Springerville at a glance
- Population: about 1,727, 80th by size in Arizona of 91 places (Census Vintage 2023 subcounty estimate).
- 2020 Census base: the 2020 Census recorded 1,716 residents here (US Census Bureau).
- 2020 to 2023 change: about 0.6% more residents than the 2020 Census base (US Census Bureau).
- Rank among Arizona places: 80th-largest of 91 (US Census Bureau, Vintage 2023 estimate).
- Size percentile: ahead of around 12% of Arizona places in population terms (US Census Bureau).
- Coordinates: it sits at 34.1719, -109.3069 in the US Census Bureau Gazetteer.
- Nearest larger cities within 120 miles: Eagar, AZ (5 mi); St. Johns, AZ (23 mi); Pinetop-Lakeside, AZ (38 mi); Show Low, AZ (42 mi); Taylor, AZ (49 mi) (US Census Bureau).
- Smaller places nearby: Reserve, NM (45 mi); Duncan, AZ (99 mi); Virden, NM (104 mi), per US Census Bureau estimates.
What a personal loan costs in Springerville
The defining feature of a personal loan is the fixed installment: the same payment every month until the term ends.
Judge an offer by its APR, which blends the interest rate with fees, and use the personal loan calculator to see the total cost.
A lender weighs your credit profile, income and debts when setting the rate, and a longer term lowers the payment at the cost of more interest overall.
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 Springerville
Each row below is a Arizona rule with its publisher and the date it was retrieved.
| 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 Springerville
A few practical steps will make the process in Springerville less costly:
- 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.