AZ · LOAN-AGMT · Updated July 2026 · Free
Arizona Loan Agreement
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Arizona at a glance: Default Interest: 10% (if not written) · Maximum Written: No limit (must be written) · Governing Law: Ariz. Rev. Stat. Title 44
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Overview
Loan Agreements in Arizona
Arizona has no statutory limit on interest rates if the rate is written and agreed to in a signed contract (A.R.S. § 44-1201).
Key Facts
Arizona Loan Agreement — Quick Reference
| Requirement | Arizona Rule |
|---|---|
| Default Interest | 10% (if not written) |
| Maximum Written | No limit (must be written) |
| Governing Law | Ariz. Rev. Stat. Title 44 |
Legal Requirements
Arizona Legal Requirements
- Interest rates above 10% must be written in a signed agreement.
Governing Laws
Arizona Governing Laws
Read the full text of these laws at Cornell Law School's Arizona legal resources or your state legislature's official website.
Questions & Answers
Arizona Loan Agreement — Frequently Asked Questions
Can an Arizona loan interest rate be unconscionable?
Yes, courts can strike down rates that are deemed shock-the-conscience or unconscionable.