5.99 - 21.49 %
APR
2 - 6 years
Loan Term
Check rates
On partner's site

Best Personal Loans in Chandler (AZ)

We have found 122 personal loans to apply for in Chandler, AZ. Add more criteria to compare personal loans and find the best one for you.

By Myfin Team
Updated November 30, 2023
Showing 122 personal loans
APR
5.99 - 21.49 %
with Autopay
Term
2 - 6years
Loan amount
$5,000 - $100,000
  • Minimum credit:
    scorer
    Fair (580-669)
  • Autopay discount:
    0.5%
  • Origination fee:
    No origination fee.
  • Funds available in:
    1 business day.
  • Loan Purpose:
    Personal Loan
  • Pros:
    • Low rates
    • No fees
    • Fast approval and funding
    • Rate discount for autopay
    • Digital experience
  • Cons:
    • Minimum loan amount is a bit high
    • Requires a long credit history

LightStream is the online lending division of Truist (formerly SunTrust Bank).

The key feature of LightStream's online personal loans is that they can be up to $100,000 and used for nearly any reason.

LightStream charges no fees on its personal loans. Plus, it offers to send you $100 if you’re unsatisfied with the loan process.

See LightStream full product review
Check rates
On partner's site
APR
6.99 - 24.99 %
with Autopay
Term
3 - 6years
Loan amount
$3,500 - $40,000
  • Minimum credit:
    scorer
    Fair (580-669)
  • Autopay discount:
    0.25%
  • Origination fee:
    No origination fee.
  • Funds available in:
    5 business days.
  • Loan Purpose:
    Personal Loan
  • Pros:
    • No fees
    • Autopay discount
  • Cons:
    • Long time to receive funds
    • No Cosigner Option

Marcus offers unsecured personal loans up to $40,000 with rates from 6.99% to 24.99%.

Marcus does not charge origination, late payment and check processing fees.

See Marcus by Goldman Sachs full product review
Check rates
On partner's site
APR
5.6 - 35.99 %
Term
3 - 5years
Loan amount
$1,000 - $50,000
  • Minimum credit:
    scorer
    Poor (300-579)
  • Origination fee:
    10%
  • Funds available in:
    1 business day.
  • Loan Purpose:
    Personal Loan
  • Pros:
    • No prepayment penalty
    • Next day funding
  • Cons:
    • Origination Fee
    • Extra Fees

Upstart loans range from $1,000 to $50,000. Not all applicants will qualify for the full amount.

The minimum loan amount: $7,000 (MA), $6,000 (Ohio), $5,100 (NM), $3,100 (GA), $2,100 (HI).

Borrowers need credit scores of 580 or higher.

Upstart offers fixed-rate APRs that vary from 5.60% to 35.99%. Loan terms are available for 3 or 5 years.

The origination fee ranges from 0% to 8%.

See Upstart full product review
Check rates
On partner's site
APR
8.99 - 29.99 %
Term
2 - 5years
Loan amount
$5,000 - $40,000
  • Minimum credit:
    scorer
    Good (670-739)
  • Origination fee:
    5%
  • Funds available in:
    3-6 business days.
  • Loan Purpose:
    Personal Loan
  • Pros:
    • No prepayment or late fees
    • Free monthly FICO score updates
  • Cons:
    • Co-signers are not accepted
    • Origination Fee
    • Slow funding
    • Not available in all states

The Payoff Loan™ is an unsecured personal loan designed to consolidate your credit cards into one monthly payment. Payoff requires a minimum FICO credit score of 640 or higher. It provides loans of up to $40,000.

The Payoff platform provides loans with rates between 8.99% and 29.99% APR. Minimum loan amount and APR may vary in certain states.

See Payoff® full product review
Check rates
On partner's site
APR
8.3 - 36 %
Term
3 - 5years
Loan amount
$1,000 - $40,000
  • Minimum credit:
    scorer
    Poor (300-579)
  • Origination fee:
    3 - 6%
  • Funds available in:
    1 business day.
  • Loan Purpose:
    Personal Loan
  • Pros:
    • Quick, easy online application
    • Fast funding
  • Cons:
    • Origination fee

LendingClub offers loans of $1,000 to $40,000.

The APR range is from 8.30% to 36.00%. Loan terms are available for 3 or 5 years.

LendingClub charges an origination fee of 3% to 6% on personal loans.

