Best Personal Loan Rates in Mesa, Arizona (AZ) - April 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 Mesa, Arizona include: Banner Federal Credit UnionBanner Federal Credit Union2225 W Southern Ave, Mesa, AZ, 85202A+5.0 ★Texas Ratio: 1.93% offering Loan at 6.50% APR, America First Federal Credit UnionAmerica First Federal Credit Union6846 E Warner Rd, Mesa, AZ, 85212 2138A5.0 ★Texas Ratio: 8.12% offering Lot Loan- 20/5YR Balloon Variable at 6.82% APR, Mountain America Federal Credit UnionMountain America Federal Credit Union4325 E Southern Ave, Mesa, AZ, 85206A5.0 ★Texas Ratio: 11.38% offering Construction loan at 7.25% APR, SunWest Federal Credit UnionSunWest Federal Credit Union1253 S Gilbert Rd, Mesa, AZ, 85204A+5.0 ★Texas Ratio: 3.72% offering Personal Loans at 9.99% APR, and Vantage West Credit UnionVantage West Credit Union1239 E McKellips Rd Ste 110, Mesa, AZ, 85203 2700A5.0 ★Texas Ratio: 6.58% offering Signature Loans at 10.49% APR. Personal loan rates as of April 9, 2026 according to verified data from MonitorBankRates.
Mesa has 8 local institutions in our database, with personal loan rates as low as 6.50% APR from Banner Federal Credit Union at 2225 W Southern Ave, Mesa, AZ, 85202. 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 Mesa, Arizona.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Mesa, 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 9, 2026
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Minimum $1000, Maximum $50,000
As Low As; Variable Rate
Minimum $1000, Maximum $50,000
No additional details available.
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Minimum $1000, Maximum $50,000
$1,000; As Low As
As Low As; Fixed
Minimum $1000, Maximum $50,000
No additional details available.
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Minimum $1000, Maximum $50,000
No additional details available.
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No additional details available.
No additional details available.
No additional details available.
Use the money in your account as Collateral for a loan
As Low As; Maximum Loan Amount: $125,000
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No additional details available.
No additional details available.
$5,000 for Individuals / $10,000 for Churches
Refinance up to 100% of the value of your home. A variety of terms are available. Option to finance the funding fee.
No additional details available.
As Low As; Maximum Loan Amount: $125,000
No additional details available.
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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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No additional details available.
Credit Score 725+
Credit Score 725+
No additional details available.
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As Low As; Maximum Loan Amount: $125,000
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over $250,000; As Low As; 5 year adjustable - starting at
Credit Score 725+
$2,000; Credit Score 725+
Credit Score 725+
up to $250,000; As Low As; 10 year fixed
No additional details available.
Payable directly to the IRS
As Low As; Maximum Loan Amount: $125,000
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No additional details available.
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As Low As; Including Debt Consolidation
No additional details available.
As Low As; Terms from 6 to 60 months
Qualifying balance up to $20,000.00
As Low As; Maximum Loan amount is $20,000.00, term is based on amount borrowed.
No additional details available.
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As Low As; *APR = Annual Percentage Rate. All loans subject to credit approval. Rates subject to change without notice.
As Low As; *APR = Annual Percentage Rate. All loans subject to credit approval. Rates displayed are the lowest rates available including a discount for automatic payment. Rates subject to change without notice. Rates and term subject to credit qualification.
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$1 - $2,500
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No additional details available.
As Low As; See note 1
$2,501 - $5,000
No additional details available.
No additional details available.
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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$5,001 - $7,000
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.
$7,001 - $10,000
No additional details available.
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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.
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~ $80,000 - 150,000 (Depends on Score)
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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.
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No additional details available.
Personal Line of Credit
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.
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MAXIMUM AMOUNT: $125,000.00
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$50.00 non-refundable application fee/Non-credit qualification; Credit Score 725+
$0.00-$20,000.00
Fixed Interest Rate
$50.00 Application Fee
DIRECT DEPOSIT REQUIRED; APPLICATION FEE: $20.00
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As Low As; Variable Rate
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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; See note 1
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!
No additional details available.
No additional details available.
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Personal Line of Credit
As Low As; Terms up to: 60 months
No additional details available.
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Minimum $1000, Maximum $50,000
Minimum $1000, Maximum $50,000
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Minimum $1000, Maximum $50,000
$1,000; As Low As
Minimum $1000, Maximum $50,000
Minimum $1000, Maximum $50,000
No additional details available.
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No additional details available.
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As Low As; Including Debt Consolidation
No additional details available.
As Low As; *APR = Annual Percentage Rate. All loans subject to credit approval. Rates displayed are the lowest rates available including a discount for automatic payment. Rates subject to change without notice. Rates and term subject to credit qualification.
No additional details available.
$1 - $2,500
$2,501 - $5,000
$5,001 - $7,000
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.
$7,001 - $10,000
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.
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No additional details available.
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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; *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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Mesa, AZ Personal Loan Rate Trends
Compare local Mesa, 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 1.955 points over the past 7 days to 10.555% APR.
Arizona signature loan rates fell 0.314 points over the past 7 days to 12.005% 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 Mesa, Arizona?
What are the best personal loan rates in Mesa, Arizona?
- Banner Federal Credit Union: 6.50% (Loan)
- America First Federal Credit Union: 6.82% (Lot Loan- 20/5YR Balloon Variable)
- Mountain America Federal Credit Union: 7.25% (Construction loan)
- SunWest Federal Credit Union: 9.99% (Personal Loans)
- Vantage West Credit Union: 10.49% (Signature Loans)
Personal Loan Calculators
