Personal loans in Scottsdale, AZ
If you are weighing a personal loan in Scottsdale, start from the payment you can carry; its 244,394 residents face the same statewide rules. Scottsdale is one of 91 Census places in Arizona; its 244,394 residents put it at 7th.
The next larger city is Phoenix, AZ about 15 miles away. Population in Scottsdale climbed about 1.3% over the three years from 2020 to 2023. For the 244,394 people in Scottsdale, Arizona runs its own consumer-lending licensing, and the sourced table below lists the figures that apply. Use the calculator on this page to price an amount and term before you commit in Scottsdale.
Scottsdale: population, trend and location
Only a few things actually differ by place — population, area, location, and the Arizona rules a lender must follow — and they are below.
- Population: about 244,394 people live here, which puts Scottsdale 7th of 91 Census places in Arizona (Vintage 2023).
- Population trend: A rise of about 1.3% from 2020 to 2023.
- Absolute change: 3,054 residents added between 2020 and 2023.
- Size percentile: about 92% of Arizona's Census places are smaller than Scottsdale.
- Land and density: 184.0 square miles of land carry roughly 1,328 residents per square mile.
- By land area: Scottsdale ranks 5th among Arizona's 91 places, at 184.0 sq mi.
- Water area rank: Scottsdale ranks 7th among Arizona's 91 places, with 0.44 sq mi.
- State population share: Scottsdale accounts for about 4.1% of everyone in Arizona.
- National standing: Scottsdale ranks 90th of 19,457 US places.
- Growth rank: Scottsdale's 2020-to-2023 change ranks 53rd of 91 places in Arizona.
- Versus Arizona: the state average change is +3.8%, while Scottsdale moved 1.3%.
- Density in Arizona: Scottsdale ranks 21st by people per square mile.
- Density vs Arizona: Scottsdale's 1,328 people per square mile compare with a state median of 566.
- Location: latitude 33.6843, longitude -111.8614 (Census Gazetteer).
- Nearest larger cities: Phoenix (15 mi); Mesa (21 mi); Glendale (22 mi); Gilbert (27 mi); Chandler (28 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
- Nearest smaller towns: Fountain Hills (9 mi); Carefree (10 mi); Paradise Valley (11 mi) — useful context for the surrounding area.
- Within a 50-mile radius: 20 smaller Census places.
- Larger places within 100 miles: 5.
How Scottsdale compares across Arizona
Set beside Arizona's 91 places, Scottsdale ranks 7th by population and holds about 4.1% of the state total. For population change between 2020 and 2023, Scottsdale ranks 53rd of 91 in Arizona (about the 42th percentile). Its roughly 1,328 residents per square mile place it 21st among Arizona's places. Within 50 miles sit 20 smaller Census places, alongside the 5 that are larger.
Inside a Scottsdale personal loan
With roughly 244,394 residents, Scottsdale is a sizable city; its personal loans are typically unsecured, priced from your credit rather than the city's size. The APR tracks your credit score rather than Scottsdale's rank of 7th in Arizona: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. The term you choose in Scottsdale decides the split between a comfortable payment and the total interest you pay.
Scottsdale on the map
Scottsdale covers about 184.0 square miles of land, with 0.44 square miles of water inside its boundaries (Census Gazetteer). With 244,394 residents, the land area yields roughly 1,328 people per square mile. For the state's biggest city, Phoenix, the distance is roughly 15 miles. Counting outward 50 miles, 5 larger communities surround Scottsdale. By land area it ranks 5th of 91 Arizona places.
Arizona rules behind a Scottsdale personal loan
The rows below set out what a licensed lender must follow in Arizona, and so for Scottsdale's roughly 244,394 residents.
| 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 is available to Scottsdale borrowers
Scottsdale is moderately settled, with about 1,328 people per square mile and 5 larger places within 50 miles. Whether Scottsdale has a local branch or not, a Arizona-licensed lender can serve its 244,394 people online on the same terms. The nearest bigger place is Phoenix, AZ about 15 miles away.
Common questions
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Nearby places
- Fountain Hills, AZ — population 23,611
- Carefree, AZ — population 3,642
- Paradise Valley, AZ — population 12,502
- Cave Creek, AZ — population 5,152
- Phoenix, AZ — population 1,650,070
- Tempe, AZ — population 189,834
- Mesa, AZ — population 511,648
- Guadalupe, AZ — population 5,217