See LendingClub full product review
Check rates
On partner's site
APR
7.99 - 23.43 %
with Autopay
Term
2 - 7years
Loan amount
$5,000 - $100,000
  • Minimum credit:
    scorer
    Good (670-739)
  • Autopay discount:
    0.25%
  • Origination fee:
    No origination fee.
  • Funds available in:
    1 business day.
  • Loan Purpose:
    Personal Loan
  • Pros:
    • Fast approval and funding
    • Rate discount for autopay
    • No Fees
  • Cons:
    • Not available to residents of Mississippi
    • No secured loan option

SoFi loans range between $5,000 to $100,000.

The APR range is from 7.99% to 23.43% (with discounts). Loan terms are available for 2 or 7 years.

The loan is not available in Mississippi.

SoFi personal loans have no fees: no origination fees, no late fees, no prepayment penalties.

See SoFi full product review
Check rates
On partner's site
APR
9.95 - 35.95 %
Term
1 - 5years
Loan amount
$2,000 - $35,000
  • Minimum credit:
    scorer
    Poor (300-579)
  • Origination fee:
    4.75%
  • Funds available in:
    1 business day.
  • Loan Purpose:
    Personal Loan
  • Pros:
    • Fast approval and funding
    • Low minimum credit score requirements
    • No prepayment fees
  • Cons:
    • Fees
    • No Autopay discount
    • No Cosigner Option

Avant offers unsecured loans of $2,000 to $35,000. Rates range from 9.95% to 35.95%.

Avant charges an origination fee up to 4.75%.

Avant personal loans are not available in Colorado, Iowa, West Virginia, New York, Vermont, Hawaii, and Nevada.

See Avant full product review
Check rates
On partner's site
APR
7.95 - 35.99 %
Term
3 - 5years
Loan amount
$2,000 - $40,000
  • Minimum credit:
    scorer
    Fair (580-669)
  • Origination fee:
    2.41 - 5%
  • Funds available in:
    1 business day.
  • Loan Purpose:
    Personal Loan
  • Pros:
    • Fast approval and funding
    • Simple application process
  • Cons:
    • Origination fee
    • Extra Fees
    • No Autopay Discount
    • Not available in all states

Prosper offers fixed-rate APRs that vary from 7.95% to 35.99%. Loan terms are available for 3 or 5 years.

The origination fee ranges from 2.41% to 5%. Prosper charges $15 for failed payments or returned checks. Payments that are 15 or more days late are assessed a late fee.

If you don't qualify for a personal loan with Prosper, consider applying with a co-applicant.

See Prosper full product review
Check rates
On partner's site
APR
7.99 - 35.99 %
Term
3 - 5years
Loan amount
$2,000 - $50,000
  • Minimum credit:
    scorer
    Good (670-739)
  • Origination fee:
    0.99 - 8.99%
  • Funds available in:
    1-3 business days.
  • Loan Purpose:
    Personal Loan
  • Pros:
    • Fast approval
    • Low fixed rates
    • Fast funding
  • Cons:
    • Fee charged

Best Egg is a national online lending platform offering personal loans starting at $2,000 for a variety of purposes.

Best Egg’s personal loans are ideal for consolidating debt or funding major expenses. Borrowers cannot use loans toward securities or postsecondary educational expenses.

There are no prepayment penalties, so you can pay off the loan ahead of schedule without extra fees.

Best Egg origination fees vary from 0.99% to 8.99%.

The quote you receive is based on multiple factors, including: Credit score and history, Income, Debt obligations, Loan amount, Repayment term (36 vs. 60 months).

See Best Egg full product review
Check rates
On partner's site
APR
18 - 35.99 %
Term
2 - 5years
Loan amount
$1,500 - $20,000
  • Minimum credit:
    scorer
    Poor (300-579)
  • Origination fee:
    $25 - $500
  • Funds available in:
    1 business day.
  • Loan Purpose:
    Personal Loan
  • Pros:
    • Secured and unsecured options
    • Poor-credit applicants considered
  • Cons:
    • Origination fee
    • Extra Fees
    • High Rates

OneMain Financial offers loans that range from $1,500 to $20,000. The annual percentage rate ranges from 18.00% to 35.99%.

You may be approved for an unsecured or a secured loan. A secured loan requires you to provide collateral, such as a motor vehicle, while an unsecured loan doesn’t require any collateral at all.

OneMain charges late payment fees. These fees may range from a flat amount of $5 to $30 per late payment, or they may be a percentage of your entire monthly payment amount or a percentage of the delinquent portion of your monthly payment amount, ranging from 1.5% to 15%.

