Payday Loans in Phoenix, Arizona

Looking for extra cash for emergency expenses in Phoenix, AZ? Consider borrowing a quick Payday Loan available online and in-store both for good and bad credit. Pre-qualifying doesn’t affect your credit history and gives access to instant cash advance in Phoenix.

  • 1

    Decide on the necessary loan amount

    Think carefully how much money you need so that it helped you to solve your urgent financial problems and at the same time it was affordable for your budget.

  • 2

    Fill out a simple application form online

    State the amount you need as well as your e-mail address. It's necessary to find you a suitable lender. Be sure your data will be safe and secure.

  • 3

    Get an instant approval decision from a lender

    As soon as you've requested a loan, you'll be matched with the best lender providing such cash advance at the lowest rates and most affordable terms.

  • 4

    Receive the cash into your account within 24 hours

    In case you are approved, and you're most likely to be, the money will be deposited into your bank account within 1 - 2 business days, or even same day if you apply as soon as possible.

Apply now

Get Phoenix, AZ Payday Loan Completely Online

  • Compare rates and terms
  • Avoid visiting multiple banks and storefronts
  • Apply directly on a lender’s website
  • Get a guaranteed instant decision
  • All the money transactions are done online quick and easy
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In this new era, where many people find themselves without access to banking services, payday lenders have become an important resource. A no credit check payday loan in Arizona is a small, short-term loan that’s meant to cover expenses between paychecks, like rent or unexpected car repairs. The interest rates are typically high, but the loans are only meant to be applied as a last resort.

What are Phoenix, AZ Payday Loans?

A payday loan is designed to help borrowers cover short-term emergency needs by offering fast cash secured by their next paycheck. It’s usully used as the small-dollar cash advance to cover unexpected expenses.

The Phoenix, Arizona Payday Loan is usually due after 14 – 30 days since being deposited into the borrower’s account. After you get the next pay check, the cost of the loan including interest and fees is withdrawn from your checking account automatically.

Payday loans in Phoenix, AZ are often used by consumers to consolidate debt, to pay off bills, repair a car or redecorate a house, etc. Start with online application or look for loan store locations near you.

How do Payday Loans online work in Phoenix, AZ?

Phoenix, AZ payday loans are a quick, safe and convenient way to cover emergency expenses. Like all other short-term cash advances in Arizona Payday Loans are regulated by the state’s laws. It’s highly recommended to study them in detail before submitting a loan request.

As soon as you’ve decided to apply for the necessary amount there are simple steps to go:

  1. Fill out an application form online or in any store in Phoenix, AZ;
  2. Get matched with a suitable direct lender;
  3. Receive the money same day in a loan shop or within 1 – 2 days after being approved online.

LOANS FOR ANY NEEDS

APR from 4.99%

What are the benefits of Phoenix, AZ Payday Loans online?

Payday Loans are a perfect option for Phoenix residents in the following situations:

  • You’ve been rejected by banks and credit unions for your bad credit or bankruptcy or any other reason.
  • You like 70% of Americans lack money to pay for everyday bills, utilities, rent, or
  • You have numerous debts which must be repaid urgently or they may lead to enormous rates. Use a loan to consolidate these credits into one.
  • You feel ashamed or embarrassed to ask your relatives and friends for help.
  • You have a not very good credit history and don’t want to affect it by numerous loan requests. No credit check Payday Loans are perfect for you.

Choosing an online Payday Loan to overcome any of the mentioned above situations you get:

  • Instant financing
  • 24/7 online service
  • Cash advance for bad credit
  • No hard credit check loans
  • Convenient online application
  • Reputable direct lenders with no intermediaries
  • What are Phoenix, AZ Payday loans eligibility criteria?

To be approved for a short-term cash advance a borrower needs to:

  • Be over 18 years old;
  • Be a resident of Arizona;
  • Have an active banking account;
  • Provide a proof of income.

The eligibility criteria may vary according to the lender but all in all they are pretty much the same and don’t usually include any minimal credit score or income requirements.

How much do Payday Loans cost in Phoenix, Arizona?

The cost of Payday Loan as well as any other cash advance in Phoenix consists of the principal, the annual percentage rate, or APR and some additional financial charges. The APR varies from 300% to 1200% but on average it’s 400%. It depends on the loan amount, your credit score, the state’s limit, the lender, etc. Besides, you may be charged additional fees such as:

  • Verification or loan processing fee.
  • Acquisition charges.
  • NSF fee, etc.

Phoenix Payday Loans are called short-term as they must be repaid till your next paycheck, usually within a month. Lenders usually allow to prepay earlier without any additional fees. In case you can’t pay the money back on time, you may apply for a rollover, extension or repayment plan.

Find out these details with the lender before you submit the loan request.

