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Personal loans for your life

Fund unexpected expenses, important purchases and more with a personal loan.

Personal loans for your life

Personal line of credit as low as¹
Signature loan as low as¹
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See all rates

Keep more in your pocket

Get great rates
As a credit union, we’re proud to offer you competitive rates and flexible loan terms.
No application fees
There’s no cost to apply, so you can save more cash for what matters to you.
No prepayment penalties
Want to pay off your loan early and save on interest? Go for it!

See which loan works for you

 Personal line of credit Signature loan
Recommended for

If you need ongoing flexibility to cover unexpected expenses

If you need quick cash for a one-time use

How it works

Revolving line of credit you can continually draw from, like a credit card

One-time loan with a fixed amount

Access to funds

Borrow as needed up to the credit limit

Get the full loan amount upfront


Minimum monthly payments: 3% of outstanding balance or $25 (whichever is greater)

Fixed payments over a set period


Owed only on the amount you borrow

Owed on the full loan amount


Variable (could change over time)

Fixed (won’t change)

Loan amounts

Apply for $1,000 - $25,000

Apply for $1,000 - $25,000

Available terms


Up to 48 months

Application fee

Apply now

Apply now

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Results received from this calculator are designed for comparative purposes only, and accuracy is not guaranteed. The payment does not include amounts for taxes and insurance, and the actual payment will be greater.

FAQs about personal loans

How will I know what my monthly payment will be?

For a personal line of credit, you will receive a billing statement 25 days before the due date. The minimum payment will be 3% of the current balance or $25 – whichever is greater. For a signature loan, your payment will be fixed each month, and you’ll be able to see what it is before your loan is finalized.

Am I automatically signed up for overdraft protection on my checking account?

No, your personal line of credit is not automatically linked as Overdraft Protection. If you would like to have your personal line of credit linked to your checking account as Overdraft Protection, please visit a branch or call (602) 433-7000. Learn more about Overdraft Services and the differences between Overdraft Coverage and Overdraft Protection.

Do I need to have a checking account to have a personal line of credit?

You do not need to have a checking account with Desert Financial to take out a personal line of credit.

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Rates valid on {current-date}. Actual Annual Percentage Rate (APR) dependent upon borrower(s) credit qualifications. Additional rate discounts may apply. Visit our rates page for additional information and details.

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