Best Personal Loan Rates in Arizona (AZ) - April 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
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- Location-Based Rate Tables
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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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 Arizona include: Firefighters First Federal Credit UnionFirefighters First Federal Credit Union2151 E Broadway Rd, Tempe, AZ, 85282 1893A+5.0 ★Texas Ratio: 1.58% offering Fire Station Loan at 4.99% APR, District #6 Federal Credit UnionDistrict #6 Federal Credit Union2335 S Ellis St, Chandler, AZ, 85286 6701A5.0 ★Texas Ratio: 10.55% offering Short Term Personal Loan at 5.00% APR, Greenwich Municipal Employees Federal Credit UnionGreenwich Municipal Employees Federal Credit Union240 N Roosevelt Ave, Chandler, AZ, 85226A+5.0 ★Texas Ratio: 2.08% offering Share Pledge Loans at 5.00% APR, 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, and 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, or IRRRL at 5.73% APR. Personal loan rates as of April 27, 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 4.99% APR from Firefighters First Federal Credit Union at 2151 E Broadway Rd, Tempe, AZ, 85282 1893. 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 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: April 27, 2026
Source: Verified Personal Loan Rate Data provided by MonitorBankRates
Institution
Loan Product
APR
Profile
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 UpdatedApril 28, 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
Short Term Personal Loan
5.00%
▼
APR5.00%
Last UpdatedApril 28, 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 UpdatedApril 28, 2026
Details
Use the money in your account as Collateral for a loan
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 Loan
5.24%
▼
APR5.24%
Last UpdatedApril 28, 2026
Details
As Low As
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
5.73%
▼
APR5.73%
Last UpdatedApril 28, 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
FHA Loan (Purchase)
5.75%
▼
APR5.75%
Last UpdatedApril 28, 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
5.93%
▼
APR5.93%
Last UpdatedApril 28, 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 cash-out refinance loan
6.08%
▼
APR6.08%
Last UpdatedApril 28, 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 Loan
6.24%
▼
APR6.24%
Last UpdatedApril 28, 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)
6.49%
▼
APR6.49%
Last UpdatedApril 28, 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
6.50%
▼
APR6.50%
Last UpdatedApril 28, 2026
Details
As Low As
1st Bank Yuma
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
645 N William Brooks Ave, San Luis, AZ, 85336
Loan Amount
6.50%
▼
APR6.50%
Last UpdatedApril 28, 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
Low down payment purchase loan
6.57%
▼
APR6.57%
Last UpdatedApril 28, 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
Unsecured
6.75%
▼
APR6.75%
Last UpdatedApril 28, 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
6.75%
▼
APR6.75%
Last UpdatedApril 28, 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 Variable
6.82%
▼
APR6.82%
Last UpdatedApril 28, 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
7.00%
▼
APR7.00%
Last UpdatedApril 28, 2026
Details
As Low As
1st Bank Yuma
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
645 N William Brooks Ave, San Luis, AZ, 85336
Loan Amount
7.00%
▼
APR7.00%
Last UpdatedApril 28, 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- 10 Year Variable
7.01%
▼
APR7.01%
Last UpdatedApril 28, 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 UpdatedApril 28, 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 Loan
7.24%
▼
APR7.24%
Last UpdatedApril 28, 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
7.25%
▼
APR7.25%
Last UpdatedApril 28, 2026
Details
As Low As
1st Bank Yuma
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
645 N William Brooks Ave, San Luis, AZ, 85336
Loan Amount
7.25%
▼
APR7.25%
Last UpdatedApril 28, 2026
Details
No additional details available.
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
1550 E Meadowbrook Ave Ste B, Phoenix, AZ, 85014 4040
Church Loans
7.25%
▼
APR7.25%
Last UpdatedApril 28, 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 UpdatedApril 28, 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 UpdatedApril 28, 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 UpdatedApril 28, 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
7.50%
▼
APR7.50%
Last UpdatedApril 28, 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
Loans
7.50%
▼
APR7.50%
Last UpdatedApril 28, 2026
Details
up to $250,000; No prepayment penalties; Personal guarantees may be waived
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 UpdatedApril 28, 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
Solar Loan
7.99%
▼
APR7.99%
Last UpdatedApril 28, 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 Loan
7.99%
▼
APR7.99%
Last UpdatedApril 28, 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
8.00%
▼
APR8.00%
Last UpdatedApril 28, 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 UpdatedApril 28, 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 UpdatedApril 28, 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 Loan
8.49%
▼
APR8.49%
Last UpdatedApril 28, 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 UpdatedApril 28, 2026
Details
As Low As
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 UpdatedApril 28, 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 UpdatedApril 28, 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
Debt Consolidation Loan
8.99%
▼
APR8.99%
Last UpdatedApril 28, 2026
Details
No additional details available.
