Personal loans in Eloy, AZ

The 2020 count to the 2023 estimate shows about 18.6% growth in Eloy. Judge Eloy offers on total cost, not on how quickly the money arrives. State law, rather than federal rules alone, supplies the rate caps and licensing rules that reach Eloy's 18,528 residents. The closest larger place is Casa Grande, AZ about 15 miles away.

Borrowing in Eloy: the local picture

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

• Population: 18,528 residents; Eloy is the 34th-largest of 91 places in Arizona (US Census Bureau, Vintage 2023).
• Population trend: Higher by roughly 18.6% since the 2020 count.
• Net change: roughly 2,900 more people than the 2020 Census counted.
• Size percentile: about 63% of Arizona's Census places are smaller than Eloy.
• Density: roughly 162 residents per square mile, spread over 114.7 sq mi of land.
• Land area rank: Eloy's 114.7 square miles rank 11th of 91 places in Arizona.
• Water area: Eloy has 0.07 square miles of water, ranking 32nd of 91 places in Arizona.
• State population share: Eloy accounts for about 0.3% of everyone in Arizona.
• Nationally: Eloy is the 2,012th-largest of 19,457 Census places in the dataset.
• Growth in Arizona: Eloy stands 6th by percentage change from 2020 to 2023, among 91 places.
• State comparison: Arizona's places average +3.8% for 2020-to-2023, against Eloy's 18.6%.
• Density rank: Eloy places 76th among Arizona's places by people per square mile.
• Against the state median: Eloy runs about 162 residents per square mile, where the Arizona median is 566.
• Location: the Census Gazetteer records it at 32.7413, -111.5940.
• Nearest larger cities: Casa Grande (15 mi); Florence (25 mi); Maricopa (31 mi); Marana (33 mi); Queen Creek (34 mi). A bigger neighbour may offer more branches; the rate you see still follows your credit, not your address.
• Nearest smaller towns: Coolidge (14 mi); Kearny (45 mi); Superior (46 mi) — useful context for the surrounding area.
• Within a 50-mile radius: 4 smaller Census places.
• Larger places within 100 miles: 23.

Where Eloy sits

Eloy's land area is about 114.7 square miles; a further 0.07 square miles is water. That land carries about 162 people per square mile. The state's population centre of gravity, Phoenix, is roughly 64 miles away. A 50-mile radius around Eloy takes in 11 places that are larger. The 100-mile radius contains 23 larger places.

Eloy's place among Arizona's 91 places

Among Arizona's 91 places, Eloy sits at 34th for population, a share of roughly 0.3% of the state. For population change between 2020 and 2023, Eloy ranks 6th of 91 in Arizona (about the 93th percentile). Its roughly 162 residents per square mile place it 76th among Arizona's places. Within 50 miles sit 4 smaller Census places, alongside the 11 that are larger.

What to do before borrowing in Eloy

For Eloy's roughly 18,528 residents, these are the steps that most influence the offer:

1. Check all three credit reports for mistakes, because an error you fix now is a lower rate later.
2. Model the payment on the calculator before a lender models it for you.
3. Line up several pre-qualified offers and let the APR decide.
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. Check the disclosure for fees that raise the true cost above the quoted rate.
7. Make sure the new payment leaves room in a budget you already keep.

None of these steps is Eloy-specific: the same Arizona licensing and disclosure rules reach all 18,528 residents.

The Arizona lending rules that reach Eloy

This table holds the Arizona rate and licensing rules for consumer loans made to Eloy's 18,528 residents.

What shapes a Eloy personal loan

Most loans made to Eloy's 18,528 residents are unsecured, so nothing is pledged and the lender relies on your credit history. A lender serving Eloy's 18,528 residents must disclose the APR and finance charge in writing before you sign. Because the payment is fixed, the total cost of a Eloy loan is knowable in advance — unlike a revolving card balance.