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
9.25%APR1
Terms up to

Our personal loans feature:

  • Low, affordable rates
  • No application fees
  • Year-end loan interest refund through Plus Payouts on qualifying loans

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. Membership required based on eligibility. Loan payment example: $32.00 per month for each $1,000 borrowed at 9.25% APR for 36 months.