Good to excellent credit
American Express
- Credit profile
- Excellent
- APR range
- 6.99% – 19.99%
- Loan amount
- $3,500 – $40,000
Personal finance / AZ
Personal loans, banking, insurance, and debt help in Arizona
Arizonans take out personal loans mainly to consolidate credit card debt, cover car repairs or medical bills, finance home improvements, or pay for weddings and moves, with most loans unsecured.
32lenders in the dataset
AZstate guide
$917/yraverage homeowners premium in dataset
51jurisdictions in the dataset
01 / Personal loans
Personal loans in Arizona
Arizonans take out personal loans mainly to consolidate credit card debt, cover car repairs or medical bills, finance home improvements, or pay for weddings and moves, with most loans unsecured.
Interest-rate law
Arizona's Consumer Lenders Act was amended to raise its tier threshold from $3,000 to $10,000, so loans up to $10,000 fall under a 36% APR cap. Loans of $10,000 or more fall outside that cap; Arizona's general usury statute has had no rate ceiling for a written contract since a 1980 amendment.
| Loan range | Rate | Statute |
|---|---|---|
| Up to $10,000 | 36% APR cap | Arizona Consumer Lenders Act |
| $10,000 or more | No cap; priced by market | Not specified in dataset |
Lender complaints: Arizona Department of Financial Institutions
02 / Lender directory
Lenders by credit profile
Good to excellent credit
Axos Bank
- Credit profile
- Excellent
- APR range
- 11.79% – 20.84%
- Loan amount
- $7,000 – $50,000
Good to excellent credit
Citi
- Credit profile
- Good - Excellent
- APR range
- 9.99% – 17.49%
- Loan amount
- $2,000 – $30,000
Good to excellent credit
Discover
- Credit profile
- Good - Excellent
- APR range
- 6.99% – 24.99%
- Loan amount
- $2,500 – $40,000
Good to excellent credit
Happy Money
- Credit profile
- Good
- APR range
- 7.95% – 35.99%
- Loan amount
- $5,000 – $50,000
Good to excellent credit
LightStream
- Credit profile
- Good - Excellent
- APR range
- 6.74% – 25.39%
- Loan amount
- $5,000 – $100,000
Good to excellent credit
PNC Bank
- Credit profile
- Not specified
- APR range
- 7.89% – 24.99%
- Loan amount
- $1,000 – $35,000
Good to excellent credit
PenFed
- Credit profile
- Good
- APR range
- 7.99% – 17.99%
- Loan amount
- $500 – $50,000
Good to excellent credit
Prosper
- Credit profile
- Good
- APR range
- 8.99% – 35.99%
- Loan amount
- $2,000 – $50,000
Good to excellent credit
Reach Financial
- Credit profile
- Not specified
- APR range
- 5.99% – 35.99%
- Loan amount
- $3,500 – $40,000
Good to excellent credit
Rocket Loans
- Credit profile
- Good
- APR range
- 8.01% – 29.99%
- Loan amount
- $2,000 – $45,000
Good to excellent credit
SoFi
- Credit profile
- Good - Excellent
- APR range
- 8.74% – 35.99%
- Loan amount
- $5,000 – $100,000
Good to excellent credit
USAA
- Credit profile
- Good - Excellent
- APR range
- 9.89% – 18.51%
- Loan amount
- $2,500 – $100,000
Good to excellent credit
US Bank
- Credit profile
- Not specified
- APR range
- 8.74% – 24.99%
- Loan amount
- $1,000 – $50,000
Good to excellent credit
Wells Fargo
- Credit profile
- Good - Excellent
- APR range
- 6.74% – 25.99%
- Loan amount
- $3,000 – $100,000
Fair credit
Achieve
- Credit profile
- Fair
- APR range
- 6.25% – 35.99%
- Loan amount
- $5,000 – $50,000
Fair credit
Avant
- Credit profile
- Poor to Good
- APR range
- 9.95% – 35.99%
- Loan amount
- $2,000 – $35,000
Fair credit
Best Egg
- Credit profile
- Fair
- APR range
- 6.99% – 35.99%
- Loan amount
- $2,000 – $50,000
Fair credit
Happen Bank
- Credit profile
- Fair
- APR range
- 7.04% – 35.99%
- Loan amount
- $1,000 – $60,000
Fair credit
LendingPoint
- Credit profile
- Fair
- APR range
- 7.99% – 35.99%
- Loan amount
- $1,000 – $36,500
Fair credit
Navy Federal Credit Union
- Credit profile
- Fair - Excellent
- APR range
- 8.74% – 18%
- Loan amount
- $250 – $50,000
Fair credit
Oportun
- Credit profile
- Fair
- APR range
- N/A – 35.95%
- Loan amount
- $300 – $10,000
Fair credit
Upgrade
- Credit profile
- Fair
- APR range
- 7.74% – 35.99%
- Loan amount
- $1,000 – $50,000
Fair credit
Upstart
- Credit profile
- Fair
- APR range
- 6.20% – 35.99%
- Loan amount
- $1,000 – $75,000
Poor or limited credit
CreditNinja
- Credit profile
- Poor
- APR range
- 195.75% – 349%
- Loan amount
- $300 – $5,000
Poor or limited credit
Integra Credit
- Credit profile
- Poor
- APR range
- 149% – 399%
- Loan amount
- $500 – $3,000
Poor or limited credit
Mariner Finance
- Credit profile
- Poor
- APR range
- 15.49% – 35.99%
- Loan amount
- $1,000 – $25,000
Poor or limited credit
NetCredit
- Credit profile
- Poor
- APR range
- 34% – 99.99%
- Loan amount
- $1,000 – $10,000
Poor or limited credit
OneMain Financial
- Credit profile
- Poor
- APR range
- 18% – 35.99%
- Loan amount
- $1,500 – $20,000
Poor or limited credit
OppLoans
- Credit profile
- Poor
- APR range
- 160% – 195%
- Loan amount
- $500 – $5,000
Poor or limited credit
Personify Financial
- Credit profile
- Poor
- APR range
- 36% – 179.50%
- Loan amount
- $500 – $15,000
Poor or limited credit
Rise
- Credit profile
- Poor
- APR range
- 99% – 199%
- Loan amount
- $500 – $5,000
03 / Debt consolidation
Debt consolidation
Arizona's 36% usury cap on loans up to $10,000 gives some protection, but a good debt consolidation loan should come in well under that ceiling; above $10,000 Arizona doesn't cap rates at all, making shopping around especially important for larger loans.
