Auto Loan Rates in Arizona (AZ) for July 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of local and national lenders actively lending to borrowers in Arizona. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
Current auto loan rates in Arizona include American Airlines Federal Credit UnionAmerican Airlines Federal Credit Union3800 E Sky Harbor Blvd Terminal 4, Phoenix, AZ, 85034A+5.0 ★Texas Ratio: 2.51% offering New Auto at 3.34%, Sierra Pacific Federal Credit UnionSierra Pacific Federal Credit Union1600 E Northern Ave, Phoenix, AZ, 85020 3933A+5.0 ★Texas Ratio: 1.48% offering New and Used Auto Loan at 3.94%, Florida West Coast Credit UnionFlorida West Coast Credit Union4801 E THISTLE LANDING DR, PHOENIX, AZ, 85044A+5.0 ★Texas Ratio: 1.91% offering New Automobile at 3.99%, Credit Union of Southern CaliforniaCredit Union of Southern California1871 Kiowa Ave, Lake Havasu City, AZ, 86403A+5.0 ★Texas Ratio: 2.43% offering Vehicle Loan at 3.99%, Firefighters First Federal Credit UnionFirefighters First Federal Credit Union2151 E Broadway Rd, Tempe, AZ, 85282 1893A+5.0 ★Texas Ratio: 1.51% offering New & Used Autos at 4.24%. Auto loan rates as of July 15, 2026 according to verified data from MonitorBankRates.
Use the tabs below to compare auto loan rates across Arizona side-by-side. Arizona auto loan rates currently start as low as 3.34% APR from American Airlines Federal Credit Union at 3800 E Sky Harbor Blvd Terminal 4, Phoenix, AZ, 85034. Rates are continually updated — we recommend checking back frequently.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in Arizona. Auto Loan Rates Last Updated and Verified: July 15, 2026
Compare Auto Loan Rates Today in Arizona
Arizona Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
3800 E Sky Harbor Blvd Terminal 4, Phoenix, AZ, 85034
New Auto
3.34%
Up to 36 Months
▼
APR3.34%
TermUp to 36 Months
Last UpdatedJul 15, 2026
Details
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
3800 E Sky Harbor Blvd Terminal 4, Phoenix, AZ, 85034
Used Auto
3.84%
Up to 36 Months
▼
APR3.84%
TermUp to 36 Months
Last UpdatedJul 15, 2026
Details
Sierra Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
1600 E Northern Ave, Phoenix, AZ, 85020 3933
New and Used Auto Loan
3.94%
36 Months
▼
APR3.94%
Term36 Months
Last UpdatedJul 6, 2026
Details
As low as; Rates apply to 2019 or newer models if conditions are met. Rates and terms are based on creditworthiness and subject to change. Additional conditions may apply. See credit union for details.
Florida West Coast Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.91%
4801 E THISTLE LANDING DR, PHOENIX, AZ, 85044
New Automobile
3.99%
up to 84 Months
▼
APR3.99%
Termup to 84 Months
Last UpdatedJul 7, 2026
Details
New Automobile (2025 & newer)
Credit Union of Southern California
Institution Rating:
A+5.0 ★ Texas Ratio: 2.43%
1871 Kiowa Ave, Lake Havasu City, AZ, 86403
Vehicle Loan
3.99%
up to 36 months
▼
APR3.99%
Termup to 36 months
Last UpdatedJul 11, 2026
Details
As Low As; Available for new, preowned, and refinanced vehicles. Includes 0.50% discount for direct payroll deposit of $750 monthly and 0.25% discount for Rewards+ Loyalty Member. Rate may adjust if direct deposit is discontinued. Financing up to 120% of retail vehicle value. 90-day payment deferment available with interest accrual.
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
3800 E Sky Harbor Blvd Terminal 4, Phoenix, AZ, 85034
New Auto
4.09%
Up to 60 months
▼
APR4.09%
TermUp to 60 months
Last UpdatedJul 15, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
2151 E Broadway Rd, Tempe, AZ, 85282 1893
New & Used Autos
4.24%
24 Mos.
▼
APR4.24%
Term24 Mos.
Last UpdatedJul 10, 2026
Details
As Low As
Sierra Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
1600 E Northern Ave, Phoenix, AZ, 85020 3933
New and Used Auto Loan
4.34%
48 Months
▼
APR4.34%
Term48 Months
Last UpdatedJul 6, 2026
Details
As low as; Rates apply to 2019 or newer models if conditions are met. Rates and terms are based on creditworthiness and subject to change. Additional conditions may apply. See credit union for details.
