Personalloaner

Arizona lending rules

Personalloaner covers 91 Census places in Arizona, which together hold an estimated 5,955,436 people. Licensed lenders set personal-loan terms here under Arizona law, and the sourced rules below reach every borrower in the state.

By the Personalloaner Editorial Team · Last updated 2026-09-16

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How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Key rules for borrowers in Arizona

RuleDetailSource
Maximum legal interest rate (usury cap) 10% per year default; any rate may be agreed in writing (other than medical debt)
Source says: "interest shall be at the rate of ten percent a year, unless a different rate is contracted for in writing".		 Arizona State Legislature — A.R.S. § 44-1201
as of 2026-09-16
Payday lending status Not permitted — payday lending authorization expired June 30, 2010; DIFI no longer licenses payday lenders; consumer loans over 36% APR illegal since July 1, 2010
Source says: "The law allowing payday loans in Arizona expired on June 30, 2010. DIFI no longer licenses payday lenders."		 Arizona Department of Insurance and Financial Institutions (DIFI)
as of 2026-09-16
Small-loan / installment lender licensing Consumer lender license required from the deputy director (A.R.S. Title 6, Chapter 5); at least $25,000 in assets readily available per licensed office; license not transferable
Source says: "shall not engage in the business of a consumer lender without first being licensed as a consumer lender".		 Arizona State Legislature — A.R.S. § 6-603
as of 2026-09-16
State lending regulator Arizona Department of Insurance and Financial Institutions (DIFI)
Source says: "The Arizona Department of Insurance and Financial Institutions (DIFI)".		 Arizona Department of Insurance and Financial Institutions (DIFI)
as of 2026-09-16
Consumer lender loan rate caps (§ 6-632) Consumer loans: 36% per year on principal up to $3,000; for larger loans, 36% on the first $3,000 and 24% above $3,000
Source says: "a consumer loan rate of thirty-six per cent"; "a consumer loan rate of twenty-four per cent on that part of the principal amount greater than three thousand dollars".		 Arizona State Legislature — A.R.S. § 6-632
as of 2026-09-16

Places we cover in Arizona

The Census Bureau counts 91 places in Arizona, and the largest are linked below.

Compare personal loan offers Run the numbers first

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Common questions

How high can interest rates legally go in Arizona?
The answer turns on the product and on which statute applies to it. This page's table sets out Arizona's usury cap and licensing rules, and each row carries its publisher and a link to the primary source.
What is Arizona's position on payday lending?
Each state handles payday lending on its own: some permit it, some cap it, some prohibit it. The sourced row on this page gives Arizona's current position.
How do I know a lender is licensed in Arizona?
Consumer lenders generally need a licence issued by the state regulator identified on this page. Verify that licence with the regulator before you commit to anything.

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