Personal loans in Show Low, AZ
The first question in Show Low is not the rate on offer but whether the payment fits; about 12,192 people live here under Arizona lending law. By population, Show Low sits at 43rd in Arizona, with an estimated 12,192 residents.
Population in Show Low climbed about 3.9% over the three years from 2020 to 2023. A single loan can carry different costs on either side of a state line, and Show Low sits on the Arizona side of that line. Judge Show Low offers on total cost, not on how quickly the money arrives. The closest larger place is Payson, AZ about 73 miles away.
Show Low: population, trend and location
Most of what governs a Show Low loan is written in Arizona law rather than in the city; the sourced notes below make that split concrete.
- Population: about 12,192 people live here, which puts Show Low 43rd of 91 Census places in Arizona (Vintage 2023).
- Population trend: Higher by roughly 3.9% since the 2020 count.
- Absolute change: 461 residents added between 2020 and 2023.
- Size percentile: roughly 53% of Arizona places rank below Show Low.
- Density: the Census land area of 65.5 sq mi holds about 186 people per square mile.
- Land area rank: Show Low's 65.5 square miles rank 19th of 91 places in Arizona.
- Water: Show Low holds about 0.47 square miles, the 6th-largest water area in Arizona.
- Share of Arizona: Show Low holds about 0.2% of the state's population, some 12,192 people.
- Nationally: Show Low is the 2,745th-largest of 19,457 Census places in the dataset.
- Growth rank: Show Low ranks 35th among Arizona's 91 places for the 2020-to-2023 change.
- Against the state trend: Show Low's 3.9% change compares with a Arizona average of +3.8% across its 91 places.
- Density rank: Show Low is the 75th most densely settled place in Arizona.
- Against the state median: Show Low runs about 186 residents per square mile, where the Arizona median is 566.
- Location: it lies at 34.2651, -110.0383 in the Census Gazetteer.
- Nearest larger cities: Payson (73 mi); Apache Junction (106 mi); Camp Verde (106 mi); Fountain Hills (108 mi); Flagstaff (110 mi). A branch is convenient; it is not what sets your APR.
- Nearest smaller towns: Pinetop-Lakeside (9 mi); Taylor (13 mi); Snowflake (18 mi).
- Within a 50-mile radius: 7 smaller Census places.
- Larger places within 100 miles: 1.
Show Low in state context
Show Low is the 43rd-largest of 91 Census places in Arizona and contains about 0.2% of the state's people. On the 2020-to-2023 trend, Show Low stands 35th among Arizona's 91 places — roughly the 62th percentile. By density, at about 186 people per square mile, it ranks 75th in Arizona. Between 2020 and 2023 the count changed by roughly 461 residents.
What to do before borrowing in Show Low
A sensible order of operations for a loan in Show Low, home to about 12,192 people:
- Check all three credit reports for mistakes, because an error you fix now is a lower rate later.
- Model the payment on the calculator before a lender models it for you.
- Collect three or more offers and compare them on APR, not on the advertised rate.
- Look the lender up in the Arizona regulator's licence records before you sign.
- Check that the monthly payment fits your budget next to your existing obligations.
- Pick the shortest term whose payment you can comfortably afford.
- Do not borrow more than the expense calls for, even if a lender approves a larger amount.
In Show Low as elsewhere in Arizona, the written terms — not the advertisement — are what count for its 12,192 residents.
How lenders reach Show Low
At roughly 186 people per square mile, Show Low is lightly settled; 0 larger places lie within 50 miles. What is available to Show Low's 12,192 borrowers is set by Arizona licensing and your own credit, not by how many branches are nearby. For a larger market, the closest option is Payson, AZ about 73 miles away.
Arizona rules behind a Show Low personal loan
The rows below set out what a licensed lender must follow in Arizona, and so for Show Low's roughly 12,192 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 |
| 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 |
| 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 |
Where Show Low sits
Inside Show Low's boundaries lie roughly 65.5 square miles of land and 0.47 square miles of water. The resulting density is about 186 people per square mile. The largest place in Arizona, Phoenix, lies about 127 miles away. A 50-mile radius around Show Low takes in 0 places that are larger. The 100-mile radius contains 1 larger places.
Common questions
What are my options in Show Low if my credit is poor?
What loan size can I expect in Show Low?
Do I have to pledge anything to borrow in Show Low?
Does comparing loans in Show Low cost me credit score points?
Nearby places
- Pinetop-Lakeside, AZ — population 4,191
- Taylor, AZ — population 4,272
- Snowflake, AZ — population 6,670
- Holbrook, AZ — population 4,833
- St. Johns, AZ — population 3,362
- Springerville, AZ — population 1,727
- Eagar, AZ — population 4,437
- Winslow, AZ — population 8,517