Best Personal Loan Rates in Phoenix, Arizona (AZ) - March 2026
Content reviewed by
Brian McKay
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Editorial Disclosure
Brian McKay
Brian McKay
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of local and national lenders actively lending to Arizona borrowers. Note that your final approved personal loan rate will depend on your specific credit profile, loan amount, and loan term.
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 Saving Loan at 5.24% APR, Copper State Credit UnionCopper State Credit Union15458 N 28th Ave, Phoenix, AZ, 85053A5.0 ★Texas Ratio: 7.57% offering Pool Loan at 5.75% APR, USAA Federal Savings BankUSAA Federal Savings Bank1 Norterra Dr, Phoenix, AZ, 85085A-5.0 ★Texas Ratio: 14.77% offering VA Interest Rate Reduction Refinance Loan (IRRRL) at 6.00% APR, Banner Federal Credit UnionBanner Federal Credit Union9321 W Thomas Rd, Phoenix, AZ, 85037 3389A+5.0 ★Texas Ratio: 1.93% offering Loan at 6.50% APR, and Marisol Federal Credit UnionMarisol Federal Credit Union1515 W Roosevelt St, Phoenix, AZ, 85007 2034A+5.0 ★Texas Ratio: 1.38% offering Loan Amount at 6.75% APR. Personal loan rates as of March 25, 2026 according to verified data from MonitorBankRates.
Whether you need to consolidate high-interest debt, fund a home improvement project, or cover an unexpected expense, comparing personal loan rates across top-rated lenders in Phoenix, Arizona can save you significantly over the life of your loan.
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: March 25, 2026
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
San Diego Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.97%
4801 E Thistle Landing Dr, Phoenix, AZ, 85044 6459
Solar & Energy Saving Loan
5.24%
▼
APR5.24%
Last UpdatedMarch 26, 2026
Details
As Low As; Maximum Loan Amount $125,000
Copper State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
15458 N 28th Ave, Phoenix, AZ, 85053
Pool Loan
5.75%
▼
APR5.75%
Last UpdatedMarch 26, 2026
Details
?80% LTV
Copper State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
15458 N 28th Ave, Phoenix, AZ, 85053
Pool Loan
6.00%
▼
APR6.00%
Last UpdatedMarch 26, 2026
Details
?80% LTV
USAA Federal Savings Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.77%
1 Norterra Dr, Phoenix, AZ, 85085
VA Interest Rate Reduction Refinance Loan (IRRRL)
6.00%
▼
APR6.00%
Last UpdatedMarch 26, 2026
Details
Refinance up to 100% of the value of your home. A variety of terms are available. Option to finance the funding fee.
USAA Federal Savings Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.77%
1 Norterra Dr, Phoenix, AZ, 85085
VA Interest Rate Reduction Refinance Loan, or IRRRL
6.00%
▼
APR6.00%
Last UpdatedMarch 26, 2026
Details
No additional details available.
USAA Federal Savings Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.77%
1 Norterra Dr, Phoenix, AZ, 85085
VA purchase loan
6.22%
▼
APR6.22%
Last UpdatedMarch 26, 2026
Details
No additional details available.
San Diego Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.97%
4801 E Thistle Landing Dr, Phoenix, AZ, 85044 6459
Solar & Energy Saving Loan
6.24%
▼
APR6.24%
Last UpdatedMarch 26, 2026
Details
As Low As; Maximum Loan Amount $125,000
Copper State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
15458 N 28th Ave, Phoenix, AZ, 85053
Pool Loan
6.25%
▼
APR6.25%
Last UpdatedMarch 26, 2026
Details
?90% LTV
USAA Federal Savings Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.77%
1 Norterra Dr, Phoenix, AZ, 85085
VA cash-out refinance loan
6.34%
▼
APR6.34%
Last UpdatedMarch 26, 2026
Details
Refinance up to 90% of the value of your home. Option to finance the funding fee.
Banner Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
9321 W Thomas Rd, Phoenix, AZ, 85037 3389
Loan
6.50%
▼
APR6.50%
Last UpdatedMarch 26, 2026
Details
As Low As
Copper State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
15458 N 28th Ave, Phoenix, AZ, 85053
Pool Loan
6.50%
▼
APR6.50%
Last UpdatedMarch 26, 2026
Details
?100% LTV
Marisol Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
1515 W Roosevelt St, Phoenix, AZ, 85007 2034
Loan Amount
6.75%
▼
APR6.75%
Last UpdatedMarch 26, 2026
Details
up to $50,000
Banner Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
9321 W Thomas Rd, Phoenix, AZ, 85037 3389
Loan
6.75%
▼
APR6.75%
Last UpdatedMarch 26, 2026
Details
As Low As
Copper State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
15458 N 28th Ave, Phoenix, AZ, 85053
Pool Loan
6.75%
▼
APR6.75%
Last UpdatedMarch 26, 2026
Details
?100% LTV
USAA Federal Savings Bank
Institution Rating:
A-5.0 ★Texas Ratio: 14.77%
1 Norterra Dr, Phoenix, AZ, 85085
Low down payment purchase loan
6.96%
▼
APR6.96%
Last UpdatedMarch 26, 2026
Details
No additional details available.