Florida West Coast Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.91%
4801 E THISTLE LANDING DR, PHOENIX, AZ, 85044
Used Automobile
4.49%
up to 72 months
▼
APR4.49%
Termup to 72 months
Last UpdatedJul 7, 2026
Details
Used Automobile (2017 & newer)
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
2151 E Broadway Rd, Tempe, AZ, 85282 1893
New & Used Autos
4.49%
48 Mos.
▼
APR4.49%
Term48 Mos.
Last UpdatedJul 10, 2026
Details
As Low As
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
2151 E Broadway Rd, Tempe, AZ, 85282 1893
New and Used Auto Loans
4.49%
60 months
▼
APR4.49%
Term60 months
Last UpdatedJul 10, 2026
Details
As Low As; APR = Annual Percentage Rate
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
3800 E Sky Harbor Blvd Terminal 4, Phoenix, AZ, 85034
Used Auto
4.59%
Up to 60 months
▼
APR4.59%
TermUp to 60 months
Last UpdatedJul 15, 2026
Details
Credit Union of Southern California
Institution Rating:
A+5.0 ★ Texas Ratio: 2.43%
1871 Kiowa Ave, Lake Havasu City, AZ, 86403
New Auto
4.64%
Up to 60 months
▼
APR4.64%
TermUp to 60 months
Last UpdatedJul 11, 2026
Details
Sierra Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
1600 E Northern Ave, Phoenix, AZ, 85020 3933
New and Used Auto Loan
4.74%
60 Months
▼
APR4.74%
Term60 Months
Last UpdatedJul 6, 2026
Details
As low as; Rates apply to 2019 or newer models if conditions are met. Rates and terms are based on creditworthiness and subject to change. Additional conditions may apply. See credit union for details.
Credit Union of Southern California
Institution Rating:
A+5.0 ★ Texas Ratio: 2.43%
1871 Kiowa Ave, Lake Havasu City, AZ, 86403
New Auto
4.89%
Up to 72 months
▼
APR4.89%
TermUp to 72 months
Last UpdatedJul 11, 2026
Details
Credit Union of Southern California
Institution Rating:
A+5.0 ★ Texas Ratio: 2.43%
1871 Kiowa Ave, Lake Havasu City, AZ, 86403
Pre-owned Auto
4.89%
Up to 60 months
▼
APR4.89%
TermUp to 60 months
Last UpdatedJul 11, 2026
Details
Greenwich Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
240 N Roosevelt Ave, Chandler, AZ, 85226
New Cars Loan
4.90%
36 Months
▼
APR4.90%
Term36 Months
Last UpdatedJul 15, 2026
Details
Prescott Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.38%
500 N State Route 89, Prescott, AZ, 86313 5001
New Auto loans
4.95%
Up to 84 Months
▼
APR4.95%
TermUp to 84 Months
Last UpdatedJul 6, 2026
Details
As Low As; Min $20,000.00
1st Bank Yuma
Institution Rating:
A5.0 ★ Texas Ratio: 6.49%
645 N William Brooks Ave, San Luis, AZ, 85336
New Auto
4.95%
48 months
▼
APR4.95%
Term48 months
Last UpdatedJul 14, 2026
Details
1st Bank Yuma
Institution Rating:
A5.0 ★ Texas Ratio: 6.49%
645 N William Brooks Ave, San Luis, AZ, 85336
Used Auto
4.95%
48 months
▼
APR4.95%
Term48 months
Last UpdatedJul 14, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
2151 E Broadway Rd, Tempe, AZ, 85282 1893
New & Used Autos
4.99%
72 Mos.
▼
APR4.99%
Term72 Mos.
Last UpdatedJul 10, 2026
Details
As Low As
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.12%
5910 W Northern Ave, Glendale, AZ, 85301
New & used car loans
4.99%
60-month
▼
APR4.99%
Term60-month
Last UpdatedJul 15, 2026
Details
As low as
America First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.26%
6846 E Warner Rd, Mesa, AZ, 85212 2138
Auto Loan
4.99%
5 Years
▼
APR4.99%
Term5 Years
Last UpdatedJul 15, 2026
Details
As Low As; Fixed. Your rate may be higher depending on credit history and underwriting criteria. The maximum APR for consumer loans is 18%.
