Personal Loans in Arizona
Here's what fees you can expect when obtaining online personal loans in Arizona:
| Personal loan lending status in Arizona: |
Legal |
| Maximum loan amount in Arizona: |
Up to $10,000 (A.R.S. 6-601 to 6-637) |
| APR cap: |
Up to 36% a year: 36% on loans of $3,000 or less, and above $3,000, 36% on the first $3,000 and 24% on the rest. Origination fee up to 5% (maximum $150); delinquency fee 5% of the installment after 7 days (A.R.S. 6-601 ff.) |
| Minimum loan term: |
Not specified |
| Maximum loan term: |
24 months 15 days for loans of $1,000 or less, rising with loan size to any agreed term above $6,000 |
| Prepayment penalty: |
Prepayment must be allowed, with a refund of unexpired charges on precomputed loans; the lender may apply payments to accrued charges first |
| State Regulator: |
Arizona Department of Insurance and Financial Institutions
|
Table Data Updated: October 2026.
Above you can see what fees you can expect when obtaining online personal loans in Arizona.
Personal Loan Locations in Arizona
Cash Time Loan Centers
4.9★★★★☆(1840 reviews)
6601 W Indian School Rd #2, Phoenix, AZ 85033, USA
Cash Time Loan Centers
4.9★★★★☆(1569 reviews)
2414 S 6th Ave, Tucson, AZ 85713, USA
Cash Time Loan Centers
4.9★★★★☆(1295 reviews)
1133 W Broadway Rd, Mesa, AZ 85210, USA
ACE Cash Express
4.9★★★★☆(1271 reviews)
1750 S Rural Rd #101, Tempe, AZ 85281, USA
Cash Time Loan Centers
5.0★★★★★(1212 reviews)
3802 N Oracle Rd, Tucson, AZ 85705, USA
TitleBucks Title Loans
5.0★★★★★(1145 reviews)
1529 W St Marys Rd, Tucson, AZ 85745, USA
Cash Time Loan Centers
4.9★★★★☆(1024 reviews)
7430 S 48th St #100, Phoenix, AZ 85042, USA
Speedy Cash
4.9★★★★☆(973 reviews)
5102 W Olive Ave, Glendale, AZ 85302, USA
ACE Cash Express
5.0★★★★★(940 reviews)
5804 W Camelback Rd suite a, Glendale, AZ 85301, USA
ACE Cash Express
5.0★★★★★(937 reviews)
2095 N Alma School Rd Ste 13, Chandler, AZ 85224, USA
No locations found for that city. Show all
A personal loan in Arizona is a fixed-amount loan available from a range of regulated financial institutions. Loan amounts vary widely and repay in fixed monthly installments.
Unlike credit cards, personal loans have a fixed interest rate and a set payoff date. They are commonly used for debt consolidation, home improvement, medical bills, and major purchases.
Why Compare Personal Loan Lenders in Arizona
- See several offers instantly – get rates from top lenders serving Arizona with one quick form
- Soft check only at comparison stage – comparing rates through MaybeLoan will not lower your credit score
- See the full cost upfront – monthly payment, total interest, and APR clearly shown
- From good to fair credit – we work with lenders for a range of credit scores
- Free service – comparing is always free
The Application Process
The process is fully online – no branch visits required.
- Step 1: Enter your basic information – name, address, income, and desired loan amount
- Step 2: See your offers – lenders serving Arizona review your profile
- Step 3: Compare and choose – look at APR, monthly payments, and loan terms
- Step 4: Receive your money – typically within 1-3 business days, sometimes same day
Personal Loan Requirements in Arizona
To qualify for a personal loan in Arizona, most lenders require:
- 18 years of age or older
- Legal residency in the United States
- Active checking account in your name
- Verifiable income
- SSN required for identity and credit verification
Credit score requirements vary by lender. Prime lenders typically look for 660+. MaybeLoan works with lenders across the credit spectrum.
What to Expect
Personal loan APRs in Arizona typically range from about 6% to 36%. Those with fair credit (580-660) typically see rates of 15-30% APR.
Always compare at least 2-3 lenders before deciding.
FAQ - Personal Loans in Arizona
Ryan Abramson is an independent financial consultant with 20+ years in banking and consumer credit. He has held senior roles at two U.S. banks, advising clients on lending products, credit risk, and personal finance strategies. Ryan holds dual degrees in economics and finance. His writing on MaybeLoan focuses on helping borrowers understand loan terms, compare lenders, and make informed decisions under financial pressure.