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 UpdatedApril 28, 2026
Details
As low as
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 UpdatedApril 28, 2026
Details
As Low As; Terms from 6 to 60 months
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 UpdatedApril 28, 2026
Details
Qualifying balance up to $20,000.00
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 UpdatedApril 28, 2026
Details
As Low As; Maximum Loan amount is $20,000.00, term is based on amount borrowed.
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 UpdatedApril 28, 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 UpdatedApril 28, 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 UpdatedApril 28, 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 UpdatedApril 28, 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
Unsecured
9.50%
▼
APR9.50%
Last UpdatedApril 28, 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 Personal LoanTM
9.99%
▼
APR9.99%
Last UpdatedApril 28, 2026
Details
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!
SunWest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
5323 N 99th Ave Ste 220, Glendale, AZ, 85305 2224
Personal Loans
9.99%
▼
APR9.99%
Last UpdatedApril 28, 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 UpdatedApril 28, 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 UpdatedApril 28, 2026
Details
As Low As
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 UpdatedApril 28, 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.
Vantage West Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.58%
2222 S Craycroft Rd, Tucson, AZ, 85711 6626
Signature Loans
10.49%
▼
APR10.49%
Last UpdatedApril 28, 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 UpdatedApril 28, 2026
Details
As Low As
1st Bank Yuma
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
645 N William Brooks Ave, San Luis, AZ, 85336
Personal Loan
10.50%
▼
APR10.50%
Last UpdatedApril 28, 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)
10.74%
▼
APR10.74%
Last UpdatedApril 28, 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 UpdatedApril 28, 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.
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 UpdatedApril 28, 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
10.90%
▼
APR10.90%
Last UpdatedApril 28, 2026
Details
~ $80,000 - 150,000 (Depends on Score)
Banner Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
9321 W Thomas Rd, Phoenix, AZ, 85037 3389
PERSONAL
10.99%
▼
APR10.99%
Last UpdatedApril 28, 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
Signature Loans
10.99%
▼
APR10.99%
Last UpdatedApril 28, 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 UpdatedApril 28, 2026
Details
As Low As; Variable Rate
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 UpdatedApril 28, 2026
Details
As Low As
Credit Union West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
20155 N 67th Ave, Glendale, AZ, 85308
Personal Loan
10.99%
▼
APR10.99%
Last UpdatedApril 28, 2026
Details
No additional details available.
Alhambra Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.81%
13331 W Indian School Rd Ste 205, Litchfield Park, AZ, 85340
Signature
10.99%
▼
APR10.99%
Last UpdatedApril 28, 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
Safety Line(open-end loan)
10.99%
▼
APR10.99%
Last UpdatedApril 28, 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 UpdatedApril 28, 2026
Details
As Low As
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
3730 N Stone Ave, tucson, AZ, 85705 3204
Personal Loan
11.24%
▼
APR11.24%
Last UpdatedApril 28, 2026
Details
As Low As; 11.24%
Vantage West Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.58%
2222 S Craycroft Rd, Tucson, AZ, 85711 6626
Signature Loans
11.25%
▼
APR11.25%
Last UpdatedApril 28, 2026
Details
Minimum $1000, Maximum $50,000
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 UpdatedApril 28, 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 UpdatedApril 28, 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
Unsecured Loans
11.50%
▼
APR11.50%
Last UpdatedApril 28, 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 UpdatedApril 28, 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.
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
3730 N Stone Ave, tucson, AZ, 85705 3204
Personal Loan
11.74%
▼
APR11.74%
Last UpdatedApril 28, 2026
Details
As Low As; 11.74%
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 UpdatedApril 28, 2026
Details
No additional details available.
Vantage West Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.58%
2222 S Craycroft Rd, Tucson, AZ, 85711 6626
Signature Loans
11.95%
▼
APR11.95%
Last UpdatedApril 28, 2026
Details
Minimum $1000, Maximum $50,000
Desert Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
150 E Old West Hwy, Apache Junction, AZ, 85119 0002
Signature Loan (Minimum loan amount of
11.99%
▼
APR11.99%
Last UpdatedApril 28, 2026
Details
$1,000; As Low As
First Internet Bank of Indiana
Institution Rating:
A+5.0 ★Texas Ratio: 1.39%
51 W 3rd St, Tempe, AZ, 85281
Personal Loans
11.99%
▼
APR11.99%
Last UpdatedApril 28, 2026
Details
From 11.99% Annual Percentage Rate (APR)
Alhambra Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.81%
13331 W Indian School Rd Ste 205, Litchfield Park, AZ, 85340
Advanced Payday Loan (APL)
12.00%
▼
APR12.00%
Last UpdatedApril 28, 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 84 Months
12.14%
▼
APR12.14%
Last UpdatedApril 28, 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.