Can Arizona borrowers get a Payday Loan with bad credit?

If you are looking for a Payday Loan online in Phoenix, Arizona and you have a bad credit score, you’d better start with online application. You’ll have more chance to find a lender providing such cash advance.

Most of them will approve you for the necessary funds no matter what your credit rating is. They may charge higher interest to make up for the risk. But on the whole bad credit cash advance doesn’t differ from traditional loans.

You apply online and the funds will be in your account within 1 – 2 days, or even same day regardless of the figures on your credit report.

NO credit check Payday Loans in Phoenix, AZ?

If you used to have some previous debts, or bankruptcies which affected your credit history and your score is not so good as you wish, you may apply for a Payday Loan with no credit check. In Phoenix there are lenders providing quick funds with no hard inquiry to the major credit bureaus. They determine your creditworthiness paying attention to your income rather than credit history. But you should be careful and make sure you can afford the loan before applying for it.

Warning about Phoenix, AZ Payday Loans

We can’t but agree that Payday Loans in Phoenix, Arizona are one of the easiest and fastest ways to receive urgent financing. But you may come across some pitfalls on the way too quick money:

  • Additional fees;
  • Scams;
  • Default penalties;
  • Collecting practices;
  • Third parties selling your information, etc.

Make sure you borrow from a legal Phoenix lender and read the agreement carefully to be on the safe side.

Phoenix, AZ alternatives to Payday Loans online

If for some reason you want to avoid a short-term Payday Loan, you can choose among the other cash advances available in Phoenix:

Start your Payday Loan application online or find cash advance locations in Phoenix, AZ on the map