Marisol Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
1515 W Roosevelt St, Phoenix, AZ, 85007 2034
Smart E - Energy Efficient/Solar Loans
6.99%
▼
APR6.99%
Last UpdatedMarch 26, 2026
Details
Credit Score 725+
Marisol Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
1515 W Roosevelt St, Phoenix, AZ, 85007 2034
Appliance and Air Conditioning Loan
6.99%
▼
APR6.99%
Last UpdatedMarch 26, 2026
Details
Credit Score 725+
Banner Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
9321 W Thomas Rd, Phoenix, AZ, 85037 3389
Loan
7.00%
▼
APR7.00%
Last UpdatedMarch 26, 2026
Details
As Low As
Copper State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
15458 N 28th Ave, Phoenix, AZ, 85053
Pool Loan
7.00%
▼
APR7.00%
Last UpdatedMarch 26, 2026
Details
LTV ?100%
San Diego Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.97%
4801 E Thistle Landing Dr, Phoenix, AZ, 85044 6459
Solar & Energy Saving Loan
7.24%
▼
APR7.24%
Last UpdatedMarch 26, 2026
Details
As Low As; Maximum Loan Amount $125,000
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
1550 E Meadowbrook Ave Ste B, Phoenix, AZ, 85014 4040
Faith Organization Loans
7.25%
▼
APR7.25%
Last UpdatedMarch 26, 2026
Details
over $250,000; As Low As; 5 year adjustable - starting at
Banner Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
9321 W Thomas Rd, Phoenix, AZ, 85037 3389
Loan
7.25%
▼
APR7.25%
Last UpdatedMarch 26, 2026
Details
As Low As
Copper State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.57%
15458 N 28th Ave, Phoenix, AZ, 85053
Pool Loan
7.25%
▼
APR7.25%
Last UpdatedMarch 26, 2026
Details
?100% LTV
Marisol Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
1515 W Roosevelt St, Phoenix, AZ, 85007 2034
Smart E Energy Battery Loan - Loans Amounts to $20,000
7.29%
▼
APR7.29%
Last UpdatedMarch 26, 2026
Details
$2,000; Credit Score 725+
Marisol Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
1515 W Roosevelt St, Phoenix, AZ, 85007 2034
Smart E - Energy Efficient/Solar Loans
7.29%
▼
APR7.29%
Last UpdatedMarch 26, 2026
Details
Credit Score 725+
Marisol Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
1515 W Roosevelt St, Phoenix, AZ, 85007 2034
Smart E - Energy Efficient/Solar Loans
7.49%
▼
APR7.49%
Last UpdatedMarch 26, 2026
Details
Credit Score 725+
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
1550 E Meadowbrook Ave Ste B, Phoenix, AZ, 85014 4040
Faith Organization Loans
7.50%
▼
APR7.50%
Last UpdatedMarch 26, 2026
Details
up to $250,000; As Low As; 10 year fixed
Banner Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
9321 W Thomas Rd, Phoenix, AZ, 85037 3389
Loan
7.50%
▼
APR7.50%
Last UpdatedMarch 26, 2026
Details
As Low As
Banner Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
9321 W Thomas Rd, Phoenix, AZ, 85037 3389
Loan
7.75%
▼
APR7.75%
Last UpdatedMarch 26, 2026
Details
As Low As
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
5777 E Mayo Blvd, Phoenix, AZ, 85054
Lot Loan
7.91%
▼
APR7.91%
Last UpdatedMarch 26, 2026
Details
Available in Arizona, FL, Iowa, Minnesota and Wisconsin.
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
5777 E Mayo Blvd, Phoenix, AZ, 85054
Solar Loan
7.99%
▼
APR7.99%
Last UpdatedMarch 26, 2026
Details
As Low As
San Diego Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.97%
4801 E Thistle Landing Dr, Phoenix, AZ, 85044 6459
Solar & Energy Saving Loan
7.99%
▼
APR7.99%
Last UpdatedMarch 26, 2026
Details
As Low As; Maximum Loan Amount $125,000
Banner Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
9321 W Thomas Rd, Phoenix, AZ, 85037 3389
Loan
8.00%
▼
APR8.00%
Last UpdatedMarch 26, 2026
Details
As Low As
Banner Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
9321 W Thomas Rd, Phoenix, AZ, 85037 3389
Loan
8.25%
▼
APR8.25%
Last UpdatedMarch 26, 2026
Details
As Low As
San Diego Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.97%
4801 E Thistle Landing Dr, Phoenix, AZ, 85044 6459
Signature
8.49%
▼
APR8.49%
Last UpdatedMarch 26, 2026
Details
As Low As
Blue Water Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.15%
4801 E Thistle Landing Dr, Phoenix, AZ, 85044 6459
Signature Loans
8.50%
▼
APR8.50%
Last UpdatedMarch 26, 2026
Details
No additional details available.
Banner Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
9321 W Thomas Rd, Phoenix, AZ, 85037 3389
Loan
8.50%
▼
APR8.50%
Last UpdatedMarch 26, 2026
Details
As Low As
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
5777 E Mayo Blvd, Phoenix, AZ, 85054
Lot Loan
8.67%
▼
APR8.67%
Last UpdatedMarch 26, 2026
Details
Available in Arizona, FL, Iowa, Minnesota and Wisconsin.
Blue Water Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.15%
4801 E Thistle Landing Dr, Phoenix, AZ, 85044 6459
Signature Loans
8.75%
▼
APR8.75%
Last UpdatedMarch 26, 2026
Details
No additional details available.
Sharefax Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.21%
615 N 48th St, Phoenix, AZ, 85008 6608
Signature Loan
8.75%
▼
APR8.75%
Last UpdatedMarch 26, 2026
Details
As Low As
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
1550 E Meadowbrook Ave Ste B, Phoenix, AZ, 85014 4040
Signature Loan
8.99%
▼
APR8.99%
Last UpdatedMarch 26, 2026
Details
As Low As; Including Debt Consolidation
Blue Water Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.15%
4801 E Thistle Landing Dr, Phoenix, AZ, 85044 6459
Signature Loans
9.00%
▼
APR9.00%
Last UpdatedMarch 26, 2026
Details
No additional details available.
Florida West Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
4801 E THISTLE LANDING DR, PHOENIX, AZ, 85044
Personal Loan
9.00%
▼
APR9.00%
Last UpdatedMarch 26, 2026
Details
As Low As; Maximum Loan amount is $20,000.00, term is based on amount borrowed.
