Our 5 Star Payday Loans store at 3119 N Central Ave 30 in Phoenix, Arizona is open for business, but state law restricts payday lending here. This location does not offer payday loan products. See below for short-term lending alternatives in Arizona.
Payday Loans Are Not Available in Arizona
Payday loans are not currently available in Arizona under A.R.S. § 6-632. This 5 Star Payday Loans location in Phoenix does not offer payday loan products. If you live or work in Phoenix and need short-term funds, there are still lawful options. See below for what is available to Arizona residents.
Governing law: A.R.S. § 6-632
What Phoenix Residents Can Apply For Instead
Personal installment loans in Arizona are regulated by the Arizona Revised Statutes under Title 6 – Banks and Financial Institutions.
Up to 36% APR
Max APR
See state law
Max Loan Amount
See state law
Max Term
Required
Lender License
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.
Governing law: AZ Rev Stat § 6-632 (2025) (Arizona Revised Statutes Title 6 – Banks and Financial Institutions)
Apply Online from Phoenix
Start your installment loan application online. Decisions are usually returned within one business day, and you can visit our Phoenix store to finalize if approved.
Apply Online Now →Your Rights as a Arizona Borrower
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.
- Prepayment penalties are prohibited
Other Short-Term Options to Consider
If a personal installment loan is not the right fit, Arizona residents may also consider:
- Credit union payday alternative loans (PALs), federally capped at 28% APR
- Earned wage access apps or employer paycheck advance programs
- Nonprofit emergency assistance through local community organizations and churches
- State-specific small-dollar loan programs (check your state banking regulator)
More Resources
Explore 5 Star Payday Loans in Phoenix and across Arizona: All Locations • Arizona Payday Loan Guide • Payday Loans • Cash Advance Loans • Bad Credit Loans • Same Day Loans.
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.
