Best Personal Loans in Tucson, AZ

Vantage West Credit Union stands out as the best personal loan lender in Tucson, Arizona, with a MoneyGeek Score of 100 out of 100. It offers a range of loan amounts from $1,000 to $40,000 and provides flexible repayment terms up to 84 months. There is no application fee, making it easier to start the loan process without upfront costs. There’s also no prepayment penalty, allowing borrowers to pay off their loans early without extra charges. However, it does not disclose any rate discounts, which might be a concern for borrowers looking to save on interest. Additionally, there is no option to prequalify, limiting the ability to check rates without affecting credit scores.

As the best online lender for personal loans in Tucson, Arizona, Laurel Road shines with a MoneyGeek score of 93 out of 100. It offers personal loans ranging from $5,000 to $45,000, with repayment periods from 36 to 60 months, and usually disburses funds within seven days. Regarding Laurel Road, borrowers can save with a 0.25% autopay discount and will not have to worry about origination fees — both strong points of their service. However, it has a high minimum loan amount, and there is a late fee of 5% or $28 which borrowers should factor in when considering their loan options.

Tucson Old Pueblo Credit Union ranks as the runner-up for the best personal loans in Tucson, Arizona, with a MoneyGeek Score of 98 out of 100. It stands out for being federally insured by the NCUA, providing a layer of security for borrowers. Additionally, it offers a skip-a-payment program, adding flexibility to the repayment process. However, borrowers should be aware of the 5% or $10 late fee and the $20 processing fee, which can increase the overall cost of the loan.

Tucson Federal Credit Union stands out as a viable option for personal loans in Tucson, Arizona, with a MoneyGeek score of 92 out of 100. It excels with features such as federal insurance by the NCUA for added security and a BBB rating of A+ which reflects its reliability. However, borrowers should be aware that its borrowing limit is capped at $25,000, which may not meet higher funding needs, and a late payment fee of 20% of the interest due but no more than $30 could be a concern for those who may struggle with timely payments.

Pima Federal Credit Union is a solid choice for personal loans in Tucson, Arizona, with a MoneyGeek score of 91 out of 100. It has a 0.25% autopay discount, which can save you money on interest. It allows joint applications, which can be helpful for those looking to apply with a co-borrower. However, it has some limitations, such as a borrowing limit of $25,000, which might be restrictive for larger financial needs. Additionally, it does not allow prequalification, so you have to go through the full application process to see if you qualify.