Blue Water Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.15%
4801 E Thistle Landing Dr, Phoenix, AZ, 85044 6459
Signature Loans
9.25%
▼
APR9.25%
Last UpdatedMarch 26, 2026
Details
No additional details available.
Bankers Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 2.53%
2525 E Camelback Rd, Phoenix, AZ, 85016
Unsecured Loan
9.51%
▼
APR9.51%
Last UpdatedMarch 26, 2026
Details
No additional details available.
Notre Dame Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
4645 N 32nd St Ste 100A, Phoenix, AZ, 85018 3389
Land/Lot Loans 75% LTV (non-platted subdivision)
9.87%
▼
APR9.87%
Last UpdatedMarch 26, 2026
Details
No additional details available.
Notre Dame Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
4645 N 32nd St Ste 100A, Phoenix, AZ, 85018 3389
Land/Lot Loans 80% LTV (platted subdivision)
9.87%
▼
APR9.87%
Last UpdatedMarch 26, 2026
Details
No additional details available.
SunWest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
302 E McDowell Rd Ste 100, Phoenix, AZ, 85004 1541
Personal Loans
9.99%
▼
APR9.99%
Last UpdatedMarch 26, 2026
Details
As Low As
Sierra Pacific Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.56%
1600 E Northern Ave, Phoenix, AZ, 85020 3933
Personal/Unsecured
9.99%
▼
APR9.99%
Last UpdatedMarch 26, 2026
Details
As Low As
Arizona Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
2020 N CENTRAL AVE STE 100, PHOENIX, AZ, 85004
You-Name-It Loan Up to 12 Months
9.99%
▼
APR9.99%
Last UpdatedMarch 26, 2026
Details
As Low As
Vantage West Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.58%
10440 N 32nd St, Phoenix, AZ, 85028
Personal Signature Loan
10.49%
▼
APR10.49%
Last UpdatedMarch 26, 2026
Details
As Low As; APR Range: 10.49% to 23.49%% Fixed
Vantage West Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.58%
10440 N 32nd St, Phoenix, AZ, 85028
Signature Loans
10.49%
▼
APR10.49%
Last UpdatedMarch 26, 2026
Details
Minimum $1000, Maximum $50,000
OneAZ Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
1812 W Monroe St, PHOENIX, AZ, 85007
Personal Loan
10.50%
▼
APR10.50%
Last UpdatedMarch 26, 2026
Details
As Low As
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
5777 E Mayo Blvd, Phoenix, AZ, 85054
Personal Loan
10.79%
▼
APR10.79%
Last UpdatedMarch 26, 2026
Details
As Low As
Alhambra Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.81%
7339 N 35th Ave, Phoenix, AZ, 85051
Signature
10.99%
▼
APR10.99%
Last UpdatedMarch 26, 2026
Details
No additional details available.
Arizona Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
2020 N CENTRAL AVE STE 100, PHOENIX, AZ, 85004
You-Name-It Loan Up to 36 Months
10.99%
▼
APR10.99%
Last UpdatedMarch 26, 2026
Details
As Low As
Banner Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
9321 W Thomas Rd, Phoenix, AZ, 85037 3389
Personal Loans&Lines of Credit
10.99%
▼
APR10.99%
Last UpdatedMarch 26, 2026
Details
As Low As; Variable Rate
Credit Union West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
2303 N 44th St Ste 1, Phoenix, AZ, 85008 2442
Personal Loan
10.99%
▼
APR10.99%
Last UpdatedMarch 26, 2026
Details
No additional details available.
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
645 E Missouri Ave, Phoenix, AZ, 85012
Personal Loan
11.24%
▼
APR11.24%
Last UpdatedMarch 26, 2026
Details
As Low As
Vantage West Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.58%
10440 N 32nd St, Phoenix, AZ, 85028
Signature Loans
11.25%
▼
APR11.25%
Last UpdatedMarch 26, 2026
Details
Minimum $1000, Maximum $50,000
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
645 E Missouri Ave, Phoenix, AZ, 85012
Personal Loan
11.74%
▼
APR11.74%
Last UpdatedMarch 26, 2026
Details
As Low As
Vantage West Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.58%
10440 N 32nd St, Phoenix, AZ, 85028
Signature Loans
11.95%
▼
APR11.95%
Last UpdatedMarch 26, 2026
Details
Minimum $1000, Maximum $50,000
Desert Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
2501 W Happy Valley Rd Ste 34, Phoenix, AZ, 85085 3712
Signature Loan (Minimum loan amount of
11.99%
▼
APR11.99%
Last UpdatedMarch 26, 2026
Details
$1,000; As Low As
Alhambra Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.81%
7339 N 35th Ave, Phoenix, AZ, 85051
Advanced Payday Loan (APL)
12.00%
▼
APR12.00%
Last UpdatedMarch 26, 2026
Details
No additional details available.
Arizona Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
2020 N CENTRAL AVE STE 100, PHOENIX, AZ, 85004
You-Name-It Loan Up to 60 Months
12.40%
▼
APR12.40%
Last UpdatedMarch 26, 2026
Details
As Low As
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
645 E Missouri Ave, Phoenix, AZ, 85012
Personal Loan
12.74%
▼
APR12.74%
Last UpdatedMarch 26, 2026
Details
As Low As
Vantage West Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.58%
10440 N 32nd St, Phoenix, AZ, 85028
Signature Loans
12.75%
▼
APR12.75%
Last UpdatedMarch 26, 2026
Details
Minimum $1000, Maximum $50,000
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
645 E Missouri Ave, Phoenix, AZ, 85012
Personal Loan
13.49%
▼
APR13.49%
Last UpdatedMarch 26, 2026
Details
As Low As
Vantage West Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.58%
10440 N 32nd St, Phoenix, AZ, 85028
Signature Loans
13.75%
▼
APR13.75%
Last UpdatedMarch 26, 2026
Details
Minimum $1000, Maximum $50,000
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
645 E Missouri Ave, Phoenix, AZ, 85012
Personal Loan
14.99%
▼
APR14.99%
Last UpdatedMarch 26, 2026
Details
As Low As
Notre Dame Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.69%
4645 N 32nd St Ste 100A, Phoenix, AZ, 85018 3389
Unsecured Loan
14.99%
▼
APR14.99%
Last UpdatedMarch 26, 2026
Details
No additional details available.
