Don’t just settle for any Arizona installment loans; make sure you find one that suits your financial situation and goals. Finding appropriate installment loans in Arizona can be challenging, but direct lenders and lender-connecting services can offer solutions.
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Our website is an informative comparison site committed to providing users with helpful information about various products and services that match their needs. Because of the advertising compensation we receive from brands and service providers, we can provide this service for free. Advertising income, product popularity, and our subjective experience and procedures may all impact the placement and position of brands on our site and its pages. It is important to remember that the brand overview is provided "as-is," with no guarantees or warranties, and should not be interpreted as an endorsement. We try to keep the information up-to-date, but the terms of offers may change at any time.
Disclaimer: Opinions, overviews, analyses, and recommendations are solely those of the author and haven't been reviewed, endorsed, or approved by any insurance, loan, or credit card issuers.
BadCreditLoans.com is not a direct lender but instead acts as a lender connecting service for Arizona residents looking for installment loans ranging from $500 to $10,000. Their easy-to-use platform streamlines finding a loan; by partnering with direct lenders and lending platforms, BadCreditLoans ensures borrowers can find reliable loan options through its network.
APR Range
5.99% – 35.99%*
Min. Credit Score
None
Repayment Terms
3 months to 72 months
Funding Time
Next business day*
⇒ Minimum age of 18 years old
⇒ Citizenship or legal residency documentation
⇒ Valid driver’s license or state-issued ID
⇒ Steady source of income from full-time employment or self-employment
⇒ Checking account in the applicant’s name
⇒ Home and work phone numbers for communication
⇒ Valid email address for loan updates.
• Company Name: – BadCreditLoans.com (Great, LLC)
• Loan Type: – Installment Loans
• State: – Arizona
• Serviced As: – Lender Connecting Service (Not a Direct Lender)
• Minimum Amount: – $500
• Maximum Amount: – $10,000
• Loan Term: – 3 months to 6 years
• Funding Time: – As fast as the next business day* (Varies by the lender)
• APR range: – 5.99% -35.99%* (May vary based on the lender, state laws and other factors)
• Fees: – Any loan fees will be determined and disclosed by the lender.
Your lender or financial service providers will solely determine the loan term, fees, and interest rates.
APR Range Example
$1,650 loan at 18.9% APR = $ 151.98/month for 12 months ($1,823.76 total)
ExploreCredit is a direct tribal lender that provides loans ranging from $300 to $2,000 in Arizona. It specializes in short-term installment loans online and strives to provide a simple lending experience; it operates under the jurisdiction of Native American tribe reservations and is subject to tribal laws and regulations.
APR Range
Undisclosed
Min. Credit Score
None
Repayment Terms
Up to 9 Months
Funding Time
Next business day*
⇒ Must be at least 18 years old to apply.
⇒ Must be a citizen or permanent resident of the United States.
⇒ A valid checking account is required.
⇒ Must provide proof of income.
⇒ A valid email address and phone number must be provided.
⇒ A valid social security number must be provided.
⇒ A valid government-issued identification or driver’s license is required.
• Company Name: – Explore Credit
• Loan Type: – Online Installment Loans
• State: – Arizona
• Serviced As: – Direct Tribal Lender
• Minimum Amount: – $300
• Maximum Amount: – $2,000
• Loan Term: – Up to 9 months
• Funding Time: – Same day or as early as following business day
• APR range: – Undisclosed (APR) varies on loan duration and amount borrowed.
• Fees: – No penalty on prepayment
Disclaimer
Caution: Tribal lenders operate under tribal laws within the Native American Tribe reservations, which may differ from state and federal laws. It's important to note that tribal lenders may not be subject to state or federal laws and regulations that protect consumers from predatory lending practices. Additionally, tribal lenders may have higher interest rates and fees than traditional licensed lenders; borrowers should carefully review all loan terms and fees and understand their rights and recourse in case of disputes. Tribal lenders may not be subject to the same consumer protection regulations as state-regulated and licensed lenders, so proceed cautiously and consider all options before borrowing from a tribal lender.
