Superior at a glance
- Population: 2,571 residents, the 75th-largest of 91 places in Arizona (US Census Bureau, Vintage 2023).
- 2020 Census base: 2,415 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: an increase of about 6.5% since the 2020 count (US Census Bureau).
- Rank among Arizona places: 75th-largest of 91 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: roughly 18% of places in Arizona rank below it by population (US Census Bureau).
- Coordinates: 33.2716 latitude, -111.1242 longitude (US Census Bureau Gazetteer).
- Nearest larger cities: Florence, AZ (22 mi); Globe, AZ (24 mi); Apache Junction, AZ (25 mi); Queen Creek, AZ (28 mi); Coolidge, AZ (33 mi), each a US Census place with its estimated population.
- Nearest smaller towns: Miami, AZ (17 mi); Kearny, AZ (19 mi); Hayden, AZ (28 mi) (US Census Bureau).
What a personal loan costs in Superior
Unlike a revolving credit card, a personal loan is closed-end: the balance falls on a fixed schedule and the payment does not change.
Compare every quote on APR because it includes the fees the interest rate hides, and check the payment with our personal loan calculator.
Your credit, income and existing debts drive the rate a lender offers, while the term you pick sets how much interest builds on top.
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 Superior
Each row below is a Arizona rule with its publisher and the date it was retrieved.
| 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 Superior
A few practical steps will make the process in Superior less costly:
- 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.