Glendale at a glance
- Population: 253,855 residents, the 6th-largest of 91 places in Arizona (US Census Bureau, Vintage 2023).
- 2020 Census base: the 2020 count put the population at 248,403 (US Census Bureau).
- 2020 to 2023 change: up about 2.2% from the 2020 Census base to the 2023 estimate (US Census Bureau).
- Rank among Arizona places: 6th by size among 91 communities (US Census Bureau).
- Size percentile: ahead of around 93% of Arizona places in population terms (US Census Bureau).
- Coordinates: 33.5331 latitude, -112.1899 longitude (US Census Bureau Gazetteer).
- Nearest larger cities (120-mile radius): Phoenix, AZ (6 mi); Chandler, AZ (26 mi); Mesa, AZ (29 mi); Gilbert, AZ (30 mi) (US Census Bureau).
- Smaller towns nearby: Tolleson, AZ (7 mi); Youngtown, AZ (8 mi); El Mirage, AZ (9 mi) (US Census Bureau).
What a personal loan costs in Glendale
The defining feature of a personal loan is the fixed installment: the same payment every month until the term ends.
Two loans can share an interest rate and still differ in APR once fees are counted, so compare APR; our personal loan calculator shows the difference over the full term.
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.
Pre-qualifying with several lenders takes minutes, uses a soft pull, and gives you real numbers to compare before any hard inquiry.
Arizona lending rules that apply in Glendale
Read the table as the compliance picture for a lender serving Glendale: label, sourced figure, publisher and date.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Glendale
Run through this list before signing anything in Glendale:
- 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.