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Up to $5,000 with a simple online form
Payday loans are no longer available in Arizona. An installment loan is a fast, flexible alternative when an unexpected expense comes up.
Arizona law lets a licensed lender make a consumer loan of up to $10,000. Superb Cash Advance lends up to $5,000. You can apply online with no hard credit check to get started. Approval depends mainly on your income and your ability to repay. In many cases, proof of about $800 or more in monthly income is enough to begin.
Before you sign, you will receive a free, no-obligation loan estimate. It shows the APR, the fees, the total repayment amount, and the monthly payment. That way you can compare your options and decide with the numbers in front of you.
You can apply online or visit one of our locations. Applying online is the fastest option. If you are approved, funds may be available as soon as the same business day. The timing depends on when you are approved and on your bank.
Arizona ended payday loans in 2010 over concerns about their cost. Before then, a $500 payday loan could carry an APR near 460% on a two-week term.
The exemption that let payday lenders exceed the state's 36% yearly rate cap expired that year, so every lender now works within that limit. An installment loan is the legal, lower-risk way to borrow here.
Arizona caps a licensed consumer loan at $10,000, caps the rate, and allows one small loan fee. Here is how the limits work.
| Loan amount | Maximum interest rate | One-time fee |
|---|---|---|
| Up to $3,000 | 36% a year | 5% of the amount, up to $150 |
| $3,000 to $10,000 | 24% a year on the part above $3,000 | 5% of the amount, up to $150 |
For example, a $1,000 installment loan at 36% repaid over 12 months costs about $200 in interest, roughly $100 a month. You always see your exact APR, monthly payment, and total before you sign.
Source: Arizona ended payday lending when the law that allowed it expired on July 1, 2010. A consumer loan is limited to $10,000 in A.R.S. 6-601, and the rate is capped at 36% a year on the first $3,000 and 24% on the part above $3,000 in A.R.S. 6-632. The loan fee is capped at 5% of the loan, up to $150, in A.R.S. 6-635. Lenders are licensed by the Arizona Department of Insurance and Financial Institutions. Last reviewed August 2026.
Superb Cash Advance offers an installment loan of up to $5,000 in Arizona, repaid in fixed monthly payments. The amount, rate, and term follow Arizona law.
The fastest way to apply is online with your ID, proof of income, and bank details ready. See how it works on our installment loan page, or start your application now.
Are payday loans legal in Arizona?
No. Arizona ended payday loans in 2010, and every lender now works within the state's 36% a year rate cap.
Can I pay off my loan early?
Yes. You can repay an installment loan early with no prepayment penalty, which lowers the total interest you pay.
Is there a credit check?
Getting a quote uses only a soft credit inquiry, so it does not affect your credit score.
If your loan is approved, a hard inquiry may be completed before funding.
What are you waiting for?
Get a free quote in minutes, with no obligation. You only decide after you see the full cost.
✓ Free to apply✓ Quick online form✓ Secure and private✓ Clear repayment terms
2212 S Victory St #300, Houston, TX 77088 | (832) 345-9761
All lending products offered by Superb Cash Advance are contingent upon approval through our underwriting process. Applicable interest rates, loan terms, and fees are determined by the borrower's state of residence, creditworthiness, and other relevant factors. Product availability is not uniform across all states, and not every applicant will be approved or will qualify for the maximum loan amount. Full terms and conditions apply to each product. Cash advance products are meant to address immediate, short-term financial needs. They are not a replacement for responsible long-term financial management. If you are struggling with debt, we strongly suggest contacting a qualified credit counselor. When applying online, additional verification of your information may be needed prior to funding, which may extend the disbursement process by up to two business days. Where state law requires loan proceeds to be paid in cash and in person, an application may be started online and the approved funds are collected at the store.
Submitting a loan application through Superb Cash Advance does not affect your FICO® Score. As part of our review, we may consult a non-traditional consumer reporting agency. An application of this kind may appear on your record with that agency but will leave your FICO® Score unchanged.
USA PATRIOT ACT NOTICE: CUSTOMER IDENTIFICATION REQUIREMENTS: In accordance with Federal law, all financial institutions must obtain, verify, and keep a record of information that identifies everyone who opens an account. You will be asked to supply your name, street address, date of birth, and other identifying information when you open an account. A valid driver's license or comparable identification document may also be requested.
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* Where state law permits electronic disbursement, funds may be deposited as soon as the same business day for applications approved before 11:30 AM ET, and applications approved later in the day are generally funded on the next business day. In states whose law requires loan proceeds to be paid in cash and in person, approved funds are collected at the store instead of being deposited, and timing depends on approval time and store hours.
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