Best Personal Loan Rates in Phoenix, Arizona - June 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 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 6.27% APR, Banner Federal Credit UnionBanner Federal Credit Union9321 W Thomas Rd, Phoenix, AZ, 85037 3389A+5.0 ★Texas Ratio: 1.85% offering 24 months Loan at 6.75% 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 7.25% 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 June 11, 2026 according to verified data from MonitorBankRates.
Phoenix has 13 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: June 11, 2026
Phoenix Personal Loan Rates
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Equifast
up to $250,000; No prepayment penalties; Personal guarantees may be waived
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Including Debt Consolidation; As Low As
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Maximum $50,000
Regular APR: 11.49%
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$1,000; As Low As
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Regular APR: 12.49%
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Regular APR: 15.99%
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Maximum loan amount: Up to 100% of the available certificate balance
APR without Autopay: 5.99%
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APR without Autopay: 6.24%
APR without Autopay: 6.24%
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APR without Autopay: 6.74%
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As Low As; All rates effective as of Tuesday, July 15, 2025 12:00 AM MST. Rates may be higher according to an applicant's credit history and additional underwriting factors. Course of Construction Insurance is required. Ask your loan originator what other qualifications apply. All rates are subject to change without notice. Adjustable APRs may increase or decrease after loan consummation, with a maximum APR of 18%.
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As Low As; All rates effective as of Tuesday, July 15, 2025 12:00 AM MST. Rates may be higher according to an applicant's credit history and additional underwriting factors. Course of Construction Insurance is required. Ask your loan originator what other qualifications apply. All rates are subject to change without notice. Adjustable APRs may increase or decrease after loan consummation, with a maximum APR of 18%.
As Low As; All rates effective as of Tuesday, July 15, 2025 12:00 AM MST. Rates may be higher according to an applicant's credit history and additional underwriting factors. Course of Construction Insurance is required. Ask your loan originator what other qualifications apply. All rates are subject to change without notice. Adjustable APRs may increase or decrease after loan consummation, with a maximum APR of 18%.
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Max APR: 11.24%
As Low As; All rates effective as of Tuesday, July 15, 2025 12:00 AM MST. Rates may be higher according to an applicant's credit history and additional underwriting factors. Course of Construction Insurance is required. Ask your loan originator what other qualifications apply. All rates are subject to change without notice. Adjustable APRs may increase or decrease after loan consummation, with a maximum APR of 18%.
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As Low As; All rates effective as of Tuesday, July 15, 2025 12:00 AM MST. Rates may be higher according to an applicant's credit history and additional underwriting factors. Course of Construction Insurance is required. Ask your loan originator what other qualifications apply. All rates are subject to change without notice. Adjustable APRs may increase or decrease after loan consummation, with a maximum APR of 18%.
As Low As; All rates effective as of Tuesday, July 15, 2025 12:00 AM MST. Rates may be higher according to an applicant's credit history and additional underwriting factors. Course of Construction Insurance is required. Ask your loan originator what other qualifications apply. All rates are subject to change without notice. Adjustable APRs may increase or decrease after loan consummation, with a maximum APR of 18%.
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Maximum loan amount: $30,000
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As Low As; Payments from $22.25 per $1,000 for 60 months
Maximum loan amount: $30,000
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. Interest rate is variable and may change after loan funding.
Fixed
Maximum loan amount: $30,000
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Phoenix Personal Loan Rates
As Low As; Maximum Loan amount is $20,000.00, term is based on amount borrowed.
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Phoenix Debt Consolidation Loan Rates
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Phoenix Signature Loan Rates
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Maximum loan amount: $30,000
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Maximum loan amount: $30,000
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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 fell 0.998 points over the past 7 days to 10.759% APR.
Arizona signature loan rates rose 0.048 points over the past 7 days to 12.212% 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 Loan)
- USAA Federal Savings Bank: 6.27% (VA purchase loan)
- Banner Federal Credit Union: 6.75% (24 months Loan)
- Mountain America Federal Credit Union: 7.25% (Construction One- or two-step close Loan)
- Interfaith Federal Credit Union: 7.25% (Church Loans)
Personal Loan Calculators
