Get a Personal Loan in Mesa, AZ
Three minutes to request, no fee, and no obligation to accept any offer. Every offer follows Arizona’s 36% APR cap.
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Arizona loan rules at a glance
| Rule | Arizona limit |
|---|---|
| Legal status | Prohibited |
| Maximum loan amount | $3,000 at the 36% APR cap (licensed consumer loans up to $10,000) |
| Maximum term | Set by the lender (installment loan) |
| Finance charge cap | 36% APR on loans up to $3,000; 36% on first $3,000 + 24% above |
| Rollovers | Not applicable — payday loans are not authorized in Arizona |
| Cooling-off period | Not applicable — Arizona does not offer payday loans; the 36% APR cap is the core protection |
| Statute | Arizona Consumer Lender Act (payday lending expired 2010) — A.R.S. §§ 6-601 to 6-639 |
Source: Arizona Department of Insurance and Financial Institutions (DIFI) · Rules verified July 10, 2026
Before you apply
No. The matching service is free for borrowers. You only ever pay the lender, under the terms written in the loan agreement you accept — and in Arizona that cost is capped at a 36% APR.
Yes. Your request is encrypted in transit and shared only with the lenders reviewing your request. We never sell your data to unrelated third parties.
Usually within minutes. If a lender makes you an offer and you accept during business hours, funds are typically deposited as soon as the next business day.