Best Personal Loan Rates in Phoenix, Arizona - July 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: Blue Water Federal Credit UnionBlue Water Federal Credit Union4801 E Thistle Landing Dr, Phoenix, AZ, 85044 6459A+5.0 ★Texas Ratio: 0.15% offering Previous Loan at 6.00% APR, USAA Federal Savings BankUSAA Federal Savings Bank1 Norterra Dr, Phoenix, AZ, 85085A-5.0 ★Texas Ratio: 14.77% offering VA purchase loan at 6.27% APR, Mountain America Federal Credit UnionMountain America Federal Credit Union10810 N Tatum Blvd Ste 114, Phoenix, AZ, 85028A5.0 ★Texas Ratio: 10.12% offering Construction Loan at 7.11% APR, Interfaith Federal Credit UnionInterfaith Federal Credit Union1550 E Meadowbrook Ave Ste B, Phoenix, AZ, 85014 4040A+5.0 ★Texas Ratio: 1.57% offering Church Loans at 7.25% APR, and SunWest Federal Credit UnionSunWest Federal Credit Union302 E McDowell Rd Ste 100, Phoenix, AZ, 85004 1541A+5.0 ★Texas Ratio: 3.53% offering Personal Loan at 7.90% APR. Personal loan rates as of July 6, 2026 according to verified data from MonitorBankRates.
Phoenix has 11 local institutions in our database, with personal loan rates as low as 6.00% APR from Blue Water 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: July 6, 2026
Phoenix Personal Loan Rates
As Low As; Promotional rate from June 1st through August 31st, 2026.
No additional details available.
No additional details available.
No additional details available.
As Low As
As Low As
Loans up to $250,000. No prepayment penalties. Personal guarantees may be waived.
Actual rate will be determined by your Experian FICO 2 Credit Score.
As Low As
As Low As; Limited time promo: 7.90% APR. Borrow up to $25,000. No minimum score requirement. Same-day funding, no payments for 45 days.
As Low As; Including Debt Consolidation
As Low As
As Low As; Rates and terms are based on creditworthiness and subject to change. Additional conditions may apply. See credit union for details.
Fixed loan rates. Beat most credit cards and lines of credit. Zero prepayment penalties. Unsecured Personal Loans.
Estimated monthly payment of $25.60 per $1,000.00 borrowed.
Personal Line of Credit (PLC) / Signature Loans
No additional details available.
As Low As
As low as: Variable Rate APR*
As low as:
As Low As
As Low As
As Low As
Advanced Payday Loan (APL) Call or stop by today to speak with a Loan officer for more details.
As Low As
As Low As
As Low As
As Low As
As Low As
(.25% discount with net pay) call for quote
As Low As
As Low As
Maximum loan amount: Up to 100% of the available certificate balance
APR without Autopay: 5.99%
Fixed
APR without Autopay: 6.24%
APR without Autopay: 6.24%
No additional details available.
APR without Autopay: 6.74%
Amount: Up to $20000
Fixed
No additional details available.
As Low As; Adjustable APRs may increase or decrease after loan consummation, with a maximum APR of 18%.
No additional details available.
No additional details available.
As Low As; Interest Rate: 6.5%
As Low As; Adjustable APRs may increase or decrease after loan consummation, with a maximum APR of 18%.
As Low As; Adjustable APRs may increase or decrease after loan consummation, with a maximum APR of 18%.
Max APR: 11.24%
As Low As; Adjustable APRs may increase or decrease after loan consummation, with a maximum APR of 18%.
As Low As; Interest Rate: 6.5%
No additional details available.
As Low As; Adjustable APRs may increase or decrease after loan consummation, with a maximum APR of 18%.
As Low As; Adjustable APRs may increase or decrease after loan consummation, with a maximum APR of 18%.
As Low As
No additional details available.
No additional details available.
No additional details available.
As Low As
As Low As; **
As Low As
**
As Low As; Rates may vary based on creditworthiness and other factors.
**
No additional details available.
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Depends on Score
Up to 55% of appraised value
No additional details available.
As Low As
No additional details available.
Maximum loan amount: $30,000; Max APR: 17.49%
**
Fixed
No additional details available.
As Low As; Payments from $22.25 per $1,000 for 60 months
Maximum loan amount: $30,000; Max APR: 17.49%
As Low As; Payment calculated on a monthly factor of 2.25% for each increment or partial increment of $1,000 outstanding balance and rounded to the next even dollar amount. See credit agreement for more details. Interest rate is variable and may change after loan funding.
Your rate may be higher depending on credit history and underwriting criteria. Rates and terms are accurate as of Thursday, February 05, 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.
Maximum loan amount: $30,000; Max APR: 17.49%
No additional details available.
No additional details available.
No additional details available.
Fixed
No additional details available.
Fixed
Qualifications Required: DIRECT DEPOSIT REQUIRED; MIN SIX MONTH EMPLOYMENT, MIN AMT $250.00, MAX AMT $500.00, APPLICATION FEE: $20.00
Fixed Interest Rate; Up to $1,000.00
Phoenix Personal Loan Rates
Actual rate will be determined by your Experian FICO 2 Credit Score.
As Low As
As Low As; Limited time promo: 7.90% APR. Borrow up to $25,000. No minimum score requirement. Same-day funding, no payments for 45 days.
Fixed loan rates. Beat most credit cards and lines of credit. Zero prepayment penalties. Unsecured Personal Loans.
Estimated monthly payment of $25.60 per $1,000.00 borrowed.
As low as: Variable Rate APR*
As low as:
(.25% discount with net pay) call for quote
As Low As; Rates may vary based on creditworthiness and other factors.
As Low As; Payments from $22.25 per $1,000 for 60 months
Your rate may be higher depending on credit history and underwriting criteria. Rates and terms are accurate as of Thursday, February 05, 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.
No additional details available.
Phoenix Debt Consolidation Loan Rates
As Low As
As Low As
No additional details available.
Phoenix Signature Loan Rates
As Low As; Including Debt Consolidation
No additional details available.
No additional details available.
No additional details available.
No additional details available.
No additional details available.
As Low As
Maximum loan amount: $30,000; Max APR: 17.49%
Maximum loan amount: $30,000; Max APR: 17.49%
Maximum loan amount: $30,000; Max APR: 17.49%
Fixed
Fixed
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 rose 0.392 points over the past 7 days to 10.344% APR.
Arizona signature loan rates currently average 13.685% APR.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Phoenix, 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 Phoenix, 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 Phoenix, 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.
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?
- Blue Water Federal Credit Union: 6.00% (Previous Loan)
- USAA Federal Savings Bank: 6.27% (VA purchase loan)
- Mountain America Federal Credit Union: 7.11% (Construction Loan)
- Interfaith Federal Credit Union: 7.25% (Church Loans)
- SunWest Federal Credit Union: 7.90% (Personal Loan)
Personal Loan Calculators
