Best Personal Loan Rates in Phoenix, Arizona (AZ) - May 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Current personal loan options available to borrowers in Phoenix, Arizona include: San Diego Firefighters Federal Credit UnionSan Diego Firefighters Federal Credit Union4801 E Thistle Landing Dr, Phoenix, AZ, 85044 6459A+5.0 ★Texas Ratio: 0.97% offering Solar Energy Loan at 5.24% APR, Interfaith Federal Credit UnionInterfaith Federal Credit Union1550 E Meadowbrook Ave Ste B, Phoenix, AZ, 85014 4040A+5.0 ★Texas Ratio: 1.60% offering Church Loans at 7.25% APR, SunWest Federal Credit UnionSunWest Federal Credit Union302 E McDowell Rd Ste 100, Phoenix, AZ, 85004 1541A+5.0 ★Texas Ratio: 3.72% offering Personal Loan at 7.90% APR, Mayo Employees Federal Credit UnionMayo Employees Federal Credit Union5777 E Mayo Blvd, Phoenix, AZ, 85054A+5.0 ★Texas Ratio: 0.10% offering Solar Loan at 7.99% APR, and Sharefax Credit UnionSharefax Credit Union615 N 48th St, Phoenix, AZ, 85008 6608A+5.0 ★Texas Ratio: 4.21% offering Signature Loan at 8.75% APR. Personal loan rates as of May 12, 2026 according to verified data from MonitorBankRates.
Phoenix has 17 local institutions in our database, with personal loan rates as low as 5.24% APR from San Diego Firefighters Federal Credit Union at 4801 E Thistle Landing Dr, Phoenix, AZ, 85044 6459. Use the tabs below to compare all available personal loan types. Rates are continually updated — 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 Phoenix, Arizona.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Phoenix, 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: May 12, 2026
As Low As; Up to 60 Months
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over $250,000; As Low As; 5 year adjustable - 30 year term, due in 15 years
up to $250,000; As Low As; 10 year fixed
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As Low As; Up to 240 Months
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As Low As; Including Debt Consolidation
As Low As; Maximum Loan amount is $20,000.00, term is based on amount borrowed.
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As Low As; Take control of your financial journey with our competitive You-Name-It Personal LoanTM, with rates as low as 9.99% APR, this is a great option for whatever you need to spend!
Minimum $1000, Maximum $50,000
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As Low As; Variable Rate
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Fixed
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Minimum $1000, Maximum $50,000
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Minimum $1000, Maximum $50,000
$1,000; As Low As
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Minimum $1000, Maximum $50,000
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Minimum $1000, Maximum $50,000
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Use the money in your account as Collateral for a loan
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As Low As; Maximum loan amount $3,000 with a maximum term of 12 months. Payment sample: 12 monthly payments of $86.63/$1,000 borrowed.
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As Low As; Terms from 6 to 60 months
As Low As; Qualifying balance up to $20,000.00
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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. Rates updated daily.
No additional details available.
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. Rates updated daily.
As Low As
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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. Rates updated daily.
As Low As; Terms up to: 60 months
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. Rates updated daily.
As Low As; Fixed
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DIRECT DEPOSIT REQUIRED; APPLICATION FEE: $20.00
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As Low As; Maximum Loan amount is $20,000.00, term is based on amount borrowed.
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As Low As; Take control of your financial journey with our competitive You-Name-It Personal LoanTM, with rates as low as 9.99% APR, this is a great option for whatever you need to spend!
As Low As
Fixed
As Low As; Variable Rate
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As Low As; Terms from 6 to 60 months
As Low As; Terms up to: 60 months
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As Low As; Including Debt Consolidation
Minimum $1000, Maximum $50,000
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Minimum $1000, Maximum $50,000
Minimum $1000, Maximum $50,000
$1,000; As Low As
Minimum $1000, Maximum $50,000
Minimum $1000, Maximum $50,000
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As Low As; Maximum loan amount $3,000 with a maximum term of 12 months. Payment sample: 12 monthly payments of $86.63/$1,000 borrowed.
No additional details available.
No additional details available.
As Low As
No additional details available.
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. Rates updated daily.
No additional details available.
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. Rates updated daily.
As Low As
No additional details available.
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. Rates updated daily.
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. Rates updated daily.
No additional details available.
No additional details available.
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Phoenix, AZ Personal Loan Rate Trends
Compare local Phoenix, AZ 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 0.512 points over the past 7 days to 11.855% APR.
Arizona signature loan rates rose 0.095 points over the past 7 days to 12.029% APR.
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 Phoenix, Arizona?
What are the best personal loan rates in Phoenix, Arizona?
- San Diego Firefighters Federal Credit Union: 5.24% (Solar Energy Loan)
- Interfaith Federal Credit Union: 7.25% (Church Loans)
- SunWest Federal Credit Union: 7.90% (Personal Loan)
- Mayo Employees Federal Credit Union: 7.99% (Solar Loan)
- Sharefax Credit Union: 8.75% (Signature Loan)
Personal Loan Calculators