America First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.26%
6846 E Warner Rd, Mesa, AZ, 85212 2138
Utah Auto Loans
4.99%
5 Year Fixed
▼
APR4.99%
Term5 Year Fixed
Last UpdatedJul 15, 2026
Details
Credit Union of Southern California
Institution Rating:
A+5.0 ★ Texas Ratio: 2.43%
1871 Kiowa Ave, Lake Havasu City, AZ, 86403
Pre-owned Auto
5.14%
Up to 72 months
▼
APR5.14%
TermUp to 72 months
Last UpdatedJul 11, 2026
Details
1st Bank Yuma
Institution Rating:
A5.0 ★ Texas Ratio: 6.49%
645 N William Brooks Ave, San Luis, AZ, 85336
New Auto
5.15%
60 months
▼
APR5.15%
Term60 months
Last UpdatedJul 14, 2026
Details
1st Bank Yuma
Institution Rating:
A5.0 ★ Texas Ratio: 6.49%
645 N William Brooks Ave, San Luis, AZ, 85336
Used Auto
5.15%
60 months
▼
APR5.15%
Term60 months
Last UpdatedJul 14, 2026
Details
Prescott Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.38%
500 N State Route 89, Prescott, AZ, 86313 5001
New Auto loans
5.20%
Up to 84 Months
▼
APR5.20%
TermUp to 84 Months
Last UpdatedJul 6, 2026
Details
As Low As
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.12%
5910 W Northern Ave, Glendale, AZ, 85301
New car loans
5.24%
72-month
▼
APR5.24%
Term72-month
Last UpdatedJul 15, 2026
Details
As low as
America First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.26%
6846 E Warner Rd, Mesa, AZ, 85212 2138
Auto Loan
5.24%
6 Years
▼
APR5.24%
Term6 Years
Last UpdatedJul 15, 2026
Details
As Low As; Fixed. Your rate may be higher depending on credit history and underwriting criteria. The maximum APR for consumer loans is 18%.
America First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.26%
6846 E Warner Rd, Mesa, AZ, 85212 2138
Auto Loan - Declining Rate Auto
5.24%
5 Years
▼
APR5.24%
Term5 Years
Last UpdatedJul 15, 2026
Details
As Low As; Fixed. Your rate may be higher depending on credit history and underwriting criteria. The maximum APR for consumer loans is 18%.
Prescott Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.38%
500 N State Route 89, Prescott, AZ, 86313 5001
Used Auto loans
5.25%
Up to 84 Months
▼
APR5.25%
TermUp to 84 Months
Last UpdatedJul 6, 2026
Details
As Low As; Min $15,000.00
Idaho Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.86%
9725 E Broadway Blvd, Tucson, AZ, 85748
Vehicle Loan
5.29%
48 months
▼
APR5.29%
Term48 months
Last UpdatedJul 11, 2026
Details
As Low As; Your rate and/or term may vary depending on vehicle age, credit history, and underwriting criteria. Rates updated daily.
Credit Union of Southern California
Institution Rating:
A+5.0 ★ Texas Ratio: 2.43%
1871 Kiowa Ave, Lake Havasu City, AZ, 86403
New Auto
5.29%
Up to 84 months
▼
APR5.29%
TermUp to 84 months
Last UpdatedJul 11, 2026
Details
Sharefax Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.03%
615 N 48th St, Phoenix, AZ, 85008 6608
Vehicle Loans MODEL YEAR 2023 & NEWER Up to 63 Months
5.39%
63 Months
▼
APR5.39%
Term63 Months
Last UpdatedJul 6, 2026
Details
As Low As
Sierra Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
1600 E Northern Ave, Phoenix, AZ, 85020 3933
New and Used Auto Loan
5.44%
72 Months
▼
APR5.44%
Term72 Months
Last UpdatedJul 6, 2026
Details
As low as; Rates apply to 2019 or newer models if conditions are met. Rates and terms are based on creditworthiness and subject to change. Additional conditions may apply. See credit union for details.
1st Bank Yuma
Institution Rating:
A5.0 ★ Texas Ratio: 6.49%
645 N William Brooks Ave, San Luis, AZ, 85336
New Auto
5.45%
72 months
▼
APR5.45%
Term72 months
Last UpdatedJul 14, 2026
Details
Minimum loan amount $15,000
1st Bank Yuma
Institution Rating:
A5.0 ★ Texas Ratio: 6.49%
645 N William Brooks Ave, San Luis, AZ, 85336
Used Auto
5.45%
72 months
▼
APR5.45%
Term72 months
Last UpdatedJul 14, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
2151 E Broadway Rd, Tempe, AZ, 85282 1893
New & Used Autos
5.49%
84 Mos.
▼
APR5.49%
Term84 Mos.
