Best Personal Loan Rates in Surprise, 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 Surprise, Arizona include: SunWest Federal Credit UnionSunWest Federal Credit Union14865 W Bell Rd, Surprise, AZ, 85374 7600A+5.0 ★Texas Ratio: 3.72% offering Personal Loan at 7.90% APR, Credit Union West Credit UnionCredit Union West Credit Union16765 N Litchfield Rd, Surprise, AZ, 85374A+5.0 ★Texas Ratio: 3.00% offering Personal Loan at 10.99% APR, Desert Financial Credit UnionDesert Financial Credit Union13770 W Bell Rd, Surprise, AZ, 85374A+5.0 ★Texas Ratio: 1.59% offering Signature Loan (Minimum loan amount of at 11.99% APR, District #6 Federal Credit UnionDistrict #6 Federal Credit UnionA5.0 ★Texas Ratio: 10.55% offering Short Term Personal Loan at 5.00% APR, and Greenwich Municipal Employees Federal Credit UnionGreenwich Municipal Employees Federal Credit UnionA+5.0 ★Texas Ratio: 2.08% offering Share Pledge Loans at 5.00% APR. Personal loan rates as of May 12, 2026 according to verified data from MonitorBankRates.
Surprise has 3 local institutions in our database, with personal loan rates as low as 7.90% APR from SunWest Federal Credit Union at 14865 W Bell Rd, Surprise, AZ, 85374 7600. 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 Surprise, Arizona.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Surprise, 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
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As Low As
Fixed
$1,000; As Low As
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Use the money in your account as Collateral for a loan
As Low As; Up to 60 Months
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As Low As; Up to 120 Months
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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; Up to 180 Months
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over $250,000; As Low As; 5 year adjustable - 30 year term, due in 15 years
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up to $250,000; As Low As; 10 year fixed
As Low As; Up to 240 Months
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As Low As
As Low As; Including Debt Consolidation
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As Low As; Terms from 6 to 60 months
As Low As; Qualifying balance up to $20,000.00
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!
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As Low As
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.
Minimum $1000, Maximum $50,000
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.
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As Low As; Variable Rate
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As Low As
Minimum $1000, Maximum $50,000
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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
Minimum $1000, Maximum $50,000
As Low As; Terms up to: 60 months
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
As Low As; Fixed
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Minimum $1000, Maximum $50,000
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Minimum $1000, Maximum $50,000
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DIRECT DEPOSIT REQUIRED; APPLICATION FEE: $20.00
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As Low As
Fixed
No additional details available.
As Low As; Terms from 6 to 60 months
As Low As; Maximum Loan amount is $20,000.00, term is based on amount borrowed.
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
As Low As; Variable Rate
As Low As
As Low As
As Low As; Terms up to: 60 months
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As Low As
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As Low As;%
As Low As;%
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As Low As
$1,000; As Low As
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.
As Low As
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As Low As
As Low As; Including Debt Consolidation
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.
Minimum $1000, Maximum $50,000
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
As Low As
Minimum $1000, Maximum $50,000
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.
Minimum $1000, Maximum $50,000
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.
Minimum $1000, Maximum $50,000
No additional details available.
Minimum $1000, Maximum $50,000
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Surprise, AZ Personal Loan Rate Trends
Compare local Surprise, 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 Surprise, Arizona?
What are the best personal loan rates in Surprise, Arizona?
- SunWest Federal Credit Union: 7.90% (Personal Loan)
- Credit Union West Credit Union: 10.99% (Personal Loan)
- Desert Financial Credit Union: 11.99% (Signature Loan (Minimum loan amount of)
- District #6 Federal Credit Union: 5.00% (Short Term Personal Loan)
- Greenwich Municipal Employees Federal Credit Union: 5.00% (Share Pledge Loans)
Personal Loan Calculators
