Personal loans in Maricopa, AZ
A personal loan in Maricopa is priced from your credit file and income, not from the fact that the city holds 71,022 people. At about 71,022 residents, Maricopa is larger than roughly 81% of the places in Arizona. Maricopa gained roughly 22.2% in population across the 2020-to-2023 comparison. Get pre-qualified with several lenders, then compare APR rather than the headline rate for a Maricopa loan. The next larger city is Chandler, AZ about 19 miles away. A single loan can carry different costs on either side of a state line, and Maricopa sits on the Arizona side of that line.
Maricopa: the sourced local profile
Only a few things actually differ by place — population, area, location, and the Arizona rules a lender must follow — and they are below.
- Population: an estimated 71,022 residents, 17th of 91 places in Arizona (Census Vintage 2023 subcounty estimate).
- Population trend: A gain of roughly 22.2% between 2020 and 2023.
- Net change: roughly 12,879 more people than the 2020 Census counted.
- Size percentile: about 81% of Arizona communities are smaller than Maricopa (71,022 residents).
- Density: the Census land area of 42.5 sq mi holds about 1,672 people per square mile.
- Land area: Maricopa covers 42.5 square miles, the 29th-largest area among Arizona's 91 places.
- Water area rank: Maricopa ranks 26th among Arizona's 91 places, with 0.10 sq mi.
- State population share: Maricopa accounts for about 1.2% of everyone in Arizona.
- National rank: Maricopa is 527th of 19,457 places nationwide.
- Growth in Arizona: Maricopa stands 3rd by percentage change from 2020 to 2023, among 91 places.
- State comparison: Arizona's places average +3.8% for 2020-to-2023, against Maricopa's 22.2%.
- Density rank: Maricopa is the 17th most densely settled place in Arizona.
- Density in context: Maricopa's 1,672 people per square mile sit against a Arizona median of 566.
- Location: 33.0419, -111.9993 (Census Gazetteer coordinates).
- Nearest larger cities: Chandler (19 mi); Gilbert (24 mi); Tempe (24 mi); Goodyear (26 mi); Queen Creek (26 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
- Smaller towns nearby: Casa Grande (17 mi); Guadalupe (23 mi); Coolidge (29 mi).
- Smaller neighbours: 13 places smaller than Maricopa sit within 50 miles.
- At 100 miles: 14 larger Census places fall inside that radius.
Maricopa: area, density and distance
The Census Gazetteer records 42.5 square miles of land and 0.10 square miles of water within Maricopa. Spread across it are roughly 1,672 residents per square mile. The largest place in Arizona, Phoenix, lies about 37 miles away. Within 50 miles of Maricopa there are 11 larger Census places. The 100-mile radius contains 14 larger places.
Maricopa against the rest of Arizona
Set beside Arizona's 91 places, Maricopa ranks 17th by population and holds about 1.2% of the state total. For population change between 2020 and 2023, Maricopa ranks 3rd of 91 in Arizona (about the 97th percentile). Its roughly 1,672 residents per square mile place it 17th among Arizona's places. In land area, Maricopa ranks 29th among Arizona's 91 places.
Arizona consumer-lending rules applied in Maricopa
When Arizona does not publish a figure, the row links to the source instead of inventing a number; Maricopa is bound by the same rules.
| 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 |
| 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 Maricopa personal loan
Most loans made to Maricopa's 71,022 residents are unsecured, so nothing is pledged and the lender relies on your credit history. The APR tracks your credit score rather than Maricopa's rank of 17th in Arizona: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. Shortening the term on a Maricopa loan raises the monthly payment but cuts the interest; lengthening it does the reverse.
How lenders reach Maricopa
Maricopa is a moderately settled community of about 71,022 people, with 11 larger places inside a 50-mile radius. A Arizona licence lets a lender serve Maricopa without a local office, so branch density does not change what its 71,022 residents are offered. The nearest larger city, Chandler, AZ about 19 miles away.
Common questions
What are my options in Maricopa if my credit is poor?
What loan size can I expect in Maricopa?
Do I have to pledge anything to borrow in Maricopa?
Does comparing loans in Maricopa cost me credit score points?
Nearby places
- Casa Grande, AZ — population 63,743
- Chandler, AZ — population 280,167
- Guadalupe, AZ — population 5,217
- Tempe, AZ — population 189,834
- Gilbert, AZ — population 275,411
- Goodyear, AZ — population 111,805
- Avondale, AZ — population 93,545
- Queen Creek, AZ — population 76,570