Drive away happy with an affordable
Auto Loan

Our low rates and flexible terms make finding that perfect new or pre-owned vehicle a breeze.

Auto Loan Rates

Whether you're looking to purchase a new or used vehicle, our low auto loan rates can help you achieve your goal.
Term
Fixed APR*
as low as
Minimum Loan
Amount
Term
60 Months
Fixed APR*
as low as
4.89%
Minimum Loan
Amount
$2,500
Term
72 Months
Fixed APR*
as low as
5.09%
Minimum Loan
Amount
$2,500
Term
84 Months
Fixed APR*
as low as
5.89%
Minimum Loan
Amount
$25,000
Effective November 1, 2022

* Annual Percentage Rate. APR shown is the lowest available rate, excluding discounts for auto buying and insurance services. Actual APR based on borrower’s credit history, year of vehicle and loan terms. Membership required based on eligibility. Loan payment example: $18.00 per month for each $1,000 borrowed at 3.69% APR for 60 months.

* Annual Percentage Rate. APR shown is the lowest available rate, excluding discounts for auto buying and insurance services. Actual APR based on borrower’s credit history, year of vehicle and loan terms. Membership required based on eligibility. Loan payment example: $18.00 per month for each $1,000 borrowed at 3.69% APR for 60 months.

Get Preapproved for an Auto Loan:

female business banker leaning into car of happy man after refinancing his auto loan

Refinance Your Car Loan or Buy New

If it's time to upgrade your ride or you're looking to lower your existing car loan payment by moving your loan to Arizona Financial, our new and used car loans can benefit your monthly car payment and overall budget.
Low, Fixed-Rate Financing

Have confidence that your monthly car payment will be affordable and consistent, even as the market changes.

No Application Fees

Save your hard-earned money and have confidence that applying for an auto loan at Arizona Financial won't impact your savings.

Hassle-Free Car Buying

Car buying has never been easier! The experts at Members' Auto Center will help you find the right car, negotiate the price, and deliver it to your doorstep.

On-Site Financing Available

Save time and avoid stress by enjoying on-site financing at participating dealerships. Curious who our preferred dealers are? Explore our preferred dealer partner list.

OUR BEST AUTO LOAN RATES - NEW OR USED

Auto Loan Calculator

How much car can you afford? Explore estimated monthly payments using different loan amounts and interest rates to find an amount that works for you and your budget.


1 Rate discount only available with Arizona Financial auto loans. Auto loan rate subject to rate floor. Your actual term and payment will be provided upon acceptance of the loan. This calculator is for informational purposes only and its use does not guarantee an extension of credit.

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woman in white shirt on laptop searching for low auto rates

Auto Loan
Rate Discounts

When you use our car buying options and insurance specialists, you can save up to 0.50% off your auto loan rate. 

  • Members’ Auto Center – let our experts find the vehicle you want, plus qualify for a 0.25% discount on your Arizona Financial Auto Loan.
  • Auto Insurance – our team can help you find a great deal on your policy, plus you may qualify for an additional 0.25% discount on your Arizona Financial Auto Loan.1

1 Must purchase insurance policy within 30 days of loan funding to receive discount. Insurance products and services are offered through Arizona Federal Insurance Solutions, LLC, and are not products, services or obligations of Arizona Financial Credit Union. Insurance products and services are not insured by the NCUA and have no credit union guarantee.

A Car Loan with Hassle-Free Buying

Car buying has never been easier! As a member, you have access to a better car buying experience. Turn to the experts from Members' Auto Center to simplify the process.

  • Let our consultant know what you're looking for and let them handle the details from contacting the dealer, to negotiating the price, and coordinating financing to delivery
  • Explore their online inventory and request a test drive
  • Visit a showroom to test drive any vehicle that fits your needs
  • Enjoy a 0.25% rate discount on your Auto Loan.1

1 Rate discount only available with Arizona Financial auto loans. Auto loan rate subject to rate floor.

car salesman showing paperwork for a hassle free auto loan to a man in suit sitting in a car
woman on the phone calling her insurance company after an auto accident

GAP Insurance

Your vehicle’s value depreciates quickly – sometimes faster than you can repay the loan. If your vehicle is ever stolen or damaged beyond repair, a GAP policy helps cover the additional out-of-pocket expenses insurance won't cover.

  • Pays your insurance deductible
  • Provides a credit toward your replacement vehicle
  • Covers the difference between what your insurance covers and what is still owed on the loan
  • Cost can be included in your monthly auto loan payment

Ask about a GAP policy when you apply for your auto loan, or contact us at 602-683-1000 for details.

Extended Car Warranty

Our extended car warranty, called Mechanical Breakdown Protection (MBP), picks up where the manufacturer’s warranty ends. 

