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Personal loans in Fredonia, AZ

Fredonia is home to roughly 1,302 people and stands 84th by size out of 91 Census places in Arizona. If you are weighing a personal loan in Fredonia, start from the payment you can carry; its 1,302 residents face the same statewide rules. Read the disclosure for an origination fee and any prepayment penalty before signing in Fredonia. Which products a lender may offer to Fredonia's 1,302 residents follows from the Arizona consumer-lending framework. Population in Fredonia dropped about 1.2% over the three years from 2020 to 2023. The nearest larger city is Kanab, UT about 4 miles away.

By the Personalloaner Editorial Team · Last updated 2026-09-16

Compare loan offers Run the numbers first

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Fredonia by the numbers

What follows is Fredonia's place in the Census record, alongside the Arizona rules that govern a personal loan made here.

Fredonia's place among Arizona's 91 places

Among Arizona's 91 places, Fredonia sits at 84th for population, a share of roughly 0.0% of the state. Its 2020-to-2023 change ranks 75th of 91 Arizona places, putting it near the 18th percentile for growth. Its roughly 147 residents per square mile place it 79th among Arizona's places. By land area, its 8.9 square miles rank 72nd of 91 places in Arizona.

Fredonia: area, density and distance

Fredonia covers about 8.9 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. The resulting density is about 147 people per square mile. The state's population centre of gravity, Phoenix, is roughly 235 miles away. Within 50 miles of Fredonia there are 5 larger Census places. By land area it ranks 72nd of 91 Arizona places.

The state rulebook for Fredonia

When Arizona does not publish a figure, the row links to the source instead of inventing a number; Fredonia is bound by the same rules.

RuleDetailSource
State lending regulatorArizona Department of Insurance and Financial Institutions (DIFI)
Source says: "The Arizona Department of Insurance and Financial Institutions (DIFI)".		Arizona Department of Insurance and Financial Institutions (DIFI)
as of 2026-09-16
Consumer lender loan rate caps (§ 6-632)Consumer loans: 36% per year on principal up to $3,000; for larger loans, 36% on the first $3,000 and 24% above $3,000
Source says: "a consumer loan rate of thirty-six per cent"; "a consumer loan rate of twenty-four per cent on that part of the principal amount greater than three thousand dollars".		Arizona State Legislature — A.R.S. § 6-632
as of 2026-09-16
Maximum legal interest rate (usury cap)10% per year default; any rate may be agreed in writing (other than medical debt)
Source says: "interest shall be at the rate of ten percent a year, unless a different rate is contracted for in writing".		Arizona State Legislature — A.R.S. § 44-1201
as of 2026-09-16

What shapes a Fredonia personal loan

A Fredonia personal loan is an installment loan: a lump sum, then fixed monthly payments over a set term, priced off your credit rather than its 1,302 residents. Two numbers drive a Fredonia loan: the APR, which includes fees, and the term, which decides how long you keep paying. A longer term lowers the monthly payment on a Fredonia loan but raises total interest, so the smallest payment is not the cheapest loan.

Before you apply in Fredonia

Before you apply in Fredonia, a community of about 1,302, work through these steps:

  1. Start with the credit file: order the reports, fix the errors, then apply.
  2. Price the payment first with our personal loan calculator before any lender quotes you.
  3. Collect three or more offers and compare them on APR, not on the advertised rate.
  4. Make sure the lender appears in the Arizona regulator's licence list.
  5. Check that the monthly payment fits your budget next to your existing obligations.
  6. Weigh a shorter term's higher payment against the interest it saves.
  7. Do not borrow more than the expense calls for, even if a lender approves a larger amount.

What differs between Fredonia and the rest of Arizona is not the process but the borrower's own file, among the 1,302 people here.

Compare personal loan offers Run the numbers first

How we get paid: if you apply through the link above, a lending partner may send us a referral fee. It never changes the rate you are offered or what we publish. We are not a lender and we do not process applications. The lowest rates are only available to the most qualified applicants. Full disclosure.

Common questions

What are my options in Fredonia if my credit is poor?
Borrowing is still possible, but expect a higher APR and a smaller approved amount. Lenders that accept lower scores hold statewide licences, so what is open to you in Fredonia is the same as anywhere in Arizona.
What loan size can I expect in Fredonia?
Most personal loans sit somewhere between $1,000 and $50,000, though the figure you are approved for turns on the lender, your income and your credit. Model the monthly payment first with our personal loan calculator.
Do I have to pledge anything to borrow in Fredonia?
For an unsecured personal loan, no — there is nothing to pledge. A secured loan, such as home equity or one secured by a vehicle, does require collateral, and default puts that asset at risk.
Does comparing loans in Fredonia cost me credit score points?
Not during pre-qualification, which normally uses a soft pull and leaves your score alone. Submitting a full application triggers a hard inquiry, which can trim a few points briefly.

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