Personal loans in Tucson, AZ
Which products a lender may offer to Tucson's 547,239 residents follows from the Arizona consumer-lending framework. The Census estimates 547,239 residents in Tucson, which ranks it 2nd of 91 places in Arizona. With roughly 547,239 residents, Tucson is a major metropolitan city, and the lending rules its borrowers live under are written in Arizona, not by the city. From the 2020 Census base to the 2023 estimate, the population rose by about 0.8%. Read the disclosure for an origination fee and any prepayment penalty before signing in Tucson. Within a 120-mile radius of Tucson, no city is larger.
Tucson: population, trend and location
Here is the sourced Census picture for Tucson, plus the Arizona lending rules that apply to a loan taken out here.
- Population: about 547,239 people live here, which puts Tucson 2nd of 91 Census places in Arizona (Vintage 2023).
- Population trend: About 0.8% above the 2020 Census base.
- Net change: roughly 4,581 more people than the 2020 Census counted.
- Size percentile: roughly 98% of Arizona's places have fewer residents than Tucson's 547,239.
- Land and density: 242.2 square miles of land carry roughly 2,259 residents per square mile.
- Land area rank: Tucson's 242.2 square miles rank 3rd of 91 places in Arizona.
- Water area rank: Tucson ranks 10th among Arizona's 91 places, with 0.32 sq mi.
- Share of Arizona: Tucson holds about 9.2% of the state's population, some 547,239 people.
- Nationally: Tucson is the 30th-largest of 19,457 Census places in the dataset.
- Growth rank: Tucson ranks 55th among Arizona's 91 places for the 2020-to-2023 change.
- Against the state trend: Tucson's 0.8% change compares with a Arizona average of +3.8% across its 91 places.
- Density rank: Tucson is the 11th most densely settled place in Arizona.
- Density vs Arizona: Tucson's 2,259 people per square mile compare with a state median of 566.
- Location: the Census Gazetteer records it at 32.1530, -110.8708.
- Smaller communities within reach: South Tucson (6 mi); Sahuarita (16 mi); Oro Valley (20 mi).
- Smaller neighbours: 8 places smaller than Tucson sit within 50 miles.
- Larger places within 100 miles: 0.
Tucson's place among Arizona's 91 places
Among Arizona's 91 places, Tucson sits at 2nd for population, a share of roughly 9.2% of the state. Its 2020-to-2023 change ranks 55th of 91 Arizona places, putting it near the 40th percentile for growth. By density, at about 2,259 people per square mile, it ranks 11th in Arizona. The population moved by about 4,581 people between 2020 and 2023, a 0.8% shift.
What is available to Tucson borrowers
At roughly 2,259 people per square mile, Tucson is fairly dense; 0 larger places lie within 50 miles. Whether Tucson has a local branch or not, a Arizona-licensed lender can serve its 547,239 people online on the same terms.
What shapes a Tucson personal loan
With roughly 547,239 residents, Tucson is a major metropolitan city; its personal loans are typically unsecured, priced from your credit rather than the city's size. Two numbers drive a Tucson loan: the APR, which includes fees, and the term, which decides how long you keep paying. Shortening the term on a Tucson loan raises the monthly payment but cuts the interest; lengthening it does the reverse.
Where Tucson sits
Tucson covers about 242.2 square miles of land, with 0.32 square miles of water inside its boundaries (Census Gazetteer). With 547,239 residents, the land area yields roughly 2,259 people per square mile. Phoenix, the largest place in Arizona, is about 121 miles from Tucson. Tucson has 0 larger places within a 50-mile radius. Within the same 50 miles lie 8 smaller Census places.
What Arizona law requires in Tucson
Read the table as a lender's compliance picture for Tucson: the rule, the sourced figure, the publisher and the date.
| 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 |
Common questions
What are my options in Tucson if my credit is poor?
What loan size can I expect in Tucson?
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Does comparing loans in Tucson cost me credit score points?
Nearby places
- South Tucson, AZ — population 4,521
- Sahuarita, AZ — population 36,356
- Oro Valley, AZ — population 48,311
- Marana, AZ — population 58,430
- Mammoth, AZ — population 1,133
- Benson, AZ — population 5,337
- Patagonia, AZ — population 789
- Huachuca City, AZ — population 1,600