Online Loans in Arizona

How do you make plans to deal with an emergency when you don’t know when it’ll come and what form it’ll take? This is a challenge that people all over America face – especially people who are just trying to make ends meet and don’t have much (if any) cash saved up.

The best thing you can do to prepare against this inevitability is to build up an emergency fund ahead of time. Tapping into this fund should be the first thing you do when you’re forced to deal with emergency expenses. But what if you don’t have an emergency savings fund at the ready? After all, these can take time to build up, and it’s also possible that you may not have had the foresight or the means to plan ahead. And even if you’ve been stashing money away for emergencies, it may not be enough to deal with your next unexpected expense.

If you need some extra money to close the financial gap, online loans in Arizona may be able to help! With an online Line of Credit through CreditFresh, you may be able to qualify for a personal loan between $500 to $5,000. You won’t need to concern yourself with hidden terms or unexpected fees with this online loan in Arizona, as the terms of an online Line of Credit through CreditFresh are transparent and straightforward.

Worried about your ability to navigate through the online borrowing process? You have nothing to worry about! Submitting a request for a loan in Arizona through CreditFresh is quick and simple. If approved, you’ll be able to access funds when you need them, as long as you have available credit and your account remains in good standing. Simply request a draw on your personal Line of Credit online or over the phone from your available credit and the funds may be in your bank account the same business day3!

Note: A Line of Credit is a type of online loan. As a revolving credit product, you can request draws, repay and redraw as needed from your available credit.

Online Loan Summary

Credit Limit: $500 to $5,000

Loan Type: Line of Credit

Minimum Payment: Billing Cycle Charge + Mandatory Principal Contribution

Funding Time: Same Business Day3

Benefits of Choosing Online Loans in Arizona through CreditFresh


Access Credit When You Need It
  • Have the financial flexibility to handle emergency expenses.
  • When you need funds, you can simply request a draw online or give us a call, so long as your account is in good standing and you have available funds.
  • You may have your funds deposited directly into your bank account the same business day that you request a draw3.


Excellent Customer Service
  • Our friendly Customer Service team is more than happy to help!
  • We’re here 7 days a week to answer your questions about the loan products offered through the CreditFresh website.
  • We’re here to help you get the funds you need when you’re facing an emergency expense.


Transparent, Easy-to-Understand Product
  • Clear repayment terms and no hidden charges.
  • A simple Billing Cycle Charge structure.
  • Have access to a secure online platform to review information regarding your account.

Loans Online in Arizona through CreditFresh – The Details

Like we mentioned, an emergency expense can be tough to deal with regardless of where you live in Arizona. When you’re strapped for cash and looking for ways to pay off an unexpected expense, where do you turn to? If you end up facing a situation like this, an online line of credit may be able to help you out.

What situations constitute an emergency? Well, situations like this could include:

  • Getting an unexpected but essential repair done on your car
  • A trip to the emergency room
  • Unplanned home repairs

If you’re looking to submit a request through CreditFresh, click here to get started!

Credit Limit

$500 to $5,000.

Making a Draw

You have the option to withdraw available funds all at once, or in smaller amounts from your available credit, as needed, so long as your account is in good standing. If you request a draw, funds may be deposited into your bank account the same business day3.

Repayment of Your Online Loan in Arizona

If you have an outstanding balance, you will be required to make a Minimum Payment for each Billing Cycle.

You will be issued a periodic statement at least 14 days before your Minimum Payment is due for your Line of Credit. Your periodic statement will include important details such as your Minimum Payment and your Payment Due Date.

Your Minimum Payment will be made up of two components:

  • Billing Cycle Charge: this will be calculated based on your Average Daily Principal Balance that appears on your periodic statement; and
  • A Mandatory Principal Contribution which helps ensure you are always paying down your Outstanding Principal Balance.

You can always make payments towards your Outstanding Principal Balance at any time without prepayment penalties. You may log into your account to make a payment online using a debit or pre-paid card or call 1-800-766-2007 to set up a payment.

The Cost of an Online Loan in Arizona through CreditFresh

For each billing cycle, you will only be charged a Billing Cycle Charge if you have an Outstanding Principal Balance. You can find this information in your periodic statement. A portion of each Minimum Payment goes directly to your principal balance to ensure you are always paying down your balance.

For further details, visit the Cost of Credit page.

Here’s what customers are saying

Frequently Asked Questions

In order to qualify for an online loan through CreditFresh, you must:

  • Be of legal age to contract in Arizona
  • Be a US citizen or a permanent resident
  • Be a resident of Arizona
  • Have an active bank account
  • Have a regular, consistent source of income
  • Have a valid contact number and an active email address

Please note that currently, no credit products offered through CreditFresh have charges that would meet the requirements applicable to lend to covered members of the US Armed Forces and their dependents.

Yes, you will. To be approved for this online loan, you’ll need to have an active bank account.

No appointment will be necessary. Simply click here to begin the process of submitting a request. This is simple and may only take a few minutes to complete1.

For more information, feel free to give us a call at 1-800-766-2007 and a member of our Customer Service team will be pleased to help you.

Yes, online loans are currently offered through CreditFresh in the form of a Line of Credit in Alabama, Alaska, Arkansas, Delaware, Florida, Georgia, Hawaii, Idaho, Indiana, Kansas, Kentucky, Louisiana, Michigan, Mississippi, Missouri, Montana, Nebraska, New Jersey, North Carolina, Ohio, Oklahoma, South Carolina, Tennessee, Texas, Utah, Washington, Wisconsin, and Wyoming in addition to Arizona.

One of the things that can make a financial emergency so stressful to deal with is that in a lot of cases, time is of the essence. The longer you wait to deal with it, the worse it can get. Because of this, it’s normal to be concerned with the amount of time it takes to get money deposited into your bank account if you get approved for a loan. The truth is, this is going to vary between different financial institutions.

At CreditFresh, we get the importance of urgency when you’re dealing with a financial emergency. That’s why, when you request a draw from your personal Line of Credit online or over the phone, funds may be in your bank account the same business day3!

In a lot of ways, lines of credit and installment loans are similar in terms of what they can and should be used for. But at the same time, there are some important differences between the two in the way they function. If you’re in the market for a personal loan, it’s important to understand these differences in order to make the best decision for your situation.

With an installment loan, you’ll get the money that you’ve been approved for (assuming you’ve been approved) in a lump sum, which you’ll have to pay off over several scheduled installments that could last anywhere between a couple months to several years.

If you’re approved for a line of credit, you’ll be given access to a specific credit limit. You’ll be able to draw funds from this limit as long your account remains in good standing and you have available credit. As you pay down what you owe, you can continue to draw funds on a revolving basis. If you want to learn more about other online loans, click here.

We’re here to help!

Dealing with an emergency expense isn’t easy, but if you think that this Line of Credit is suited to your needs, or you’d like additional information on the process of requesting an online loan in Arizona through CreditFresh, feel free to contact our Customer Service team at 1-800-766-2007. You can also find more information by visiting our general FAQs page.