Best Personal Loan Rates in Phoenix, 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 Phoenix, Arizona include: San Diego Firefighters Federal Credit UnionSan Diego Firefighters Federal Credit Union4801 E Thistle Landing Dr, Phoenix, AZ, 85044 6459A+5.0 ★Texas Ratio: 0.91% offering Model Years 2021 and Newer UP TO 120% Loan at 4.19% APR, USAA Federal Savings BankUSAA Federal Savings Bank1 Norterra Dr, Phoenix, AZ, 85085A-5.0 ★Texas Ratio: 14.77% offering VA purchase loan at 6.49% 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 One- or two-step close Loan at 7.09% APR, Notre Dame Federal Credit UnionNotre Dame Federal Credit Union4645 N 32nd St Ste 100A, Phoenix, AZ, 85018 3389A+5.0 ★Texas Ratio: 4.34% offering Equifast Loan at 7.25% APR, and 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. Personal loan rates as of May 22, 2026 according to verified data from MonitorBankRates.
Phoenix has 19 local institutions in our database, with personal loan rates as low as 4.19% APR from San Diego Firefighters 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: May 22, 2026
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over $250,000; As Low As; 30 year term, due in 15 years; No prepayment penalties; Personal guarantees may be waived
up to $250,000; As Low As; No prepayment penalties; Personal guarantees may be waived
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As Low As; Up to 240 Months, Maximum Loan Amount $125,000
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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!
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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; *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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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; Terms up to: 60 months
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.
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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APPLICATION FEE: $20.00
Limited time promo
As Low As; Maximum Loan amount is $20,000.00, term is based on amount borrowed.
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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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; *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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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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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 0.044 points over the past 7 days to 11.900% APR.
Arizona signature loan rates rose 0.148 points over the past 7 days to 12.117% 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?
- San Diego Firefighters Federal Credit Union: 4.19% (Model Years 2021 and Newer UP TO 120% Loan)
- USAA Federal Savings Bank: 6.49% (VA purchase loan)
- Mountain America Federal Credit Union: 7.09% (Construction One- or two-step close Loan)
- Notre Dame Federal Credit Union: 7.25% (Equifast Loan)
- Interfaith Federal Credit Union: 7.25% (Church Loans)
Personal Loan Calculators