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
645 E Missouri Ave, Phoenix, AZ, 85012
Personal Loan
16.49%
▼
APR16.49%
Last UpdatedMarch 26, 2026
Details
As Low As
Marisol Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.38%
1515 W Roosevelt St, Phoenix, AZ, 85007 2034
Quick Loan
17.00%
▼
APR17.00%
Last UpdatedMarch 26, 2026
Details
$50.00 non-refundable application fee/Non-credit qualification; Credit Score 725+
Vantage West Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.58%
10440 N 32nd St, Phoenix, AZ, 85028
Personal Signature Loan
23.49%
▼
APR23.49%
Last UpdatedMarch 26, 2026
Details
As Low As; APR Range: 10.49% to 23.49%% Fixed
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
2151 E Broadway Rd, Tempe, AZ, 85282 1893
Fire Station Loan
4.99%
▼
APR4.99%
Last UpdatedMarch 26, 2026
Details
No additional details available.
Greenwich Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
240 N Roosevelt Ave, Chandler, AZ, 85226
Share Pledge Loans
5.00%
▼
APR5.00%
Last UpdatedMarch 26, 2026
Details
Use the money in your account as Collateral for a loan
District #6 Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.55%
2335 S Ellis St, Chandler, AZ, 85286 6701
Short Term Personal Loan
5.00%
▼
APR5.00%
Last UpdatedMarch 26, 2026
Details
No additional details available.
Southeastern Arizona Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
1600 N Pan American Ave, Douglas, AZ, 85607
Loan
5.50%
▼
APR5.50%
Last UpdatedMarch 26, 2026
Details
As Low As
Hughes Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.35%
971 W Wetmore Rd, Tucson, AZ, 85705 1551
FHA Loan (Purchase)
5.75%
▼
APR5.75%
Last UpdatedMarch 26, 2026
Details
No additional details available.
Southeastern Arizona Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
1600 N Pan American Ave, Douglas, AZ, 85607
Loan
6.50%
▼
APR6.50%
Last UpdatedMarch 26, 2026
Details
As Low As
Hughes Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.35%
971 W Wetmore Rd, Tucson, AZ, 85705 1551
VA Loan (Purchase)
6.63%
▼
APR6.63%
Last UpdatedMarch 26, 2026
Details
No additional details available.
Southeastern Arizona Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
1600 N Pan American Ave, Douglas, AZ, 85607
Loan
6.75%
▼
APR6.75%
Last UpdatedMarch 26, 2026
Details
As Low As
District #6 Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.55%
2335 S Ellis St, Chandler, AZ, 85286 6701
Unsecured
6.75%
▼
APR6.75%
Last UpdatedMarch 26, 2026
Details
No additional details available.
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.12%
6846 E Warner Rd, Mesa, AZ, 85212 2138
Lot Loan- 20/5YR Balloon Variable
6.82%
▼
APR6.82%
Last UpdatedMarch 26, 2026
Details
As Low As
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.12%
6846 E Warner Rd, Mesa, AZ, 85212 2138
Lot Loan- 10 Year Variable
7.01%
▼
APR7.01%
Last UpdatedMarch 26, 2026
Details
As Low As
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.12%
6846 E Warner Rd, Mesa, AZ, 85212 2138
Lot Loan- 30/5YR Balloon Variable
7.05%
▼
APR7.05%
Last UpdatedMarch 26, 2026
Details
As Low As
Southeastern Arizona Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
1600 N Pan American Ave, Douglas, AZ, 85607
Loan
7.15%
▼
APR7.15%
Last UpdatedMarch 26, 2026
Details
As Low As
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.12%
6846 E Warner Rd, Mesa, AZ, 85212 2138
Lot Loan- 20/5YR Balloon Fixed
7.28%
▼
APR7.28%
Last UpdatedMarch 26, 2026
Details
As Low As
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.12%
6846 E Warner Rd, Mesa, AZ, 85212 2138
Lot Loan- 10 Year Fixed
7.48%
▼
APR7.48%
Last UpdatedMarch 26, 2026
Details
As Low As
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.12%
6846 E Warner Rd, Mesa, AZ, 85212 2138
Lot Loan- 30/5YR Balloon Fixed
7.48%
▼
APR7.48%
Last UpdatedMarch 26, 2026
Details
As Low As
Southeastern Arizona Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
1600 N Pan American Ave, Douglas, AZ, 85607
Unsecured Loans
8.45%
▼
APR8.45%
Last UpdatedMarch 26, 2026
Details
As Low As
Landings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.77%
2800 S Mill Ave, Tempe, AZ, 85282
New Fifth Wheel Loans
8.49%
▼
APR8.49%
Last UpdatedMarch 26, 2026
Details
No additional details available.
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
2151 E Broadway Rd, Tempe, AZ, 85282 1893
Signature Loan(closed-end loan)
8.74%
▼
APR8.74%
Last UpdatedMarch 26, 2026
Details
No additional details available.
Landings Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.77%
2800 S Mill Ave, Tempe, AZ, 85282
Used Fifth Wheel Loans
8.99%
▼
APR8.99%
Last UpdatedMarch 26, 2026
Details
No additional details available.
District #6 Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.55%
2335 S Ellis St, Chandler, AZ, 85286 6701
Debt Consolidation Loan
8.99%
▼
APR8.99%
Last UpdatedMarch 26, 2026
Details
No additional details available.
