Arizona Regulations
Comprehensive guide to seller financing laws, usury limits, and disclosure requirements in Arizona.
Maximum Interest Rate
None
Business exemptions may apply
Maximum Rate
No Limit
Penalty Type
No specific penalty
Notes
Arizona Constitution abolished usury limits (Prop 200, 1980).
Business Exemption
No usury limit. Rate determined by agreement of parties.
Required Disclosures
- Seller Property Disclosure Statement (SPDS)
- Lead-based paint disclosure (pre-1978)
- Affidavit of Disclosure for unincorporated areas
Licensing Required
No license for seller financing own property. License required if financing others' properties.
Balloon Payment Rules
Balloon payments allowed but must be clearly disclosed
- Arizona Consumer Fraud Act (A.R.S. § 44-1521)
- Arizona Residential Landlord Tenant Act may apply
- Deed of Trust state
- Non-judicial foreclosure (trustee sale)
- No statutory redemption period
Legal Disclaimer
This information about Arizona regulations is provided for educational purposes only and does not constitute legal or tax advice. Laws change frequently and vary by county and municipality. Always verify current regulations with a licensed Arizona attorney before entering into any seller financing arrangement.