MaxLend is a tribal lender that operates within the Native American tribe’s reservation and is governed by tribal laws. It offers Arizona residents access to online installment loans of up to $3,000, focusing on flexible and personalized loan options that may differ from those offered by traditional lenders.
APR Range
471.78% to 841.45%*
Min. Credit Score
None
Repayment Terms
9 to 18 months
Funding Time
Same day or Next business day*
⇒ Applicant must meet the minimum income requirements based on their take-home pay and have an active checking account with consistent income deposits.
⇒ Applicant must meet the age and residency requirements of 18 years or older and residing in Arizona to qualify for a loan.
⇒ Applicant must maintain an active checking account with a financial institution and meet the minimum duration guidelines.
⇒ Applicant must not be involved in any active bankruptcy proceedings or have plans to file for bankruptcy voluntarily to be eligible for a loan.
• Company Name: – MaxLend (Uetsa Tsakits, Inc)
• Loan Type: – Short-Term Installment Loans Online
• State: – Arizona
• Serviced As: – Tribal Lender
• Minimum Amount: – $100
• Maximum Amount: – $3,000
• Loan Term: – 9 months to 18 months
• Funding Time: – Same day or as quick as next business day
• APR range: – 471% to 842%* (APR) varies on loan duration and amount borrowed.
• Fees: – No prepayment penalties
Disclaimer
MaxLend is an economic development arm and instrumentality of the Mandan, Hidatsa, and Arikara Nation, a federally-recognized sovereign American Indian Tribe. As a result, if you decide to do business with MaxLend, any dispute resolution process will be governed by Tribal law. Since MaxLend is owned by three federally recognized sovereign American Indian Tribes, it is not subject to suit or service of process. This implies that your potential forums for dispute resolution will be limited. If you are uncomfortable doing business with a sovereign instrumentality that cannot be sued in court, MaxLend recommends considering alternative services.
CashUSA.com acts as an online lender connecting service and offers Arizona residents a hassle-free lending experience through its network of direct lenders, providing access to online installment loans between $500 to $10,000.
APR Range
5.99% – 35.99%*
Min.Credit Score
None
Repayment Terms
3 months to 6 years
Funding Time
1 to 2 business days*
⇒ Applicant must be at least 18 years old, a US citizen or permanent resident, and have a checking account in their name.
⇒ Must meet the lender’s income requirements and have at least 90 days of employment to be eligible for a loan.
⇒ Applicant must have a valid email address, work phone number, and home phone number to be considered for a loan.
• Company Name: – CashUSA.com
• Loan Type: – Installment Loans Online
• State: – Arizona
• Serviced As: – Lender Connecting marketplace (Not a Direct Lender)
• Minimum Amount: – $500
• Maximum Amount: – $10,000
• Loan Term: – 3 to 72 Months
• Funding Time: – As fast as the next business day (Varies based on the lender)
• APR range: – 5.99% -35.99% (Varies on the lender)
• Fees: –The origination fee and any other fees are totally up to the lenders’ discretion.
The loan term, fees, and interest rates are determined solely by your lender or lending partner.
APR Range Example
$2200 loan at 11.9% APR = $103.46/month for 24 months ($2483.04 total)
OppLoans provides reliable access to personal installment loans in Arizona through its lending partners committed to offering high-quality service. While it operates as a direct lender in certain states, approved loans in Arizona are funded by lending partners and serviced by OppLoans.