Greenwich Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
240 N Roosevelt Ave, Chandler, AZ, 85226
Personal Lines Of Credit
9.00%
▼
APR9.00%
Last UpdatedMarch 26, 2026
Details
Qualifying balance up to $20,000.00
TruGrocer Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
4961 W Bell Rd Ste B6, Glendale, AZ, 85308 3451
Personal Loan
9.00%
▼
APR9.00%
Last UpdatedMarch 26, 2026
Details
As Low As; Terms from 6 to 60 months
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
2151 E Broadway Rd, Tempe, AZ, 85282 1893
Signature Loan(closed-end loan)
9.24%
▼
APR9.24%
Last UpdatedMarch 26, 2026
Details
No additional details available.
Prescott Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
500 N State Route 89, Prescott, AZ, 86313 5001
Debt Consolidation loans
9.30%
▼
APR9.30%
Last UpdatedMarch 26, 2026
Details
As Low As
Prescott Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
500 N State Route 89, Prescott, AZ, 86313 5001
Debt Consolidation loans
9.50%
▼
APR9.50%
Last UpdatedMarch 26, 2026
Details
As Low As
Cochise Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.03%
580 N Haskell Ave, Willcox, AZ, 85643
Signature
9.50%
▼
APR9.50%
Last UpdatedMarch 26, 2026
Details
No additional details available.
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
9725 E Broadway Blvd, Tucson, AZ, 85748
Signature Loans 12 Months
10.04%
▼
APR10.04%
Last UpdatedMarch 26, 2026
Details
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.
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
2151 E Broadway Rd, Tempe, AZ, 85282 1893
Signature Loan(closed-end loan)
10.74%
▼
APR10.74%
Last UpdatedMarch 26, 2026
Details
No additional details available.
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
9725 E Broadway Blvd, Tucson, AZ, 85748
Signature Loans 36 Months
10.74%
▼
APR10.74%
Last UpdatedMarch 26, 2026
Details
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.
Rim Country Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
216 S Main St, Snowflake, AZ, 85937
CONSTRUCTION LOAN
10.90%
▼
APR10.90%
Last UpdatedMarch 26, 2026
Details
~ $80,000 - 150,000 (Depends on Score)
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
2151 E Broadway Rd, Tempe, AZ, 85282 1893
Safety Line(open-end loan)
10.99%
▼
APR10.99%
Last UpdatedMarch 26, 2026
Details
No additional details available.
Prescott Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
500 N State Route 89, Prescott, AZ, 86313 5001
Signature Loans
11.00%
▼
APR11.00%
Last UpdatedMarch 26, 2026
Details
As Low As
Coconino Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.49%
2800 S Woodlands Village Blvd, Flagstaff, AZ, 86001
Signature and Personal Loans
11.00%
▼
APR11.00%
Last UpdatedMarch 26, 2026
Details
No additional details available.
Rim Country Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
216 S Main St, Snowflake, AZ, 85937
Personal Loan
11.40%
▼
APR11.40%
Last UpdatedMarch 26, 2026
Details
No additional details available.
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
5000 E McDowell Rd, Mesa, AZ, 85215 9707
Closed-End Personal Loan
11.49%
▼
APR11.49%
Last UpdatedMarch 26, 2026
Details
No additional details available.
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
5000 E McDowell Rd, Mesa, AZ, 85215 9707
Signature (Unsecured) Loans Closed-End Personal Loan
11.49%
▼
APR11.49%
Last UpdatedMarch 26, 2026
Details
No additional details available.
Credit Union of Southern California Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
1871 Kiowa Ave, Lake Havasu City, AZ, 86403
Signature loan
11.49%
▼
APR11.49%
Last UpdatedMarch 26, 2026
Details
No additional details available.
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
9725 E Broadway Blvd, Tucson, AZ, 85748
Signature Loans 72 Months
11.64%
▼
APR11.64%
Last UpdatedMarch 26, 2026
Details
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.
Rim Country Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
216 S Main St, Snowflake, AZ, 85937
Personal Loan
11.90%
▼
APR11.90%
Last UpdatedMarch 26, 2026
Details
No additional details available.
First Internet Bank of Indiana
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
51 W 3rd St, Tempe, AZ, 85281
Personal Loan
11.99%
▼
APR11.99%
Last UpdatedMarch 26, 2026
Details
As Low As; Terms up to: 60 months
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
9725 E Broadway Blvd, Tucson, AZ, 85748
Signature Loans 84 Months
12.14%
▼
APR12.14%
Last UpdatedMarch 26, 2026
Details
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.
America First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.12%
6846 E Warner Rd, Mesa, AZ, 85212 2138
PERSONAL
12.49%
▼
APR12.49%
Last UpdatedMarch 26, 2026
Details
No additional details available.
Hughes Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.35%
971 W Wetmore Rd, Tucson, AZ, 85705 1551
Summer/Holiday Loans
12.50%
▼
APR12.50%
Last UpdatedMarch 26, 2026
Details
No additional details available.
Rim Country Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
216 S Main St, Snowflake, AZ, 85937
Personal Loan
12.90%
▼
APR12.90%
Last UpdatedMarch 26, 2026
Details
No additional details available.
Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
4747 S Highway 95, Fort Mohave, AZ, 86426 9377
Signature Loan
12.99%
▼
APR12.99%
Last UpdatedMarch 26, 2026
Details
No additional details available.
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
111 W Rio Salado Pkwy, Tempe, AZ, 85281
Personal Loan
13.74%
▼
APR13.74%
Last UpdatedMarch 26, 2026
Details
No additional details available.
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
111 W Rio Salado Pkwy, Tempe, AZ, 85281
Personal Loans
13.74%
▼
APR13.74%
Last UpdatedMarch 26, 2026
Details
As Low As; Rates as low as 13.74% APR* for a 12-month term.
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
111 W Rio Salado Pkwy, Tempe, AZ, 85281
Debt Consolidation Loan
14.49%
▼
APR14.49%
Last UpdatedMarch 26, 2026
Details
No additional details available.
