Lake Havasu City at a glance
- Population: 59,257 — 19th in Arizona, which has 91 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: 57,139 people counted in the 2020 Census (US Census Bureau).
- 2020 to 2023 change: up roughly 3.7% across the 2020-to-2023 comparison (US Census Bureau).
- Rank among Arizona places: the 19th-largest of 91 (US Census Bureau, 2023 estimate).
- Size percentile: roughly 79% of places in Arizona rank below it by population (US Census Bureau).
- Coordinates: latitude 34.4998, longitude -114.3109 (US Census Bureau Gazetteer).
- Nearest larger cities: Henderson, NV (112 mi), each a US Census place with its estimated population.
- Nearest smaller towns: Needles, CA (28 mi); Parker, AZ (33 mi); Bullhead City, AZ (46 mi) — US Census Bureau populations.
What a personal loan costs in Lake Havasu City
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 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.
Set the loan amount from the expense itself rather than the maximum you are approved for, and keep the payment within your existing budget.
Arizona lending rules that apply in Lake Havasu City
The Arizona rate caps and licensing rules that reach Lake Havasu City are listed below, each with its source and retrieval date.
| 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 Lake Havasu City
Before you share your details with a lender in Lake Havasu City:
- 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.