Arizona pawn loan calculator
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EstimateArizona
$70
maximum charge for the first month
- Total charges
- $70
- To get your item back
- $570
- Monthly rate
- 14.0%
Maximum allowed by state law. A pawn shop can charge less; your pawn ticket shows the real amount.
Pawn shops by city in Arizona
Arizona pawn loan rules
| Maximum charge | 13% a month for the first two months, then 11% a month. |
| Loan term | 90 days minimum. |
| Holding periods | Items bought outright are held 20 days. |
| ID required | You must be 18 and show ID that verifies the required details. |
| Other fees | Setup fee up to $5; up to $5 per firearm; lost ticket up to $7.50; storage up to $5 a month for items over one cubic foot. |
What a pawn loan costs in Arizona
| Loan | First month (max) | To redeem after 1 month |
|---|---|---|
| $100 | $18 | $118 |
| $250 | $37.50 | $287.50 |
| $500 | $70 | $570 |
| $1,000 | $135 | $1,135 |
| $2,000 | $265 | $2,265 |
These are ceilings. The charge on your pawn ticket can be lower, and the ticket must show it with the annual percentage rate. To see two or more months, change the months in the calculator above.
Before you pawn in Arizona
- Bring a valid government-issued photo ID.
- Arizona ID rule: You must be 18 and show ID that verifies the required details.
- Ask for the total to redeem on the due date and the last day of the grace period.
- Compare at least two shops: see pawn shops in Tucson or Mesa.
- Read how pawn loans work and what happens if you don't pay.
Questions
How much does a $500 pawn loan cost in Arizona?
At the legal maximum, $70 for the first month, so $570 to get the item back after one month. A $1,000 loan costs up to $135 for the first month. Shops can charge less.
What ID do I need to pawn in Arizona?
You must be 18 and show ID that verifies the required details.
How many pawn shops are listed in Arizona?
114 pawn shops in 6 cities: Tucson, Mesa, Phoenix, Scottsdale, Chandler, Peoria.