Coolidge at a glance
- Population: 18,293 (US Census Bureau, Vintage 2023 subcounty estimate), the 35th-largest of 91 places in Arizona.
- 2020 Census base: the 2020 Census recorded 13,257 residents here (US Census Bureau).
- 2020 to 2023 change: up about 38.0% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among Arizona places: 35th by size among 91 communities (US Census Bureau).
- Size percentile: it exceeds roughly 62% of Arizona's Census places by population (US Census Bureau).
- Coordinates: mapped at 32.9336, -111.5236 by the US Census Bureau Gazetteer.
- Nearest larger cities: Florence, AZ (11 mi); Eloy, AZ (14 mi); Casa Grande, AZ (14 mi); Queen Creek, AZ (22 mi); Maricopa, AZ (29 mi) (Census populations, approximate straight-line distance).
- Nearest smaller places: Superior, AZ (33 mi); Kearny, AZ (37 mi); Guadalupe, AZ (39 mi) (US Census Bureau estimates).
What a personal loan costs in Coolidge
A personal loan is an installment loan: you receive a lump sum and repay it in fixed monthly payments over a set term, usually two to seven years.
The APR is the comparable price of a loan since it folds in fees; model any offer with the personal loan calculator first.
Lenders weigh your credit history, income and debts when they set the rate, and the term you choose then determines how that rate compounds into total cost.
Before you borrow, decide what the loan is for and whether the monthly payment fits a budget you can already meet without taking on new debt.
Arizona lending rules that apply in Coolidge
Read the table as the compliance picture for a lender serving Coolidge: label, sourced figure, publisher and date.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Coolidge
These steps are the ones that most affect the offer you receive in Coolidge:
- 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.