Best Personal Loans in Mesa, AZ

Vantage West Credit Union stands out as the best personal loan lender in Mesa, Arizona, with a MoneyGeek score of 99 out of 100. Vantage West Credit Union, established in 1966, is federally insured by the National Credit Union Administration (NCUA). It has two branches in Mesa, which can be beneficial if you prefer in-person transactions.

Additionally, there is no application fee, making it an appealing choice for those wanting to minimize upfront costs. However, keep in mind that it has a skip-a-payment fee of $30, which can add up if you plan on utilizing this feature. Also, there's no option to prequalify, which means you'll need to proceed through the full application to understand your eligible terms.

Laurel Road is the best online lender for personal loans in Mesa, Arizona with a MoneyGeek score of 94 out of 100. It offers personal loans ranging from $5,000 to $45,000 with repayment terms of 36 to 60 months. Borrowers looking for a cost-effective option will find it offers a 0.25% autopay discount as one of its highlights, along with having no origination fees, adding to the savings during the loan term.

It sets a high minimum loan amount, which may not suit those seeking smaller loans. Additionally, it imposes a late fee of 5% or $28, which can add to the cost if payments are not made on time.

Nuvision Federal Credit Union is recognized as the runner-up for the best personal loans in Mesa, Arizona, achieving a MoneyGeek Score of 94 out of 100. NUvision credit union is a not-for-profit financial institution that's federally insured by the National Credit Union Administration (NCUA).

Borrowers may find its autopay discount of 0.25% beneficial, and the digital wallet feature adds convenience. However, potential borrowers should be aware that there is limited information about its loan offerings on the website, which might complicate decision-making. Additionally, there are extra fees, such as a $12 pay-by-phone fee, that one might consider before proceeding.

Sunwest Credit Union in Mesa, Arizona, stands out as a suitable choice for personal loans, receiving a MoneyGeek Score of 94 out of 100. It, federally insured by the National Credit Union Administration (NCUA), has been serving members since 1937.

It offers a digital wallet feature and provides debt protection. However, it includes a loan extension fee of $30 and a loan modification fee of $50, which could affect your overall cost.

Banner Federal Credit Union is a solid choice for personal loans in Mesa, Arizona, with a MoneyGeek Score of 92 out of 100. Banner Federal Credit Union, established in 1957, is federally insured by the National Credit Union Administration (NCUA).

Those considering borrowing from it should note the minimum loan amount of $200 and the convenience of having a virtual branch. It has a borrowing limit of $15,000 and loan payment fees, which include a $10 fee for payments made by phone and a $5.50 fee for online payments.