Best Personal Loans in Surprise, AZ

Arizona Central Credit Union stands out as the best personal loan lender in Surprise, 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 you to prequalify for a loan, which is a great way to understand your options without affecting your credit score.

Additionally, its annual percentage rate can be as low as 9.99%, making it an attractive choice for budget-conscious borrowers. However, you should be aware that its borrowing limit is capped at $30,000, which might not meet the needs of those seeking higher loan amounts. Moreover, if you opt to skip a payment, you will incur a processing fee of $25, which might affect the overall cost of the loan.

Laurel Road is the best online lender for personal loans in Surprise, California, with a MoneyGeek score of 94 out of 100. This lender offers loan amounts ranging from $5,000 to $45,000 with repayment terms of 36 to 60 months.

Its offering includes a 0.25% discount on payments made automatically from a bank account and it does not charge origination fees. However, borrowers should be aware of its required minimum loan amount, which is higher than some competitors, and the potential for a late fee of 5% or $28 if a payment is missed.

Arizona Financial Credit Union is recognized as the runner-up for the best personal loans in Surprise, Arizona, with a MoneyGeek score of 94 out of 100. Established in 1936, it is a locally-owned, non-profit financial cooperative that's federally insured by the National Credit Union Administration (NCUA).

As a lender, consider its minimum loan amount of $500 and the absence of an application fee, which can be appealing if you're looking for small loan amounts or budget-friendly options. However, it's important to note its skip-a-payment processing fee of $25 and an e-pay fee of $5, which might affect your overall borrowing costs.

Sunwest Credit Union is a suitable choice for personal loans in Surprise, Arizona, with a MoneyGeek score of 91 out of 100. It is federally insured by the National Credit Union Administration (NCUA) and has been serving members since 1937. Its services include a digital wallet feature that facilitates easy and secure transactions.

Additionally, it offers debt protection, providing borrowers with an extra layer of security. However, you should be aware that it charges a $30 loan extension fee, which could add to your total costs. Furthermore, a $50 loan modification fee might apply, so you should consider this potential expense if your circumstances change.

Credit Union West offers another solid choice for personal loans in Surprise, Arizona, with a MoneyGeek score of 91 out of 100. Established in 1951 as Luke Federal Credit Union, it is federally insured by the National Credit Union Administration (NCUA).

Borrowers will appreciate its features like automated bill pay and credit score review. However, they should be aware of the skip-a-payment processing fee, which ranges from $25 to $40 and the lack of an option to prequalify. These factors make it a noteworthy option to consider for personal financing needs in Surprise.