Queen Creek at a glance
- Population: a Census-estimated 76,570, placing it 16th among Arizona's 91 places (Vintage 2023 subcounty estimate).
- 2020 Census base: 59,531 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: about 28.6% growth over the 2020 Census base (US Census Bureau).
- Rank among Arizona places: 16th in population of 91 places (US Census Bureau).
- Size percentile: roughly 82% of Arizona's places have fewer residents (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 33.2394, -111.6133.
- Nearest larger cities: Gilbert, AZ (9 mi); Mesa, AZ (13 mi); Chandler, AZ (14 mi); Tempe, AZ (21 mi); Scottsdale, AZ (34 mi), each a US Census place with its estimated population.
- Smaller places close by: Apache Junction, AZ (11 mi); Florence, AZ (16 mi); Coolidge, AZ (22 mi) (US Census Bureau).
What a personal loan costs in Queen Creek
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.
Judge an offer by its APR, which blends the interest rate with fees, and use the personal loan calculator to see the total cost.
Stretching the term lowers the monthly payment but raises the total interest you pay, so the smallest payment is not automatically the cheapest loan.
If you are consolidating debt, the loan only helps if you stop adding to the balances it clears; otherwise the total debt grows.
Arizona lending rules that apply in Queen Creek
The Arizona rate caps and licensing rules that reach Queen Creek 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 Queen Creek
Run through this list before signing anything in Queen Creek:
- 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.