The lender charges an origination fee. Flat fees vary by state and range from $25 to $500. Percentage fees range from 1% to 10% of the loan.

See OneMain Financial full product review
Check rates
On partner's site
For example, if you apply for a 2-year $5,000 personal loan with an interest rate of 15% and an origination fee of 5% you would receive $4,750 and make 24 payments of $242.43. The total amount paid would be $5,818.
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Showing 122 personal loans
Amount
$
Credit Score
City, state or Zip
  • Chandler, AZ
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Loan Purpose
  • Personal Loan
  • Home Improvement Loan
  • Medical (Dental) Loan
  • Debt Consolidation Loan
  • Major Purchase
  • Refinance Credit Card
  • Moving Expenses (Relocation)
  • Travel
  • Other

TOP 5 banks offering personal loans in Chandler

Showing 5 banks
Sort by: Branches
Branches 10 bank branches
Total Assets (US$M)3,380,824,000
Gilbert And Germann
Thursday: 9:00 AM - 5:00 PM
Chandler And Kyrene
Thursday: 9:00 AM - 5:00 PM
Chandler Heights And Arizona Ave
Thursday: 9:00 AM - 5:00 PM
Show all departments
Branches 8 bank branches
Total Assets (US$M)1,712,535,000
Chandler
Thursday: 9:00 AM - 5:00 PM
Ray & Mcqueen
Thursday: 9:00 AM - 5:00 PM
Dobson & Ray
Thursday: 9:00 AM - 5:00 PM
Show all departments
Branches 4 bank branches
Total Assets (US$M)2,440,022,000
Chandler & Alma School
Thursday: 9:00 AM - 4:00 PM
Alma School & Elliot
Thursday: Closed
Ocotillo
Thursday: 9:00 AM - 4:00 PM
Show all departments
Branches 4 bank branches
Total Assets (US$M)582,252,757
Chandler Az Branch
Thursday: 9:00 AM - 4:00 PM
East Ray Road Safeway Branch
Thursday: 10:00 AM - 6:00 PM
Show all departments
Branches 4 bank branches
Total Assets (US$M)87,218,368
Chandler Mall Branch
3075 West Chandler Boulevard, Chandler, AZ, 85226
Gilbert And Riggs Banking Center Branch
3045 East Riggs Road, Chandler, AZ, 85249
Chandler Pavillion Branch
830 North 56Th Street, Chandler, AZ, 85226
Show all departments

How to choose the best personal loan in Chandler, Arizona?

Selecting the best personal loan in Chandler, Arizona requires careful consideration and adherence to your financial needs. Personal loans serve as a valuable tool to bridge budget gaps and enhance financial well-being when utilized wisely. To help you make an informed decision, here are effective strategies for comparing and choosing the right personal loan in Chandler.

Annual Percentage Rates (APR)

One of the critical factors to assess when evaluating loans is the APR. Unlike a simple interest rate, the APR provides a more comprehensive picture by incorporating fees into the calculation. Comparing APRs allows you to determine the total cost of the loan over time.

In Chandler, APRs range from 4.49% to 36%.

Loan Amount

Since you may not have an exact figure in mind, it's beneficial to explore loan amount options. Choose a lender that offers a substantial loan range. In Chandler, loans are available from $100 to $500,000. Opting for a lender that allows partial withdrawals with interest charged only on the utilized amount proves advantageous for projects like home renovations or car repairs where the required funds vary over time.

Monthly Payments

Consider the monthly payment amount and ensure it comfortably fits within your budget. Striking a balance between meeting general expenses and loan repayment, including interest, is crucial for financial stability.

Credit Requirements

While lenders generally prefer borrowers with good to excellent credit scores (670 or higher), some lenders may accept individuals with poor to fair credit. Although a high credit score doesn't guarantee a better rate, it increases your chances of approval. Chandler's lowest acceptable credit score is Poor (300 - 579). Tailor your search to lenders that cater to your credit score range for optimal loan terms.

Collateral

Personal loans are typically unsecured, meaning they don't require collateral. However, some loans may require it. Secured loans often offer lower interest rates as lenders face less risk with collateral in place. Unsecured loans, on the other hand, usually carry higher interest rates. If you wish to avoid high interest rates (which can reach 36% in Chandler), exploring secured personal loan options might be worthwhile.