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
111 W Rio Salado Pkwy, Tempe, AZ, 85281
Debt Consolidation Loans
14.49%
▼
APR14.49%
Last UpdatedMarch 26, 2026
Details
As Low As
Rim Country Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
216 S Main St, Snowflake, AZ, 85937
Construction Loan
15.90%
▼
APR15.90%
Last UpdatedMarch 26, 2026
Details
No additional details available.
Hughes Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.35%
971 W Wetmore Rd, Tucson, AZ, 85705 1551
Signature Loan
16.45%
▼
APR16.45%
Last UpdatedMarch 26, 2026
Details
No additional details available.
Greenwich Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
240 N Roosevelt Ave, Chandler, AZ, 85226
Personal Lines Of Credit
17.00%
▼
APR17.00%
Last UpdatedMarch 26, 2026
Details
$0.00-$20,000.00
Hughes Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.35%
971 W Wetmore Rd, Tucson, AZ, 85705 1551
Credit Builder Signature
18.00%
▼
APR18.00%
Last UpdatedMarch 26, 2026
Details
No additional details available.
Rim Country Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
216 S Main St, Snowflake, AZ, 85937
Quick Cash Loans
18.00%
▼
APR18.00%
Last UpdatedMarch 26, 2026
Details
DIRECT DEPOSIT REQUIRED; APPLICATION FEE: $20.00
Southeastern Arizona Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.47%
1600 N Pan American Ave, Douglas, AZ, 85607
Quick Loans
18.00%
▼
APR18.00%
Last UpdatedMarch 26, 2026
Details
$50.00 Application Fee
Prescott Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
500 N State Route 89, Prescott, AZ, 86313 5001
Emergency Loan
18.00%
▼
APR18.00%
Last UpdatedMarch 26, 2026
Details
Fixed Interest Rate
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
5000 E McDowell Rd, Mesa, AZ, 85215 9707
Signature (Unsecured) Loans Closed-End Personal Loan
18.00%
▼
APR18.00%
Last UpdatedMarch 26, 2026
Details
No additional details available.
Powered by
MonitorBankRates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
Florida West Coast Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.98%
4801 E THISTLE LANDING DR, PHOENIX, AZ, 85044
Personal Loan
9.00%
▼
APR9.00%
Last UpdatedMarch 26, 2026
Details
As Low As; Maximum Loan amount is $20,000.00, term is based on amount borrowed.
SunWest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
302 E McDowell Rd Ste 100, Phoenix, AZ, 85004 1541
Personal Loans
9.99%
▼
APR9.99%
Last UpdatedMarch 26, 2026
Details
As Low As
OneAZ Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.02%
1812 W Monroe St, PHOENIX, AZ, 85007
Personal Loan
10.50%
▼
APR10.50%
Last UpdatedMarch 26, 2026
Details
As Low As
Mayo Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
5777 E Mayo Blvd, Phoenix, AZ, 85054
Personal Loan
10.79%
▼
APR10.79%
Last UpdatedMarch 26, 2026
Details
As Low As
Banner Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
9321 W Thomas Rd, Phoenix, AZ, 85037 3389
Personal Loans&Lines of Credit
10.99%
▼
APR10.99%
Last UpdatedMarch 26, 2026
Details
As Low As; Variable Rate
Credit Union West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
2303 N 44th St Ste 1, Phoenix, AZ, 85008 2442
Personal Loan
10.99%
▼
APR10.99%
Last UpdatedMarch 26, 2026
Details
No additional details available.
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
645 E Missouri Ave, Phoenix, AZ, 85012
Personal Loan
11.24%
▼
APR11.24%
Last UpdatedMarch 26, 2026
Details
As Low As
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
645 E Missouri Ave, Phoenix, AZ, 85012
Personal Loan
11.74%
▼
APR11.74%
Last UpdatedMarch 26, 2026
Details
As Low As
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
645 E Missouri Ave, Phoenix, AZ, 85012
Personal Loan
12.74%
▼
APR12.74%
Last UpdatedMarch 26, 2026
Details
As Low As
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
645 E Missouri Ave, Phoenix, AZ, 85012
Personal Loan
13.49%
▼
APR13.49%
Last UpdatedMarch 26, 2026
Details
As Low As
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
645 E Missouri Ave, Phoenix, AZ, 85012
Personal Loan
14.99%
▼
APR14.99%
Last UpdatedMarch 26, 2026
Details
As Low As
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
645 E Missouri Ave, Phoenix, AZ, 85012
Personal Loan
16.49%
▼
APR16.49%
Last UpdatedMarch 26, 2026
Details
As Low As
District #6 Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.55%
2335 S Ellis St, Chandler, AZ, 85286 6701
Short Term Personal Loan
5.00%
▼
APR5.00%
Last UpdatedMarch 26, 2026
Details
No additional details available.
TruGrocer Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.15%
4961 W Bell Rd Ste B6, Glendale, AZ, 85308 3451
Personal Loan
9.00%
▼
APR9.00%
Last UpdatedMarch 26, 2026
Details
As Low As; Terms from 6 to 60 months
Coconino Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.49%
2800 S Woodlands Village Blvd, Flagstaff, AZ, 86001
Signature and Personal Loans
11.00%
▼
APR11.00%
Last UpdatedMarch 26, 2026
Details
No additional details available.
Rim Country Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
216 S Main St, Snowflake, AZ, 85937
Personal Loan
11.40%
▼
APR11.40%
Last UpdatedMarch 26, 2026
Details
No additional details available.
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
5000 E McDowell Rd, Mesa, AZ, 85215 9707
Closed-End Personal Loan
11.49%
▼
APR11.49%
Last UpdatedMarch 26, 2026
Details
No additional details available.