Last UpdatedJul 10, 2026
Details
As Low As
Landings Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.51%
2800 S Mill Ave, Tempe, AZ, 85282
New Vehicles 2025 & Newer Loan
5.49%
48 months
▼
APR5.49%
Term48 months
Last UpdatedJul 11, 2026
Details
As Low As; Fixed Rates
Rim Country Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.31%
216 S Main St, Snowflake, AZ, 85937
NEW & USED VEHICLES 12 yrs or newer-term depends on mileage & value-48 Months Loan
5.49%
48 Months
▼
APR5.49%
Term48 Months
Last UpdatedJul 15, 2026
Details
As Low As
Prescott Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.38%
500 N State Route 89, Prescott, AZ, 86313 5001
Used Auto Loans
5.50%
Up to 84 Months
▼
APR5.50%
TermUp to 84 Months
Last UpdatedJul 6, 2026
Details
As Low As
Alhambra Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.40%
13331 W Indian School Rd Ste 205, Litchfield Park, AZ, 85340
New Vehicle Loan
5.50%
60 Months
▼
APR5.50%
Term60 Months
Last UpdatedJul 10, 2026
Details
New Vehicle Loans as low as
Arizona Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.01%
2020 N CENTRAL AVE STE 100, PHOENIX, AZ, 85004
Auto Loan
5.50%
up to 48 months
▼
APR5.50%
Termup to 48 months
Last UpdatedJul 11, 2026
Details
As Low As; offering flexible terms up to 48 months to help you hit the road with affordable monthly payments.
Idaho Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.86%
9725 E Broadway Blvd, Tucson, AZ, 85748
Vehicle Loan
5.54%
60 months
▼
APR5.54%
Term60 months
Last UpdatedJul 11, 2026
Details
As Low As; Your rate and/or term may vary depending on vehicle age, credit history, and underwriting criteria. Rates updated daily.
Credit Union of Southern California
Institution Rating:
A+5.0 ★ Texas Ratio: 2.43%
1871 Kiowa Ave, Lake Havasu City, AZ, 86403
Pre-owned Auto
5.54%
Up to 84 months
▼
APR5.54%
TermUp to 84 months
Last UpdatedJul 11, 2026
Details
Landings Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.51%
2800 S Mill Ave, Tempe, AZ, 85282
New Vehicles 2025 & Newer Loan
5.74%
60 months
▼
APR5.74%
Term60 months
Last UpdatedJul 11, 2026
Details
As Low As; Fixed Rates
Landings Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.51%
2800 S Mill Ave, Tempe, AZ, 85282
Used Vehicles 2021 to 2024 Loan
5.74%
48 months
▼
APR5.74%
Term48 months
Last UpdatedJul 11, 2026
Details
As Low As; Fixed Rates
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 17.71%
111 W Rio Salado Pkwy, Tempe, AZ, 85281
New & Used Vehicles Loan
5.74%
Up to 2 years
▼
APR5.74%
TermUp to 2 years
Last UpdatedJul 15, 2026
Details
Rim Country Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.31%
216 S Main St, Snowflake, AZ, 85937
NEW & USED VEHICLES 12 yrs or newer-term depends on mileage & value-60 Months Loan
5.74%
60 Months
▼
APR5.74%
Term60 Months
Last UpdatedJul 15, 2026
Details
As Low As
Sharefax Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.03%
615 N 48th St, Phoenix, AZ, 85008 6608
Vehicle Loans MODEL YEAR 2023 & NEWER Up to 75 Months
5.79%
75 Months
▼
APR5.79%
Term75 Months
Last UpdatedJul 6, 2026
Details
As Low As
SunWest Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.53%
5323 N 99th Ave Ste 220, Glendale, AZ, 85305 2224
Auto Loan
5.84%
36 months
▼
APR5.84%
Term36 months
Last UpdatedJul 6, 2026
Details
Actual rate will be determined by your Experian FICO 2 Credit Score. (model years 2025 + newer)
Idaho Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.86%
9725 E Broadway Blvd, Tucson, AZ, 85748
Vehicle Loan
5.84%
72 months
▼
APR5.84%
Term72 months
Last UpdatedJul 11, 2026
Details
As Low As; Your rate and/or term may vary depending on vehicle age, credit history, and underwriting criteria. Rates updated daily.
