Vantage West offers loans to fit your unique needs, whether you’re looking to buy a house or simply build credit. We make applying for a loan easy and simple with first-rate customer service to keep you on track to meet your financial goals. Check out the selection of available personal loans or fill out the form to speak with a Vantage West Loan Officer.

Home Loans

You’re not just buying a home, you’re building your financial future. With Vantage West’s personalized service and local decision making, we make sure you choose the options that are right for you and complete the loan process as quickly and painlessly as possible. We offer mortgages and HELOCs for your convenience. Because when you thrive, we thrive.

Auto Loans

Get yourself on the road with a new or used automobile loan from Vantage West. Finance up to 100% of a new or used purchase plus taxes, license fees, extended warranties and security systems. We also offer loans to help you purchase a motorcycle, or RV. Minimum loan amount $5,000.

Annual Percentage Rate (APR)

New & Used Auto Loans: 6.50%-16.45% FXD

Last updated April 12, 2024

Personal (Signature) Loans

Is it difficult to track your credit card payments? Consolidate all of your high-interest credit cards to one low payment with a signature loan. We offer a fixed-interest rate, determined by your current financial situation and previous credit performance. Available from $1,000 up to $40,000, with terms up to 84 months. No application fees or prepayment penalties. Payment example: A loan of $10,000 for 24 months at 15.00% APR will have a monthly payment of $484.87

Annual Percentage Rate (APR)

10.99%-23.99% FXD

Last updated April 1, 2024

Home Equity Loans1

Home equity (HELOC) loans serve as a powerful tool to provide you with extra funds by tapping your home’s built-up value. Vantage West offers HELOC loans starting at $10,000. To qualify, your property must be located in Arizona and be owner-occupied, along with being your primary residence.

Debt Consolidation Loan

Get a handle on paying down your debt. Consolidate your unsecured debts, such as credit cards, personal loans or medical bills, into one monthly payment. You can select the term that best fits your situation. Whether you choose 12 or 60 months, we’ll be there to help you pay off your debt. Payment example: A loan of $10,000 for 60 months at 12.00% APR will have a monthly payment of $222.44. No application fees or prepayment penalties.

CashPlease® Loans

When life throws you a curveball and you need easy access to cash, there’s no need to pay ridiculously high interest rates on payday loans. CashPlease® loans are a lower-interest alternative to payday loans. Qualifying Members with a checking account can borrow $250 to $1,000 without a credit check or fees.

Citizenship Loans

We understand the immigration process can be complicated and expensive. Vantage West offers a Citizenship Loan1 to help manage the cost of the naturalization application and legal fees associated with the process. You can receive a Citizenship Loan for up to $1,500 with terms up to 24 months. Call us at (520) 751-7045 or visit one of our branches.

Annual Percentage Rate (APR)

12.45%-23.99% APR

Last updated April 1, 2024

Share-Secured Loans

Share-Secured Loans serve as a great way to build your credit, as they allow you to borrow against your Vantage West share accounts. These loans are perfect for when you need to make a necessary purchase but don’t want to deplete your savings. You can get a Share-Secured Loan starting at $500 with fixed or variable-rate financing.


Rates accurate as of April 1, 2024.

1Applicant must have a Social Security Number (SSN). Proof of income may be required. Payment example: A loan of $1,500 for 24 months at 12.00% APR will have a monthly payment of $70.61

All loans subject to approval. Certain restrictions may apply. Rate based on creditworthiness and subject to change. The disclosed rates are based upon your credit history and other loan qualifications.  For terms and conditions, see the Truth-In-Lending Terms. Also see the Truth-In-Lending Disclosure.