Arizona’s Free Surprise Medical Billing Dispute Program
A free, DIFI-run dispute process that can eliminate a medical bill before it ever becomes debt.
Loan Guides
Arizona Loan Laws
Guides in this category for Mesa, AZ borrowers.
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Tribal Lending in Arizona: What the Loophole Means for You
Why some online lenders can legally sidestep every rate cap in this guide.
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How to File a Complaint Against an Arizona Lender
A step-by-step guide to reporting a lender that broke Arizona’s consumer lending rules.
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How to Verify a Licensed Lender in Arizona
A quick verification routine that protects you from unlicensed and predatory lenders.
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Your Rights as an Arizona Loan Borrower
The protections that come standard with every regulated Arizona loan.
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Arizona’s Medical Debt Protections: The 3% Cap and Prop 209
A 2022 ballot measure that dramatically changed the cost of unpaid medical bills.
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Are Car Title Loans Legal in Arizona? What They Really Cost
The high-cost product that filled the gap payday lending left behind.
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Arizona’s General Usury Law: The 10% Default Rate
The fallback interest rate that applies when nothing else was put in writing.
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Arizona’s 36%/24% Rate Cap: How It Works
The tiered rate ceiling that governs almost every licensed consumer loan in Arizona.
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Are Payday Loans Legal in Arizona? What Replaced Them
How a 2008 ballot measure’s defeat quietly ended payday lending in Arizona.