Personal loans in Clifton, AZ

Get pre-qualified with several lenders, then compare APR rather than the headline rate for a Clifton loan. Clifton shed about 3.8% of its population between the 2020 base and the 2023 estimate. Lenders active in Clifton report to a Arizona supervisor, identified in the sourced rows below. The closest larger place is Safford, AZ about 28 miles away.

What the Census records for Clifton

Here is the sourced Census picture for Clifton, plus the Arizona lending rules that apply to a loan taken out here.

• Population: a Census-estimated 3,780, 66th among Arizona's 91 places (Vintage 2023).
• Population trend: A loss of roughly 3.8% between 2020 and 2023.
• Net change: roughly 150 fewer people than the 2020 Census counted.
• Size percentile: roughly 27% of Arizona places rank below Clifton.
• Population density: 258 people per square mile on 14.7 square miles of land.
• Land area rank: Clifton's 14.7 square miles rank 60th of 91 places in Arizona.
• Water area rank: Clifton ranks 20th among Arizona's 91 places, with 0.18 sq mi.
• State share: roughly 0.1% of Arizona's residents live in Clifton (3,780 people).
• National rank: Clifton is 5,601st of 19,457 places nationwide.
• Growth rank: Clifton's 2020-to-2023 change ranks 88th of 91 places in Arizona.
• Against the state trend: Clifton's 3.8% change compares with a Arizona average of +3.8% across its 91 places.
• Density rank: Clifton is the 68th most densely settled place in Arizona.
• Against the state median: Clifton runs about 258 residents per square mile, where the Arizona median is 566.
• Location: 33.0296 / -109.2840, per the US Census Bureau Gazetteer.
• Nearest larger cities: Safford (28 mi); Thatcher (32 mi); Silver City (61 mi); Eagar (74 mi); Pinetop-Lakeside (87 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
• Nearest smaller towns: Duncan (22 mi); Virden (29 mi); Pima (34 mi).
• Smaller places within 50 miles: 3 of them.
• Within 100 miles: 8 places are larger than Clifton.

The anatomy of a Clifton personal loan

Most loans made to Clifton's 3,780 residents are unsecured, so nothing is pledged and the lender relies on your credit history. The APR tracks your credit score rather than Clifton's rank of 66th in Arizona: a strong file may earn a single-digit rate, while damaged credit can push the rate far higher. Because the payment is fixed, the total cost of a Clifton loan is knowable in advance — unlike a revolving card balance.

Arizona rules behind a Clifton personal loan

When Arizona does not publish a figure, the row links to the source instead of inventing a number; Clifton is bound by the same rules.

The geography behind Clifton

Inside Clifton's boundaries lie roughly 14.7 square miles of land and 0.18 square miles of water. The resulting density is about 258 people per square mile. The largest place in Arizona, Phoenix, lies about 166 miles away. Clifton has 2 larger places within a 50-mile radius. The 100-mile radius contains 8 larger places.

Getting a loan in Clifton

Clifton is lightly settled, with about 258 people per square mile and 2 larger places within 50 miles. Whether Clifton has a local branch or not, a Arizona-licensed lender can serve its 3,780 people online on the same terms. The nearest bigger place is Safford, AZ about 28 miles away.

A practical checklist for Clifton borrowers

These steps shape the offer you get in Clifton, a place of about 3,780 people:

1. Check all three credit reports for mistakes, because an error you fix now is a lower rate later.
2. Use the loan calculator to test the payment on your intended amount and term.
3. Get several pre-qualifications and compare APR side by side before choosing.
4. Look the lender up in the Arizona regulator's licence records before you sign.
5. When debt already feels heavy, a nonprofit credit counsellor is worth a call first.
6. Read the disclosure for an origination fee and any prepayment penalty before signing.
7. Check that the monthly payment fits your budget next to your existing obligations.

In Clifton as elsewhere in Arizona, the written terms — not the advertisement — are what count for its 3,780 residents.