Arizona Best Personal Loan Rates - October 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Arizona personal loan rates range from 5.79% to 17.99% APR, verified by MonitorBankRates as of October 1, 2026. Current personal loan options available to borrowers in Arizona include: Mayo Employees Federal Credit UnionMayo Employees Federal Credit Union5777 E Mayo Blvd, Phoenix, AZ, 85054A+5.0 ★Texas Ratio: 0.16% offering Solar Loan at 5.79% APR, District #6 Federal Credit UnionDistrict #6 Federal Credit Union2335 S Ellis St, Chandler, AZ, 85286 6701A+5.0 ★Texas Ratio: 3.29% offering Unsecured Loan at 6.75% APR, Interfaith Federal Credit UnionInterfaith Federal Credit Union1550 E Meadowbrook Ave Ste B, Phoenix, AZ, 85014 4040A+5.0 ★Texas Ratio: 1.52% offering Debt Consolidation Loan at 7.99% APR, Marisol Federal Credit UnionMarisol Federal Credit Union1515 W Roosevelt St, Phoenix, AZ, 85007 2034A+5.0 ★Texas Ratio: 2.21% offering Energy Efficient/Solar Loans at 7.99% APR, and Southeastern Arizona Federal Credit UnionSoutheastern Arizona Federal Credit Union1600 N Pan American Ave, Douglas, AZ, 85607A+5.0 ★Texas Ratio: 1.57% offering Unsecured Loans at 8.45% APR. Personal loan rates as of October 1, 2026 according to verified data from MonitorBankRates.
Use the tabs below to compare personal loan rates across Arizona side-by-side. Arizona personal loan rates currently start as low as 5.79% APR from Mayo Employees Federal Credit Union at 5777 E Mayo Blvd, Phoenix, AZ, 85054. Rates are continually updated, so we recommend checking back frequently.
We empower borrowers with transparent, proprietary financial health metrics, including A-F Safety Grades, verified Star Ratings, and Texas Ratios, so you can confidently borrow from a stable, highly-rated institution in Arizona.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Arizona. Rates shown are typically “as low as” APRs for borrowers with excellent credit. Your final approved rate will depend on your credit history, credit score, income, and loan amount. Personal Loan Rates Last Updated and Verified: October 1, 2026
Arizona Personal Loan Rates
Term: 5, 10 and 15 year fixed rate; Rate is dependent on credit history; Available in all states except for Hawaii and Alaska
- Sep 29, 20265.79%▼ from 7.99%
- Sep 21, 20267.99%first recorded
No additional details available.
Promotional rate available from September 1 to December 31, 2026. Limit one per member. Existing loans must be paid in full through refinance. Automatic payments and direct deposit into an IFCU checking account are required.
Credit Score: 725+
Term: 5, 10 and 15 year fixed rate; Rates as low as:; Rate is dependent on credit history; Available in all states except for Hawaii and Alaska
Credit Score: 725+
As Low As
Credit Score: 725+
As Low As
As Low As; Personal Loan rates range from 8.74% to 18.00% APR.
No additional details available.
As Low As
No additional details available.
As low as; APR*
Published APR range: 9.00% to 17.00%.
Maximum Loan amount is $20,000.00, term is based on amount borrowed.
No additional details available.
Published APR range: 9.24% - 18.00%. Based on income and ability to repay**
As low as
Fixed APR as low as; All loans subject to credit approval. Rates subject to change without notice. Rates and term subject to credit qualification. Rates displayed are the lowest rates available for Tier 1 credit, including a discount for automatic payment from a Northrop Grumman Federal Credit Union checking or savings account.
As Low As:; **
As low as
No additional details available.
$500 - $30,000
As low as; Rates and terms are based on creditworthiness and subject to change. Additional conditions may apply. See credit union for details.
Actual rate will be determined by your Experian FICO 2 Credit Score.
Published APR range: 9.99% - 16.99%*. All lending offers are subject to credit approval. Actual rates may vary depending on term of loan, amount financed, age of vehicle/equipment and personal credit history. Rates quoted are subject to change. Some restrictions may apply. Equal Opportunity Lender.
