Kearny at a glance
- Population: the Census estimates 1,817 residents, ranking 79th of 91 places in Arizona (Vintage 2023).
- 2020 Census base: 1,735 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: a gain of roughly 4.7% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among Arizona places: 79th of the state's 91 Census places (US Census Bureau).
- Size percentile: it exceeds roughly 13% of Arizona's Census places by population (US Census Bureau).
- Coordinates: 33.0564, -110.9071 (Census Gazetteer, US Census Bureau).
- Nearest larger cities: Superior, AZ (19 mi); Globe, AZ (25 mi); Florence, AZ (29 mi); Coolidge, AZ (37 mi); Queen Creek, AZ (43 mi), each a US Census place with its estimated population.
- Nearest smaller communities: Hayden, AZ (9 mi); Winkelman, AZ (10 mi); Miami, AZ (23 mi) (Census populations).
What a personal loan costs in Kearny
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.
The APR is the comparable price of a loan since it folds in fees; model any offer with the personal loan calculator first.
The term is the lever: extend it and the payment falls while total interest climbs; shorten it and the reverse happens.
Pre-qualifying with several lenders takes minutes, uses a soft pull, and gives you real numbers to compare before any hard inquiry.
Arizona lending rules that apply in Kearny
Read the table as the compliance picture for a lender serving Kearny: label, sourced figure, publisher and 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 Kearny
Before you commit to a personal loan in Kearny, work through these steps:
- 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.