Personal loans in Pima, AZ

In Pima, one of 91 Census places in Arizona, the figure to compare across lenders is the APR, not the advertised rate. State law, rather than federal rules alone, supplies the rate caps and licensing rules that reach Pima's 3,036 residents.

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.

About 3,036 people live in Pima, placing it 72nd of 91 Census places in Arizona. Read the disclosure for an origination fee and any prepayment penalty before signing in Pima. Census figures put the 2020-to-2023 increase in Pima at about 6.8%. A larger market lies at Thatcher, AZ about 7 miles away.

Pima: population, trend and location

Pima is a small community; the notes below cover its population profile and the statewide rules that apply.

Borrowing reach in Pima

With about 416 residents per square mile, Pima is lightly settled, and 4 larger Census places sit within 50 miles. Distance to a branch rarely matters for Pima's 3,036 residents: the application is online and the price follows your credit file. The nearest larger city, Thatcher, AZ about 7 miles away.

What Arizona law requires in Pima

Read the table as a lender's compliance picture for Pima: the rule, the sourced figure, the publisher and the date.

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

How Pima compares across Arizona

Among Arizona's 91 places, Pima sits at 72nd for population, a share of roughly 0.1% of the state. On the 2020-to-2023 trend, Pima stands 22nd among Arizona's 91 places — roughly the 76th percentile. Its roughly 416 residents per square mile place it 53rd among Arizona's places. The population moved by about 192 people between 2020 and 2023, a 6.8% shift.

Pima: area, density and distance

The Census Gazetteer records 7.3 square miles of land and 0.06 square miles of water within Pima. Spread across it are roughly 416 residents per square mile. The state's population centre of gravity, Phoenix, is roughly 138 miles away. A 50-mile radius around Pima takes in 4 places that are larger. Within the same 50 miles lie 1 smaller Census places.

Inside a Pima personal loan

With roughly 3,036 residents, Pima is a small community; its personal loans are typically unsecured, priced from your credit rather than the city's size. Federal Truth in Lending rules require a Pima lender to disclose the APR and finance charge before you sign. The term you choose in Pima decides the split between a comfortable payment and the total interest you pay.

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 Pima 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 Pima is the same as anywhere in Arizona.
What loan size can I expect in Pima?
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 Pima?
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 Pima 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

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