Personal loans in Tempe, AZ

Population in Tempe climbed about 3.1% over the three years from 2020 to 2023. Read the disclosure for an origination fee and any prepayment penalty before signing in Tempe. State law, rather than federal rules alone, supplies the rate caps and licensing rules that reach Tempe's 189,834 residents. The nearest larger city is Chandler, AZ about 9 miles away.

Tempe: population, trend and location

Here is the sourced Census picture for Tempe, plus the Arizona lending rules that apply to a loan taken out here.

• Population: an estimated 189,834 residents, 9th of 91 places in Arizona (Census Vintage 2023 subcounty estimate).
• Population trend: The 2020-to-2023 change is positive, near 3.1%.
• People gained or lost: about 5,621 more since the 2020 base.
• Size percentile: roughly 90% of Arizona's places have fewer residents than Tempe's 189,834.
• Land and density: 40.0 square miles of land carry roughly 4,748 residents per square mile.
• Land area: Tempe covers 40.0 square miles, the 34th-largest area among Arizona's 91 places.
• Water area rank: Tempe ranks 15th among Arizona's 91 places, with 0.21 sq mi.
• State population share: Tempe accounts for about 3.2% of everyone in Arizona.
• National rank: Tempe is the 131st most populous of the 19,457 Census places covered here.
• Growth rank: Tempe's 2020-to-2023 change ranks 39th of 91 places in Arizona.
• Against the state trend: Tempe's 3.1% change compares with a Arizona average of +3.8% across its 91 places.
• Density rank: Tempe places 2nd among Arizona's places by people per square mile.
• Density vs Arizona: Tempe's 4,748 people per square mile compare with a state median of 566.
• Location: 33.3884 / -111.9318, per the US Census Bureau Gazetteer.
• Nearest larger cities: Chandler (9 mi); Gilbert (12 mi); Mesa (12 mi); Phoenix (16 mi); Glendale (18 mi). Living near a larger metro rarely changes what is available in Tempe.
• Smaller places close by: Guadalupe (2 mi); Paradise Valley (11 mi); Fountain Hills (19 mi).
• Smaller places within 50 miles: 21 of them.
• Within 100 miles: 7 places are larger than Tempe.

How Tempe compares across Arizona

Against Arizona's other places, Tempe accounts for about 3.2% of the state's population and ranks 9th of 91 by size. Its 2020-to-2023 change ranks 39th of 91 Arizona places, putting it near the 57th percentile for growth. By density, at about 4,748 people per square mile, it ranks 2nd in Arizona. Within 50 miles sit 21 smaller Census places, alongside the 7 that are larger.

Where Tempe sits

Tempe's land area is about 40.0 square miles; a further 0.21 square miles is water. The resulting density is about 4,748 people per square mile. For the state's biggest city, Phoenix, the distance is roughly 16 miles. Tempe has 7 larger places within a 50-mile radius. The 100-mile radius contains 7 larger places.

A practical checklist for Tempe borrowers

Before you hand your details to a lender in Tempe, where the population is near 189,834:

1. Start with the credit file: order the reports, fix the errors, then apply.
2. Price the payment first with our personal loan calculator before any lender quotes you.
3. Collect three or more offers and compare them on APR, not on the advertised rate.
4. Make sure the lender appears in the Arizona regulator's licence list.
5. Check that the monthly payment fits your budget next to your existing obligations.
6. Choose a term you can live with; stretching it lowers the payment but raises total interest.
7. Do not borrow more than the expense calls for, even if a lender approves a larger amount.

What differs between Tempe and the rest of Arizona is not the process but the borrower's own file, among the 189,834 people here.

How a Tempe personal loan is priced

Tempe is a sizable city of about 189,834 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. Because pricing is borrower-level, two people in Tempe can be quoted different APRs on the same amount and term. Because the payment is fixed, the total cost of a Tempe loan is knowable in advance — unlike a revolving card balance.

The Arizona lending rules that reach Tempe

Every row below records a Arizona rule, its publisher and its retrieval date — the same rules a Tempe lender must follow.