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, 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, 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, and Desert Financial Credit UnionDesert Financial Credit Union4405 E McKellips Rd, Mesa, AZ, 85215A+5.0 ★Texas Ratio: 1.59% offering Signature Loan (Minimum loan amount of at 11.99% APR. Personal loan rates as of April 27, 2026 according to verified data from MonitorBankRates.
Mesa has 6 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 27, 2026
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Use the money in your account as Collateral for a loan
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up to $250,000; No prepayment penalties; Personal guarantees may be waived
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Qualifying balance up to $20,000.00
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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!
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; *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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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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$0.00-$20,000.00
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DIRECT DEPOSIT REQUIRED; APPLICATION FEE: $20.00
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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; *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; *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; *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 rose 1.880 points over the past 7 days to 12.291% APR.
Arizona signature loan rates fell 0.127 points over the past 7 days to 11.867% 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)
- SunWest Federal Credit Union: 9.99% (Personal Loans)
- Vantage West Credit Union: 10.49% (Signature Loans)
- Desert Financial Credit Union: 11.99% (Signature Loan (Minimum loan amount of)
Personal Loan Calculators
