Mammoth at a glance
- Population: 1,133 residents, the 85th-largest of 91 places in Arizona (US Census Bureau, Vintage 2023).
- 2020 Census base: 1,081 people (US Census Bureau, 2020 Census count).
- 2020 to 2023 change: a gain of roughly 4.8% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among Arizona places: the 85th-largest of 91 (US Census Bureau, 2023 estimate).
- Size percentile: roughly 7% of Arizona's places have fewer residents (US Census Bureau).
- Coordinates: it sits at 32.6852, -110.7293 in the US Census Bureau Gazetteer.
- Nearest larger cities (120-mile radius): Oro Valley, AZ (23 mi); Kearny, AZ (28 mi); Marana, AZ (28 mi); South Tucson, AZ (37 mi); Tucson, AZ (38 mi) (US Census Bureau).
- Nearest smaller places: Winkelman, AZ (21 mi); Hayden, AZ (22 mi); Patagonia, AZ (79 mi) (US Census Bureau estimates).
What a personal loan costs in Mammoth
With an installment loan the payment is fixed for the life of the loan, so the schedule is predictable from the first month to the last.
APR is the figure that lets you compare like with like, since it wraps fees into the rate; run your own numbers with the personal loan calculator.
Stretching the term lowers the monthly payment but raises the total interest you pay, so the smallest payment is not automatically the cheapest loan.
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 Mammoth
The Arizona rate caps and licensing rules that reach Mammoth 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 Mammoth
Here is a short checklist for comparing personal loans in Mammoth:
- 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.