Avondale at a glance
- Population: 93,545, the 14th-largest community in Arizona out of 91 (US Census Bureau, Vintage 2023).
- 2020 Census base: 89,343 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: up roughly 4.7% across the 2020-to-2023 comparison (US Census Bureau).
- Rank among Arizona places: 14th of the state's 91 Census places (US Census Bureau).
- Size percentile: ahead of around 85% of Arizona places in population terms (US Census Bureau).
- Coordinates: 33.3132 / -112.3289, per the US Census Bureau Gazetteer.
- Nearest larger cities: Goodyear, AZ (5 mi); Glendale, AZ (17 mi); Buckeye, AZ (20 mi); Phoenix, AZ (23 mi); Tempe, AZ (24 mi) — straight-line distances, US Census Bureau populations.
- Nearest smaller communities: Tolleson, AZ (10 mi); Litchfield Park, AZ (13 mi); Youngtown, AZ (19 mi), each a US Census place.
What a personal loan costs in Avondale
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.
Your credit, income and existing debts drive the rate a lender offers, while the term you pick sets how much interest builds on top.
A payment that strains the budget is a warning sign; a smaller loan or a little more saving time is the safer route.
Arizona lending rules that apply in Avondale
The table lists the Arizona rules that apply to a loan made in Avondale, each with the regulator that published it.
| 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 Avondale
Run through this list before signing anything in Avondale:
- 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.