APR Range
Up to 160%*
Min.Credit Score
550+
Repayment Terms
9 to 18 Months
Funding Time
1 to 3 business days*
⇒ 18 years of age or older
⇒ Active and valid checking or savings account
⇒ US citizenship or permanent residency
⇒ Steady source of verifiable income received via direct deposit (job, self-employment, or government benefits)
⇒ Valid government-issued ID
⇒ Valid email address and phone number for communication
• Company Name: – OppLoans (Opportunity Financial, LLC)
• Loan Type: – Online Personal Installment Loans
• State: – Arizona
• Serviced As: – Loan Servicer (Loans approved, underwritten and funded by lending partners, serviced by OppLoans.)
• Minimum Amount: – $500
• Maximum Amount: – $4,000
• Loan Term: – 9 months to 18 Months
• Funding Time: – 1 to 3 business days
• APR range: – Up to 160% (APR) may vary depending on the loan amount, term, and creditworthiness.
• Fees: – No prepay penalties
APR Range Example
$1,500 at 160% APR = $295.94/month for 9 months ($2,663.46 total)
HonestLoans.net is an online lending marketplace that facilitates access to installment loans ranging from $200 to $50,000 in Arizona by connecting borrowers with a network of direct lenders and loan providers.
APR Range
Varies
Min Credit Score
None
Repayment Terms
Varies
Funding Time
1 to 2 business days
⇒ Must be at least 18 years old, ensuring legal capacity to enter a financial agreement.
⇒ Must have an active checking account in good standing, allowing electronic transactions and repayments.
⇒ Legal U.S. citizenship or permanent resident
⇒ Must have a stable source of income, such as a job, self-employment, or government benefits, to ensure repayment capability
⇒ Minimum monthly income of $800 is required to qualify.
⇒ Must provide a valid phone number and email address.
⇒ Proof of employment or other income-generating activities may be requested, such as bank statements or pay stubs, to verify income and expenses.
• Company Name: – HonestLoans.net
• Loan Type: – Installment Loans & Personal Loans
• State: – Arizona
• Serviced As: – Lender Connecting Service
• Minimum Amount: – $200
• Maximum Amount: – $50,000
• Loan Term: – Up to 72 months*
• Funding Time: – 1 to 2 business day*
• APR range: – APRs vary according to lender guidelines and the laws of the state.
• Fees: – Any associated fees would be disclosed by the lender.
The loan term, fees, and interest rates are determined solely by your lender or lending partner.
ZocaLoans provides short-term installment loans online in Arizona, with loan amounts from $200 to $1500, as a direct tribal lender operating within a Native American tribe reservation and subject to tribal laws and regulations.
APR Range
Up to 795%*
Min Credit Score
None
Repayment Terms
Up to 6 Months
Funding Time
Same day or next business day*
⇒ Applicant must be 18 years of age or older.
⇒ A valid driver’s license is required.
⇒ An active checking account with an ABA and routing number is mandatory.
⇒ Debit card information must be provided.
⇒ Verification of income or employment may be required.
⇒ Must have a valid phone number and email address.
⇒ Must be a legal resident of the United States.
• Company Name: – ZocaLoans (Rosebud Lending)
• Loan Type: – Online Short-term Installment Loans
• State: – Arizona
• Serviced As: – Tribal Loan Lender
• Minimum Amount: – $200
• Maximum Amount: – $1,500
• Loan Term: – Up to 6 Months
• Funding Time: – As fast as next business day*
• APR range: – Up to 795%* (APR) varies on loan amount and term
• Fees: – No prepayment penalties
NSF fee of $25* and Late fee of $25* may apply.
Disclaimer
Caution: Tribal lenders operate under tribal law, which may differ from state and federal law. It's important to note that they are not subject to federal laws and regulations that protect consumers from predatory lending practices. Additionally, tribal lenders may have higher interest rates and fees than traditional lenders; borrowers should carefully review all loan terms and fees and understand their rights and recourse in case of disputes. Tribal lenders may not be subject to the same consumer protection regulations as other state-regulated and licensed lenders, so proceed cautiously and consider all options before borrowing from a tribal lender.
