Explore 
Our Flexible Personal Loans

Simplify life, seize opportunities — discover the ideal solution with our Personal Loans.
Deep Roots, Strong Community:

Personal Loan Options

You-Name-It 
Personal Loan™

What is your unique, immediate, financial need? You name it, and we’ll tailor a solution just for you!

Share-Secured
Loan

Looking to build or recover your credit? 
With our Share-Secured personal loan, enjoy competitive rates while earning interest on your deposit, a perfect way to meet your financial goals.

Unsecured Home Improvement Loan

Begin your remodeling journey with confidence. Our Unsecured Home Improvement Loan allows you to shop at your local home improvement store with a larger budget, ensuring you have the resources you need to bring your vision to life.

Line
of Credit

Enjoy the peace of mind and convenience of having access to additional funds when you need them with a convenient, open-ended, revolving line of credit.

Why Get a Personal Loan?

There are a number of reasons to get a personal loan. Personal loans offer low-interest rates for consumers with good credit, and they are generally smaller loan amounts than other types of loans.

Some of the most common reasons people get personal loans include:

  • Consolidating debt: If you have multiple, high-interest credit cards or other
lines of credit, you may want a personal loan so as to only make one payment. Depending on interest rates, you may also save money on interest.
  • Making a large purchase: Whether it’s buying a vehicle, paying for a vacation or even a wedding, a personal loan is a good way to get capital quickly with lower rates than a credit card.
  • Home Improvement: If you are considering renovating your home — 
which can add value to your property — a personal loan can be a way 
to finance renovations.

View Our Loan Rates

Why Choose Arizona Central Credit Union for Personal Loans?

Arizona Central Credit Union has been providing Arizona families in Phoenix and beyond with personal loans and other financial services since 1939. Whether you already have an account or are just looking for a loan, Arizona Central, Arizona’s leading local credit union, will be here to safeguard you and help you achieve your goal of financial freedom.

Arizona Central Credit Union has 9 branches throughout Arizona, including Phoenix, Glendale, Tempe, Chandler, Flagstaff, Tucson and Show Low. Members have access to over 5,000+ branches and 55,000+ surcharge-free ATMs nationwide. Arizona Central makes banking accessible & rewarding for all AZ communities.

View Our Loan Rates

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Personal Loans FAQs

Personal loans can have fewer limitations on their use than specialized loans, with your credit score being the most important factor.

Common factors considered by a lender to get approved for a loan are your credit score and history, income, and debt-to-income ratio.

Unlike student loans or mortgage loans, which are intended for those specific purposes, personal loans can be used to fund almost anything you desire. For example, you may take out a personal loan to consolidate debt, cover an emergency expense or help start a new business venture.

Personal loans are unsecured loans, meaning you aren’t required to put up any collateral to receive the loan. As a result, personal loans generally carry higher interest rates than secured loans such as auto or home loans.

Personal loan interest rates can vary depending on the reason or your credit situation.

Please check out our Personal Loan Rates to find out what could work for you!

Find a Branch Near You Today!