Greenwich Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
240 N Roosevelt Ave, Chandler, AZ, 85226
New Cars Loan
5.90%
72 Months
▼
APR5.90%
Term72 Months
Last UpdatedJul 15, 2026
Details
Greenwich Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
240 N Roosevelt Ave, Chandler, AZ, 85226
Used Cars - 36 Months Loan
5.90%
36 Months
▼
APR5.90%
Term36 Months
Last UpdatedJul 15, 2026
Details
Greenwich Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
240 N Roosevelt Ave, Chandler, AZ, 85226
Used Cars - 48 Months Loan
5.90%
48 Months
▼
APR5.90%
Term48 Months
Last UpdatedJul 15, 2026
Details
Greenwich Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
240 N Roosevelt Ave, Chandler, AZ, 85226
Used Cars - 60 Months Loan
5.90%
60 Months
▼
APR5.90%
Term60 Months
Last UpdatedJul 15, 2026
Details
Greenwich Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
240 N Roosevelt Ave, Chandler, AZ, 85226
Used Cars Loan
5.90%
36 Months
▼
APR5.90%
Term36 Months
Last UpdatedJul 15, 2026
Details
Sierra Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
1600 E Northern Ave, Phoenix, AZ, 85020 3933
New and Used Auto Loan
5.94%
84 Months
▼
APR5.94%
Term84 Months
Last UpdatedJul 6, 2026
Details
As low as; Rates apply to 2019 or newer models if conditions are met. Rates and terms are based on creditworthiness and subject to change. Additional conditions may apply. See credit union for details.
1st Bank Yuma
Institution Rating:
A5.0 ★ Texas Ratio: 6.49%
645 N William Brooks Ave, San Luis, AZ, 85336
New Auto
5.95%
84 months
▼
APR5.95%
Term84 months
Last UpdatedJul 14, 2026
Details
Minimum loan amount $20,000
1st Bank Yuma
Institution Rating:
A5.0 ★ Texas Ratio: 6.49%
645 N William Brooks Ave, San Luis, AZ, 85336
Used Auto
5.95%
84 months
▼
APR5.95%
Term84 months
Last UpdatedJul 14, 2026
Details
Alhambra Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.40%
13331 W Indian School Rd Ste 205, Litchfield Park, AZ, 85340
Used Vehicle Loan
5.99%
60 Months
▼
APR5.99%
Term60 Months
Last UpdatedJul 10, 2026
Details
Used Vehicle Loans as low as
Landings Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.51%
2800 S Mill Ave, Tempe, AZ, 85282
New Vehicles 2025 & Newer Loan
5.99%
72 months
▼
APR5.99%
Term72 months
Last UpdatedJul 11, 2026
Details
As Low As; Fixed Rates
Landings Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.51%
2800 S Mill Ave, Tempe, AZ, 85282
Used Vehicles 2021 to 2024 Loan
5.99%
60 months
▼
APR5.99%
Term60 months
Last UpdatedJul 11, 2026
Details
As Low As; Fixed Rates
Corporate America Family Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.43%
8337 W Bell Rd Ste 102, Peoria, AZ, 85382 3798
New Auto Loan
5.99%
60 months or less
▼
APR5.99%
Term60 months or less
Last UpdatedJul 11, 2026
Details
Rate assumes loan to value of 100% or less and term of 60 months or less. Not all borrowers will qualify for the lowest interest rate.
Rim Country Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.31%
216 S Main St, Snowflake, AZ, 85937
NEW & USED VEHICLES 12 yrs or newer-term depends on mileage & value-72 Months Loan
5.99%
72 Months
▼
APR5.99%
Term72 Months
Last UpdatedJul 15, 2026
Details
As Low As
America First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.26%
6846 E Warner Rd, Mesa, AZ, 85212 2138
Auto Loan
5.99%
7 Years
▼
APR5.99%
Term7 Years
Last UpdatedJul 15, 2026
Details
As Low As; Fixed. Your rate may be higher depending on credit history and underwriting criteria. The maximum APR for consumer loans is 18%.
