Marana at a glance
- Population: about 58,430 residents, ranking 20th of 91 Census places in Arizona (US Census Bureau, Vintage 2023 subcounty estimate).
- 2020 Census base: 51,904 people at the 2020 Census, the baseline for the trend below (US Census Bureau).
- 2020 to 2023 change: roughly 12.6% higher than at the 2020 Census (US Census Bureau).
- Rank among Arizona places: 20th largest of 91 (US Census Bureau).
- Size percentile: larger than about 78% of the Census places in Arizona (US Census Bureau).
- Coordinates: latitude 32.4659, longitude -111.1354 (US Census Bureau Gazetteer).
- Nearest larger cities: Tucson, AZ (27 mi); Casa Grande, AZ (48 mi); Queen Creek, AZ (60 mi); Maricopa, AZ (64 mi); Gilbert, AZ (68 mi) — straight-line distances, US Census Bureau populations.
- Nearest smaller towns: Oro Valley, AZ (10 mi); South Tucson, AZ (21 mi); Mammoth, AZ (28 mi) — US Census Bureau populations.
What a personal loan costs in Marana
A personal loan gives you the full amount at once and spreads repayment over a set number of months at a fixed payment.
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.
A longer term reduces what you owe each month and increases the total interest, which is the trade-off to weigh before choosing one.
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 Marana
The sourced rows below are the rules a licensed lender must follow when lending in Arizona, and therefore in Marana.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Marana
Here is a short checklist for comparing personal loans in Marana:
- 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.