Personal loans in Quartzsite, AZ
Consumer lending that reaches Quartzsite's 2,389 residents is governed by Arizona statute; no city ordinance changes it.
Quartzsite is a small community in Arizona, with an estimated 2,389 residents, and every licensed lender here follows the same state rulebook. Quartzsite is one of 91 Census places in Arizona; its 2,389 residents put it at 77th. Quartzsite lost roughly 0.9% of its population across the 2020-to-2023 comparison. Get pre-qualified with several lenders, then compare APR rather than the headline rate for a Quartzsite loan. The next larger city is Blythe, CA about 23 miles away.
Borrowing in Quartzsite: the local picture
Most of what governs a Quartzsite loan is written in Arizona law rather than in the city; the sourced notes below make that split concrete.
- Population: 2,389 people, a figure that places Quartzsite 77th among the 91 Census places in Arizona (US Census Bureau, Vintage 2023).
- Population trend: A loss of roughly 0.9% between 2020 and 2023.
- Absolute change: 22 residents lost between 2020 and 2023.
- Size percentile: with 2,389 residents, Quartzsite is larger than about 15% of Arizona's Census places.
- Land and density: 36.3 square miles of land carry roughly 66 residents per square mile.
- Land area: Quartzsite covers 36.3 square miles, the 38th-largest area among Arizona's 91 places.
- State share: roughly 0.0% of Arizona's residents live in Quartzsite (2,389 people).
- National standing: Quartzsite ranks 7,002nd of 19,457 US places.
- Growth rank: Quartzsite's 2020-to-2023 change ranks 71st of 91 places in Arizona.
- Versus Arizona: the state average change is +3.8%, while Quartzsite moved 0.9%.
- Density rank: Quartzsite is the 88th most densely settled place in Arizona.
- Density in context: Quartzsite's 66 people per square mile sit against a Arizona median of 566.
- Location: 33.6675, -114.2170 (US Census Bureau Gazetteer).
- Nearest larger cities: Blythe (23 mi); Parker (25 mi); Lake Havasu City (58 mi); Wellton (71 mi); Somerton (79 mi). Living near a larger metro rarely changes what is available in Quartzsite.
- Nearest smaller towns: Westmorland (92 mi); Gila Bend (99 mi).
- Smaller neighbours: 0 places smaller than Quartzsite sit within 50 miles.
- At 100 miles: 15 larger Census places fall inside that radius.
Where Quartzsite sits
The Census Gazetteer records about 36.3 square miles of land within Quartzsite, with no significant water area listed. Spread across it are roughly 66 residents per square mile. Phoenix, the largest place in Arizona, is about 123 miles from Quartzsite. A 50-mile radius around Quartzsite takes in 2 places that are larger. Within the same 50 miles lie 0 smaller Census places.
Quartzsite's place among Arizona's 91 places
Among Arizona's 91 places, Quartzsite sits at 77th for population, a share of roughly 0.0% of the state. For population change between 2020 and 2023, Quartzsite ranks 71st of 91 in Arizona (about the 22th percentile). At about 66 people per square mile, Quartzsite is the 88th most densely settled place in Arizona. In land area, Quartzsite ranks 38th among Arizona's 91 places.
How personal loans work in Quartzsite
Quartzsite is a small community of about 2,389 people, and the personal loans written here are mostly unsecured — no collateral, so the lender leans on your credit file. Federal Truth in Lending rules require a Quartzsite lender to disclose the APR and finance charge before you sign. Shortening the term on a Quartzsite loan raises the monthly payment but cuts the interest; lengthening it does the reverse.
Borrowing reach in Quartzsite
Quartzsite is a sparsely settled community of about 2,389 people, with 2 larger places inside a 50-mile radius. Lenders licensed in Arizona reach Quartzsite's 2,389 residents online, so the nearest branch is not what sets your APR. The nearest larger city, Blythe, CA about 23 miles away.
Which Arizona laws govern a loan in Quartzsite
Below are the Arizona rules that apply to a loan made in Quartzsite, each with the regulator that issued it.
| 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
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Nearby places
- Parker, AZ — population 3,400
- Blythe, CA — population 18,045
- Lake Havasu City, AZ — population 59,257
- Wellton, AZ — population 2,572
- Somerton, AZ — population 14,594
- Yuma, AZ — population 100,858
- Needles, CA — population 4,824
- San Luis, AZ — population 37,966