Personal loans in Gila Bend, AZ
Gila Bend, Arizona — home to about 1,854 people — is a small community, so the terms you are offered follow Arizona law rather than any local rule. The 2020 count to the 2023 estimate shows about 2.0% decline in Gila Bend. With 1,854 residents, Gila Bend outranks about 14% of the communities in Arizona. Begin with the payment, then weigh APR and total interest across the lenders that reach Gila Bend's 1,854 residents. For the 1,854 people in Gila Bend, Arizona runs its own consumer-lending licensing, and the sourced table below lists the figures that apply. The nearest larger metro is Goodyear, AZ about 28 miles away.
What the Census records for Gila Bend
Gila Bend is a small community; the notes below cover its population profile and the statewide rules that apply.
- Population: the Census counts 1,854 residents in Gila Bend (Vintage 2023 subcounty estimate), the 78th-largest figure among Arizona's 91 places.
- Population trend: A loss of roughly 2.0% between 2020 and 2023.
- Net change: roughly 38 fewer people than the 2020 Census counted.
- Size percentile: with 1,854 residents, Gila Bend is larger than about 14% of Arizona's Census places.
- Population density: 29 people per square mile on 64.4 square miles of land.
- Land area: Gila Bend covers 64.4 square miles, the 20th-largest area among Arizona's 91 places.
- Within Arizona: about 0.0% of the state's population lives in Gila Bend.
- National rank: Gila Bend sits 7,897th by population among the 19,457 places in this dataset.
- Growth rank: Gila Bend's 2020-to-2023 change ranks 85th of 91 places in Arizona.
- Against the state trend: Gila Bend's 2.0% change compares with a Arizona average of +3.8% across its 91 places.
- Density in Arizona: Gila Bend ranks 91st by people per square mile.
- Against the state median: Gila Bend runs about 29 residents per square mile, where the Arizona median is 566.
- Location: coordinates 32.9662, -112.7155 (US Census Bureau Gazetteer).
- Nearest larger cities: Goodyear (28 mi); Buckeye (32 mi); Avondale (33 mi); Maricopa (42 mi); Litchfield Park (42 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
- Smaller places close by: Kearny (105 mi); Miami (111 mi); Hayden (112 mi).
- Smaller neighbours: 0 places smaller than Gila Bend sit within 50 miles.
- Larger places within 100 miles: 33.
The Arizona lending rules that reach Gila Bend
Every row below records a Arizona rule, its publisher and its retrieval date — the same rules a Gila Bend lender must follow.
| Rule | Detail | Source |
|---|---|---|
| State lending regulator | Arizona 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 |
| Small-loan / installment lender licensing | Consumer lender license required from the deputy director (A.R.S. Title 6, Chapter 5); at least $25,000 in assets readily available per licensed office; license not transferable Source says: "shall not engage in the business of a consumer lender without first being licensed as a consumer lender". | Arizona State Legislature — A.R.S. § 6-603 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 |
Before you apply in Gila Bend
Before you hand your details to a lender in Gila Bend, where the population is near 1,854:
- Get all three reports, dispute anything wrong, and keep the corrected file for your applications.
- Model the payment on the calculator before a lender models it for you.
- Pre-qualify with three or more lenders, then compare the APR rather than the interest rate.
- Check the Arizona regulator's records to confirm the lender is licensed here.
- Make sure the new payment leaves room in a budget you already keep.
- Choose a term you can live with; stretching it lowers the payment but raises total interest.
- Do not borrow more than the expense calls for, even if a lender approves a larger amount.
In Gila Bend as elsewhere in Arizona, the written terms — not the advertisement — are what count for its 1,854 residents.
Gila Bend's place among Arizona's 91 places
Among Arizona's 91 places, Gila Bend sits at 78th for population, a share of roughly 0.0% of the state. On the 2020-to-2023 trend, Gila Bend stands 85th among Arizona's 91 places — roughly the 7th percentile. By density, at about 29 people per square mile, it ranks 91st in Arizona. Between 2020 and 2023 the count changed by roughly 38 residents.
What is available to Gila Bend borrowers
Gila Bend is sparsely settled, with about 29 people per square mile and 9 larger places within 50 miles. A Arizona licence lets a lender serve Gila Bend without a local office, so branch density does not change what its 1,854 residents are offered. The nearest larger city, Goodyear, AZ about 28 miles away.
Gila Bend: area, density and distance
Gila Bend covers about 64.4 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. Spread across it are roughly 29 residents per square mile. The state's population centre of gravity, Phoenix, is roughly 55 miles away. Within 50 miles of Gila Bend there are 9 larger Census places. Within the same 50 miles lie 0 smaller Census places.
Common questions
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Nearby places
- Goodyear, AZ — population 111,805
- Buckeye, AZ — population 108,909
- Avondale, AZ — population 93,545
- Litchfield Park, AZ — population 6,884
- Tolleson, AZ — population 7,173
- Maricopa, AZ — population 71,022
- El Mirage, AZ — population 35,850
- Youngtown, AZ — population 6,919