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
5000 E McDowell Rd, Mesa, AZ, 85215 9707
Signature (Unsecured) Loans Closed-End Personal Loan
11.49%
▼
APR11.49%
Last UpdatedMarch 26, 2026
Details
No additional details available.
Rim Country Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
216 S Main St, Snowflake, AZ, 85937
Personal Loan
11.90%
▼
APR11.90%
Last UpdatedMarch 26, 2026
Details
No additional details available.
First Internet Bank of Indiana
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
51 W 3rd St, Tempe, AZ, 85281
Personal Loan
11.99%
▼
APR11.99%
Last UpdatedMarch 26, 2026
Details
As Low As; Terms up to: 60 months
Rim Country Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.46%
216 S Main St, Snowflake, AZ, 85937
Personal Loan
12.90%
▼
APR12.90%
Last UpdatedMarch 26, 2026
Details
No additional details available.
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
111 W Rio Salado Pkwy, Tempe, AZ, 85281
Personal Loan
13.74%
▼
APR13.74%
Last UpdatedMarch 26, 2026
Details
No additional details available.
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
111 W Rio Salado Pkwy, Tempe, AZ, 85281
Personal Loans
13.74%
▼
APR13.74%
Last UpdatedMarch 26, 2026
Details
As Low As; Rates as low as 13.74% APR* for a 12-month term.
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
5000 E McDowell Rd, Mesa, AZ, 85215 9707
Signature (Unsecured) Loans Closed-End Personal Loan
18.00%
▼
APR18.00%
Last UpdatedMarch 26, 2026
Details
No additional details available.
Powered by
MonitorBankRates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
District #6 Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.55%
2335 S Ellis St, Chandler, AZ, 85286 6701
Debt Consolidation Loan
8.99%
▼
APR8.99%
Last UpdatedMarch 26, 2026
Details
No additional details available.
Prescott Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
500 N State Route 89, Prescott, AZ, 86313 5001
Debt Consolidation loans
9.30%
▼
APR9.30%
Last UpdatedMarch 26, 2026
Details
As Low As
Prescott Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
500 N State Route 89, Prescott, AZ, 86313 5001
Debt Consolidation loans
9.50%
▼
APR9.50%
Last UpdatedMarch 26, 2026
Details
As Low As
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
111 W Rio Salado Pkwy, Tempe, AZ, 85281
Debt Consolidation Loan
14.49%
▼
APR14.49%
Last UpdatedMarch 26, 2026
Details
No additional details available.
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★Texas Ratio: 21.76%
111 W Rio Salado Pkwy, Tempe, AZ, 85281
Debt Consolidation Loans
14.49%
▼
APR14.49%
Last UpdatedMarch 26, 2026
Details
As Low As
Powered by
MonitorBankRates
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
San Diego Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.97%
4801 E Thistle Landing Dr, Phoenix, AZ, 85044 6459
Signature
8.49%
▼
APR8.49%
Last UpdatedMarch 26, 2026
Details
As Low As
Blue Water Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.15%
4801 E Thistle Landing Dr, Phoenix, AZ, 85044 6459
Signature Loans
8.50%
▼
APR8.50%
Last UpdatedMarch 26, 2026
Details
No additional details available.
Blue Water Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.15%
4801 E Thistle Landing Dr, Phoenix, AZ, 85044 6459
Signature Loans
8.75%
▼
APR8.75%
Last UpdatedMarch 26, 2026
Details
No additional details available.
Sharefax Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.21%
615 N 48th St, Phoenix, AZ, 85008 6608
Signature Loan
8.75%
▼
APR8.75%
Last UpdatedMarch 26, 2026
Details
As Low As
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
1550 E Meadowbrook Ave Ste B, Phoenix, AZ, 85014 4040
Signature Loan
8.99%
▼
APR8.99%
Last UpdatedMarch 26, 2026
Details
As Low As; Including Debt Consolidation
Blue Water Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.15%
4801 E Thistle Landing Dr, Phoenix, AZ, 85044 6459
Signature Loans
9.00%
▼
APR9.00%
Last UpdatedMarch 26, 2026
Details
No additional details available.
Blue Water Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.15%
4801 E Thistle Landing Dr, Phoenix, AZ, 85044 6459
Signature Loans
9.25%
▼
APR9.25%
Last UpdatedMarch 26, 2026
Details
No additional details available.
Vantage West Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.58%
10440 N 32nd St, Phoenix, AZ, 85028
Personal Signature Loan
10.49%
▼
APR10.49%
Last UpdatedMarch 26, 2026
Details
As Low As; APR Range: 10.49% to 23.49%% Fixed
Vantage West Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.58%
10440 N 32nd St, Phoenix, AZ, 85028
Signature Loans
10.49%
▼
APR10.49%
Last UpdatedMarch 26, 2026
Details
Minimum $1000, Maximum $50,000
Alhambra Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.81%
7339 N 35th Ave, Phoenix, AZ, 85051
Signature
10.99%
▼
APR10.99%
Last UpdatedMarch 26, 2026
Details
No additional details available.
Vantage West Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.58%
10440 N 32nd St, Phoenix, AZ, 85028
Signature Loans
11.25%
▼
APR11.25%
Last UpdatedMarch 26, 2026
Details
Minimum $1000, Maximum $50,000
Vantage West Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.58%
10440 N 32nd St, Phoenix, AZ, 85028
Signature Loans
11.95%
▼
APR11.95%
Last UpdatedMarch 26, 2026
Details
Minimum $1000, Maximum $50,000
Desert Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
2501 W Happy Valley Rd Ste 34, Phoenix, AZ, 85085 3712
Signature Loan (Minimum loan amount of
11.99%
▼
APR11.99%
Last UpdatedMarch 26, 2026
Details
$1,000; As Low As
Vantage West Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.58%
10440 N 32nd St, Phoenix, AZ, 85028
Signature Loans
12.75%
▼
APR12.75%
Last UpdatedMarch 26, 2026
Details
Minimum $1000, Maximum $50,000
Vantage West Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.58%
10440 N 32nd St, Phoenix, AZ, 85028
Signature Loans
13.75%
▼
APR13.75%
Last UpdatedMarch 26, 2026
Details
Minimum $1000, Maximum $50,000
Vantage West Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.58%
10440 N 32nd St, Phoenix, AZ, 85028
Personal Signature Loan
23.49%
▼
APR23.49%
Last UpdatedMarch 26, 2026
Details
As Low As; APR Range: 10.49% to 23.49%% Fixed
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
2151 E Broadway Rd, Tempe, AZ, 85282 1893
Signature Loan(closed-end loan)
8.74%
▼
APR8.74%
Last UpdatedMarch 26, 2026
Details
No additional details available.