LendingPoint Personal Loan Disclosure
* Applications submitted on this website may be funded by one of several lenders, including: FinWise Bank, a Utah-chartered bank, Member FDIC; Coastal Community Bank, Member FDIC; Midland States Bank, Member FDIC; and LendingPoint, a licensed lender in certain states. Loan approval is not guaranteed. Actual loan offers and loan amounts, terms and annual percentage rates (“APR”) may vary based upon LendingPoint’s proprietary scoring and underwriting system’s review of your credit, financial condition, other factors, and supporting documents or information you provide. Origination or other fees up to 10% may apply depending upon your state of residence. Upon final underwriting approval to fund a loan, said funds are often sent via ACH the next non-holiday business day. Loans are offered from $1,000 to $36,500, at rates ranging from 7.99% to 35.99% APR, with terms from 24 to 72 months. Minimum loan amounts apply in Georgia, $3,500; Colorado, $3,001; and Hawaii, $2,000. For a well-qualified customer, a requested loan of $10,000 serviced by LendingPoint over a period of 48 months that has an APR of 26.59% with an origination fee of 10% may have a payment of $340.52 per month. (Actual terms and rate depend on credit history, income, and other factors.) The total amount due under the loan terms provided is $16,345.12 and the disbursal amount is $10,000. In the example provided, the total financed amount is increased to receive the full requested loan amount after the origination fee is deducted. The total amount due is the total amount of the loan you will have paid after you have made all payments as scheduled.
SoFi Personal Loan Disclosure
Fixed rates from 8.74% APR to 35.49% APR reflect the 0.25% autopay interest rate discount and a 0.25% direct deposit interest rate discount. SoFi rate ranges are current as of 11/12/25 and are subject to change without notice. The average of SoFi Personal Loans funded in 2022 was around $30K. Not all applicants qualify for the lowest rate. Lowest rates reserved for the most creditworthy borrowers. Your actual rate will be within the range of rates listed and will depend on the term you select, evaluation of your creditworthiness, income, and a variety of other factors.
Loan amounts range from $5,000– $100,000. The APR is the cost of credit as a yearly rate and reflects both your interest rate and an origination fee of 0%-7%, which will be deducted from any loan proceeds you receive.
PERSONAL LOAN INTEREST RATES AND FEES | ELIGIBILITY AND IMPORTANT DETAILS. Annual percentage rates (APRs) shown include the 0.25% autopay discount. If approved for a loan, the rates and terms offered will depend on things like creditworthiness, the length of the loan, and other factors, and will fall within the range of rates available by applicable loan term; check out our full APR examples and terms. Remember, not all applicants will qualify for the lowest rate. Want to learn more? See our eligibility criteria at SoFi.com/eligibility-criteria. SoFi reserves the right to change interest rates at any time without notice, changes would only apply to applications begun after the effective date of the change.
Fixed Rates: Fixed rates range from 8.74% APR to 35.49% APR (with autopay). The SoFi 0.25% autopay interest rate reduction requires you to agree to make your scheduled monthly payments by an automatic monthly deduction (ACH) from a savings or checking account. Enrolling in autopay is not required to receive a loan from SoFi. Loan Terms: SoFi Personal Loans offer loans with a period of repayment between 2 and 7-year terms. Loan Fees: SoFi personal loans have no fees required; specifically, no origination fees required, no late fees, no prepayment penalties.
PERSONAL LOAN | REPAYMENT EXAMPLE. The following example depicts the APR, monthly payment and total payments during the life of a $30,000 personal loan with a 2-year repayment term, a 0.25% autopay discount, and a fixed rate between 8.74% APR to 35.49% APR. It works out to 24 monthly payments ranging from $1,356.68–$1,529.07 for a total amount of payments ranging from $32,560.37–$36,697.76. This repayment example assumes that the borrower is signed up for autopay and that all payments are made on time, with no pre-payments. Actual rates may vary based on repayment term, loan amount, creditworthiness, and other terms and conditions. SoFi does not offer variable rate personal loans. State restrictions may apply.
