Personal loans in Bisbee, AZ
Bisbee is one of 91 Census places in Arizona; its 4,994 residents put it at 58th. If you are weighing a personal loan in Bisbee, start from the payment you can carry; its 4,994 residents face the same statewide rules.
Census figures put the 2020-to-2023 increase in Bisbee at about 1.4%. Verify the lender's Arizona licence against the regulator named below before borrowing in Bisbee. For the 4,994 people in Bisbee, Arizona runs its own consumer-lending licensing, and the sourced table below lists the figures that apply. For a bigger market, look to Douglas, AZ about 23 miles away.
The Bisbee data picture
Only a few things actually differ by place — population, area, location, and the Arizona rules a lender must follow — and they are below.
- Population: an estimated 4,994 residents, 58th of 91 places in Arizona (Census Vintage 2023 subcounty estimate).
- Population trend: The 2020-to-2023 change is positive, near 1.4%.
- People gained or lost: about 70 more since the 2020 base.
- Size percentile: about 36% of Arizona communities are smaller than Bisbee (4,994 residents).
- Density: the Census land area of 5.2 sq mi holds about 965 people per square mile.
- Land area rank: Bisbee's 5.2 square miles rank 79th of 91 places in Arizona.
- State share: roughly 0.1% of Arizona's residents live in Bisbee (4,994 people).
- National rank: Bisbee is 4,826th of 19,457 places nationwide.
- Growth in Arizona: Bisbee stands 50th by percentage change from 2020 to 2023, among 91 places.
- Against the state trend: Bisbee's 1.4% change compares with a Arizona average of +3.8% across its 91 places.
- Density in Arizona: Bisbee ranks 32nd by people per square mile.
- Density vs Arizona: Bisbee's 965 people per square mile compare with a state median of 566.
- Location: 31.3980, -109.9318 (US Census Bureau Gazetteer).
- Nearest larger cities: Douglas (23 mi); Sierra Vista (25 mi); Benson (43 mi); Nogales (59 mi); Sahuarita (71 mi). A branch is convenient; it is not what sets your APR.
- Smaller towns nearby: Tombstone (24 mi); Huachuca City (29 mi); Patagonia (49 mi).
- Smaller neighbours: 3 places smaller than Bisbee sit within 50 miles.
- At 100 miles: 8 larger Census places fall inside that radius.
The Bisbee borrowing checklist
Before you hand your details to a lender in Bisbee, where the population is near 4,994:
- Start with the credit file: order the reports, fix the errors, then apply.
- Run the numbers on the personal loan calculator so you know the payment before you apply.
- Shop at least three lenders and judge them on APR and total cost.
- Confirm the Arizona licence with the regulator named above before committing.
- Write down the purpose of the loan and your repayment plan before you apply.
- If debt is already a struggle, talk to a nonprofit credit counsellor before borrowing more.
- Look for an origination fee or prepayment penalty in the written disclosure.
None of these steps is Bisbee-specific: the same Arizona licensing and disclosure rules reach all 4,994 residents.
How Bisbee compares across Arizona
Bisbee is the 58th-largest of 91 Census places in Arizona and contains about 0.1% of the state's people. For population change between 2020 and 2023, Bisbee ranks 50th of 91 in Arizona (about the 45th percentile). By density, at about 965 people per square mile, it ranks 32nd in Arizona. The population moved by about 70 people between 2020 and 2023, a 1.4% shift.
Borrowing reach in Bisbee
Bisbee is moderately settled, with about 965 people per square mile and 3 larger places within 50 miles. Distance to a branch rarely matters for Bisbee's 4,994 residents: the application is online and the price follows your credit file. The nearest bigger place is Douglas, AZ about 23 miles away.
Bisbee: area, density and distance
Bisbee covers about 5.2 square miles of land (Census Gazetteer); no significant water area is recorded inside its boundaries. With 4,994 residents, the land area yields roughly 965 people per square mile. The state's population centre of gravity, Phoenix, is roughly 196 miles away. Counting outward 50 miles, 3 larger communities surround Bisbee. By land area it ranks 79th of 91 Arizona places.
Which Arizona laws govern a loan in Bisbee
The rows below set out what a licensed lender must follow in Arizona, and so for Bisbee's roughly 4,994 residents.
| 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 |
| 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 |
Common questions
What are my options in Bisbee if my credit is poor?
What loan size can I expect in Bisbee?
Do I have to pledge anything to borrow in Bisbee?
Does comparing loans in Bisbee cost me credit score points?
Nearby places
- Tombstone, AZ — population 1,312
- Douglas, AZ — population 15,638
- Sierra Vista, AZ — population 44,431
- Huachuca City, AZ — population 1,600
- Benson, AZ — population 5,337
- Patagonia, AZ — population 789
- Willcox, AZ — population 3,202
- Nogales, AZ — population 19,702