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Personal Loans in Arizona

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Arizona Personal Loans

Personal loans in Arizona are readily available, so you’ll have plenty of options. However, the more options, the more confusion. When reviewing offers it’s not just about the monthly payment, but the fees, interest rate, term, loan amount, and so much more. A tip for comparing offers – focus on the fees and the total cost of the loan. To simplify personal loan shopping in Arizona, let Acorn Finance help.

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How To Apply For Personal Loans in Arizona

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Learn More About Personal Loans in Arizona

Keep reading to learn more about personal loans in Arizona.

Read more - FAQ

Where can I get a loan in Arizona?

In the state of Arizona, consumers have a few different choices of financial institutions when it comes to applying for a loan. Personal loans, mortgage loans, business loans, and other types of financing can be obtained from a bank, credit union, or an online lender. Online lenders and credit unions often have the best deals on loans with the lowest rates and most flexible loan terms.

Can you get a personal loan in Arizona?

If you live in Arizona, or are just visiting, you can get a personal loan.But first, you'll need to qualify. Requirements can vary depending on the lender so you may need to shop around, especially if you have limited income or credit challenges. Personal loans offer several advantages to consumers including fast access to cash, high loan limits, relatively flexible loan terms, and lenient application requirements. They are often used for financing home improvements, emergency expenses, weddings, vacations, and more. They can also be used for debt consolidation. While borrowing money costs money, personal loans can help improve your life and reduce stress in many cases.

What is the minimum loan amount in Arizona?

Minimum loan amounts for personal loans are usually determined by the lender, not the state. Lenders usually have a minimum and maximum loan amount. Before applying, you may want to check on these limits to ensure the lender can accommodate your needs.

What is a jumbo loan amount in Arizona?

In the state of Arizona, the conforming loan limit is $647,200 for 1 unit across all counties and the FHA loan limit is $420,680 for 1 unit with the exception of Coconino County, Maricopa County and Pinal County. In Coconino County, the FHA loan limit is $423,200 and in Maricopa and Pinal counties the limit is $441,600. Jumbo loans may require more paperwork and stricter application requirements including a higher credit score and higher minimum income.

What is the maximum interest rate allowed in Arizona?

Many states have usury laws on the books that regulate the maximum interest rate allowed and impose penalties on lenders who violate those restrictions. These laws are in place to protect consumers from predatory lenders and unscrupulous lending practices. High interest rates can make it difficult or impossible to pay back your loan balance in a timely manner.
Arizona has a maximum interest rate of 10% on all types of financing, although "any rate may be agreed and contracted upon." This clause means that you must be careful to read through the terms of your credit card or personal loan very thoroughly before signing on the dotted line.
If you have a low credit score, you may be especially susceptible to being charged high interest rates from various financial institutions and online lenders. Be sure to shop around, compare rates, and consider getting prequalified before applying for your next personal loan.

Does Arizona offer installment loans?

The state of Arizona offers a variety of different installment loans including mortgage loans, personal loans, business loans, student loans, and auto loans.
Residents in most states can also take out payday loans (which are not a form of installment loan) but these loans are prohibited in the state of Arizona. Fortunately, short-term personal loans can offer consumers a viable alternative to using payday loans.
Installment loans are often the best solution to a variety of personal and financial needs. These loans are distributed out to consumers in a single lump sum and then paid back over time with equal monthly payments. They can be structured as secured or unsecured loans with either a fixed or variable interest rate.
The best installment loans offer low interest rates, large loan amounts, and flexible loan terms. To find the best deal on an installment loan in the state of Arizona, be sure to shop around by comparing different lenders online.

What Arizona bank is easiest to get a personal loan from?