Published APR range: 10.00%-19.50%. May qualify for additional APR discounts not to exceed 2.00%. Discounts subject to change.
Maximum term 48 months; Interest Rates Are Based On Approved Credit On Scores 675-750
*The annual percentage rates (APR) listed are our best rates. Your rate and/or term may vary depending on credit history and underwriting criteria. A 6-month loan for $2,500 at 10.04% APR would be a payment of $428.95 per month. Rates updated daily.
No additional details available.
No additional details available.
As Low As; Personal Loan rates range from 8.74% to 18.00% APR.
No additional details available.
*The annual percentage rates (APR) listed are our best rates. Your rate and/or term may vary depending on credit history and underwriting criteria. A 36-month loan for $2,500 at 10.74% APR would be a payment of $81.54 per month. Rates updated daily.
No additional details available.
Published APR range: 10.99% - 19.99%. Personal Line of Credit (PLC) / Signature Loans
Published APR range: 10.99% - 25.74%. Fixed; (Dental, Jewelry, Weddings, Debt Consolidation, etc.)
As low as:
As low as
As Low As
As Low As
No additional details available.
As Low As:
No additional details available.
*The annual percentage rates (APR) listed are our best rates. Your rate and/or term may vary depending on credit history and underwriting criteria. A 72-month loan for $2,500 at 11.64% APR would be a payment of $48.41 per month. Rates updated daily.
As Low As
Additional APR listed for this product: 13.24%. Loan Amount: $500.00 - $25,000.00
As Low As:
$2,500 - $30,000
No additional details available.
*The annual percentage rates (APR) listed are our best rates. Your rate and/or term may vary depending on credit history and underwriting criteria. A 84-month loan for $2,500 at 12.14% APR would be a payment of $44.32 per month. Rates updated daily.
The Annual Percentage Rates (APRs) listed are the lowest offered. Terms displayed are the longest available. However, rates and terms displayed do not necessarily equal all rate/term combinations. Your rate may be higher depending on credit history and underwriting criteria. Rates and terms are accurate as of Monday, July 06, 2026, and are subject to change. Consumer loans have a maximum 18% APR. Late fees and other charges may apply. Refer to your loan documents for details. Membership, eligibility & conditions are required.
As Low As
No additional details available.
As Low As:
Published APR range: 12.99% - 18.00%.
As Low As
No additional details available.
Unlimited 1% Cash Back Signature Card
Published APR range: 14.25% - 16.25%. Rates Effective July 1, 2026.
As Low As
No additional details available.
As Low As
Fixed
Unlimited 1.5% Cash Back Signature Card
Arizona Personal Loan Rates
As Low As; Personal Loan rates range from 8.74% to 18.00% APR.
Maximum Loan amount is $20,000.00, term is based on amount borrowed.
Actual rate will be determined by your Experian FICO 2 Credit Score.
No additional details available.
As Low As; Personal Loan rates range from 8.74% to 18.00% APR.
Published APR range: 10.99% - 25.74%. Fixed; (Dental, Jewelry, Weddings, Debt Consolidation, etc.)
As low as:
As Low As
No additional details available.
As Low As:
As Low As
Additional APR listed for this product: 13.24%. Loan Amount: $500.00 - $25,000.00
As Low As:
No additional details available.
The Annual Percentage Rates (APRs) listed are the lowest offered. Terms displayed are the longest available. However, rates and terms displayed do not necessarily equal all rate/term combinations. Your rate may be higher depending on credit history and underwriting criteria. Rates and terms are accurate as of Monday, July 06, 2026, and are subject to change. Consumer loans have a maximum 18% APR. Late fees and other charges may apply. Refer to your loan documents for details. Membership, eligibility & conditions are required.
As Low As
No additional details available.
As Low As:
As Low As
No additional details available.
As Low As
As Low As
Arizona Debt Consolidation Loan Rates
Promotional rate available from September 1 to December 31, 2026. Limit one per member. Existing loans must be paid in full through refinance. Automatic payments and direct deposit into an IFCU checking account are required.
No additional details available.
As low as; APR*
As low as
As low as
Arizona Signature Loan Rates
As Low As
No additional details available.
