Sierra Vista at a glance
- Population: 44,431 — 24th in Arizona, which has 91 Census places (US Census Bureau, Vintage 2023).
- 2020 Census base: the 2020 Census recorded 45,319 residents here (US Census Bureau).
- 2020 to 2023 change: about 2.0% lower than the 2020 Census base (US Census Bureau).
- Rank among Arizona places: 24th in population of 91 places (US Census Bureau).
- Size percentile: larger than about 74% of the Census places in Arizona (US Census Bureau).
- Coordinates: latitude 31.5654, longitude -110.3145 (US Census Bureau Gazetteer).
- Nearest larger cities: Tucson, AZ (52 mi); Oro Valley, AZ (71 mi); Marana, AZ (79 mi); each population is a US Census Bureau estimate.
- Smaller towns nearby: Huachuca City, AZ (5 mi); Tombstone, AZ (18 mi); Benson, AZ (24 mi) (US Census Bureau).
What a personal loan costs in Sierra Vista
Personal loans are closed-end installment debt, so the monthly payment and the payoff date are known from the start.
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.
Because interest accrues for longer, a longer term means a lower installment and a higher total cost — decide which matters more to you.
Work out the payment you can comfortably carry each month first, then borrow no more than that figure supports.
Arizona lending rules that apply in Sierra Vista
Where a figure is not published by the state, the row points to the source instead of guessing.
| 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 Sierra Vista
Here is a short checklist for comparing personal loans in Sierra Vista:
- 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.