Dewey-Humboldt at a glance
- Population: roughly 4,540 people; 61st of 91 places in Arizona (Census Vintage 2023 subcounty estimate).
- 2020 Census base: the 2020 Census recorded 4,321 residents here (US Census Bureau).
- 2020 to 2023 change: an increase of about 5.1% since the 2020 count (US Census Bureau).
- Rank among Arizona places: 61st of 91 by population (US Census Bureau, Vintage 2023).
- Size percentile: ahead of around 33% of Arizona places in population terms (US Census Bureau).
- Coordinates: 34.5174, -112.2497 (US Census Bureau Gazetteer).
- Nearest larger cities within 120 miles: Prescott Valley, AZ (7 mi); Prescott, AZ (12 mi); Chino Valley, AZ (18 mi); Clarkdale, AZ (19 mi); Cottonwood, AZ (22 mi) (US Census Bureau).
- Nearest smaller towns: Jerome, AZ (18 mi); Williams, AZ (51 mi); Carefree, AZ (52 mi) (US Census Bureau).
What a personal loan costs in Dewey-Humboldt
Personal loans are closed-end installment debt, so the monthly payment and the payoff date are known from the start.
The APR is the comparable price of a loan since it folds in fees; model any offer with the personal loan calculator first.
The offer you receive reflects the lender's read of your credit, income and debts, and the term controls the balance between payment size and total interest.
A useful rule is to keep the new payment inside the room your budget already has, so the loan eases pressure instead of adding to it.
Arizona lending rules that apply in Dewey-Humboldt
The Arizona rate caps and licensing rules that reach Dewey-Humboldt are listed below, each with its source and retrieval date.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Dewey-Humboldt
Run through this list before signing anything in Dewey-Humboldt:
- 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.