APR and finance charge
APR expresses the cost of credit as an annual percentage. The finance charge is the dollar cost of credit on your specific loan.
Rates & fees
Allied Cash Advance rates and fees in Arizona
See the statutory monthly finance-rate ceilings, understand the disclosures on a loan agreement, and estimate costs before you apply.
Rate ceilings
Maximum rates set by Arizona law
These are statutory maximum monthly finance rates for secondary motor vehicle finance transactions. Your actual rate is disclosed before you sign and may be lower.
| Original principal | Maximum monthly finance rate |
|---|---|
| $500 or less | 17% |
| $500.01–$2,500 | 15% |
| $2,500.01–$5,000 | 13% |
| Over $5,000 | 10% |
Read the whole cost
Four numbers to check before you sign
Total of payments
This is the total amount you are scheduled to repay if every payment is made as agreed. Compare it with the amount financed, not just the payment size.
Payment schedule
Check every due date and the amount due. A lower payment can still mean a higher total cost when the term is longer.
Possible fees
Any returned-payment, late or other permitted fees should be described in your Loan Agreement. Ask before signing if anything is unclear.
Important
Short-term credit is expensive
Consider lower-cost options first when they are available. If your loan is secured by a vehicle, default can put that vehicle at risk.
Your exact cost is disclosed before acceptance
Rates, fees and terms depend on the loan amount, underwriting and applicable law. Review the written disclosures and Loan Agreement for the exact numbers that apply to you.
Run the numbers first
Use the calculator to see how amount, rate and term change the estimated payment and total cost.
Official sources and consumer resources
- Arizona Revised Statutes § 44-291 — statutory framework for secondary motor vehicle finance rates.
- Arizona Department of Insurance and Financial Institutions — consumer finance information and license resources.
Always rely on your Loan Agreement for the actual APR, finance charge, payment schedule and total of payments offered to you.