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 UpdatedApril 28, 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
PERSONAL
12.49%
▼
APR12.49%
Last UpdatedApril 28, 2026
Details
As Low As; Fixed
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
3730 N Stone Ave, tucson, AZ, 85705 3204
Personal Loan
12.74%
▼
APR12.74%
Last UpdatedApril 28, 2026
Details
As Low As; 12.74%
Vantage West Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.58%
2222 S Craycroft Rd, Tucson, AZ, 85711 6626
Signature Loans
12.75%
▼
APR12.75%
Last UpdatedApril 28, 2026
Details
Minimum $1000, Maximum $50,000
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 UpdatedApril 28, 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 UpdatedApril 28, 2026
Details
No additional details available.
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
3730 N Stone Ave, tucson, AZ, 85705 3204
Personal Loan
13.49%
▼
APR13.49%
Last UpdatedApril 28, 2026
Details
As Low As; 13.49%
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 UpdatedApril 28, 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 UpdatedApril 28, 2026
Details
As Low As
Vantage West Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.58%
2222 S Craycroft Rd, Tucson, AZ, 85711 6626
Signature Loans
13.75%
▼
APR13.75%
Last UpdatedApril 28, 2026
Details
Minimum $1000, Maximum $50,000
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 UpdatedApril 28, 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 UpdatedApril 28, 2026
Details
As Low As
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
3730 N Stone Ave, tucson, AZ, 85705 3204
Personal Loan
14.99%
▼
APR14.99%
Last UpdatedApril 28, 2026
Details
As Low As; 14.99%
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 UpdatedApril 28, 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
Unsecured Loans
15.45%
▼
APR15.45%
Last UpdatedApril 28, 2026
Details
No additional details available.
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
3730 N Stone Ave, tucson, AZ, 85705 3204
Personal Loan
16.49%
▼
APR16.49%
Last UpdatedApril 28, 2026
Details
As Low As; 16.49%
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 UpdatedApril 28, 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 Loans
17.00%
▼
APR17.00%
Last UpdatedApril 28, 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 UpdatedApril 28, 2026
Details
DIRECT DEPOSIT REQUIRED; APPLICATION FEE: $20.00
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
Short Term Personal Loan
5.00%
▼
APR5.00%
Last UpdatedApril 28, 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 UpdatedApril 28, 2026
Details
As Low As; Terms from 6 to 60 months
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 UpdatedApril 28, 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%
5323 N 99th Ave Ste 220, Glendale, AZ, 85305 2224
Personal Loans
9.99%
▼
APR9.99%
Last UpdatedApril 28, 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 Personal LoanTM
9.99%
▼
APR9.99%
Last UpdatedApril 28, 2026
Details
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!
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 UpdatedApril 28, 2026
Details
As Low As
1st Bank Yuma
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
645 N William Brooks Ave, San Luis, AZ, 85336
Personal Loan
10.50%
▼
APR10.50%
Last UpdatedApril 28, 2026
Details
No additional details available.
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 UpdatedApril 28, 2026
Details
As Low As
Credit Union West Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.00%
20155 N 67th Ave, Glendale, AZ, 85308
Personal Loan
10.99%
▼
APR10.99%
Last UpdatedApril 28, 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
Personal Loans&Lines of Credit
10.99%
▼
APR10.99%
Last UpdatedApril 28, 2026
Details
As Low As; Variable Rate
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
3730 N Stone Ave, tucson, AZ, 85705 3204
Personal Loan
11.24%
▼
APR11.24%
Last UpdatedApril 28, 2026
Details
As Low As; 11.24%
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 UpdatedApril 28, 2026
Details
No additional details available.
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
3730 N Stone Ave, tucson, AZ, 85705 3204
Personal Loan
11.74%
▼
APR11.74%
Last UpdatedApril 28, 2026
Details
As Low As; 11.74%
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 UpdatedApril 28, 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 Loans
11.99%
▼
APR11.99%
Last UpdatedApril 28, 2026
Details
From 11.99% Annual Percentage Rate (APR)
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
3730 N Stone Ave, tucson, AZ, 85705 3204
Personal Loan
12.74%
▼
APR12.74%
Last UpdatedApril 28, 2026
Details
As Low As; 12.74%
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 UpdatedApril 28, 2026
Details
No additional details available.