Alhambra Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.40%
13331 W Indian School Rd Ste 205, Litchfield Park, AZ, 85340
New Vehicle Loan
6.00%
72 Months
▼
APR6.00%
Term72 Months
Last UpdatedJul 10, 2026
Details
New Vehicle Loans as low as
SunWest Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.53%
5323 N 99th Ave Ste 220, Glendale, AZ, 85305 2224
Auto Loan
6.12%
36 months
▼
APR6.12%
Term36 months
Last UpdatedJul 6, 2026
Details
Actual rate will be determined by your Experian FICO 2 Credit Score. (model years 2024 + older)
Sharefax Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.03%
615 N 48th St, Phoenix, AZ, 85008 6608
Vehicle Loans MODEL YEAR 2023 & NEWER Up to 84 Months
6.24%
84 Months
▼
APR6.24%
Term84 Months
Last UpdatedJul 6, 2026
Details
As Low As
Landings Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.51%
2800 S Mill Ave, Tempe, AZ, 85282
Used Vehicles 2021 to 2024 Loan
6.24%
72 months
▼
APR6.24%
Term72 months
Last UpdatedJul 11, 2026
Details
As Low As; Fixed Rates
SunWest Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.53%
5323 N 99th Ave Ste 220, Glendale, AZ, 85305 2224
Auto Loan
6.34%
72 months
▼
APR6.34%
Term72 months
Last UpdatedJul 6, 2026
Details
Actual rate will be determined by your Experian FICO 2 Credit Score. (model years 2025 + newer)
Sharefax Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.03%
615 N 48th St, Phoenix, AZ, 85008 6608
Vehicle Loans MODEL YEAR 2020-2022 Up to 63 Months
6.44%
63 Months
▼
APR6.44%
Term63 Months
Last UpdatedJul 6, 2026
Details
As Low As
Alhambra Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.40%
13331 W Indian School Rd Ste 205, Litchfield Park, AZ, 85340
New Vehicle Loan
6.50%
84 Months
▼
APR6.50%
Term84 Months
Last UpdatedJul 10, 2026
Details
New Vehicle Loans as low as
Alhambra Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.40%
13331 W Indian School Rd Ste 205, Litchfield Park, AZ, 85340
Used Vehicle Loan
6.50%
72 Months
▼
APR6.50%
Term72 Months
Last UpdatedJul 10, 2026
Details
Used Vehicle Loans as low as
SunWest Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.53%
5323 N 99th Ave Ste 220, Glendale, AZ, 85305 2224
Auto Loan
6.64%
72 months
▼
APR6.64%
Term72 months
Last UpdatedJul 6, 2026
Details
Actual rate will be determined by your Experian FICO 2 Credit Score. (model years 2024 + older)
Sharefax Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.03%
615 N 48th St, Phoenix, AZ, 85008 6608
Vehicle Loans MODEL YEAR 2020-2022 Up to 75 Months
6.74%
75 Months
▼
APR6.74%
Term75 Months
Last UpdatedJul 6, 2026
Details
As Low As
Greenwich Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
240 N Roosevelt Ave, Chandler, AZ, 85226
New Cars Loan
6.90%
84 Months
▼
APR6.90%
Term84 Months
Last UpdatedJul 15, 2026
Details
Greenwich Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
240 N Roosevelt Ave, Chandler, AZ, 85226
Used Cars - 72 Months Loan
6.90%
72 Months
▼
APR6.90%
Term72 Months
Last UpdatedJul 15, 2026
Details
Greenwich Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
240 N Roosevelt Ave, Chandler, AZ, 85226
Used Cars Loan
6.90%
72 Months
▼
APR6.90%
Term72 Months
Last UpdatedJul 15, 2026
Details
Sharefax Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.03%
615 N 48th St, Phoenix, AZ, 85008 6608
Vehicle Loans MODEL YEAR 2019 and Older Up to 63 Months
6.94%
63 Months
▼
APR6.94%
Term63 Months
Last UpdatedJul 6, 2026
Details
As Low As
SunWest Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.53%
5323 N 99th Ave Ste 220, Glendale, AZ, 85305 2224
Auto Loan
7.04%
84 months
▼
APR7.04%
Term84 months
Last UpdatedJul 6, 2026
Details
Actual rate will be determined by your Experian FICO 2 Credit Score. (model years 2025 + newer)
Sierra Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
1600 E Northern Ave, Phoenix, AZ, 85020 3933
Classic Cars Loan
7.25%
48 Months
▼
APR7.25%
Term48 Months
Last UpdatedJul 6, 2026
Details
As Low As; Rates apply to 2015 or newer models if conditions are met. See credit union for details. Payment example: A new recreational loan of $20,000 financed at 6.19% APR for 48 months equals a payment of $471.43 per month.
SunWest Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.53%
5323 N 99th Ave Ste 220, Glendale, AZ, 85305 2224
Auto Loan
7.36%
84 months
▼
APR7.36%
Term84 months
Last UpdatedJul 6, 2026
Details
Actual rate will be determined by your Experian FICO 2 Credit Score. (model years 2024 + older)
Sharefax Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.03%
615 N 48th St, Phoenix, AZ, 85008 6608
Vehicle Loans MODEL YEAR 2020-2022 Up to 84 Months
7.44%
84 Months
▼
APR7.44%
Term84 Months
Last UpdatedJul 6, 2026
Details
As Low As
Credit Union of Southern California
Institution Rating:
A+5.0 ★ Texas Ratio: 2.43%
1871 Kiowa Ave, Lake Havasu City, AZ, 86403
Pre-owned RV/trailer loan
7.49%
up to 84 months
▼
APR7.49%
Termup to 84 months
Last UpdatedJul 11, 2026
Details
Max APR: 11.49%
Alhambra Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.40%
13331 W Indian School Rd Ste 205, Litchfield Park, AZ, 85340
Used Vehicle Loan
7.50%
84 Months
▼
APR7.50%
Term84 Months
Last UpdatedJul 10, 2026
Details
Used Vehicle Loans as low as
America First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.26%
6846 E Warner Rd, Mesa, AZ, 85212 2138
Auto Loan - (Minimum Loan Amount of Required)
7.74%
8 Years
▼
APR7.74%
Term8 Years
Last UpdatedJul 15, 2026
Details
$30,000; As Low As; Fixed. Your rate may be higher depending on credit history and underwriting criteria. The maximum APR for consumer loans is 18%.