When it comes time to apply for your personal loan, there are a few different options for you to choose from. You can seek out a loan from a local bank, credit union, or online lender. If you choose to go through a bank, here are some of the top banks in the state of Arizona according to customer reviews: Bank 34, Foothills Bank, KS StateBank, Johnson Bank, Zions Bank, OneWest Bank, MidFirst Bank, and Bell Bank.
Any of these community banks would make a great choice for your next personal loan.
If you prefer to use a credit union for your banking, the following credit unions have gained popularity in the state of Arizona: Tucson Federal Credit Union, Navy Federal Credit Union, State Farm Federal Credit Union, SunWest Credit Union and Mohave Community Federal Credit Union. Depending on where you live and work, you may be able to apply for a loan using the services of one of these top-rated Arizona credit unions.
Additionally, using an online lender for your financial services including personal loans is often a smart choice. Online lenders allow consumers fast access to cash in amounts of up to $100,000 with extended loan terms and flexible underwriting requirements. As long as you meet the minimum credit score and income requirements, you should be well on your way to getting the funds you need within just a few business days.

Is it a good idea to get a personal loan in Arizona?

Personal loans are almost always a good idea for funding a wide variety of unexpected life expenses and major purchases. They can also be a good idea for debt consolidation. Compared to credit cards, personal loans can extend more money at reduced cost. In addition they offer fixed monthly payments making them more manageable.
One of the best perks of using a personal loan is that the use of your funds is essentially unrestricted, allowing you to use your loan proceeds for whatever you need. To find the best personal loan offers in Arizona, visit Acorn Finance. Acorn Finance has a network of top-rated lenders that are ready to compete and earn your business. Within 60 seconds or less you can receive personal loan offers with no impact on your credit score. This makes it easy to compare offers side-by-side and choose the best one without running all over town.

Considering a personal loan in Arizona? Check offers today with no impact on your credit score!

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Frequently Asked Questions

How can Arizona residents find the best personal loan?

We get it; you’re busy. Shopping for a loan can be overwhelming and time-consuming. So, how do you shop for offers and make educated decisions without the headache? Acorn Finance can help.

From the comfort of your home, office, a sideline of your kid's soccer game, or just about anywhere you have access to the internet, you can check rates. Our network of top national lending partners work to earn your business. With access to multiple lenders all in one place, you can compare offers without the hassle - or credit score impact!

Before you apply for a personal loan, you may want to check your credit score if you’re unfamiliar with it. Offers will be more likely to be returned for borrowers with fair, good, average, or excellent credit. Most lenders on the Acorn Finance platform have a credit score cutoff of 600 or above.

Need to boost your credit score? Take advantage of credit monitoring services to check your credit score and gain insight as to how to boost your score. Learning how your credit score works and what impacts it is a pivotal puzzle piece in every individual’s credit journey. 

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What are the different types of personal loans in Arizona?

While personal loans can be interpreted broadly, they are a type of installment loan. There are two main types of personal loans: secured and unsecured. Most personal loans are unsecured. A loan from a friend or family member can also be considered a personal loan. However, the proper description of a personal loan is an installment loan from a financial institution or bank. 

Secured and unsecured personal loans work similarly. They are both funded as a lump sum to be repaid in installments with interest. However, secured personal loans are backed by collateral, and unsecured loans are not. Collateral requirements can vary from lender to lender but can include real estate or vehicles, as an example.  

What are the best personal loans for Arizona residents? 

The best personal loan will depend on what you can qualify for. As you shop offers, consider the following to help you pick the best offer. 

