Kingman at a glance
- Population: the Census estimates 35,334 residents, ranking 30th of 91 places in Arizona (Vintage 2023).
- 2020 Census base: 32,693 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: about 8.1% more residents than the 2020 Census base (US Census Bureau).
- Rank among Arizona places: 30th largest of 91 (US Census Bureau).
- Size percentile: larger than about 67% of the Census places in Arizona (US Census Bureau).
- Coordinates: it sits at 35.2170, -114.0105 in the US Census Bureau Gazetteer.
- Nearest larger cities: Bullhead City, AZ (31 mi); Lake Havasu City, AZ (52 mi); Henderson, NV (79 mi); North Las Vegas, NV (96 mi); Prescott, AZ (99 mi); each population is a US Census Bureau estimate.
- Nearest smaller communities: Needles, CA (45 mi); Boulder City, NV (67 mi); Parker, AZ (83 mi), each a US Census place.
What a personal loan costs in Kingman
Personal loans are closed-end installment debt, so the monthly payment and the payoff date are known from the start.
Judge an offer by its APR, which blends the interest rate with fees, and use the personal loan calculator to see the total cost.
Because interest accrues for longer, a longer term means a lower installment and a higher total cost — decide which matters more to you.
Set the loan amount from the expense itself rather than the maximum you are approved for, and keep the payment within your existing budget.
Arizona lending rules that apply in Kingman
The Arizona rate caps and licensing rules that reach Kingman are listed below, each with its source and retrieval 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 |
| 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 |
How to compare offers in Kingman
Run through this list before signing anything in Kingman:
- 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.