Best Personal Loan Rates in Surprise, 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 Surprise, Arizona include: SunWest Federal Credit UnionSunWest Federal Credit Union14865 W Bell Rd, Surprise, AZ, 85374 7600A+5.0 ★Texas Ratio: 3.53% offering Personal Loan at 7.90% APR, Credit Union West Credit UnionCredit Union West Credit Union16765 N Litchfield Rd, Surprise, AZ, 85374A+5.0 ★Texas Ratio: 2.75% offering Personal Loan at 10.99% APR, Desert Financial Credit UnionDesert Financial Credit Union13770 W Bell Rd, Surprise, AZ, 85374A+5.0 ★Texas Ratio: 1.53% offering Signature Loan (Minimum loan amount of at 11.99% APR, San Diego Firefighters Federal Credit UnionSan Diego Firefighters Federal Credit UnionA+5.0 ★Texas Ratio: 0.91% offering Model Years 2021 and Newer UP TO 120% Loan at 4.19% APR, and District #6 Federal Credit UnionDistrict #6 Federal Credit UnionA5.0 ★Texas Ratio: 10.35% offering Short Term Personal Loan at 5.00% APR. Personal loan rates as of May 23, 2026 according to verified data from MonitorBankRates.
Surprise has 3 local institutions in our database, with personal loan rates as low as 7.90% APR from SunWest Federal Credit Union at 14865 W Bell Rd, Surprise, AZ, 85374 7600. 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 Surprise, Arizona.
Personal loan rates reflect recent market quotes and representative offers available to borrowers in Surprise, 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 23, 2026
Surprise Personal Loan Rates
Limited time promo
No additional details available.
Fixed
$1,000; As Low As
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No additional details available.
As Low As; Up to 60 Months, Maximum Loan Amount $125,000
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As Low As; Up to 120 Months, 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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$12,000
No additional details available.
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As Low As; Up to 180 Months, Maximum Loan Amount $125,000
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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
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$20,000
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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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No additional details available.
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As Low As
As Low As; Terms from 6 to 60 months
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As Low As; Maximum Loan amount is $20,000.00, term is based on amount borrowed.
No additional details available.
As Low As;%
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.
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As Low As;%
As Low As
As Low As
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.
Minimum $1000, Maximum $50,000
No additional details available.
As Low As
As Low As
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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As Low As; Variable Rate
No additional details available.
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As Low As
As Low As
Minimum $1000, Maximum $50,000
No additional details available.
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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.
As Low As
Minimum $1000, Maximum $50,000
As Low As; Terms up to: 60 months
No additional details available.
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.
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.
As Low As
As Low As
As Low As; Fixed
As Low As
Minimum $1000, Maximum $50,000
No additional details available.
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Minimum $1000, Maximum $50,000
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As Low As
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As Low As
No additional details available.
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Surprise Personal Loan Rates
Limited time promo
No additional details available.
Fixed
No additional details available.
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; 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
As Low As
As Low As; Variable Rate
As Low As
As Low As
As Low As
As Low As; Terms up to: 60 months
As Low As; Fixed
As Low As
As Low As
No additional details available.
No additional details available.
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Surprise Debt Consolidation Loan Rates
No additional details available.
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No additional details available.
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Surprise Signature Loan Rates
$1,000; As Low As
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.
As Low As
No additional details available.
As Low As
As Low As
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.
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.
Minimum $1000, Maximum $50,000
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.
No additional details available.
No additional details available.
As Low As
As Low As
Minimum $1000, Maximum $50,000
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.
Minimum $1000, Maximum $50,000
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.
Minimum $1000, Maximum $50,000
No additional details available.
Minimum $1000, Maximum $50,000
No additional details available.
No additional details available.
No additional details available.
Surprise, AZ Personal Loan Rate Trends
Compare local Surprise, 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 Surprise, 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 Surprise, 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 Surprise, 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 Surprise, Arizona?
What are the best personal loan rates in Surprise, Arizona?
- SunWest Federal Credit Union: 7.90% (Personal Loan)
- Credit Union West Credit Union: 10.99% (Personal Loan)
- Desert Financial Credit Union: 11.99% (Signature Loan (Minimum loan amount of)
- San Diego Firefighters Federal Credit Union: 4.19% (Model Years 2021 and Newer UP TO 120% Loan)
- District #6 Federal Credit Union: 5.00% (Short Term Personal Loan)
Personal Loan Calculators