  • No deductible
  • Covers most out-of-pocket major repairs
  • Nationwide coverage
  • 24-hour emergency roadside assistance
  • Rental car assistance
  • Coverage is transferable when you sell your vehicle

Ask about Mechanical Breakdown Protection when you apply for your auto loan, or contact us at 602-683-1000 for details.

male mechanic showing a male customer his covered protection from his car warranty
woman on mobile phone looking at her debt cancelation policy paperwork

Debt Cancellation

When the unexpected happens – like job loss, death or a serious injury or illness – paying the bills can become a real burden. Make sure you and your family are protected with a debt cancellation plan from Arizona Financial:

  • Covers your monthly payments or pays off your loan
  • Protects your credit rating during difficult times
  • Provides income during involuntary unemployment

Ask about Debt Cancellation when you apply for your auto loan, or contact us at 602-683-1000 for details.

Preferred Dealer Partner List

  • Autohouse Tempe
  • AutoNation Chevrolet Arrowhead
  • AutoNation Chevrolet Mesa
  • Avondale Toyota
  • Bill Luke Chrysler, Jeep, Dodge
  • Bill Luke San Tan LLC
  • Centennial Leasing & Sales
  • Courtesy Chevrolet
  • Courtesy Chrysler Dodge, Jeep, Ram of Superstition Springs
  • Earnhardt Dodge, Chrysler, Jeep
  • Gateway Chevrolet Inc.
  • Honda of Superstition Springs
  • Right Toyota
  • Sanderson Ford
  • Tempe Dodge, Kia
  • Toyota of Surprise

Auto Loan Resources

Calculator

Should I Lease or Purchase a Car?

Use this calculator to calculate your monthly payments and total net cost. By comparing these amounts, you can determine which is the better for you.

Blog Post
Blog Post

Thinking of Buying a Car? Consider These Questions First

Before driving to the dealership, ask yourself these important questions to help you differentiate your needs from wants.

Read More
Blog Post

Auto Refinancing 101:
7 Tips to Get a Better Deal

Explore when refinancing your car loan makes sense, and how to get the best deal possible.

Read More
Calculator

How Much Will My Auto Payments Be?

Before taking the leap, be sure to understand how much car you can afford each month. Calculate your monthly car payments with this calculator.

Calculate
Calculator

Should I Accelerate My Auto Payments?

See how making extra payments will affect your auto loan.

Calculate
Calculator

How Much Car Can I Afford?

Use this calculator to enter the monthly payment you're able to make. You'll then discover how much car you can afford.

Calculate

Frequently Asked Questions

What are the benefits of refinancing an auto loan?

Have a car loan somewhere else? Find out how much you can save when you move your loan to Arizona Financial.

  • Lower your monthly payment
  • Extend your term
  • No fees to refinance

Applying for an auto loan refinance is easy! You can apply online, stop into a branch, or give our loan experts a call at 602-683-1730.

What insurance requirements do you have for auto loans?

We require that our members have full coverage on any vehicle in which Arizona Financial is the lien holder.

If you switch insurance, please remember to send in a new proof of insurance. If insurance lapses, you may be subject to force-placed insurance and any costs associated with it.

Do I have to buy from an auto dealer?

Arizona Financial car loans are available for dealership purchases, private party purchases, or our car buying service!

Car Buying Service
Let our car buying experts do the hard work for you! They’ll find the vehicle you’re looking for and deliver it right to you, or you can stop by their showroom to test drive right from their inventory. Plus, when you purchase with our car buying experts and finance with Arizona Financial, you’ll receive a 0.25% rate discount on your auto loan. Learn more.

Dealerships
As an added benefit of membership, Arizona Financial provides a way to obtain financing directly through a dealership without the need to visit one of our branches. Learn more

Have additional questions? Please contact us today.

How can I apply for an auto loan at Arizona Financial?

Members can apply online, call 602-683-1000 or stop by one of our branch locations for assistance.

Do you offer debt cancellation?

Yes, Arizona Financial offers debt cancellation to help you when the unexpected happens – like job loss, death, or a serious injury or illness.

Make sure you and your family are protected with a debt cancellation plan from Arizona Financial:

  • Covers your monthly payments or pays off your loan
  • Protects your credit rating during difficult times
  • Provides income during involuntary unemployment

Ask about debt cancellation protection when applying for your loan, or contact us for details.

Can I apply for an auto loan if I have not found the car I want yet?

Yes! We’d love to help you get preapproved so you can shop for your car with confidence.

Whether you're looking for a brand new or pre-owned vehicle, we offer low loan rates and flexible terms to meet your unique needs. Plus, for added convenience, you have the option to get preapproved online, by phone at 602-683-1000 or at any one of our branch locations. You can even request Arizona Financial financing directly from participating dealerships.

With an Arizona Financial auto loan, you have access to:


1 Rate discount only available with Arizona Financial auto loans. Auto loan rate subject to rate floor.