Universal Credit Personal Loan Disclosure
Upstart Personal Loan Disclosure
Your loan amount will be determined based on your credit, income, and certain other information provided in your loan application. Not all applicants will qualify for the full amount. Minimum loan amounts vary by state: GA ($3,100), HI ($2,100), MA ($7,000).
Although educational information is collected as part of Upstart’s rate check process, neither Upstart nor its bank partners have a minimum educational attainment requirement in order to be eligible for a loan.
If you accept your loan by 5pm EST (not including weekends or holidays), you will receive your funds the next business day. When the funds will be available to you will depend on your bank’s transaction processing time and policies.
The full range of available rates varies by state. A representative example of payment terms for an unsecured Personal Loan is as follows: a borrower receives a loan of $10,000 for a term of 60 months, with an interest rate of 20.10% and a 8.53% origination fee of $853, for an APR of 24.65%. In this example, the borrower will receive $9,147 and will make 60 monthly payments of $267. APR is calculated based on 5-year rates offered in June 2025. There is no downpayment and no prepayment penalty. Your APR will be determined based on your credit, income, and certain other information provided in your loan application. Not all applicants will be approved.
Upgrade Personal Loan Disclosure
Personal loans made through Upgrade feature Annual Percentage Rates (APRs) of 7.74%-35.99%. All personal loans have a 1.85% to 9.99% origination fee, which is deducted from the loan proceeds. Lowest rates require Autopay and paying off a portion of existing debt directly. Loans feature repayment terms of 24 to 84 months. For example, if you receive a $10,000 loan with a 36-month term and a 17.59% APR (which includes a 13.94% yearly interest rate and a 5% one-time origination fee), you would receive $9,500 in your account and would have a required monthly payment of $341.48. Over the life of the loan, your payments would total $12,293.46. The APR on your loan may be higher or lower and your loan offers may not have multiple term lengths available. Actual rate depends on credit score, credit usage history, loan term, and other factors. Late payments or subsequent charges and fees may increase the cost of your fixed rate loan. There is no fee or penalty for repaying a loan early. Personal loans issued by Upgrade’s bank partners.
DirectLendersList is not a review site; instead, it provides a comprehensive overview of financial products and services and incorporates the Web Rating feature to assist users in making informed decisions.
Web Ratings are important to consider when deciding on financial products or services. These ratings provide insights into the customer experience and serve as a helpful metric for assessing the quality of specific lenders, loan marketplaces, banks, or credit card issuers.
At DirectLendersList, our internal team takes the initiative to prepare web ratings for various financial products and services. These ratings are compiled using multiple channels to gather data from across the web, including customer feedback, ratings from reputable customer review sites, industry reputation, and other relevant data sources. Utilizing these diverse sources of information aims to provide users with a comprehensive and well-rounded assessment of the financial product or service.
The collected data is then utilized to calculate an average web rating, typically on a scale of 1 to 5, reflecting the overall customer satisfaction and experience associated with the specific offering. It is important to emphasize that these ratings are independently prepared by the DirectLendersList internal team and have not been influenced or approved by advertisers. This ensures the ratings remain objective and unbiased, providing users with reliable information to aid their decision-making process.
Our website is an informative comparison site committed to providing users with helpful information about various products and services that match their needs. Because of the advertising compensation we receive from brands and service providers, we can provide this service for free. Advertising income, product popularity, and our subjective experience and procedures may all impact the placement and position of brands on our site and its pages. It is important to remember that the brand overview is provided “as-is,” with no guarantees or warranties, and should not be interpreted as an endorsement. We try to keep the information up-to-date, but the terms of offers may change at any time.
Disclaimer: Opinions, overviews, analyses, and recommendations are solely those of the author and haven’t been reviewed, endorsed, or approved by any insurance, loan, or credit card issuers.
