1
Apply
Online in a few minutes, or walk into any Arizona store with your documents.
Installment loans
Installment loans in Arizona from $200 to $5,000
Borrow a set amount and repay it over time in scheduled payments. Review the cost, due dates and total repayment before you accept an offer.
How it works
From application to payoff in five steps
2
Get a decision
Underwriting determines whether you qualify and, if so, the rate and amount we can offer.
3
Review your offer
Amount, rate, every due date and the total you will repay — in writing, before you sign.
4
Get your money
Often same day in store. To a debit card it can arrive in as little as 30 minutes.
5
Repay on schedule
Payments follow your pay cycle. Set up Auto Pay and each one is withdrawn on its due date.
Not sure yet?
Run the numbers before you apply. No application, no obligation.
Open the calculator
Eligibility
What you need to apply
Four documents get you to a decision. Credit is one factor in underwriting, not the only one.
Bring with you
- A valid U.S. government-issued photo ID or driver's licence. The Matricula Consular card is also accepted.
- Proof of your most recent income
- Routing and account number for an open checking account, held at least 30 days
- Proof of vehicle ownership and current Arizona registration
- A valid, working phone number
What we can and cannot promise
- We cannot say in advance whether bad credit or no credit will prevent approval
- Nobody can guarantee approval before reviewing an application — be cautious of any lender who says otherwise
- Applying costs nothing and you are never obliged to accept an offer
- Typically one loan at a time, though some exceptions apply
Repayment
How repayment works
Your schedule is built around your pay cycle, so money leaves your account when money arrives in it.
Payment schedules
- Biweekly — every two weeks
- Semi-monthly — twice a month
- Monthly — once a month
- Auto Pay withdraws each payment on its due date from the account you choose
- Paying early reduces the interest you pay overall
If a payment is missed
- A returned item fee or late fee may be charged, where state law allows
- Interest keeps accruing until the past-due amount is satisfied
- On a vehicle-secured loan, continued non-payment can lead to repossession
- Call before the due date if you know a payment will be short — it is far easier to sort out in advance
Cost
Rates and terms
Arizona sets maximum monthly finance rates based on the original principal. Your exact APR, finance charge and payment schedule are disclosed before you sign.
| Original loan amount | Maximum monthly rate |
|---|---|
| $500 or less | 17% |
| $500.01–$2,500 | 15% |
| $2,500.01–$5,000 | 13% |
Borrow only what fits your budget
Longer repayment can lower a scheduled payment but increase the total amount paid. Compare alternatives before borrowing and review the full Loan Agreement.
Ready to see your options?
Apply online, or review the calculator first if you want to estimate the payment before starting.