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Phoenix Personal Loans For Good & Bad Credit

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Personal Loans Near Me In Phoenix, AZ

Local Retail vs. Online

Phoenix, Arizona, is a popular place to call home, but despite its cheaper cost of living, families or individuals often need loans. Loans can offer funds to help overcome a financial burden, emergency, make home repairs you’ve daydreamed about, and more. Personal loans come with few spending restrictions and are offered in amounts up to $100,000 by some lenders, depending on credit score. When it comes to borrowing money, though, the cost of the loan and or monthly payment can make or break the deal. Therefore, you’ll want to compare offers before accepting an offer. Starting the personal loan shopping process online is a convenient way to explore options from national and local lenders. This search can even lead you to local lenders with branch locations, such as our lending partner, OneMain Financial. At Acorn, we help streamline the personal loan shopping process by allowing consumers to access 

our network of trusted lending partners. In seconds, you can check rates with no credit score impact. Here’s what you should know about getting a personal loan in Phoenix, Arizona. 

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Frequently Asked Questions

How do I find the best personal loans near me?

Beat the Phoenix heat and shop personal loans online. The online marketplace is competitive, which can benefit consumers as lenders compete to earn your business. Online consumers can find lenders and offers with a few clicks. Retail lenders can take advantage of the security of having a customer face-to-face. While in-person service can be beneficial, you may want to explore your options online before visiting retail branch locations. 

At Acorn Finance, you can compare lenders and check rates in seconds with no credit score impact. Review what you qualify for, and you can even pick up where you left off at a later date if offers are still valid. We understand the complexity of loans and are committed to delivering a simple loan shopping process, specifically for personal loans. Once you’ve studied your offers, you can narrow down your top choices. If you are in the Phoenix area, you can visit 1 of the 3 OneMain Financial branches, should you choose to work with them. Before setting out to any branch, it can be helpful to arrive with knowledge of what offers you have on the table. 

Where can I get a personal loan near me?

There are two main options when it comes to getting a personal loan in San Antonio.

  1. Online
  2. Retail branch locations

Starting the search online can expand your options and help point you in the right direction. Get started by checking offers at Acorn Finance with no credit score impact. If our lending partner, OneMain Financial, is a lender you’re considering, you can visit one of their 3 Phoenix branch locations

What is OneMain Financial? Does OneMain have a location for personal loans near me? 

OneMain Financial is a trusted lender in our network.  At Acorn Finance, our lending marketplace connects you to top national lenders. With various requirements, our lending partners can help a variety of borrowers. 

OneMain Financial views more than just an applicant’s credit score - because you are so much more than that. With lending partners like OneMain Financial, our network can help you find the loan that sets you up for success. OneMain Financial also has 3 branch locations in Phoenix

Why choose Acorn Finance for comparing loan options near you & online?

Acorn Finance cares, and while that’s valuable, our value goes far beyond that. Acorn Finance offers consumers a platform that allows them to check rates from our trusted lending network with no credit score impact. While the internet is an attractive place to check loan offers, you may have some reservations about the security and differentiating legitimate from illegitimate lenders. The next reason you can benefit from choosing Acorn Finance. Our hand-selected lending partner is composed of trusted lending partners. The reasons to choose Acorn don’t stop there, though. 


  1. Expand options and save time: At Acorn, you can check rates in seconds with no credit score impact. Access to loan options can help you choose the one that works best for you rather than choosing the only offer you had time to find. 
  2. Support: In partnership with our lending partners, we are here to support the success of our customers. From competitive offers to personalized options, our lending network will work hard to earn your business. Our lending partner, OneMain Financial, has 3 branch locations in Phoenix. OneMain Financial looks at more than just your credit score, as they believe each individual is so much more than that. 
  3. More lenders = more opportunity: Lenders have their own requirements one has to meet to qualify for a loan. With the ability to shop offers from various lenders in one place, you can increase your chance of returning an offer. Acorn Finance is proud to partner with trusted lending partners, ready to serve you in partnership with Acorn.

When would getting a loan near me be a better option?

While there are plenty of benefits to shopping or getting a loan online, in some cases, individuals may prefer in-person assistance. This is one reason you might prefer the local retail market for loans as opposed to the Internet. Other reasons might include a lack of internet access or knowledge of how to navigate online. 

However, the online marketplace offers perks such as:

  • Convenience
  • Access to more offers
  • Fast funding times 
  • Competitive marketplace
  • Less strict requirements (in some cases)

Choose the option that’s best for you, and most importantly, make sure you have the information you need to make the right decision. 

What should you look for when comparing personal loan offers?

Comparing personal offers can be overwhelming, but when you know what to look for, you can compare offers with more confidence. Aside from monthly payments, here are some things you should look for when comparing personal loan offers. 

  • Fees: Personal loans often come with fees such as origination fees. Origination fees are often deducted from the total loan amount, something to consider as you might not receive the full loan amount you’re counting on. Origination fees can vary but are usually a percentage of the total loan amount. 
  • APR: The interest rate and fees can impact the total loan cost. Note the APR or total loan cost to determine what borrowing money will cost. The lowest monthly payment does not equate to the cheapest loan.
  • Lender perks: Some lenders offer advantages such as credit score monitoring or autopay discounts. You’ll want to work with a lender that supports your success. 
  • Funding times: Some lenders can fund loans faster than others. If you need funds quickly, funding times might be more important to you. 
  • Offer contingencies: Some prequalified offers will come with contingencies or things you need to provide before the lender can fund the loan. 

What other lenders does Acorn Finance partner with for personal loans?

Acorn Finance is proud to partner with top national lenders to serve customers. While most operate online, OneMain Financial is a Phoenix local lender with 3 branches, they offer online services, too, and are an Acorn Finance lending partner. 

At Acorn, you can compare rates from top national lenders such as:

  • Prosper
  • LightStream
  • Upgrade
  • OneMain Financial
  • SoFi
  • and more! (View the full list here.)

Conclusion - Compare Personal Loans Near You & Online Today

Save your time, which can translate to money, too, and shop the Acorn Finance network of top national lending partners. Submit some personal information, and let us shop our marketplace to find the best offers. We shop, you save. It’s that simple. Our lending network includes lenders that serve the Phoenix area, and one with local branch locations, OneMain Financial. Check rates in seconds with no credit score impact at Acorn

Here are other loan options near Phoenix:

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What can I do with a $20,000 personal loan?

A $20,000 personal loan has a number of uses, including (but not limited to):
Home improvement Buying a car Wedding costs
Debt consolidation Medical bills Startup business costs

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