Sedona at a glance
- Population: about 9,819, 45th by size in Arizona of 91 places (Census Vintage 2023 subcounty estimate).
- 2020 Census base: the 2020 Census recorded 9,684 residents here (US Census Bureau).
- 2020 to 2023 change: roughly 1.4% higher than at the 2020 Census (US Census Bureau).
- Rank among Arizona places: 45th largest of 91 (US Census Bureau).
- Size percentile: about 51% of places in Arizona are smaller (US Census Bureau).
- Coordinates: latitude 34.8585, longitude -111.7931 (US Census Bureau Gazetteer).
- Nearest larger cities (within 120 miles): Cottonwood, AZ (13 mi); Camp Verde, AZ (20 mi); Flagstaff, AZ (25 mi); Prescott Valley, AZ (35 mi); Chino Valley, AZ (36 mi) (US Census Bureau populations).
- Smaller places nearby: Clarkdale, AZ (17 mi); Jerome, AZ (19 mi); Williams, AZ (35 mi), per US Census Bureau estimates.
What a personal loan costs in Sedona
A personal loan gives you the full amount at once and spreads repayment over a set number of months at a fixed payment.
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.
Shop with more than one lender and treat pre-qualification as an estimate, since the final terms follow a full application.
Arizona lending rules that apply in Sedona
Read the table as the compliance picture for a lender serving Sedona: label, sourced figure, publisher and date.
| Rule | Detail | Source |
|---|---|---|
| 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 |
| 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 |
How to compare offers in Sedona
The steps below are worth completing first when you borrow in Sedona:
- 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.