Best Personal Loans in Chandler, AZ

First Credit Union stands out as the best personal loan lender in Chandler, Arizona, receiving a MoneyGeek score of 96 out of 100. First Credit Union, established as Arizona's first credit union in 1929, is federally insured by the National Credit Union Administration (NCUA).

It allows you to pay via digital banking without any charges and offers a convenient video-based e-branch, making accessing your loan more flexible. However, you should be aware of a $40 fee if you need to skip a payment and there are late payment charges, which could affect your overall loan experience.

Laurel Road is recognized as the best online lender for personal loans in Chandler, Arizona, boasting a MoneyGeek score of 94 out of 100. The lender offers a range of $5,000 to $45,000 for personal loans with repayment terms between 36 to 60 months. With its seamless application process and loan flexibility, it ensures that borrowers have a straightforward path towards funding, which can be as fast as seven business days.

Laurel Road provides a 0.25% discount on interest rates for borrowers who enroll in autopay, alongside the advantage of charging no origination fees. However, potential borrowers should be mindful of the lender's high minimum loan amount and the late fee of 5% or $28, which could be a concern for those requiring smaller loans or who may encounter issues with tardy payments.

Arizona Central Credit Union ranks as the runner-up for the best personal loans in Chandler, Arizona, with a MoneyGeek Score of 96 out of 100. Arizona Central Credit Union, which is federally insured by the National Credit Union Administration (NCUA), has been serving members since 1939. It allows borrowers to prequalify for loans, giving you a glimpse of potential terms without impacting your credit score.

Its APRs start as low as 9.99%, which can make your loan more affordable. However, there is a skip-a-payment processing fee of $25, and the borrowing limit is capped at $30,000, potentially limiting options for those seeking larger loan amounts.

Arizona Financial Credit Union stands out as a viable choice for personal loans in Chandler, Arizona, with a MoneyGeek score of 92 out of 100. Established in 1936, Arizona Financial is a locally-owned, non-profit financial cooperative that's federally insured by the National Credit Union Administration (NCUA).

Its borrowers can benefit from options like a minimum loan amount of $500 and no application fee, which promote accessibility and affordability. However, you should be prepared for a skip-a-payment processing fee of $25 and an e-pay fee of $5, which could add to the overall cost of the loan.