If you need to fund a big purchase or consolidate debt, a personal loan or line of credit from Arizona Federal can help you reach your goals faster.

Rates as low as
8.75%APR1
Terms up to

Our personal loans feature:

  • Low, affordable rates
  • No application fees
  • No pre-payment penalties

Explore Personal Loans

Have an unexpected expense like car or home repairs? Looking to consolidate your higher interest bills? Whatever the reason, we can help with a personal loan.

  • Low, fixed rates
  • No collateral required

Use your personal credit line as overdraft protection for your Arizona Federal Checking Account or as an emergency reserve when you need money on short notice.

  • Low, variable rates
  • Revolving, open-ended loan
  • No collateral required
  • Convenient access to funds through your online account or mobile app

If you're looking to build or rebuild your credit, a share-secured loan could be a good choice. Simply use the money you have on deposit to secure the loan.

To apply for a share-secured loan, call (602) 683-1000 or stop by one of our branch locations.

For college expenses not covered by scholarships and federal loans, Arizona Federal* has partnered with Sallie Mae to bring you loans with great repayment options and competitive rates.

Learn More

*We are compensated for the referral of Smart Option Student Loan customers.

1 Annual Percentage Rate. APR shown is the lowest available rate for up to 36 months. Actual APR based on borrower’s credit history, collateral and loan terms. Maximum rate of 17.99% APR. Minimum loan term of 12 months. Membership required based on eligibility. Loan payment example: $32.00 per month for each $1,000 borrowed at 8.75% APR for 36 months.