  • Origination fees: Also known as an upfront fee, origination fees can be charged by a lender to process a new loan. Origination fees are generally calculated as a percentage of the total loan amount. 
  • Fixed APR: Fixed monthly payments are more predictable and often simpler to budget. If the APR is fixed, the payment should be fixed, too. If the APR is variable, then the required monthly payment is likely variable, too. While variable rates can sometimes benefit borrowers, some of the best loans come with fixed APRs. 
  • No early repayment penalties: The lenders featured on our list do not charge repayment penalties. This allows borrowers to pay off their loan early to save money on interest and potentially other fees, too. As a result of paying off the loan, your credit score may increase.
  • Streamlined application process: We love hassle-free processes, don’t you? Some lenders can be difficult to do business with. A red flag that challenges are ahead starts with the application process. Find lenders with streamlined application processes that can deliver fast loan decisions. At Acorn Finance, you can check rates in a matter of seconds with just a little bit of personal information. Our platform leverages advanced technology to match borrowers and lenders. As a result, you can narrow down the best loan options faster.
  • Funding options and speed: At Acorn Finance, our lending partners can fund loans in as little as 1-2 business days, although funding times may vary. Fast funding can be a reflection of a streamlined process and a lender that’s using advanced technology. 
  • Borrower perks: Some lenders offer perks for borrowers, such as credit monitoring services or auto payment discounts. Additionally, some lenders offer convenient smartphone apps and online portals to manage accounts. Review the lender and what they can offer as part of your decision as to who is best.
  • Support: While you may be asking to borrow money, you’re still a customer. Read customer reviews and notice how the lender makes customers feel. You will be doing business with the lender you choose, and therefore, you want a lender that’s easy to work with and delivers top-notch customer service. 
  • APR: In most cases, the loan process starts with a pre-qualified offer. Following the offer, the borrower accepts the offer, and the underwriting process begins. Once the applicant is verified, a final approval is usually issued. The offer can change during this process, depending on what the lender finds. Be sure you monitor the APR and other factors of the loan to ensure you are getting the deal you originally said yes to. Focusing on total loan costs is a more accurate representation of the cost of the loan compared to the monthly payment. 
  • Collateral: Some personal loans require collateral. These are known as secured personal loans. While secured personal loans can offer perks such as competitive offers, thanks to less risk to the lender, there are some downsides, too. Secured personal loans can take longer to fund compared to unsecured loans. Additionally, you will need collateral you can back the loan with. If you default on the loan, collateral can be seized by the lender. There are consequences for defaulting on secured and unsecured loans. 

How do you compare personal loans in Arizona?

The online marketplace makes comparing personal loan offers more accessible in 2024. With technology rapidly advancing, the internet has become more and more life-changing. From secure platforms to check offers to AI technology that lenders can use to predict borrower behavior, technology has influenced the personal loan process (for the better). To compare personal loans in Arizona, you can go from bank to bank or bank to credit union, or you can check rates in seconds at Acorn Finance online. Checking rates at Acorn does not impact credit score. Take advantage of our top national lenders who want to earn your business. 

How do personal loans in Arizona work?

Personal loans are installment loans. Typically, they are funded as a lump sum with a predetermined repayment period. Payments are usually fixed, meaning they will not fluctuate. Personal loans have few spending restrictions, which gives borrowers flexibility. In a nutshell, here are five steps that outline how a personal loan works. 

  1. Prequalification
  2. Offer Acceptance
  3. Approval
  4. Funding
  5. Repayment

When are personal loans in Arizona worth it?

As we’ve explained, personal loans are installment loans with few spending restrictions. To determine if a personal loan is worth it and or the best option, you will need to consider your situation and ability to repay. You may also want to consider the requirements to qualify. Personal loans are commonly used for positive spending activities such as home improvements, education, weddings, engagement rings, medical expenses, and more. 

List pros & cons of Personal Loans in Arizona:


  • Few spending restrictions 
  • Fast funding 
  • Compare offers online
  • Access to a lump sum of cash 


  • Interest and fees
  • Payment commitment 
  • Risk of impacting credit score negatively 

Why choose Acorn Finance for comparing personal loans in Arizona?

Beat the heat and shop personal loan offers from your own space, at home, or on the go. At Acorn, we want to simplify the process of finding the best personal loan offer. We’ve created a platform that allows you to check personal loan rates in seconds with no credit score impact. With access to top national lenders and personal loan offers of up to $100,000, depending on credit score, Acorn Finance empowers Arizona residents. 

