Williams at a glance
- Population: roughly 3,463 people; 68th of 91 places in Arizona (Census Vintage 2023 subcounty estimate).
- 2020 Census base: 3,206 residents in the 2020 Census, per the US Census Bureau.
- 2020 to 2023 change: a gain of roughly 8.0% between the 2020 count and the 2023 estimate (US Census Bureau).
- Rank among Arizona places: 68th largest of 91 (US Census Bureau).
- Size percentile: roughly 25% of Arizona's places have fewer residents (US Census Bureau).
- Coordinates: mapped at 35.2466, -112.1833 by the US Census Bureau Gazetteer.
- Nearest larger cities (within 120 miles): Flagstaff, AZ (32 mi); Sedona, AZ (35 mi); Clarkdale, AZ (35 mi); Cottonwood, AZ (36 mi); Chino Valley, AZ (37 mi) (US Census Bureau populations).
- Nearest smaller towns: Jerome, AZ (35 mi); Tusayan, AZ (49 mi); Star Valley, AZ (88 mi) (US Census Bureau).
What a personal loan costs in Williams
A personal loan is an installment loan: you receive a lump sum and repay it in fixed monthly payments over a set term, usually two to seven years.
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 repayment period spreads the cost and increases the interest paid, so compare total cost, not just the monthly figure.
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 Williams
The table carries the Arizona rate and licensing rules that apply to consumer loans made in Williams.
| 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 Williams
Before you share your details with a lender in Williams:
- 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.