Personal loans in Douglas, AZ
If you are weighing a personal loan in Douglas, start from the payment you can carry; its 15,638 residents face the same statewide rules. Rate ceilings, licensing requirements and product limits for Douglas are all set at the Arizona level.
Douglas is home to roughly 15,638 people and stands 37th by size out of 91 Census places in Arizona. Decide the purpose of the loan and your repayment plan before sharing any details with a Douglas lender. Douglas shed about 5.4% of its population between the 2020 base and the 2023 estimate. The closest larger place is Sierra Vista, AZ about 47 miles away.
Douglas: the sourced local profile
Here is the sourced Census picture for Douglas, plus the Arizona lending rules that apply to a loan taken out here.
- Population: about 15,638, ranked 37th of 91 places in Arizona (Census Vintage 2023 subcounty estimate).
- Population trend: A drop of about 5.4% from 2020 to 2023.
- Change in people: the 2020-to-2023 comparison is a loss of about 896 residents.
- Size percentile: bigger than about 59% of the places in Arizona, with 15,638 residents in Douglas.
- Density: roughly 1,567 residents per square mile, spread over 10.0 sq mi of land.
- Land area rank: Douglas's 10.0 square miles rank 67th of 91 places in Arizona.
- Share of Arizona: Douglas holds about 0.3% of the state's population, some 15,638 people.
- Nationally: Douglas is the 2,295th-largest of 19,457 Census places in the dataset.
- Growth in Arizona: Douglas stands 89th by percentage change from 2020 to 2023, among 91 places.
- State comparison: Arizona's places average +3.8% for 2020-to-2023, against Douglas's 5.4%.
- Density in Arizona: Douglas ranks 18th by people per square mile.
- Against the state median: Douglas runs about 1,567 residents per square mile, where the Arizona median is 566.
- Location: it lies at 31.3993, -109.5413 in the Census Gazetteer.
- Nearest larger cities: Sierra Vista (47 mi); Nogales (82 mi); Sahuarita (91 mi); Tucson (94 mi); Oro Valley (110 mi). Any of them may have more branches, but statewide rules and your credit still set the price.
- Smaller places close by: Bisbee (23 mi); Tombstone (39 mi); Huachuca City (50 mi).
- Within a 50-mile radius: 3 smaller Census places.
- Larger places within 100 miles: 4.
How personal loans work in Douglas
Douglas is a small town of about 15,638 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. Two numbers drive a Douglas loan: the APR, which includes fees, and the term, which decides how long you keep paying. Shortening the term on a Douglas loan raises the monthly payment but cuts the interest; lengthening it does the reverse.
Lender access in Douglas
Douglas is a moderately settled community of about 15,638 people, with 1 larger places inside a 50-mile radius. Lenders licensed in Arizona reach Douglas's 15,638 residents online, so the nearest branch is not what sets your APR. For a larger market, the closest option is Sierra Vista, AZ about 47 miles away.
Douglas: area, density and distance
Inside Douglas's boundaries lie about 10.0 square miles of land, with no significant water area recorded. Spread across it are roughly 1,567 residents per square mile. For the state's biggest city, Phoenix, the distance is roughly 211 miles. Douglas has 1 larger places within a 50-mile radius. Within the same 50 miles lie 3 smaller Census places.
Douglas in state context
Douglas is the 37th-largest of 91 Census places in Arizona and contains about 0.3% of the state's people. On the 2020-to-2023 trend, Douglas stands 89th among Arizona's 91 places — roughly the 2th percentile. By density, at about 1,567 people per square mile, it ranks 18th in Arizona. Within 50 miles sit 3 smaller Census places, alongside the 1 that are larger.
What Arizona law requires in Douglas
When Arizona does not publish a figure, the row links to the source instead of inventing a number; Douglas is bound by the same rules.
| 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 |
| 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 |
Common questions
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Nearby places
- Bisbee, AZ — population 4,994
- Tombstone, AZ — population 1,312
- Sierra Vista, AZ — population 44,431
- Huachuca City, AZ — population 1,600
- Willcox, AZ — population 3,202
- Benson, AZ — population 5,337
- Patagonia, AZ — population 789
- Lordsburg, NM — population 2,203