Greenwich Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
240 N Roosevelt Ave, Chandler, AZ, 85226
Used Cars - 84 Months Loan
7.90%
84 Months
▼
APR7.90%
Term84 Months
Last UpdatedJul 15, 2026
Details
Greenwich Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
240 N Roosevelt Ave, Chandler, AZ, 85226
Used Cars Loan
7.90%
84 Months
▼
APR7.90%
Term84 Months
Last UpdatedJul 15, 2026
Details
Credit Union of Southern California
Institution Rating:
A+5.0 ★ Texas Ratio: 2.43%
1871 Kiowa Ave, Lake Havasu City, AZ, 86403
Pre-owned RV/trailer loan
8.49%
up to 180 months
▼
APR8.49%
Termup to 180 months
Last UpdatedJul 11, 2026
Details
Max APR: 12.49%
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 17.71%
111 W Rio Salado Pkwy, Tempe, AZ, 85281
Classic Vehicle Loans
8.99%
Up to 4 years
▼
APR8.99%
TermUp to 4 years
Last UpdatedJul 15, 2026
Details
Pyramid Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.56%
4491 N Oracle Rd, Tucson, AZ, 85705
Commercial Vehicle Loan
11.50%
up to 96 Months
▼
APR11.50%
Termup to 96 Months
Last UpdatedJul 10, 2026
Details
As Low As; **
Powered by
MonitorBankRates
Arizona New Auto Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
3800 E Sky Harbor Blvd Terminal 4, Phoenix, AZ, 85034
New Auto
3.34%
Up to 36 Months
▼
APR3.34%
TermUp to 36 Months
Last UpdatedJul 15, 2026
Details
Sierra Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
1600 E Northern Ave, Phoenix, AZ, 85020 3933
New and Used Auto Loan
3.94%
36 Months
▼
APR3.94%
Term36 Months
Last UpdatedJul 6, 2026
Details
As low as; Rates apply to 2019 or newer models if conditions are met. Rates and terms are based on creditworthiness and subject to change. Additional conditions may apply. See credit union for details.
Florida West Coast Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.91%
4801 E THISTLE LANDING DR, PHOENIX, AZ, 85044
New Automobile
3.99%
up to 84 Months
▼
APR3.99%
Termup to 84 Months
Last UpdatedJul 7, 2026
Details
New Automobile (2025 & newer)
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
3800 E Sky Harbor Blvd Terminal 4, Phoenix, AZ, 85034
New Auto
4.09%
Up to 60 months
▼
APR4.09%
TermUp to 60 months
Last UpdatedJul 15, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
2151 E Broadway Rd, Tempe, AZ, 85282 1893
New & Used Autos
4.24%
24 Mos.
▼
APR4.24%
Term24 Mos.
Last UpdatedJul 10, 2026
Details
As Low As
Sierra Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
1600 E Northern Ave, Phoenix, AZ, 85020 3933
New and Used Auto Loan
4.34%
48 Months
▼
APR4.34%
Term48 Months
Last UpdatedJul 6, 2026
Details
As low as; Rates apply to 2019 or newer models if conditions are met. Rates and terms are based on creditworthiness and subject to change. Additional conditions may apply. See credit union for details.
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
2151 E Broadway Rd, Tempe, AZ, 85282 1893
New & Used Autos
4.49%
48 Mos.
▼
APR4.49%
Term48 Mos.
