Apache Junction at a glance
- Population: 41,153 people, the 26th-largest place among Arizona's 91 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: the 2020 Census recorded 38,514 residents here (US Census Bureau).
- 2020 to 2023 change: an increase of about 6.9% since the 2020 count (US Census Bureau).
- Rank among Arizona places: 26th largest of 91 (US Census Bureau).
- Size percentile: roughly 71% of Arizona's places have fewer residents (US Census Bureau).
- Coordinates: 33.3828 / -111.5405, per the US Census Bureau Gazetteer.
- Nearest larger cities: Mesa, AZ (10 mi); Queen Creek, AZ (11 mi); Gilbert, AZ (13 mi); Chandler, AZ (19 mi); Tempe, AZ (23 mi) — straight-line distances, US Census Bureau populations.
- Smaller places nearby: Fountain Hills, AZ (19 mi); Florence, AZ (23 mi); Guadalupe, AZ (24 mi), per US Census Bureau estimates.
What a personal loan costs in Apache Junction
Unlike a revolving credit card, a personal loan is closed-end: the balance falls on a fixed schedule and the payment does not change.
The advertised interest rate leaves out fees that the APR captures, which is why APR is the number to weigh; try the personal loan calculator before you apply.
The offer you receive reflects the lender's read of your credit, income and debts, and the term controls the balance between payment size and total interest.
A payment that strains the budget is a warning sign; a smaller loan or a little more saving time is the safer route.
Arizona lending rules that apply in Apache Junction
The Arizona rate caps and licensing rules that reach Apache Junction are listed below, each with its source and retrieval date.
| Rule | Detail | Source |
|---|---|---|
| Small-loan / installment lender licensing | Consumer lender license required from the deputy director (A.R.S. Title 6, Chapter 5); at least $25,000 in assets readily available per licensed office; license not transferable Source says: "shall not engage in the business of a consumer lender without first being licensed as a consumer lender". | Arizona State Legislature — A.R.S. § 6-603 as of 2026-09-16 |
| 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 |
| 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 |
How to compare offers in Apache Junction
Before you share your details with a lender in Apache Junction:
- Pull your free credit reports and dispute any error — it is the cheapest way to improve the rate you are offered.
- Run your figures through the personal loan calculator on this site so you know the payment before a lender quotes one.
- Pre-qualify with at least three lenders and compare the APR, not the interest rate.
- Check that the lender is licensed in Arizona using the regulator named above.
- Read the disclosure for origination fees and any prepayment penalty before you sign.