The best First-Time Car Buyer experience in AZ
Are you a first-time car buyer with little or no credit? We can help you finance your first car loan and drive away happy!
A First-Time Car Buyer Program You Can Count On!
Your monthly car payment will be affordable and consistent, even if the market changes.
Save your hard-earned money and have confidence that applying for an auto loan at Arizona Financial won't cost you a dime.
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. Learn more.
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.
Enjoy choosing a 2009 or newer vehicle that fits your taste and budget with financing up to $100,000.1
Have flexibility with your repayment schedule. Our first-time car buyer program offers terms up to 72 months.
It's Easy to Apply for our
First-Time Car Buyer Program!
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Car Requirements
First time car buyer applicants must purchase a 2009 vehicle or newer.
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Employment Requirements
Applicants must have been employed for at least 1 year at their current employer.
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Income Requirements
First time car buyers ready to apply should have a monthly income of at least $2,500.
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Monthly Payment Restrictions
Members must have a residual income of at least $2,000 once their car loan payment has been determined.
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, 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.
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 up to $500
- 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 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 for details.
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 for details.
