Simplify Life with a personal loan

Our personal loans provide the flexibility you need to consolidate debt into one simple payment or cover expenses.

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Get The Money You Need

Whether you're looking to make a big purchase, consolidate your bills, or cover an unexcepted expense, a personal loan from Arizona Financial can help! With low rates and a predictable repayment schedule, we can provide the flexibility you need.

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No Application Fee

Explore your options and apply today without having to pay an application fee.

Low, Fixed Rates

Have confidence knowing you'll have a fixed monthly payment that won't increase during your loan term.

Quick Application Process

Apply online 24/7, and enjoy our simple application and local, fast decision-making and loan approvals.

No Prepayment Penalties

Paying your loan off early should be your ultimate goal! We'll celebrate with you when you make your final payment.

Personal Loan Rates

Our low, fixed personal loan rates offer an affordable and stable payment that fits into your budget.
Term
Fixed APR*
as low as
Minimum Loan
Amount
Term
36 Months
Fixed APR*
as low as
11.25%
Minimum Loan
Amount
$500
Term
48 Months
Fixed APR*
as low as
12.75%
Minimum Loan
Amount
$500
Term
60 Months
Fixed APR*
as low as
13.75%
Minimum Loan
Amount
$500
Effective September 1, 2023

*Annual Percentage Rate. APR shown is the lowest available rate. Actual APR based on borrower’s credit history, collateral and loan terms. Membership required based on eligibility. Loan payment example: $32.86 per month for each $1,000 borrowed at 11.25% APR for 36 months.

*Annual Percentage Rate. APR shown is the lowest available rate. Actual APR based on borrower’s credit history, collateral and loan terms. Membership required based on eligibility. Loan payment example: $32.86 per month for each $1,000 borrowed at 11.25% APR for 36 months.

Personal Loan Application:

FIND THE PERFECT PAYMENT

Personal Loan Calculator

Explore your payment options with an Arizona Financial Personal Loan. Determine which term and loan amount create your ideal payment. Remember to email yourself the results for quick access to the best solution.

  • No Collateral Required
    No need to use your car or home as collateral for this loan. This unsecured loan is granted based on your creditworthiness and promise to repay.
  • Fast Funding
    Our local, quick decisions offer you the opportunity to apply for your personal loan today and receive funds quickly!

Your actual term and payment will be provided upon acceptance of an Arizona Financial loan. This calculator is for informational purposes only and its use does not guarantee an extension of credit.

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Frequently Asked Questions

If I have bad credit, can I qualify for a loan?

Arizona Financial reviews a number of factors before making a decision on the loan, including credit and each member’s unique situation.

If you would like to discuss the details of your current financial picture before applying, simply call our loan experts at 602-683-1730.

How long does it take to get a personal loan?

A typical Personal Loan takes anywhere from 2-4 business days. 

Do I have to be a member of Arizona Financial to get a loan?

To take advantage of Arizona Financial benefits, including competitive loan rates – membership is required. It's simple to become a member. You just have to meet one of our membership eligibility requirements.

Do you offer debt consolidation loans?

We have a number of options available for debt consolidation, including personal loans, home equity loans or even a first mortgage.

Our loan experts will review your unique financial situation to help you decide which options might best fits your needs.

If you would like to discuss options before applying, simply call our loan experts at 602-683-1730.

Routing # 322172797

Arizona Financial’s website may provide links to third party sites, independent from Arizona Financial Credit Union. These links are provided only as a convenience and do not constitute an official endorsement of the website or application. Arizona Financial does not manage the operation or content of these third-party websites or applications. The privacy and security policies of the websites or applications may differ from those of Arizona Financial Credit Union.


Arizona Financial Credit Union is committed to making our products and services accessible to all of our members. Your experience is important to us. We strive to conform to WCAG 2.0 guidelines for website accessibility. Our efforts are ongoing including frequent testing and updates to improve accessibility. Should you have any problems accessing our website, please call us at 602-683-1000 so that we may promptly assist you in getting the information you need in a method that is accessible to you.

Important Notices for website users: Please take note that we track user communications, their digital method of communicating, and whether the user clicked on content after using the general search feature or chatbot. This information may be disclosed to others in accordance with our privacy policy. Also, online banking users accessing our secure site with confidential information is restricted to authorized persons only. Unauthorized access or use is not permitted and constitutes a crime punishable by law. Violators may be prosecuted to the fullest extent of the law.

 

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