As Low As
As low as; APR*
No additional details available.
Published APR range: 9.24% - 18.00%. Based on income and ability to repay**
Fixed APR as low as; All loans subject to credit approval. Rates subject to change without notice. Rates and term subject to credit qualification. Rates displayed are the lowest rates available for Tier 1 credit, including a discount for automatic payment from a Northrop Grumman Federal Credit Union checking or savings account.
Published APR range: 9.99% - 16.99%*. All lending offers are subject to credit approval. Actual rates may vary depending on term of loan, amount financed, age of vehicle/equipment and personal credit history. Rates quoted are subject to change. Some restrictions may apply. Equal Opportunity Lender.
Published APR range: 10.00%-19.50%. May qualify for additional APR discounts not to exceed 2.00%. Discounts subject to change.
Maximum term 48 months; Interest Rates Are Based On Approved Credit On Scores 675-750
*The annual percentage rates (APR) listed are our best rates. Your rate and/or term may vary depending on credit history and underwriting criteria. A 6-month loan for $2,500 at 10.04% APR would be a payment of $428.95 per month. Rates updated daily.
No additional details available.
*The annual percentage rates (APR) listed are our best rates. Your rate and/or term may vary depending on credit history and underwriting criteria. A 36-month loan for $2,500 at 10.74% APR would be a payment of $81.54 per month. Rates updated daily.
Published APR range: 10.99% - 19.99%. Personal Line of Credit (PLC) / Signature Loans
As low as
*The annual percentage rates (APR) listed are our best rates. Your rate and/or term may vary depending on credit history and underwriting criteria. A 72-month loan for $2,500 at 11.64% APR would be a payment of $48.41 per month. Rates updated daily.
*The annual percentage rates (APR) listed are our best rates. Your rate and/or term may vary depending on credit history and underwriting criteria. A 84-month loan for $2,500 at 12.14% APR would be a payment of $44.32 per month. Rates updated daily.
Published APR range: 12.99% - 18.00%.
Unlimited 1% Cash Back Signature Card
Published APR range: 14.25% - 16.25%. Rates Effective July 1, 2026.
No additional details available.
Fixed
Unlimited 1.5% Cash Back Signature Card
Arizona Personal Loan Rate Trends
Compare local Arizona personal loan rates against the statewide average
Daily personal loan rate averages tracked across our database of 8,500+ banks and credit unions, updated every evening.
Arizona personal loan rates fell 0.061 points over the past 7 days to 10.610% APR.
Arizona signature loan rates rose 0.046 points over the past 7 days to 10.228% APR.
Arizona Personal Loan Rate Forecast, Next 12 Months
Personal loan APRs follow lender funding costs and credit conditions. Our model projects the likely path of personal and signature loan averages from the current Arizona figures.
Forecast Methodology & Assumptions
Key assumptions: the Federal Reserve holds the federal funds rate at its current level over the next 12 months, with the possibility of one 25 basis point increase; unsecured lenders reprice new offers within one to two policy cycles, and advertised as-low-as rates move before average approved rates do.
Important notice: this forecast is for informational purposes only and should not be used as the sole basis for financial decisions. Rate forecasts carry significant uncertainty. The actual trajectory will depend on Federal Reserve decisions, economic conditions, and competitive dynamics among financial institutions.
What Would Your Monthly Payment Be?
Estimated monthly payments at the current AZ average personal loan APR of 10.61%, across the terms lenders serving Arizona most commonly offer. Personal loans are fixed-rate and fully amortizing, so the payment never changes and the balance reaches zero on schedule.
| Loan Amount | 24 Months | 36 Months | 48 Months | 60 Months |
|---|---|---|---|---|
| $5,000 | $232.14/mo | $162.77/mo | $128.28/mo | $107.74/mo |
| $10,000 | $464.27/mo | $325.55/mo | $256.57/mo | $215.49/mo |
| $15,000 | $696.41/mo | $488.32/mo | $384.85/mo | $323.23/mo |
| $25,000 | $1,160.68/mo | $813.86/mo | $641.42/mo | $538.72/mo |
| $35,000 | $1,624.95/mo | $1,139.41/mo | $897.99/mo | $754.20/mo |
Principal and interest only. Does not include any origination fee, which some lenders deduct from your loan proceeds. Your APR depends on credit score, income, loan amount, term, and lender underwriting.
