Personal loans in Litchfield Park, AZ

From the 2020 Census base to the 2023 estimate, the population rose by about 0.5%. With 6,884 residents, Litchfield Park outranks about 43% of the communities in Arizona.

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

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Litchfield Park is a small town in Arizona, with an estimated 6,884 residents, and every licensed lender here follows the same state rulebook. Verify the lender's Arizona licence against the regulator named below before borrowing in Litchfield Park. A lender that serves Litchfield Park operates under Arizona lending statutes and a Arizona supervisor. The closest larger city is El Mirage, AZ about 6 miles away.

Litchfield Park: population, trend and location

Two layers matter for a Litchfield Park borrower: the local population picture and Arizona's consumer-lending statutes.

Population: 6,884 people, a figure that places Litchfield Park 52nd among the 91 Census places in Arizona (US Census Bureau, Vintage 2023).
Population trend: Higher by roughly 0.5% since the 2020 count.
People gained or lost: about 35 more since the 2020 base.
Size percentile: about 43% of Arizona communities are smaller than Litchfield Park (6,884 residents).
Population density: about 2,099 people per square mile across 3.3 square miles of land (Census Gazetteer area, Vintage 2023 population).
By land area: Litchfield Park ranks 80th among Arizona's 91 places, at 3.3 sq mi.
Water: Litchfield Park holds about 0.03 square miles, the 43rd-largest water area in Arizona.
State population share: Litchfield Park accounts for about 0.1% of everyone in Arizona.
National rank: Litchfield Park is 4,029th of 19,457 places nationwide.
Growth rank: Litchfield Park's 2020-to-2023 change ranks 57th of 91 places in Arizona.
Against the state trend: Litchfield Park's 0.5% change compares with a Arizona average of +3.8% across its 91 places.
Density rank: Litchfield Park places 12th among Arizona's places by people per square mile.
Density vs Arizona: Litchfield Park's 2,099 people per square mile compare with a state median of 566.
Location: mapped by the US Census Bureau at 33.5018, -112.3595.
Nearest larger cities: El Mirage (6 mi); Youngtown (7 mi); Tolleson (7 mi); Glendale (10 mi); Surprise (13 mi). Living near a larger metro rarely changes what is available in Litchfield Park.
Nearest smaller towns: Guadalupe (25 mi); Cave Creek (32 mi); Carefree (34 mi) — useful context for the surrounding area.
Smaller neighbours: 4 places smaller than Litchfield Park sit within 50 miles.
Within 100 miles: 33 places are larger than Litchfield Park.

The geography behind Litchfield Park

Litchfield Park covers about 3.3 square miles of land, with 0.03 square miles of water inside its boundaries (Census Gazetteer). Spread across it are roughly 2,099 residents per square mile. Phoenix, the largest place in Arizona, is about 16 miles from Litchfield Park. Counting outward 50 miles, 21 larger communities surround Litchfield Park. Within the same 50 miles lie 4 smaller Census places.

Which Arizona laws govern a loan in Litchfield Park

These are Arizona's sourced lending facts as they reach Litchfield Park's 6,884 residents; the state has no city-level rate rule.

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
Payday lending status	Not permitted — payday lending authorization expired June 30, 2010; DIFI no longer licenses payday lenders; consumer loans over 36% APR illegal since July 1, 2010 Source says: "The law allowing payday loans in Arizona expired on June 30, 2010. DIFI no longer licenses payday lenders."	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

How lenders reach Litchfield Park

Litchfield Park is a fairly dense community of about 6,884 people, with 21 larger places inside a 50-mile radius. What is available to Litchfield Park's 6,884 borrowers is set by Arizona licensing and your own credit, not by how many branches are nearby. The nearest larger city, El Mirage, AZ about 6 miles away.

Litchfield Park in state context

Against Arizona's other places, Litchfield Park accounts for about 0.1% of the state's population and ranks 52nd of 91 by size. For population change between 2020 and 2023, Litchfield Park ranks 57th of 91 in Arizona (about the 37th percentile). By density, at about 2,099 people per square mile, it ranks 12th in Arizona. By land area, its 3.3 square miles rank 80th of 91 places in Arizona.

What shapes a Litchfield Park personal loan

Litchfield Park is a small town of about 6,884 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. Two numbers drive a Litchfield Park 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 Litchfield Park loan but raises total interest, so the smallest payment is not the cheapest loan.

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Common questions

What are my options in Litchfield Park 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 Litchfield Park is the same as anywhere in Arizona.

What loan size can I expect in Litchfield Park?

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 Litchfield Park?

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 Litchfield Park 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.

Nearby places

El Mirage, AZ — population 35,850
Youngtown, AZ — population 6,919
Tolleson, AZ — population 7,173
Glendale, AZ — population 253,855
Avondale, AZ — population 93,545
Surprise, AZ — population 158,285
Goodyear, AZ — population 111,805
Phoenix, AZ — population 1,650,070