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Payday Loans in Phoenix, Arizona

Payday Loans in Phoenix, Arizona


Apply online for quick Payday Loans from top direct lenders in Phoenix and get fast cash when you need it most.

If you're in need of short-term payday advances in AZ but don't have a bank or checking account, don't worry. You can still qualify for a loan by applying online with our trusted lending partners. And the best part? You won't have to undergo a credit check, so your credit history won't stand in the way of getting the money you need.

For guaranteed short-term financing request a Payday Loan Online in Arizona from a legit direct lender. It will take you just a few minutes to complete the application and have it processed. Once approved, you'll get the funds the same day.


Apply for online payday loans and get instant decision from the best Phoenix lending organization


Rates last updated March 24th, 2023


Smaller tax return than you expected? Apply online for quick cash. Apply

Are Payday Loans Legal in Phoenix, AZ?

Loan Rates and Fees, Laws and Regulations in Arizona.

Ariz. Rev. Stat. Ann. §§ 6-601 et seq.1 imposes certain rules and regulations on Online Payday Loans on the territory of the state. The activity of all the lenders operating in the state is restricted by limiting the APR to 36% and 5% fees.2

Law status available
MIN Loan Amount $100
MAX Loan Amount $1,000
MIN. Loan Term 14 days
MAX. Loan Term 31 days
Additional fees 5% fee
NSF fee None
Collateral or guarantor None, unsecured
Cooling off period None
Credit score requirements Available for Bad Credit
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How to Get a Payday Loan in Phoenix, AZ?

Payday loans are a type of short-term loan that can provide quick cash to individuals in need of financial assistance. In Phoenix, Arizona, payday loans are legal and can be obtained by meeting certain requirements.

To get a payday loan in Phoenix, AZ, individuals must be at least 18 years old and have a valid government-issued ID, such as a driver's license or passport. They must also have a verifiable source of income and a checking account.

To apply for a payday loan, individuals can either visit a local lender in person or apply online. When applying, they will need to provide personal and financial information, such as their name, address, employment details, and banking information.


How to Apply for Online Loans in AZ?

If you're looking to apply for an online loan in AZ, the process is typically straightforward and can be completed from the comfort of your own home. Here are the steps to follow:

  1. Research and Compare Lenders: Start by researching online lenders in Arizona and comparing their fees, interest rates, and customer reviews. Look for lenders that are licensed and regulated by the state to ensure your safety and protection as a borrower.
  2. Fill Out an Application: Once you've found a lender you're interested in, visit their website and fill out their online application. You will need to provide personal and financial information, such as your name, address, employment details, and banking information.
  3. Provide Documentation: Some lenders may require additional documentation to verify your income or identity. This may include pay stubs, bank statements, or a copy of your ID.
  4. Review and Accept the Terms: After submitting your application and providing any necessary documentation, you will receive a loan offer from the lender. Review the terms carefully, including the fees, interest rates, and repayment schedule. If you agree to the terms, accept the loan offer.
  5. Receive Funds: Once you've accepted the loan offer, the lender will typically deposit the funds directly into your bank account within one to two business days.

Before applying for an online loan in AZ, make sure you understand the terms and can afford the payments. Additionally, consider alternative borrowing options such as personal loans or credit cards, and explore ways to improve your financial situation to avoid relying on high-cost borrowing in the future.


What are the Pros of Payday Loans in Phoenix, Arizona?

One of the main benefits of payday loans in Phoenix, Arizona is that they can provide quick cash to individuals in need of financial assistance. Payday loans can be a useful option for those who need money to cover unexpected expenses or emergencies.

Another advantage of payday loans is that they are available to individuals with bad credit. Unlike traditional lenders, payday lenders typically do not require a credit check, making them accessible to those with poor credit scores.


What Can Be Considered Proof of Income in Phoenix, Arizona?

When applying for a payday loan in Phoenix, Arizona, individuals will need to provide proof of income to demonstrate their ability to repay the loan. Accepted forms of proof of income may vary by lender, but common examples include pay stubs, bank statements, and tax returns.


How to Find the Best Payday Lenders in Phoenix, Arizona?

To find the best payday lenders in Phoenix, Arizona, individuals should research and compare lenders based on factors such as fees, interest rates, and customer reviews. They should also ensure that the lender is licensed and regulated by the state of Arizona to ensure their safety and protection as a borrower.