Consolidating Credit Card Debt in Arizona
Debt consolidation is the most common reason people take a personal loan, and the math is usually straightforward: credit cards carry variable double-digit APRs, while a personal loan locks in a fixed rate and a fixed payoff date. Below is the total interest on a $15,000 balance repaid over 48 months at the AZ personal loan average versus a range of typical credit card APRs.
| Repayment Option | APR | Monthly Payment | Total Interest | Interest Saved |
|---|---|---|---|---|
| Personal Loan (AZ average) | 10.61% | $384.85 | $3,473 | |
| Credit card at 18% APR | 18.00% | $440.62 | $6,150 | $2,677 |
| Credit card at 22% APR | 22.00% | $472.59 | $7,684 | $4,212 |
| Credit card at 26% APR | 26.00% | $505.76 | $9,276 | $5,804 |
The 18%, 22%, and 26% figures are illustrative points across the range card issuers commonly charge, not a published average. Check your own statement for your actual APR, then use the calculator below to run your real numbers. This comparison assumes a fixed 48-month payoff in both cases; paying only the card minimum would stretch the timeline and raise interest substantially. Consolidation only helps if you avoid rebuilding a balance on the paid-off cards.
How to Get the Best Personal Loan Rate in Arizona
Prequalify With a Soft Credit Check
Most lenders serving Arizona will show you an estimated APR using a soft inquiry that does not touch your credit score. Prequalify with several before formally applying. The advertised rate is the best-qualified rate, and the number you personally receive can differ by many percentage points.
Compare APR, Not the Interest Rate
Origination fees run as high as 10% of the amount borrowed and come straight out of your proceeds, so a loan with a lower interest rate can cost more than one with a higher rate and no fee. APR folds the fee in, which makes it the only number worth comparing across lenders.
Check Local Credit Unions First
Credit unions consistently publish the lowest personal loan APRs in our Arizona data, and many charge no origination fee. Membership is usually easier than expected; many accept anyone who lives, works, or worships in the area. Federal credit unions are also capped by regulation on what they may charge.
Borrow Only What You Need, for as Short a Term as You Can
Lenders often price longer terms at higher APRs, so a 60-month loan can cost more per dollar borrowed than a 36-month loan on top of accruing interest for longer. Take the shortest term whose payment comfortably fits your budget, and resist rounding the amount up.
- Buying a vehicle? A secured Arizona auto loan will almost always beat an unsecured personal loan
- Home improvements and you have equity? Compare home equity rates, though your home becomes collateral
- Not urgent? Building the money in a Arizona high-yield savings account costs nothing and earns interest instead of paying it
Arizona Financial Snapshot
Local demographics and economic context for borrowers. Source: U.S. Census Bureau
A $385 monthly loan payment is roughly 10.2% of the median individual income in Arizona. Lenders generally want your total monthly debt payments, including housing, to stay under roughly 36% of gross income, so consider the new payment alongside everything you already owe.
Personal Loan vs. Other Ways to Borrow
A personal loan is fast and requires no collateral, but it is not always the cheapest way to borrow. Here is how it compares to the main alternatives available to borrowers in Arizona.
| Feature | Personal Loan | Credit Card | 0% Balance Transfer | Home Equity Loan / HELOC |
|---|---|---|---|---|
| Typical APR Level | ● Mid, fixed | ✗ Highest, variable | ✓ 0% for a promo window | ✓ Usually lowest |
| Collateral Required | ✓ None | ✓ None | ✓ None | ✗ Your home is at risk |
| Payment Predictability | ✓ Fixed payment and payoff date | ✗ Revolving, can last indefinitely | ● Rate jumps when promo ends | ● Fixed for loans, variable for HELOCs |
| Speed to Funding | ✓ Often 1 to 3 business days | ✓ Immediate if you hold the card | ● Card approval plus transfer time | ✗ Weeks (appraisal and closing) |
| Upfront Costs | ● Origination fee up to ~10% | ✓ None | ● Transfer fee, typically 3 to 5% | ● Closing costs possible |
| Best For | Consolidation and one-off costs, no collateral | Small balances paid in full monthly | Debt you can clear inside the promo window | Large projects when you have equity and time |
General comparison for educational purposes; terms, eligibility, and pricing vary by lender and borrower credit profile. Borrowing against your home converts unsecured debt into secured debt; missed payments can put the property at risk. MonitorBankRates is not a lender or financial advisor.