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
3730 N Stone Ave, tucson, AZ, 85705 3204
Personal Loan
13.49%
▼
APR13.49%
Last UpdatedApril 28, 2026
Details
As Low As; 13.49%
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 UpdatedApril 28, 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 UpdatedApril 28, 2026
Details
As Low As
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
3730 N Stone Ave, tucson, AZ, 85705 3204
Personal Loan
14.99%
▼
APR14.99%
Last UpdatedApril 28, 2026
Details
As Low As; 14.99%
Pima Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.69%
3730 N Stone Ave, tucson, AZ, 85705 3204
Personal Loan
16.49%
▼
APR16.49%
Last UpdatedApril 28, 2026
Details
As Low As; 16.49%
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 UpdatedApril 28, 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 UpdatedApril 28, 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 UpdatedApril 28, 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 UpdatedApril 28, 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 UpdatedApril 28, 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 Loan
8.49%
▼
APR8.49%
Last UpdatedApril 28, 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 UpdatedApril 28, 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 UpdatedApril 28, 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 UpdatedApril 28, 2026
Details
As low as
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 UpdatedApril 28, 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 UpdatedApril 28, 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 UpdatedApril 28, 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.
Vantage West Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.58%
2222 S Craycroft Rd, Tucson, AZ, 85711 6626
Signature Loans
10.49%
▼
APR10.49%
Last UpdatedApril 28, 2026
Details
Minimum $1000, Maximum $50,000
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 UpdatedApril 28, 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 UpdatedApril 28, 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.
Banner Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.93%
9321 W Thomas Rd, Phoenix, AZ, 85037 3389
Signature Loans
10.99%
▼
APR10.99%
Last UpdatedApril 28, 2026
Details
As Low As
Alhambra Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.81%
13331 W Indian School Rd Ste 205, Litchfield Park, AZ, 85340
Signature
10.99%
▼
APR10.99%
Last UpdatedApril 28, 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 UpdatedApril 28, 2026
Details
As Low As
Vantage West Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.58%
2222 S Craycroft Rd, Tucson, AZ, 85711 6626
Signature Loans
11.25%
▼
APR11.25%
Last UpdatedApril 28, 2026
Details
Minimum $1000, Maximum $50,000
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 UpdatedApril 28, 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 UpdatedApril 28, 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.
Vantage West Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.58%
2222 S Craycroft Rd, Tucson, AZ, 85711 6626
Signature Loans
11.95%
▼
APR11.95%
Last UpdatedApril 28, 2026
Details
Minimum $1000, Maximum $50,000
Desert Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.59%
150 E Old West Hwy, Apache Junction, AZ, 85119 0002
Signature Loan (Minimum loan amount of
11.99%
▼
APR11.99%
Last UpdatedApril 28, 2026
Details
$1,000; As Low As
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 UpdatedApril 28, 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.
Vantage West Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.58%
2222 S Craycroft Rd, Tucson, AZ, 85711 6626
Signature Loans
12.75%
▼
APR12.75%
Last UpdatedApril 28, 2026
Details
Minimum $1000, Maximum $50,000
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 UpdatedApril 28, 2026
Details
No additional details available.
Vantage West Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.58%
2222 S Craycroft Rd, Tucson, AZ, 85711 6626
Signature Loans
13.75%
▼
APR13.75%
Last UpdatedApril 28, 2026
Details
Minimum $1000, Maximum $50,000
Powered by
MonitorBankRates
No home improvement personal loan rates found in Arizona currently.
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.
Personal Loan — AZ Avg
12.291%
▲ 1.880 vs 7 days ago
Arizona personal loan rates rose 1.880 points over the past 7 days to 12.291% APR.
Signature Loan — AZ Avg
11.867%
▼ 0.127 vs 7 days ago
Arizona signature loan rates fell 0.127 points over the past 7 days to 11.867% APR.
As of Apr 28, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Frequently Asked Questions
What credit score do I need for a personal loan in Arizona?
Most lenders in 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 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 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 Arizona?
Credit unions in 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 Arizona?
- Firefighters First Federal Credit Union: 4.99% (Fire Station Loan)
- District #6 Federal Credit Union: 5.00% (Short Term Personal Loan)
- Greenwich Municipal Employees Federal Credit Union: 5.00% (Share Pledge Loans)
- San Diego Firefighters Federal Credit Union: 5.24% (Solar Energy Loan)
- USAA Federal Savings Bank: 5.73% (VA Interest Rate Reduction Refinance Loan, or IRRRL)
Personal Loan Rates reflect actual verified offers from banks and credit unions actively lending in Arizona. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: April 27, 2026.