04 / Banking and credit unions
Banking in Arizona
National banks offer scale and convenience, while regional and Arizona-based banks compete on relationship banking and faster local decisions.
Banks listed
- ChaseNational bank.
- Wells FargoNational bank.
- Bank of AmericaNational bank.
- US BankNational bank, headquartered in Minneapolis, MN.
- Western Alliance BankHeadquartered in Phoenix, AZ.
- BMOU.S. operations headquartered in Chicago, IL; part of Bank of Montreal.
- ComericaHeadquartered in Dallas, TX, with a long-standing Arizona presence.
- MidFirst BankHeadquartered in Oklahoma City, OK, with a significant Arizona branch network.
Credit unions
Arizona's credit unions are member-owned, not-for-profit institutions offering lower rates and fees than banks, grown primarily through municipal and state employer roots consolidating over time.
Arizona credit unions posted median membership growth of about 0.1% year over year (Q4 2025 NCUA data), compared to a national median of about -0.5%.
Arizona Financial traces to a 1936 Phoenix city-employees' credit union that merged with similar credit unions in Mesa, Scottsdale, and Tempe; OneAZ began in 1951 as the Arizona State Employees' Credit Union. Arizona Central Credit Union pioneered the select-employee-group mechanism in 1968, letting small businesses offer credit union membership without sponsoring their own institution, fueling consolidation-driven growth (over 50 mergers at Arizona Central alone).
Federally insured credit union deposits are protected up to $250,000 through the National Credit Union Share Insurance Fund.
Credit unions listed
05 / Debt settlement
Debt settlement
Legal and requires licensing under Arizona's 'debt management company' statute (Ariz. Rev. Stat. § 6-701 et seq.), regulated by the Arizona Department of Insurance and Financial Institutions. Specific fee cap, advance-fee timing rule, or cooling-off period aren't clearly documented; the federal Telemarketing Sales Rule's advance-fee ban is the default protection.
Companies listed in the dataset
06 / Insurance
Arizona insurance
Regulator
Arizona Department of Insurance and Financial Institutions (DIFI)
Insurance regulator websiteAuto insurance
15/30/10
Arizona requires liability insurance with minimum limits of $15,000 per person and $30,000 per accident for bodily injury liability, plus $10,000 for property damage liability, one of the lowest sets of minimums in the country.
Homeowners and renters
$917/yr
- State requirement
- No
- National homeowners average
- $1,337/yr
- Renters average
- $160/yr
Arizona carries real exposure to wildfires, an increasingly costly risk across the western U.S., along with monsoon-season flash flooding and dust storms.
07 / Questions
Arizona FAQs
How do I file a complaint against a lender in Arizona?
Contact the Arizona Department of Financial Institutions, which licenses and supervises state-chartered banks, credit unions, and consumer lenders.
How do I file a complaint against my insurance company in Arizona?
File with the Arizona Department of Insurance and Financial Institutions (DIFI).
What's the maximum interest rate a lender can legally charge on a personal loan in Arizona?
Loans up to $10,000 are capped at 36% APR under the Arizona Consumer Lenders Act. Loans of $10,000 or more fall outside that cap entirely and are priced by the market, since Arizona's general usury statute has had no rate ceiling since a 1980 amendment.
What credit score do I need for a personal loan in Arizona?
It depends on the lender. Banks and credit unions typically want a FICO score of 700+, online FinTech lenders work with fair credit (low-to-mid 600s), and some lenders serve poor or limited credit at significantly higher APRs.
Are payday loans legal in Arizona, and are there caps on fees or loan amounts?
No. A special exemption allowing triple-digit payday rates expired July 1, 2010, after voters rejected Proposition 200 in 2008. All consumer lenders, including short-term lenders, are now capped at 36% APR under Ariz. Rev. Stat. § 6-632.
How long can a debt collector legally pursue an unpaid debt in Arizona before the statute of limitations runs out?
Written contracts have a 6-year statute of limitations (A.R.S. § 12-548); oral agreements and open accounts have a 3-year window (A.R.S. § 12-543).
What's the difference between a debt consolidation loan and debt settlement for someone living in Arizona?
A debt consolidation loan pays creditors in full with new borrowed money at a lower rate; credit recovers quickly. Debt settlement negotiates a reduced payoff but damages credit and may create taxable forgiven income. Arizona requires debt settlement companies to be licensed as 'debt management companies,' a stronger regulatory baseline than many states.