  • Advance America

    • 8929 N Central Ave

      (602) 944-1200

    • 13651 N 32nd St

      (602) 482-9262

  • Alpha Pawn And Jewelry

    • 9017 N Cave Creek Rd

      (602) 666-7175

  • American First Financial LLC

    • 15650 N Black Canyon Hwy

      (480) 422-3414

  • Auto Title Loans USA LLC

    • 40 N Central Ave Ste 1400-h

      (602) 317-6950

  • Best Title Loans AZ

    • 1 E Washington St

      (602) 428-6973

  • Buckeye Checksmart

    • 1930 W Indian School Rd

      (602) 297-9777

    • 2528 W Glendale Ave

      (602) 995-1800

  • Car Cash USA

    • 2322 E Indian School Rd

      (602) 492-8076

  • Cash 1 Loans

    • 2415 E Thomas Rd Ste 2

      (602) 955-8800

    • 4246 W Northern Ave

      (623) 939-4300

    • 4735 E Southern Ave

      (602) 454-1300

    • 1728 W Bell Rd

      (602) 298-0394

  • Cash Time Loan Centers

    • 2140 W Camelback Rd

      (602) 841-1011

    • 3241 E Mcdowell Rd

      (602) 275-2600

    • 2030 W Baseline Rd

      (602) 268-2100

    • 8949 N 7th St

      (602) 870-3000

    • 7430 S 48th St

      (602) 438-0800

    • 3361 W Greenway Rd

      (602) 262-2400

    • 2612 N 16th St

      (602) 262-2612

    • 3925 N 67th Ave

      (623) 848-6900

  • Cashamerica Superpawn

    • 5120 W Indian School Rd

      (623) 385-7854

  • Check Advance

    • 4040 N 40th St

      (602) 956-3802

    • 3520 E Bell Rd

      (602) 404-2274

    • 5819 W Camelback Rd

      (623) 845-1911

    • 1551 E Indian School Rd

      (602) 351-2274

  • Check Cashing

    • 1841 W Northern Ave

      (602) 395-9400

  • Check Into Cash

    • 3131 E Thunderbird Rd Ste 13a

      (602) 485-4406

    • 610 E Baseline Rd Ste C-1

      (602) 268-0732

    • 6725 N 35th Ave

      (602) 995-5000

    • 4248 W Indian School Rd Ste 101

      (602) 278-9111

    • 1502 W Camelback Rd Ste 1

      (602) 274-1202

    • 1510 W Mcdowell Rd Ste 1

      (602) 253-6806

    • 7333 W Thomas Rd Ste 32

      (623) 866-1143

    • 4212 W Cactus Rd Ste 1115

      (602) 942-8827

    • 3416 W Bell Rd

      (602) 298-9267

    • 2824 E Indian School Rd Ste 6

      (602) 957-4876

  • Check Smart

    • 10443 N 32nd St

      (602) 482-3222

    • 5344 N 12th St

      (602) 266-4600

    • 1605 N 44th St

      (602) 275-2840

  • CheckSmart

    • 7710 W Lower Buckeye Rd

      (623) 936-9400

    • 8310 W Thomas Rd

      (623) 245-1200

    • 5817 W Indian School Rd

      (623) 247-9636

    • 540 E Thomas Rd

      (602) 266-5700

    • 3510 E Bell Rd

      (602) 896-9700

    • 3449 W Northern Ave

      (602) 841-3393

    • 3329 E Bell Rd

      (602) 404-1900

    • 4840 N 83rd Ave

      (623) 247-6200

    • 4846 N 16th St

      (602) 248-9553

    • 10410 N 35th Ave Ste 118

      (602) 439-3600

    • 7501 W Indian School Rd

      (623) 873-3900

    • 6815 N 19th Ave

      (602) 864-0900

    • 3219 E Thomas Rd

      (602) 224-9900

    • 3501 W Bell Rd

      (602) 896-9700

    • 8901 N 7th St

      (602) 674-0400

    • 4301 W Indian School Rd

      (602) 272-8688

  • Fast Auto Loans

    • 4217 W Camelback Rd

      (602) 973-7603

    • 4235 W Camelback Rd

      (602) 973-7603

  • Fast Auto Loans Inc.

    • 2326 E Indian School Rd

      (602) 952-2274

    • 5050 W McDowell Rd

      (602) 278-8761

    • 4345 E Thomas Rd

      (480) 210-4455

    • 3602 E Indian School Rd

      (602) 808-4425

    • 3431 W Bethany Home Rd

      (602) 973-0106

    • 2601 E Bell Rd

      (602) 666-7103

    • 1602 E Baseline Rd

      (480) 210-4515

    • 12038 N 35th Ave

      (602) 547-2274

  • Fast Payday Loans Inc.

    • 12208 N 32nd St

      (602) 923-2274

  • Loanmax Title Loans

    • 3428 W Northern Ave

      (602) 663-9513

    • 7539 W Indian School Rd

      (623) 252-1215

  • Maximum Title Loans - Auto Title Loans Phoenix

    • 2701 W Northern Ave Ste 102

      (602) 242-5626

  • Money Mart

    • 4248 W Indian School Rd

      (602) 233-2977

    • 4645 E Chandler Blvd Ste 110

      (480) 785-8040

  • Payday Advance

    • 21001 N Tatum Blvd Ste 48-1520

      (602) 272-5626

  • Payday Forest

    • 40 N Central Ave Ste 1342

      (480) 646-4659

  • Phoenix Allied Cash Advance

    • 6135 N 35th Ave Ste 187

      (602) 433-7980

  • Phoenix Payday Loans Allied Cash Advance

    • 4337 W Indian School Rd Ste 115

      (602) 278-0208

  • PLS Financial

    • 2702 W Camelback Rd

      (602) 841-3601

  • PLS Group

    • 5808 S Central Ave

      (602) 243-5900

  • PLS Loan Store

    • 2695 W Van Buren St

      (602) 288-1215

  • Presto Auto Title Loans

    • 12609 N Cave Creek Rd

      (602) 765-3000

  • Presto Loan Centers

    • 8385 N 7th St

      (602) 388-4688

  • Quik Cash

    • 9022 N 19th Ave

      (602) 943-5524

    • 7802 N 12th St

      (602) 997-4231

    • 2822 W Cactus Rd

      (602) 843-8444

  • Southern Cash

    • 725 E Covey Ln Ste 200

      (888) 604-0972

  • Southwest Title Loans

    • 3510 E Bell Rd, Ste 1 & 1A

      (623) 208-5284

  • Speedy Cash

    • 3501 W Glendale Ave

      (602) 726-2227

    • 1841 W Northern Ave

      (602) 726-3386

    • 1551 E Indian School Rd

      (602) 726-2382

    • 4040 N 40th St

      (602) 726-2415

    • 3520 E Bell Rd

      (602) 726-2257

    • 5819 W Camelback Rd

      (800) 939-4034

  • Super Pawn

    • 4234 W Northern Ave

      (623) 934-5411

    • 2930 N 24th St Ste 100

      (602) 954-7961

    • 4620 E Mcdowell Rd

      (602) 225-2947

    • 500 W Southern Ave

      (480) 889-3511

    • 1075 N 51st Ave Ste 106

      (602) 424-9100

  • Superpawn

    • 2701 W Glendale Ave

      (602) 242-0005

    • 4234 W Northern Ave

      (623) 934-5411

    • 3922 W Indian School Rd

      (602) 278-4078

  • USA Cash Services

    • 8831 N 19th Ave

      (602) 944-4500

Check Payday Loan rates and terms in the other cities of Arizona

Payday Loan Calculator

$500 Your loan + $79 Your fee = $579 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.

This calculation is just a representative example. Rates and fees can vary depending on the lender. Check all the finance charges in the loan agreement before signing it
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