Personal loans in San Luis, AZ
The roughly 37,966 people who live in San Luis borrow under Arizona rules; city hall sets no personal-loan rate.
To lend to San Luis's 37,966 residents, a company must hold a Arizona licence, and each sourced row below names the regulator behind it. San Luis ranks 27th of 91 places in Arizona, with a population near 37,966. For a community of about 37,966, the practical step is to compare APR across at least three lenders before committing. Census figures put the 2020-to-2023 increase in San Luis at about 7.6%. The closest larger city is Yuma, AZ about 12 miles away.
San Luis: the sourced local profile
Here is the sourced Census picture for San Luis, plus the Arizona lending rules that apply to a loan taken out here.
- Population: about 37,966, ranked 27th of 91 places in Arizona (Census Vintage 2023 subcounty estimate).
- Population trend: Roughly 7.6% more residents than the 2020 Census counted.
- Absolute change: 2,685 residents added between 2020 and 2023.
- Size percentile: bigger than about 70% of the places in Arizona, with 37,966 residents in San Luis.
- Population density: about 1,123 people per square mile across 33.8 square miles of land (Census Gazetteer area, Vintage 2023 population).
- Land area rank: San Luis's 33.8 square miles rank 41st of 91 places in Arizona.
- Water: San Luis holds about 0.07 square miles, the 30th-largest water area in Arizona.
- Within Arizona: about 0.6% of the state's population lives in San Luis.
- National rank: San Luis is the 1,058th most populous of the 19,457 Census places covered here.
- Growth rank: San Luis's 2020-to-2023 change ranks 18th of 91 places in Arizona.
- State comparison: Arizona's places average +3.8% for 2020-to-2023, against San Luis's 7.6%.
- Density rank: San Luis places 29th among Arizona's places by people per square mile.
- Density vs Arizona: San Luis's 1,123 people per square mile compare with a state median of 566.
- Location: mapped by the US Census Bureau at 32.4857, -114.7219.
- Nearest larger cities: Yuma (12 mi); Calexico (47 mi); El Centro (53 mi); Coachella (117 mi). A bigger neighbour may offer more branches; the rate you see still follows your credit, not your address.
- Nearest smaller towns: Somerton (8 mi); Wellton (31 mi); Holtville (44 mi).
- Smaller neighbours: 3 places smaller than San Luis sit within 50 miles.
- Within 100 miles: 3 places are larger than San Luis.
What a San Luis borrower is actually offered
In San Luis, a smaller city of about 37,966, the amount is advanced up front and repaid in fixed installments; the city's size does not change the pricing. Two numbers drive a San Luis loan: the APR, which includes fees, and the term, which decides how long you keep paying. A longer term lowers the monthly payment on a San Luis loan but raises total interest, so the smallest payment is not the cheapest loan.
Arizona consumer-lending rules applied in San Luis
Read the table as a lender's compliance picture for San Luis: the rule, the sourced figure, the publisher and the date.
| 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 |
| 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 |
| Consumer lender loan rate caps (§ 6-632) | Consumer loans: 36% per year on principal up to $3,000; for larger loans, 36% on the first $3,000 and 24% above $3,000 Source says: "a consumer loan rate of thirty-six per cent"; "a consumer loan rate of twenty-four per cent on that part of the principal amount greater than three thousand dollars". | Arizona State Legislature — A.R.S. § 6-632 as of 2026-09-16 |
Getting a loan in San Luis
At roughly 1,123 people per square mile, San Luis is moderately settled; 2 larger places lie within 50 miles. Distance to a branch rarely matters for San Luis's 37,966 residents: the application is online and the price follows your credit file. The nearest bigger place is Yuma, AZ about 12 miles away.
How San Luis compares across Arizona
San Luis is the 27th-largest of 91 Census places in Arizona and contains about 0.6% of the state's people. On the 2020-to-2023 trend, San Luis stands 18th among Arizona's 91 places — roughly the 80th percentile. Its roughly 1,123 residents per square mile place it 29th among Arizona's places. Between 2020 and 2023 the count changed by roughly 2,685 residents.
Where San Luis sits
San Luis covers about 33.8 square miles of land, with 0.07 square miles of water inside its boundaries (Census Gazetteer). With 37,966 residents, the land area yields roughly 1,123 people per square mile. The largest place in Arizona, Phoenix, lies about 170 miles away. Counting outward 50 miles, 2 larger communities surround San Luis. Within the same 50 miles lie 3 smaller Census places.
Common questions
What are my options in San Luis if my credit is poor?
What loan size can I expect in San Luis?
Do I have to pledge anything to borrow in San Luis?
Does comparing loans in San Luis cost me credit score points?
Nearby places
- Somerton, AZ — population 14,594
- Yuma, AZ — population 100,858
- Wellton, AZ — population 2,572
- Holtville, CA — population 5,555
- Calexico, CA — population 38,224
- El Centro, CA — population 43,772
- Imperial, CA — population 21,591
- Brawley, CA — population 27,849