Pros and cons of lenders Personal Loans in Arizona:


Best for home improvement loans 

Minimum qualifications: 

  • Minimum credit score requirement of 660 or above 
  • Minimum income requirement of $50,000/year


  • No origination fees
  • Funding as soon as one business day on approved loans, although funding times can vary
  • Competitive loan offers
  • Allows co-signer
  • Large personal loans available 
  • Flexible repayment periods up to 12 years


  • Strict qualification requirements
  • No access to pre-qualify through the LightStream website (When applying directly, you can get pre-approved but not pre-qualified, therefore, you may be subject to a hard credit pull. To get pre-qualified with LightStream, check offers through Acorn Finance to see if you qualify.)
  • No direct payment to creditors for debt consolidation loans


Best for online personal loans for borrowers with next-to-perfect credit

Minimum qualifications:

  • Minimum credit score requirement of 680 or above 
  • Minimum income requirement of $50,000/year


  • Flexible loan amounts and repayment terms
  • No origination fees
  • Competitive interest rates
  • Funding as soon as one business day on approved loans, although funding times can vary
  • Allows cosigner applications
  • Unemployment protection available


  • High credit score requirement
  • Approvals may take 3 days or more

Best Egg

Best for personal loans for borrowers with fair credit 

Minimum qualifications:

  • Minimum credit score requirement of 600 or above 
  • No minimum income requirement 


  • Fair credit scores can qualify
  • No minimum income requirement
  • Same or next day funding available, although funding times can vary


  • Not available in some states
  • Origination fees between 0.99% and 6.99%
  • Higher APRs


Best for peer-to-peer loans

Minimum qualifications:

  • Minimum credit score requirement of 600 or above 
  • No minimum income requirement 


  • Low threshold for credit score
  • No minimum income requirement
  • Flexibility to change payment dates
  • Offers peer-to-peer lending


  • Long funding times
  • Origination and late fees may apply
  • No rate discount for autopay is available
  • Restrictive repayment periods
  • Funding may take about 5 business days 


Best for bad credit personal loans 

Minimum qualifications:

  • Minimum credit score requirement of 560 or above 
  • No minimum income requirement


  • Low credit score requirement
  • No early payoff penalty
  • Joint applications allowed
  • Funding as soon as one business day on approved loans, although funding times can vary


  • Origination fees between 2.9% to 8%
  • Higher APRs, especially for subprime borrowers

Axos Bank

Best for refinancing existing personal loan

Minimum qualifications:

  • Minimum credit score requirement of 700 or above 
  • Minimum income requirement $48,000/year


  • Low origination fees
  • Mobile app to manage loans
  • Fast funding times
  • Funding as soon as one business day on approved loans, although funding times can vary


  • High credit score requirement
  • Origination fee up to 2%

OneMain Financial

Best for borrowers with less-than-perfect credit who need fast funding for a personal loan

Minimum qualifications:

  • Minimum credit score requirement of 600 or above 
  • Minimum income requirement $7,200/year


  • Low credit score requirement
  • Offers secured loan option
  • Low income requirement
  • Flexibility to choose your payment date
  • Fast funding times


  • High interest compared to similar lenders
  • Origination fee between 1% – 10% (or flat fee up to $500 depending on state)


Best for fair credit personal loans with fast funding

Minimum qualifications:

  • Minimum credit score requirement of 600 or above 
  • Minimum income requirement $30,000/year


  • Low origination fees
  • Relaxed credit score and income requirements
  • Same or next-day funding is available, although funding times can vary


  • No joint applications
  • High loan costs
  • Short repayment periods 

Lending USA

LendingUSA is best for one-time purchases or uses, such as cosmetic surgery financing, pet financing, funeral financing, and more. LendingUSA offers loans for a variety of industries. Loans can be obtained through the LendingUSA website or through a merchant partner that refers to LendingUSA. 

One of the main highlights of LendingUSA is their offer to pay off a loan balance within 6 months. By doing so, 

no interest will be charged to the principal. 

Reprise Financial

Reprise Financial can help borrowers find personal loan offers that meet their needs. In order to help borrowers obtain funds quickly, Reprise works to streamline the personal loan process. With customized payment options and fixed rates, check personal loan offers at Reprise Financial. 

Similar to Acorn, one of the main highlights of Reprise Financial is the ability to shop and compare offers. 

Universal Credit

For borrowers with bad credit, Universal Credit may be your golden ticket to the funds you need. With a minimum credit score requirement of only 560, Universal Credit is a top choice for subprime borrowers. While loan costs may be higher, they usually are when it comes to borrowing money with bad credit. 

One of the main highlights of Universal Credit is their relaxed requirements.

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