Personal Loan Payment Calculator
Estimate your monthly payment, total interest, and what an origination fee actually costs you. We’ve prefilled the APR with the current AZ average, or click any rate on the right to apply it instantly.
Estimates assume a fixed-rate, fully amortizing loan with equal monthly payments and no prepayment. “Cash you actually receive” subtracts any origination fee deducted from proceeds; you still repay, and pay interest on, the full loan amount. Advertised APRs typically require strong credit; your approved rate may differ. This tool is for illustration and is not a loan offer.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Arizona personal loan rate tables are free for consumers to use, and we do not receive payment from any lender to be included or to be ranked in any particular order. Listings are based solely on the rates each lender publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified Personal Loan Rate Data: We aggregate personal loan rates for Arizona directly from the official websites of banks, credit unions, and online lenders using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the institutions’ own digital properties and verifying APRs regularly, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available personal loan products in Arizona. We feature a comprehensive mix of lenders, from neighborhood credit unions and competitive regional banks to large national lenders available to borrowers in AZ.
Regularly Updated APRs: Our rate updaters verify and update personal loan rates regularly. Because APRs can change based on market conditions and lender policies, every product features its own “last updated” date for full transparency. Personal loan APRs shown typically represent “as low as” rates for borrowers with excellent credit; your actual rate will depend on your credit history, credit score, income, and loan amount.
Personal Loans for Bad Credit in Arizona
A FICO score below 580 is considered poor and 580 to 669 is fair. You can still get a personal loan with bad credit, but expect an APR well above the best rates on this page, a smaller loan amount, or a request for collateral or a cosigner. Where you apply matters as much as your score.
Start With a Credit Union
Federal credit unions cannot charge more than 18% APR on most loans through September 10, 2027. Many weigh your income and membership history, not just your score.
Ask About a Payday Alternative Loan
Many federal credit unions offer PALs for small, short term needs, capped at 28% APR with an application fee of no more than $20. That is a fraction of what a payday lender charges.
Secure the Loan With Savings
A share secured or CD secured loan uses your own savings as collateral, so approval is easy and the APR is low. On time payments are reported to the credit bureaus and help rebuild your score.
Add a Cosigner or Co-borrower
A second applicant with stronger credit can lower your rate and raise the amount you qualify for. They are equally responsible for every payment.
Prequalify Before You Apply
Most lenders show an estimated rate with a soft credit check that does not affect your score. Compare APRs, including any origination fee, before you submit a full application.
Avoid Payday and Title Loans
The CFPB notes a typical payday fee of $15 per $100 equals an APR of almost 400% on a two week loan. A title loan puts your car at risk. A credit union loan costs far less.
Frequently Asked Questions
What credit score do I need for a personal loan in Arizona?
What is the difference between secured and unsecured personal loans?
Can I use a personal loan for debt consolidation in Arizona?
Are credit unions or banks better for personal loans in Arizona?
What is an origination fee on a personal loan?
Does checking personal loan rates hurt my credit score?
Can I pay off a personal loan early?
Can I get a personal loan with bad credit in Arizona?
What is the maximum APR on a bad credit personal loan from a credit union?
What are the best personal loan rates in Arizona?
- Mayo Employees Federal Credit Union: 5.79% (Solar Loan)
- District #6 Federal Credit Union: 6.75% (Unsecured Loan)
- Interfaith Federal Credit Union: 7.99% (Debt Consolidation Loan)
- Marisol Federal Credit Union: 7.99% (Energy Efficient/Solar Loans)
- Southeastern Arizona Federal Credit Union: 8.45% (Unsecured Loans)
