Chino Valley at a glance
- Population: 13,815 (US Census Bureau, Vintage 2023 subcounty estimate), the 39th-largest of 91 places in Arizona.
- 2020 Census base: 13,016 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: an increase of about 6.1% since the 2020 count (US Census Bureau).
- Rank among Arizona places: 39th by size among 91 communities (US Census Bureau).
- Size percentile: larger than about 57% of the Census places in Arizona (US Census Bureau).
- Coordinates: latitude 34.7399, longitude -112.4061 (US Census Bureau Gazetteer).
- Nearest larger cities within 120 miles: Prescott, AZ (10 mi); Prescott Valley, AZ (11 mi); Flagstaff, AZ (54 mi); Peoria, AZ (66 mi); Payson, AZ (71 mi) (US Census Bureau).
- Nearest smaller communities: Jerome, AZ (17 mi); Dewey-Humboldt, AZ (18 mi); Clarkdale, AZ (20 mi), each a US Census place.
What a personal loan costs in Chino Valley
Personal loans are installment credit — one lump sum, repaid in equal monthly installments across a fixed term you agree to up front.
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.
Choosing a longer term eases the monthly budget but adds interest over the life of the loan; a shorter term costs more per month and less overall.
Most lenders offer pre-qualification with a soft credit pull, so you can see an estimated rate and amount without affecting your credit score.
Arizona lending rules that apply in Chino Valley
Each row below is a Arizona rule with its publisher and the date it was retrieved.
| 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 Chino Valley
Here is a short checklist for comparing personal loans in Chino Valley:
- 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.