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LoanFAP is a direct lender serving Arizona residents, including Phoenix, Tucson, and Mesa. Apply online in minutes for a personal installment loan, get a decision the same business day, and repay on a fixed schedule you know before you sign.
Arizona installment loans at a glance: Personal installment loans are legal in Arizona and regulated by the Arizona Revised Statutes under AZ Rev Stat § 6-632 (2025). Rates are capped at 36% on loans ≤$3,000; 24% above. There is no prepayment penalty, so paying the loan off early reduces what you owe, and lenders must disclose the full APR and payment schedule before you sign. Arizona also allows title loans, but prohibits payday loans.
Rules current as of July 2026.
Arizona caps APR in tiers by loan amount — the full schedule is in the table below.
Governing law: AZ Rev Stat § 6-632 (2025)
Personal installment loans in Arizona have tiered APR caps based on loan amount: 36% on principals up to $3,000, and 24% on amounts above $3,000 (AZ Rev Stat § 6-632 (2025)). Loans require a license under Arizona Revised Statutes Title 6.
Unlike flat-rate states, Arizona law sets different maximum APRs depending on how much you borrow. Smaller loans may carry higher rates; larger loans are typically capped at a lower APR. The table below reflects the statutory maximums — lenders may charge less.
| Loan Amount Range | Max APR | Statutory Basis |
|---|---|---|
| Up to $3,000 | 36% max APR | AZ Rev Stat § 6-632 (2025) |
| Varies | 24% max APR | AZ Rev Stat § 6-632 (2025) |
APR tiers set by Arizona law. Your exact rate depends on loan amount and lender.
| Loan Amount | Term | APR (est.) | Total Interest | Total to Repay |
|---|---|---|---|---|
| $1,000 | 24 months | 36% | $417 | $1,417 |
| $5,000 | 24 months | 24% | $1,343 | $6,343 |
| $10,000 | 24 months | 24% | $2,686 | $12,686 |
Arizona Revised Statutes § 6-632 (2025) sets tiered APR caps: 36% on loans ≤$3,000; 24% above. The lender must provide a Truth-in-Lending disclosure showing the exact APR before signing. Prepayment penalties are prohibited per AZ Rev Stat § 6-637 (2025).
Arizona residents should be aware that personal installment loan rates are tiered: 36% for loans up to $3,000 and 24% for amounts above. Verify terms with the lender.
Prepayment penalties are prohibited for personal installment loans in Arizona (AZ Rev Stat § 6-637 (2025)). Consumers should ensure lenders are licensed under Arizona Revised Statutes Title 6.
Understanding your repayment flexibility is important when choosing a personal installment loan in Arizona.
Arizona residents should be aware that payday loans are effectively prohibited. Any loan offered by unlicensed lenders is void, and such lenders have no right to collect any fees.
Payday loans in Arizona are regulated by the Arizona Department of Financial Institutions under A.R.S. § 6-632.
Consumers are protected by the requirement that all lenders be licensed under Arizona law. Unlicensed loans are void, and consumers can file complaints with the Arizona Department of Financial Institutions. License verification is available on the department's website.
Arizona Department of Financial Institutions — consumer line (602) 771-2777 (file a complaint)
Check whether a lender is licensed in Arizona
Arizona law does permit other forms of consumer credit, including personal installment loans (governed by AZ Rev Stat § 6-632 (2025)) and title loans (governed by AZ Rev Stat § 44-291; AZ Rev Stat § 13-1813). Those are separate products with their own licensing and rate rules, and nothing on this page is an offer of a payday loan in Arizona.
Governing law: A.R.S. § 6-632
In addition to state law, six federal laws protect consumer loan borrowers in every state. These apply regardless of where you borrow or which type of loan you take.
| Federal Law | What It Means for You | Who It Covers |
|---|---|---|
| Truth in Lending Act / Regulation Z | Regulation Z protects consumers by requiring clear disclosure of key credit terms and costs. | Applies to consumer credit including mortgages, credit cards, and installment loans. |
| Military Lending Act | The MLA caps the annual percentage rate at 36% for loans to active duty service members and their dependents. | Covers active duty service members and their dependents. |
| Fair Debt Collection Practices Act / Regulation F | Regulation F governs the practices of debt collectors, prohibiting abusive, deceptive, and unfair practices. | Applies to third-party debt collectors collecting consumer debts. |
| Fair Credit Reporting Act / Regulation V | Regulation V ensures accuracy and privacy of consumer credit information held by credit reporting agencies. | Applies to consumer reporting agencies and users of consumer reports. |
| Equal Credit Opportunity Act / Regulation B | Regulation B prohibits credit discrimination on the basis of race, color, religion, national origin, sex, marital status, or age. | Applies to all creditors in any aspect of a credit transaction. |
| CFPB UDAAP authority | The CFPB can take action against unfair, deceptive, or abusive acts or practices in consumer financial products or services. | Applies to all consumer financial products and services. |
These federal protections apply in all 50 states regardless of state law. They set a baseline floor of consumer rights.
Yes. Personal installment loans are legal in Arizona and regulated under AZ Rev Stat § 6-632 (2025). Lenders must hold a state license to make these loans. A licensed lender has to follow the state's limits on rates, loan size and fees, and disclose your APR, finance charge and full payment schedule before you sign.
Arizona sets its installment loan rate ceiling by loan size rather than with one flat cap: 36% on loans ≤$3,000; 24% above under AZ Rev Stat § 6-632 (2025). Which tier applies depends on how much you borrow, and a lender may charge less than the maximum. The exact APR has to appear in your loan agreement before you sign.
Yes, and without a penalty. Arizona law does not allow a lender to charge a prepayment penalty on a personal installment loan under AZ Rev Stat § 6-632 (2025). Paying ahead of schedule cuts the interest you owe, because interest accrues on the balance you still carry.
Arizona caps loan fees separately from interest under AZ Rev Stat § 6-632 (2025). Origination fee: 4% of the original principal amount of a consumer loan of at least $5,000 secured by the consumer's principal residence. Anything a lender charges beyond these has to be itemised in your agreement, so compare the total finance charge and not just the advertised rate.
No. Payday loans are prohibited in Arizona, and no licensed lender may offer one to a resident of Arizona. See the "Payday Loans Are Not Legal in Arizona" section on this page for what the law says and where to report a lender. Governing law: A.R.S. § 6-632.
Yes. Arizona permits car title lending under AZ Rev Stat § 44-291; AZ Rev Stat § 13-1813 at rates of Tiered per month: 17% / 15% / 13% (~156%-204% APR). A title loan is secured against your vehicle, so falling behind can cost you the car. An unsecured personal installment loan puts no vehicle at risk, which is worth weighing before you pledge a title.
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