Financial empowerment is at your fingertips with a personal loan.
Access the funds you need with a fixed-rate personal loan from OneAZ Credit Union.
Achieve your goals
Consolidate debt
Pay for unexpected expenses
Establish or rebuild your credit
See if you pre-qualify for a personal loan without impacting your credit score.
Reach Your Next Milestone with the New OneAZ Personal Loan
Our Signature Loan is now the Personal Loan! Enjoy a higher limit and more flexibility to turn your goals into reality. Here’s a few examples of what a personal loan can do for you:
- Consolidate debt: Pay down credit card balances and make one single monthly payment.
- Upgrade Your Home: Redo a room in your house or make minor home renovations
- Have Your Big Day: Pay for your wedding, Quinceañera, or any other once-in-a-lifetime celebration.
- Be prepared: Cover unexpected expenses or cushion your emergency savings.
Find the One that’s right for you.
Best for: Ongoing or unpredictable expenses
Personal Line of Credit
A Personal Line of Credit boosts your spending power by giving you flexible access to cash when you need it.
Benefits:
- Loan amounts up to $30,000
- Minimum payment of 2% of balance or $20 (whichever is greater)
- Can be used as overdraft protection
Best for: One time purchases or emergencies
Personal Loan
A OneAZ Personal Loan is a Simple loans for life's planned or unexpected expenses. View personal loan terms below:
Benefits:
- Up to $25,000 maximum credit limit
- No collateral necessary
- Fixed term up to 48 months
Best for: Improving or establishing credit
Share Certificate Secured Loan
A Share Certificate Loan can get you on the path to financial resilience by helping to build or rebuild credit with lower rates.
Benefits:
- Secured by your savings
- Rates +3% over dividend rate1
- Flexible Terms
Apply anytime.
We're here for you 24/7. Apply by phone after hours and on weekends.
Call
Speak with an experienced loan officer 24/7.
Apply Now
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Schedule
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Rates
Check out our most current rates!
Learn more about personal finance.
At OneAZ, we want you to have the tools and the knowledge to make confident, smart decisions about your finances.
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Keep ReadingRates as of July 1, 2026.
*APR = Annual Percentage Rate.
1 Subject to credit approval, terms and conditions subject to change without notice. APR is based on the applicants credit history, etc. Term of up to 48 months; with an APR of 10.50% and estimated monthly payment of $25.60 per $1,000.00 borrowed.
