Best Credit Builder Loans in Arizona

Published: 9 April 2024

Author: Noah Gomez 

Finding the right credit builder requires time and patience, and sometimes we look in the wrong places. In Arizona, a number of local institutions offer credit builder loans that are competitive even on the national stage. We looked at over 30 banks, credit unions, and digital lenders to identify the most affordable yet trustworthy options for Arizonians.

Best Overall

AERO Federal Credit Union

Avg. Principal: $2,750
Avg. APR: 5%
Avg. Length: 21 months

With a reach across the state, AERO Credit Union's credit builder loan is not only the most affordable (only 5% APR vs. 7.78% average), it's also the most widely available. Principal amounts as low as $500 are available for healthy terms ranging from 6 months to several years. Even compared to major national brands, AERO is a superior choice for Arizonians.

Best from Bank (Physical)

BMO Bank

Avg. Principal: $1000
Avg. APR: 12.24%
Avg. Length: 42 months

Best from Credit Union

AERO Federal Credit Union

Avg. Principal: $2,750
Avg. APR: 5%
Avg. Length: 21 months

Best from Digital Lender


Avg. Principal: $25,500
Avg. APR: 20.3%
Avg. Length: 48 months

Best Arizona-Only Credit Builder Loans

Best Multi-State Credit Builder Loans Available in Arizona

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