Can I Get Bad Credit Payday Loans in Phoenix, Arizona?

Yes, individuals with bad credit can still obtain payday loans in Phoenix, Arizona. Payday lenders typically do not require a credit check, making payday loans accessible to those with poor credit scores.



In Phoenix, Arizona, payday loans are legal and can provide quick cash to individuals in need of financial assistance. To apply for a payday loan, individuals must meet certain requirements, such as having a valid ID, a verifiable source of income, and a checking account. Payday loans are available to individuals with bad credit and can be obtained through traditional lenders or online. It is important to research and compare lenders before applying to find the best option for your financial needs.

PayDay Loan Calculator

Select the amount for the loan you want in order to get the principal, which is the basis that we use to calculate the interest and the total cost of the cash advance.
The number of days within that you will be ready to repay the loan. It’s used to count the total cost of cash advance by multiplying the days by the amount of interest.
To calculate the total cost of your loan, we take the minimal average APR legal in all States, which is 36%. This figure is only a representative, providing you with general information on how much the loan may cost. To find out a more accurate total, fill in the Annual Percentage Rate required by the lender you want to apply to.
It’s the money charged by the lender for doing all the necessary paper work, bank transactions, etc., connected with lending you the money.
$ Your loan
+ $ Your fee
= $ Total Cost*

* Total Cost - The sum of money you are to pay off within the term you’ve chosen if you borrow the stated above amount for the average (or required by your lender) APR.

All the calculations are provided as guides only. They don’t guarantee 100% the same cost you are going to be charged but they do help you understand the overpay much better. Unless you change the APR, the calculations will be based on the average or lowest rate represented by most lenders for each loan type. You’ll find the accurate interest rate as well as the real cost of your cash advance after you get approved before you sign the agreement. It will depend on many factors including the amount, the term of the loan, your credit score and the lender’s conditions. Interest rates are not fixed figures and are subject to change at any time. As soon as you fill out an application and get approved all the details concerning the rates and terms will be sent to you.

Payday Loans Available in Phoenix, AZ by the following ZIP codes:

85001 85002 85003 85004 85005 85006 85007 85008 85009 85010 85011 85012 85013 85014 85015 85016 85017 85018 85019 85020 85021 85022 85023 85024 85025 85026
85027 85028 85029 85030 85031 85032 85033 85034 85035 85036 85037 85038 85040 85041 85042 85043 85044 85045 85046 85048 85050 85051 85053 85054 85055 85060 85061 85062 85063 85064 85065 85066 85067 85068 85069 85070 85071 85072 85073 85074 85075 85076 85077 85078 85079 85080 85082 85083 85085 85086 85087 85096 85097 85098 85099 85226 85251 85253 85254 85255 85281 85304 85306 85307 85308 85310 85313 85331 85339 85353 85383

In 2023 there are 1,615,017 people living in Phoenix, AZ. According to the statistics, 96901 of them look for "Payday Loans Near Me in Phoenix, AZ" or apply for Phoenix Payday Loans online in need of emergency short-term financing. No wonder, these people request instant cash as their median household income is 47326. That's why COMPACOM was designed - to help customers complete a quick and easy application form 100% online and get guaranteed approval from the best Phoenix, Arizona direct lenders.

Payday Loans Store Locations in Phoenix, AZ

Cash Advance and other Money Offers in Phoenix, AZ:

Up to $5,000 instant cash with guaranteed approval from direct lender with a few months of scheduled installments.
$5,000 - $35,000 quick loans for any personal needs. Available for any credit score and don't require any collateral.
Fast Title Loans secured by your vehicle title as collateral. No inspection. No credit checks. Instant cash for bad credit same day.



How to qualify for online Payday Loans in Phoenix, AZ?


How Phoenix Payday Loans online work?


Can I get a Payday Loan with bad credit in Phoenix, AZ?


Do Phoenix lenders offer no credit check Payday Loans?


How fast can I get a Payday Loan in Phoenix, AZ?


Do lenders in Phoenix, AZ require a certificate from the employer?


How long does an online payday loan take?


Do you have to specify the purpose of a payday loan?


Can I take a payday loan at Compacom if I have a liability with another loan company?


How to sign a payday loan agreement?


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