Origination Fee

Many lenders impose origination fees, in addition to interest charges, to cover processing costs. These fees usually represent a percentage of the total loan amount and range from 0.5% to 1%. Opt for personal loans with lower origination fees to save money in the long run.

To facilitate your decision-making process, utilize the side-by-side loan comparison table provided below. It includes vital loan characteristics we deem significant when evaluating personal loans.

LenderAPRLoan AmountLoan termOrigination FeeScore RequiredApply
LightStream
6.49 - 21.99%$5,000 - $100,0002 - 6 yearsNo origination fee.From Fair (580-669) to Fair (580-669)Check rates
On partner's site
Marcus by Goldman Sachs
7.24 - 25.24%$3,500 - $40,0003 - 6 yearsNo origination fee.From Fair (580-669) to Excellent (740-799)Check rates
On partner's site
Upstart
5.6 - 35.99%$1,000 - $50,0003 - 5 years10%From Poor (300-579) to Excellent (740-799)Check rates
On partner's site
Payoff®
8.99 - 29.99%$5,000 - $40,0002 - 5 years5%From Good (670-739) to Excellent (740-799)Check rates
On partner's site
LendingClub
8.3 - 36%$1,000 - $40,0003 - 5 years3 - 6%From Poor (300-579) to Excellent (740-799)Check rates
On partner's site
SoFi
8.24 - 23.68%$5,000 - $100,0002 - 7 yearsNo origination fee.From Good (670-739) to Excellent (740-799)Check rates
On partner's site
Avant
9.95 - 35.95%$2,000 - $35,0001 - 5 years4.75%From Poor (300-579) to Excellent (740-799)Check rates
On partner's site
Prosper
7.95 - 35.99%$2,000 - $40,0003 - 5 years2.41 - 5%From Fair (580-669) to Excellent (740-799)Check rates
On partner's site
Best Egg
7.99 - 35.99%$2,000 - $50,0003 - 5 years0.99 - 8.99%From Good (670-739) to Good (670-739)Check rates
On partner's site
OneMain Financial
18 - 35.99%$1,500 - $20,0002 - 5 years$25 - $500From Poor (300-579) to Excellent (740-799)Check rates
On partner's site

To increase your personal loan approval odds in Chandler, implement these five straightforward tips:

  1. Enhance Your Credit Score. Improving your credit score significantly boosts your chances of loan approval. Although Chandler's minimum credit score requirement is Poor (300 - 579), adopting practices like making timely debt payments, maintaining a low credit utilization rate, avoiding excessive credit applications, and disputing errors in your credit reports will positively impact your creditworthiness.
  2. Increase Your Income. Lenders assess your debt-to-income ratio during the approval process. Increasing your income through initiatives such as requesting a raise at your current job or securing a part-time job helps lower this ratio, improving your odds of approval.
  3. Minimize New Debt. Refrain from accumulating new debt while applying for a personal loan. Lenders consider additional debt a risk factor that can diminish your approval chances. Instead, focus on paying off existing debts, showcasing financial responsibility and stability.
  4. Request Realistic Loan Amounts. Bear in mind that lenders exercise caution when approving large loan amounts due to the associated risk. Consider requesting loan amounts aligned with your specific needs. Smaller loans carry lower risk for lenders and offer greater ease in repayment. Determine the precise amount required and request the minimum necessary. In Chandler, lenders typically offer a minimum loan amount of $100.
  5. Seek a Joint Applicant or Co-Signer. Strengthen your loan application by involving a joint applicant or finding a co-signer. Joint applicants allow lenders to evaluate both credit scores and incomes, increasing approval chances. Alternatively, a co-signer assumes responsibility for loan repayment if you default. Ensure you select a joint applicant or co-signer who demonstrates reliability and possesses the means to meet the associated financial obligations.

Conclusion

In conclusion, being prepared for a personal loan application is crucial. By following the outlined steps, you enhance your chances of loan approval in Chandler. Start taking action today to maximize your approval odds and secure the personal loan that best fits your financial circumstances.

FAQ

What is the highest interest rate on a personal loan in Chandler, Arizona?

The highest interest rate on personal loan in Chandler is 36%.

What is the biggest loan amount in Chandler, Arizona?

The biggest personal loan amount in Chandler is $500,000.

What credit score do I need to have to get a personal loan in Chandler, Arizona?

To get approved for a personal loan in Chandler you need to have at least a Poor (300-579) credit score.
Myfin TeamMyfin Team

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