodCentral Heights-Midland CityDesert HillsLindenSacatonBlack Canyon CityStar ValleyRio VerdeBagdadHeber-OvergaardSellsWindow RockKearnySpringervilleBeaver DamJoseph CityHuachuca CityFort ValleyBlackwaterNorth ForkScenicKaibitoKaibab Estates WestQuartzsiteGila BendDolan SpringsCanyon DayPirtlevillePineCongressFirst MesaLukachukaiSpring ValleySecond MesaPeridotMountain View RanchesGrand Canyon VillagePinetop Country ClubCienega SpringsLeCheeMiamiMeadviewTsaileCentennial ParkTonto BasinCibecueSt. DavidRed LakeSix Shooter CanyonPeach SpringsMorenciDilkonParksTubacCasa BlancaMoenkopiBylasMescalMammothBouseLeuppFredoniaBellemontMayerCactus FlatsWagon WheelGolden ShoresSeven MileClaypoolAk-Chin VillageMcNaryMesa del CaballoShongopoviNaco
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