Private Money Loans in Arizona for Real Estate Investors
Flexible private capital to help you close your next deal in Phoenix, Tucson, Mesa, with no red tape or income verification.
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Over 180+ 5-Star Reviews
Questions about applying? Call or text 480-923-7602.
Rates Starting at Just 10.99%
Fast Approvals in as Little as
Questions about applying? Call or text 480-923-7602.
What Are Private Money Loans?
Private money loans are flexible, asset-based loans, a type of hard money loans. These loans are ideal for real estate investors who need fast capital to close fix and flip deals, rentals, land purchases, or distressed properties.
At Prime Plus Mortgages, we specialize in private lending in Arizona, with no income verification, no credit score requirements, and approvals in 24 hours or less.
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Prequalification Form & Investing Guide
Questions about applying? Call or text 480-923-7602.
Why Choose Our Private Money Loans
Real estate investors across Arizona trust Prime Plus Mortgages for fast, flexible private lending built for deals — not paperwork.
| Benefit | What It Means for You |
|---|---|
| Fast Approvals | Get approved in as little as 1 business day — perfect for time-sensitive flips or land deals. |
| No Income Verification | We focus on the deal, not your paystubs or tax returns. Ideal for self-employed or cash-heavy investors. |
| Flexible Loan Terms | Choose 6, 9, or 12-month terms based on your project timeline and exit strategy. |
| ARV-Based Lending | Borrow against the after-repair value of your property, allowing higher leverage for fix and flip deals. |
| 100% Rehab Coverage Available | Access full rehab funds with draw schedules to complete your project without cash flow issues. |
| Local Arizona Experts | We’re based in Arizona and lend exclusively to Arizona real estate investors — no out-of-state red tape. |
Our Simple Arizona Private Lending Process
1
Apply
2
Receive Confirmation
3
Receive Funding
4
Flip Or Rent It
Why Would I Need A Hard Money Loan?
Hard money loans in Arizona are ideal for real estate investors who need speed, flexibility, and asset-based underwriting. Whether you’re flipping a house in Tucson, refinancing a property in Mesa, or bridging a funding gap in Scottsdale, Prime Plus Mortgages helps you close fast, so you can fip your next property on your timeline!
Why Arizona Investors Use Hard Money Loans
- Flip homes in high-demand areas like Glendale, Mesa, or Peoria
- Buy discounted rentals with no bank delays
- Fund auction purchases or off-market deals quickly
- Bridge gaps between purchase and long-term financing
Arizona Private Money Loans vs Traditional Lenders
Why Arizona real estate investors choose Prime Plus for private lending over traditional banks and lenders.
| Prime Plus Mortgages | Traditional Lenders | |
|---|---|---|
| Approval Time | 1–2 Business Days | 2–4+ Weeks |
| Income Documentation | Not Required | Full Documentation Required |
| Credit Score Check | Not Required | Mandatory |
| Rehab Funding | Up to 100% Available | Rarely Offered |
| Loan Type Focus | Investor-Focused: Flips, Rentals, Land | Primary Homes / Standard Mortgages |
| Underwriting Flexibility | Custom to the Deal | Strict Guidelines |
Why Prime Plus Mortgages?
- Up to 90% LTV
- 10-16% interest rate
- Asset based, not credit based lending
- Funds available within 24 hours if needed (our loans really are fast)
- Points vary based on the deal and borrower experience
- No pre-payment penalties
Benefits of Private Lending with Prime Plus
- Fast closings (1–3 days)
- Rehab draws available
- No credit check required
- Flexible terms based on the deal
Work With Arizona's Trusted Private Money Lender
We fund hard money loans across Arizona — including:
- Phoenix
- Tucson
- Scottsdale
- Glendale
- Mesa
- Chandler
- Peoria
- Flagstaff
- Queen Creek
Prime Plus Mortgages is headquartered in Scottsdale and serves investors across all of Arizona — from Phoenix to Tucson, Mesa to Glendale. If you’re ready to get prequalified and move fast on your next deal, we’re ready to lend.
Frequently Asked Questions About Private Money Loans Arizona
What is a private money loan for real estate investors?
A private money loan is a short-term loan provided by private lenders, typically secured by real estate, and designed to fund investment deals quickly.
How fast can I get approved for a private money loan in Arizona?
Most investors are approved within 24 to 48 hours. In many cases, funding can be issued in as little as 1 to 3 business days.
Do I need a good credit score to qualify for a private loan?
None — we’re an asset-based lender and do not use credit scores in our approval.
Can I use a private loan to fund a fix and flip in Phoenix?
Yes. These loans are commonly used to purchase and rehab investment properties in Phoenix and surrounding Arizona cities.
