Wondering... “Where can I find a personal loan if I have bad credit, near me in Arizona?"


Likely, right here! 210 locations to see. Desert Schools Federal Credit Union - Surprise, AZ, Bank of the West - Oro Valley, AZ, BBVA Compass Bank - Sierra Vista, AZ, Pinal County Federal Credit Union - Queen Creek, AZ, Arizona Bank & Trust - Gilbert, AZ, First Convenience Bank - Kingman, AZ, and many more are located near you. Locations, contact information, hours and more here in Arizona. Detailed bad credit personal loan information below.

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Personal Loans in AZ
$1,000 to $40,000 - Credit Score 650+
 
Payday Loans in AZ
Up to $1,000 – Credit Score NA

The following classes of lending organizations may be exempt from some, all, or none of the regulations and laws set by the state of Arizona. Federally chartered banks, state chartered banks, credit unions and some entities organized under the laws of a sovereign nation (for example) a Native American Tribe or the country of Antigua.
 

Arizona Personal Loan for Bad Credit Lending Regulator (AZ)

Regulating Authority
Arizona Department of Financial Institutions
2910 North 44th Street
Suite 310
Phoenix, AZ 85018
(602) 771-2800
https://dfi.az.gov/

Agency for Handling Complaints
Arizona Department of Financial Institutions
Consumer Affairs
2910 North 44th Street Suite 310
Phoenix , AZ 85018
(602) 771-2800 Option #3
https://dfi.az.gov/complaints

 

Personal Loan for Bad Credit Lenders (AZ) by City

Flag of the State of Arizona When you need fast cash in Arizona, whether you live in Phoenix or Kingman, and you have bad credit, where can you turn? Are there any sources for a personal loan for poor credit near you?

You were on your way to work, cruising down 101 in Scottsdale. Just after you passed the university, the idiot in front of you suddenly slammed on his brakes. Unfortunately, his brake lights didn’t come on, so by the time you figured out he’d stopped, it was too late. Your front end ended up in his trunk.

You have no proof that his taillights weren’t working, so the accident is deemed your fault. Sure, your insurance will cover the damage to his car, but you only had liability coverage. Your car is your problem, and it’s going to be $1500 to get it roadworthy again. With your questionable credit history, your bank is not going to give you a loan. You’ve been working on rebuilding your credit, but it’s still not great. Where can you get an unsecured loan to get you out of this jam?

Perhaps you have called Tucson home all your life. You like the house that you’ve been renting with your best friend, but the landlord has announced that she’s selling the place. You have 30 days to find a new home. Unfortunately, you have bad credit thanks to some youthful mistakes with a credit card. Many apartment complexes and property management companies won’t even consider you.

Your roommate comes home, excited. A coworker of theirs is moving out of town and will be renting out his house. The rent is about the same as what you are paying now, and it’s a mile closer to work! You two talk to the guy, and at first he’s hesitant to rent to you. With your poor credit, he’s not sure that he is willing to take the risk. Sure, your current landlord is giving you a glowing reference. You’ve never once been late with the rent. But he’s just not sure. He thinks it over and makes you a deal. If you can put down a deposit, and first and last month’s rent by next Friday, he’ll rent it to you and your friend. Your friend can come up with their half of the $3,600 to make this happen, no problem. You? No. You have $300 to spare right now. Sure, you’ll get your deposit back for this place, but that won’t be until after you move out. That doesn’t help you right now. Where can you get a unsecured loan, with bad credit, for $1,500 by next Friday?

When life throws more at you than your bank account can handle, let We Give Loans help you. With over 2 million satisfied customers, and unique access to 210 loan sources that specialize in really bad credit loans in our network, We Give Loans has the experience and resources to help almost anyone. Our unique no cost, no obligation, consumer-to-lender pairing process has been helping people since 2006.

With lenders offering personal loans for bad credit in amounts from $500 to $5,000, with flexible terms of 2 to 36 months, we can help you find solutions for a variety of needs. Even if you have bad credit, We Give Loans can typically find a loan source willing to work with you and get you the cash you need.

Simply fill out a short and secure form on our website. We will match your unique situation with easy approval loan sources in our network and give you options to choose from. Select a source, complete your loan with them and your loan could be approved online in just moments. With most lenders, you could have your cash within one to three business days. Apply now and see how quickly we can help you find financial peace of mind.