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
2151 E Broadway Rd, Tempe, AZ, 85282 1893
Signature Loan(closed-end loan)
9.24%
▼
APR9.24%
Last UpdatedMarch 26, 2026
Details
No additional details available.
Cochise Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.03%
580 N Haskell Ave, Willcox, AZ, 85643
Signature
9.50%
▼
APR9.50%
Last UpdatedMarch 26, 2026
Details
No additional details available.
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
9725 E Broadway Blvd, Tucson, AZ, 85748
Signature Loans 12 Months
10.04%
▼
APR10.04%
Last UpdatedMarch 26, 2026
Details
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.
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.58%
2151 E Broadway Rd, Tempe, AZ, 85282 1893
Signature Loan(closed-end loan)
10.74%
▼
APR10.74%
Last UpdatedMarch 26, 2026
Details
No additional details available.
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
9725 E Broadway Blvd, Tucson, AZ, 85748
Signature Loans 36 Months
10.74%
▼
APR10.74%
Last UpdatedMarch 26, 2026
Details
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.
Prescott Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.58%
500 N State Route 89, Prescott, AZ, 86313 5001
Signature Loans
11.00%
▼
APR11.00%
Last UpdatedMarch 26, 2026
Details
As Low As
Coconino Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.49%
2800 S Woodlands Village Blvd, Flagstaff, AZ, 86001
Signature and Personal Loans
11.00%
▼
APR11.00%
Last UpdatedMarch 26, 2026
Details
No additional details available.
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
5000 E McDowell Rd, Mesa, AZ, 85215 9707
Signature (Unsecured) Loans Closed-End Personal Loan
11.49%
▼
APR11.49%
Last UpdatedMarch 26, 2026
Details
No additional details available.
Credit Union of Southern California Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.57%
1871 Kiowa Ave, Lake Havasu City, AZ, 86403
Signature loan
11.49%
▼
APR11.49%
Last UpdatedMarch 26, 2026
Details
No additional details available.
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
9725 E Broadway Blvd, Tucson, AZ, 85748
Signature Loans 72 Months
11.64%
▼
APR11.64%
Last UpdatedMarch 26, 2026
Details
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.
Idaho Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.09%
9725 E Broadway Blvd, Tucson, AZ, 85748
Signature Loans 84 Months
12.14%
▼
APR12.14%
Last UpdatedMarch 26, 2026
Details
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.
Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.28%
4747 S Highway 95, Fort Mohave, AZ, 86426 9377
Signature Loan
12.99%
▼
APR12.99%
Last UpdatedMarch 26, 2026
Details
No additional details available.
Hughes Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.35%
971 W Wetmore Rd, Tucson, AZ, 85705 1551
Signature Loan
16.45%
▼
APR16.45%
Last UpdatedMarch 26, 2026
Details
No additional details available.
Hughes Federal Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 17.35%
971 W Wetmore Rd, Tucson, AZ, 85705 1551
Credit Builder Signature
18.00%
▼
APR18.00%
Last UpdatedMarch 26, 2026
Details
No additional details available.
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.70%
5000 E McDowell Rd, Mesa, AZ, 85215 9707
Signature (Unsecured) Loans Closed-End Personal Loan
18.00%
▼
APR18.00%
Last UpdatedMarch 26, 2026
Details
No additional details available.
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Frequently Asked Questions
What credit score do I need for a personal loan in Arizona?
Most lenders in Phoenix, Arizona require a minimum credit score of 620 for approval, but borrowers with scores of 720 or higher will qualify for the most competitive APRs. Credit unions in Arizona often have more flexible requirements than traditional banks.
What is the difference between secured and unsecured personal loans?
Unsecured personal loans in Phoenix, Arizona require no collateral and are approved based on your creditworthiness alone. Secured loans are backed by an asset (such as savings or a vehicle) and typically offer lower interest rates. If you default on a secured loan, the lender may seize the collateral.
Can I use a personal loan for debt consolidation in Arizona?
Yes. Debt consolidation is one of the most common uses of personal loans in Phoenix, Arizona. By rolling multiple high-interest debts (credit cards, medical bills) into a single personal loan with a lower APR, you can reduce your total interest costs and simplify repayment.
Are credit unions or banks better for personal loans in Phoenix, Arizona?
Credit unions in Phoenix, Arizona often offer lower APRs and more flexible underwriting than traditional banks because they are member-owned and not-for-profit. However, you must meet membership eligibility requirements. Banks may offer faster approvals and larger loan amounts.
What are the best personal loan rates in Phoenix, Arizona?
- San Diego Firefighters Federal Credit Union: 5.24% (Solar & Energy Saving Loan)
- Copper State Credit Union: 5.75% (Pool Loan)
- USAA Federal Savings Bank: 6.00% (VA Interest Rate Reduction Refinance Loan (IRRRL))
- Banner Federal Credit Union: 6.50% (Loan)
- Marisol Federal Credit Union: 6.75% (Loan Amount)
Personal Loan Rates reflect actual verified offers from banks and credit unions actively lending in Phoenix, Arizona. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: March 25, 2026.
Personal Loan Calculators
