St. Johns at a glance
- Population: 3,362 (US Census Bureau, Vintage 2023 subcounty estimate), the 70th-largest of 91 places in Arizona.
- 2020 Census base: 3,422 people at the 2020 Census, the baseline for the trend below (US Census Bureau).
- 2020 to 2023 change: population fell about 1.8% (US Census Bureau Vintage 2023 estimate vs 2020 Census).
- Rank among Arizona places: 70th of 91 by population (US Census Bureau, Vintage 2023).
- Size percentile: roughly 23% of Arizona's places have fewer residents (US Census Bureau).
- Coordinates: the Census Gazetteer places it at 34.5004, -109.3769.
- Nearest larger cities (120-mile radius): Eagar, AZ (28 mi); Snowflake, AZ (41 mi); Show Low, AZ (41 mi); Taylor, AZ (41 mi); Pinetop-Lakeside, AZ (41 mi) (US Census Bureau).
- Nearest smaller towns: Springerville, AZ (23 mi); Reserve, NM (65 mi); Milan, NM (97 mi) (US Census Bureau).
What a personal loan costs in St. Johns
Unlike a revolving credit card, a personal loan is closed-end: the balance falls on a fixed schedule and the payment does not change.
Judge an offer by its APR, which blends the interest rate with fees, and use the personal loan calculator to see the total cost.
Because interest accrues for longer, a longer term means a lower installment and a higher total cost — decide which matters more to you.
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 St. Johns
Read the table as the compliance picture for a lender serving St. Johns: label, sourced figure, publisher and 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 St. Johns
The steps below are worth completing first when you borrow in St. Johns:
- 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.