Loans from
$300 – $5,000

Repayment term
4 – 24 Months

Minimum credit score
No min. to apply

The figures provided are representative of a typical installment loan made or arranged by CreditNinja and are not guaranteed rates or terms that you may qualify for.

By CreditNinja
Modified on March 12, 2024

Personal loans designed with you in mind.
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The city of Mesa, Arizona, was founded in 1878 by Mormon pioneers. Maintaining its roots, Mesa is still home to many Mormons over 140 years later. Out of the approximately 491,194 people who live in Mesa, about 25% of them are Mormons. Mesa, AZ, is also home to striking mountains, beautiful plant life, and a thriving culture.

But what do Mesa residents do when they need help paying for bills, debt, or unexpected expenses? CreditNinja wants to set you up for success, so we’ve put together all the essential information you need to know about your Mesa, AZ loan options!

What You Need To Know About Personal Loans in Mesa, AZ

The good news is that fast cash loans online come in many different forms in Mesa, AZ. But, getting any kind of loan is an important financial decision. Before you dive into applications and borrow money, make sure you know the basics first. Once you know a bit more about the requirements, interest rates, and potential fees for personal loans in Mesa, you can decide which option is best for you.

Qualification for Mesa Personal Loans

The type of personal loans or installment loans you decide to go with will determine what kind of qualification requirements you’ll have to meet. For example, if you want to qualify for a secured loan, you will need some form of collateral. On the other hand, unsecured loans do not require collateral from the borrower at all.

A common requirement that applies to both secured and unsecured loans is providing proof of income. No matter what type of funding you get, lenders will want reassurance that borrowers have the means to pay back their loans. This requirement might worry individuals who are laid off or unemployed. Still, thankfully, borrowers don’t need a traditional nine-to-five job to prove their income. Income such as unemployment, disability, social security, and more are accepted as proof of income by many personal lenders in Arizona.

Interest Rates for Personal Loans in Mesa

Interest on personal loans in Mesa, AZ, may come in the form of variable or fixed rates. Variable interest will cause a borrower’s monthly payment to fluctuate since the charged interest rates may change from month to month. Student loans and or a mortgage loan are types of funds that may come with variable interest rates.

Fixed rates will result in fixed monthly payments that stay consistent throughout the life of a loan.

Potential Fees With Personal Loans in Mesa, AZ

Balloon payments, origination fees, and pre-payment penalties are common types of fees that may come with a personal loan. A balloon payment is a hefty fee due at the end of a loan. Fortunately, not many lenders charge balloon payments. So you may want to ask potential lenders if they charge these kinds of fees before you apply.

An origination fee is a charge from a lender at the time of signing your loan contract. If your lender charges an origination fee, you would pay them a specified amount at the beginning of your loan period.

Pre-payment penalties are charges from a lender when a borrower makes a payment before the due date. Personal loans like payday loans or title loans may come with these kinds of penalties.

Keep in mind many types of personal lenders do not charge any of these fees. For example, installment loans rarely come with balloon payments, pre-payment penalties, or even origination fees!

Where Can I Go To Get a Personal Loan in Mesa, AZ?

The kind of lender you go with may vary depending on the loan purpose you have in mind. For instance, if you are looking to borrow a high loan amount to pay for larger expenses, you probably want to stay away from payday lenders. In this circumstance, a direct personal installment lender online may be better suited for your needs. To help narrow down your lending options, think about precisely what you want to use your personal loan for before applying with any lender.

Here is more information about the different types of lenders where Mesa, AZ residents may find personal loan offers.

Direct Lenders Online

Perhaps the most convenient type of lender in Mesa, AZ, is online direct lenders. Direct lenders who function online offer borrowers the ability to complete their entire loan process without ever having to leave their homes. Borrowers may even pay back their loan online or sign up for autopay, so they don’t ever have to worry about missing a payment.

Direct lenders for most personal loans also provide a fast turnaround time. For example, installment loans may provide approved borrowers with loan proceeds in their bank accounts in just a few hours, sometimes less!

Brick-and-Mortar Lenders

Those who feel most comfortable going through the entire loan process in person may want to go with a brick-and-mortar lender. These types of lenders conduct business at a physical location. They may require potential borrowers to apply, deliver documents, and receive their approved funds in person. Beware that some brick-and-mortar lenders don’t have mobile banking options and may require customers to repay their loan in person as well. If you don’t want to physically drop off payments to your lender every month or want the option to take advantage of online banking features, you may want to go with a direct lender online instead.

An Arizona Bank

Bank loans are ideal funding options for individuals with a high credit score and a strong credit history. Banks are strict traditional lenders, so they only approve applicants with ideal credit. If you are looking for bad credit loans, a bank is probably not the best place to look.