Arizona Debt Relief, Financial Counseling, and Consumer Credit Information


If you would like to look into the possible benefits of these services, National Debt Relief - Whom Offers a Free Savings Estimate is a leader in financial counseling services in Arizona.

Arizona Personal Loan for Bad Credit Laws and Regulations in (AZ)


(last updated 01/26/2020)
6-632. Finance charges
A. A licensee may contract for and receive finance charges on consumer loans that are not more than the following amounts:

1. On a consumer loan in an original principal amount of three thousand dollars or less, a consumer loan rate of thirty-six per cent.

2. On a consumer loan in an original principal amount of more than three thousand dollars, either:

(a) A consumer loan rate of thirty-six per cent on the initial three thousand dollars of the original principal amount, and a consumer loan rate of twenty-four per cent on that part of the principal amount greater than three thousand dollars.

(b) The single blended consumer loan rate that results from the total amount of finance charges that the licensee would receive through the scheduled maturity of the consumer loan at the consumer loan rates that otherwise would be applicable pursuant to subdivision (a) of this paragraph to the different portions of the unpaid principal balance, assuming that the consumer loan will be paid according to its agreed terms.

B. A licensee may contract for and receive periodic finance charges on consumer revolving loans and home equity revolving loans that are not more than the following amounts:

1. On consumer revolving loans with credit limits of three thousand dollars or less, a periodic rate corresponding to an annual percentage rate of thirty-six per cent on the outstanding balance each monthly billing cycle.

2. On consumer revolving loans with credit limits of more than three thousand dollars and home equity revolving loans, either:

(a) A periodic rate corresponding to an annual percentage rate of thirty-six per cent on that portion of the outstanding balance each monthly billing cycle that is not more than three thousand dollars and a periodic rate corresponding to an annual percentage rate of twenty-four per cent on that portion of the outstanding balance each monthly billing cycle that is more than three thousand dollars.

(b) A periodic rate corresponding to the single blended annual percentage rate that would result in a periodic finance charge during a monthly billing cycle that is not more than the finance charges that result from the application of the multiple periodic rates authorized by subdivision (a) of this paragraph.

C. A licensee may charge a fixed or variable rate of periodic finance charges on a consumer revolving loan or a home equity revolving loan, as provided by the agreement that establishes the consumer revolving loan or home equity revolving loan. The licensee shall not base a variable rate of periodic finance charges on an index that is under the control of the licensee. Unless the consumer can readily verify the index on which an adjustment in the rate of periodic finance charges is based, the licensee shall provide conspicuous notice of the rate adjustment at least one monthly billing cycle before the effective date of the rate adjustment. The licensee may include a rate adjustment notice on or with a periodic statement to the consumer. The corresponding annual percentage rate of periodic finance charges may not increase or decrease more than three percentage points in any period of twelve consecutive months, and the corresponding annual percentage rate of periodic finance charges may not increase or decrease more than seven percentage points above or below the initial annual percentage rate of periodic finance charges at the time the consumer revolving loan or home equity revolving loan is established. D. Except as permitted by subsection E of this section, prepaid finance charges commonly referred to as points are prohibited. E. In addition to the finance charges authorized in subsections A, B and C of this section, a licensee may contract for and receive, and collect finance charges on, nonrefundable prepaid finance charges or fees commonly referred to as points in an amount of not more than: 1. Four per cent of the original principal amount of a consumer loan of at least five thousand dollars secured by the consumer's principal residence. 2. Four per cent of the agreed on credit limit of a home equity revolving loan. F. If a consumer loan, consumer revolving loan or home equity revolving loan is in existence before the effective date of this amendment to this section and is modified or restructured after the effective date of this amendment to this section and the total new cash advances do not exceed one hundred dollars, a licensee may not contract for and receive periodic finance charges at an annual percentage rate that is higher than the annual percentage rate that existed before the effective date of this amendment to this section. This information is for informational purposes only. Although care has been taken to accurately describe the laws and regulations in Arizona, no guarantees are implied or expressed about its accuracy. This is not legal advice. If you need legal advice, please consult an attorney or the Arizona Department of Financial Institutions.