Clarkdale at a glance
- Population: roughly 4,904 people; 59th of 91 places in Arizona (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 4,436 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: up roughly 10.6% across the 2020-to-2023 comparison (US Census Bureau).
- Rank among Arizona places: 59th-largest of 91 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: it is larger than about 35% of the places in Arizona (US Census Bureau).
- Coordinates: it sits at 34.7480, -112.0587 in the US Census Bureau Gazetteer.
- Nearest larger cities: Cottonwood, AZ (4 mi); Camp Verde, AZ (17 mi); Sedona, AZ (17 mi); Prescott Valley, AZ (18 mi); Chino Valley, AZ (20 mi); each population is a US Census Bureau estimate.
- Nearest smaller places: Jerome, AZ (3 mi); Dewey-Humboldt, AZ (19 mi); Williams, AZ (35 mi) (US Census Bureau estimates).
What a personal loan costs in Clarkdale
A personal loan gives you the full amount at once and spreads repayment over a set number of months at a fixed payment.
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.
A lender weighs your credit profile, income and debts when setting the rate, and a longer term lowers the payment at the cost of more interest overall.
Work out the payment you can comfortably carry each month first, then borrow no more than that figure supports.
Arizona lending rules that apply in Clarkdale
The table lists the Arizona rules that apply to a loan made in Clarkdale, each with the regulator that published it.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Clarkdale
These steps are the ones that most affect the offer you receive in Clarkdale:
- 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.