Brokers are a type of financing institution that connects borrowers to specific lenders or loan products. While brokers claim to do research on behalf of borrowers and connect them to the best deals, this is not always the case. If you work with a broker, you may end up with a loan product that ends up being difficult to repay.

Often, brokers are working with a small handful of lenders and base suggestions on their own commissions instead of what is best for the borrower.

Are Title Loans a Good Idea for Bad Credit Personal Loans in Mesa, AZ?

A title loan is a type of funding where the borrower must put the vehicle up for collateral. Collateral is a form of security required with some loan products, such as title loans, to lessen the lenders’ financial risk. Unfortunately, this means that those who miss payments or default on their title loan are at risk of losing their vehicle.

You may want to reconsider if you’ve been thinking about getting a title loan from somewhere like Cash Time Loan Centers. Title loans often only come with a low loan amount, high-interest, and extremely short payback terms. Borrowers who don’t pay off their title loan quickly are often left in a cycle of debt that is challenging to overcome. To avoid unnecessary stress and financial issues, you are better off going with another personal loan option.

How Will My Credit Score Affect My Options for Personal Loan Lenders in Mesa?

Your credit score is a number informed by certain financially relevant behaviors and habits. During the approval process, lenders will look into an applicant’s credit score to help decide if they are an appropriate lending risk. Usually, people with high credit scores are able to receive instant approval, the lowest rates, and optimal payback terms when they apply for funds.

If you have a less than perfect credit history, you may be worried about finding approval for personal loans in Mesa. Great news! There are plenty of personal loan products available for people with poor credit or even no credit at all!

To get an idea of what your credit score is and what kind of loan products you may be eligible for, you should learn about everything that goes into your credit report.

Below are other factors that play a role in determining your credit score.

Payment History

Your payment history reflects how timely you are with keeping up with your due payments and bills. Payment history is often considered the most important factor contributing to your credit score. If you have a missed or late payment on your credit report, you may see that delinquency affecting your credit score for up to seven years. To maintain good payment history, try always to be early or on time when you repay your loans.

Debt-to-Income Ratio

The amount of funds you regularly bring in compared to the amount of money you owe makes up your debt-to-income ratio. To improve your income-to-debt ratio, you want to try and reduce the balance on your loans and credit cards while bringing in as much money as possible each month.

Credit History Length

How long you’ve had an open and active financial account will indicate the length of your credit history. The longer you’ve had a checking or savings account or any other type of account with a financial institution, the better your credit history length will be.

Mix of Credit

The different types of credit you have also contribute to your credit score. Lenders want to know what kinds of loans you have and your available balances. To keep a healthy credit mix, try not to use your entire credit limit each month if you have a credit card, and stay away from applying for extra loans you don’t need.

Number of New Credit Inquiries

How often you apply for loans and credit cards also plays a role in your credit score. Every time you fill out a loan application, lenders will perform a hard credit check when they look into your financial history. If you often apply for loans and don’t receive approval, you most likely have a high number of hard credit checks on your credit report. Unfortunately, this behavior can negatively affect your credit, so you only want to apply for a loan when necessary and when you feel confident about being pre-approved.

Arizona Personal Loans in Mesa With the Help of CreditNinja

CreditNinja wants to help you get the fast cash loan you need! Specializing in personal installment loans, CreditNinja may just be the perfect financial solution you’ve been looking for. Check out some of the perks you can take advantage of when choosing CreditNinja for your funding needs.

Convenient Online Loan Application Available 24/7

CreditNinja knows that not everyone has a traditional schedule. If filling out an application in the middle of the night is the most convenient option for you, CreditNinja can make that happen with the accessible online inquiry form.

Fast Process

From the time you sign your loan agreement, you can expect funds in your bank account as soon as the same or the next business day. Don’t wait around for the money you need when you’re in the middle of a financial emergency!

Flexible Payback Terms

When you work with CreditNinja, you may receive a customized payment schedule designed to keep your monthly installments easy and manageable. CreditNinja has convenient options for short-term cash or longer payback plans. Work with your agent to agree on a schedule that fits your personal budget!

Expert Loan Agents Available

If you ever have questions about your loan, knowledgeable loan agents are waiting by the phone to help you every day of the workweek. You should always feel comfortable with your finances, so feel free to reach out if you need anything.

Refinancing Perks

If you currently have funding with a loan term that doesn’t work for your financial situation, CreditNinja may be able to help you refinance! Not only could you get a new loan term, but you may also receive lower interest rates and an increased loan amount!

Apply online and find out how much money you could borrow today!

What our borrowers are saying


  1. Introduction to Mesa, Arizona

¹Not all loan requests are approved. Approval and loan terms vary based on credit determination and state law. Applications approved before 10:30 a.m. CT Monday – Friday are generally funded the same business day. Applications approved after this time are generally funded the next business day. Some applications may require additional verification, in which case, the loan if approved, will be funded the business day after such additional verification is completed.