Last UpdatedJul 10, 2026
Details
As Low As
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
2151 E Broadway Rd, Tempe, AZ, 85282 1893
New and Used Auto Loans
4.49%
60 months
▼
APR4.49%
Term60 months
Last UpdatedJul 10, 2026
Details
As Low As; APR = Annual Percentage Rate
Credit Union of Southern California
Institution Rating:
A+5.0 ★ Texas Ratio: 2.43%
1871 Kiowa Ave, Lake Havasu City, AZ, 86403
New Auto
4.64%
Up to 60 months
▼
APR4.64%
TermUp to 60 months
Last UpdatedJul 11, 2026
Details
Sierra Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
1600 E Northern Ave, Phoenix, AZ, 85020 3933
New and Used Auto Loan
4.74%
60 Months
▼
APR4.74%
Term60 Months
Last UpdatedJul 6, 2026
Details
As low as; Rates apply to 2019 or newer models if conditions are met. Rates and terms are based on creditworthiness and subject to change. Additional conditions may apply. See credit union for details.
Credit Union of Southern California
Institution Rating:
A+5.0 ★ Texas Ratio: 2.43%
1871 Kiowa Ave, Lake Havasu City, AZ, 86403
New Auto
4.89%
Up to 72 months
▼
APR4.89%
TermUp to 72 months
Last UpdatedJul 11, 2026
Details
Greenwich Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
240 N Roosevelt Ave, Chandler, AZ, 85226
New Cars Loan
4.90%
36 Months
▼
APR4.90%
Term36 Months
Last UpdatedJul 15, 2026
Details
Prescott Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.38%
500 N State Route 89, Prescott, AZ, 86313 5001
New Auto loans
4.95%
Up to 84 Months
▼
APR4.95%
TermUp to 84 Months
Last UpdatedJul 6, 2026
Details
As Low As; Min $20,000.00
1st Bank Yuma
Institution Rating:
A5.0 ★ Texas Ratio: 6.49%
645 N William Brooks Ave, San Luis, AZ, 85336
New Auto
4.95%
48 months
▼
APR4.95%
Term48 months
Last UpdatedJul 14, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
2151 E Broadway Rd, Tempe, AZ, 85282 1893
New & Used Autos
4.99%
72 Mos.
▼
APR4.99%
Term72 Mos.
Last UpdatedJul 10, 2026
Details
As Low As
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.12%
5910 W Northern Ave, Glendale, AZ, 85301
New & used car loans
4.99%
60-month
▼
APR4.99%
Term60-month
Last UpdatedJul 15, 2026
Details
As low as
1st Bank Yuma
Institution Rating:
A5.0 ★ Texas Ratio: 6.49%
645 N William Brooks Ave, San Luis, AZ, 85336
New Auto
5.15%
60 months
▼
APR5.15%
Term60 months
Last UpdatedJul 14, 2026
Details
Prescott Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.38%
500 N State Route 89, Prescott, AZ, 86313 5001
New Auto loans
5.20%
Up to 84 Months
▼
APR5.20%
TermUp to 84 Months
Last UpdatedJul 6, 2026
Details
As Low As
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.12%
5910 W Northern Ave, Glendale, AZ, 85301
New car loans
5.24%
72-month
▼
APR5.24%
Term72-month
Last UpdatedJul 15, 2026
Details
As low as
Credit Union of Southern California
Institution Rating:
A+5.0 ★ Texas Ratio: 2.43%
1871 Kiowa Ave, Lake Havasu City, AZ, 86403
New Auto
5.29%
Up to 84 months
▼
APR5.29%
TermUp to 84 months
Last UpdatedJul 11, 2026
Details
Sharefax Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.03%
615 N 48th St, Phoenix, AZ, 85008 6608
Vehicle Loans MODEL YEAR 2023 & NEWER Up to 63 Months
5.39%
63 Months
▼
APR5.39%
Term63 Months
Last UpdatedJul 6, 2026
Details
As Low As
Sierra Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
1600 E Northern Ave, Phoenix, AZ, 85020 3933
New and Used Auto Loan
5.44%
72 Months
▼
APR5.44%
Term72 Months
Last UpdatedJul 6, 2026
Details
As low as; Rates apply to 2019 or newer models if conditions are met. Rates and terms are based on creditworthiness and subject to change. Additional conditions may apply. See credit union for details.
1st Bank Yuma
Institution Rating:
A5.0 ★ Texas Ratio: 6.49%
645 N William Brooks Ave, San Luis, AZ, 85336
New Auto
5.45%
72 months
▼
APR5.45%
Term72 months
Last UpdatedJul 14, 2026
Details
Minimum loan amount $15,000
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
2151 E Broadway Rd, Tempe, AZ, 85282 1893
New & Used Autos
5.49%
84 Mos.
▼
APR5.49%
Term84 Mos.
Last UpdatedJul 10, 2026
Details
As Low As
Landings Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.51%
2800 S Mill Ave, Tempe, AZ, 85282
New Vehicles 2025 & Newer Loan
5.49%
48 months
▼
APR5.49%
Term48 months
Last UpdatedJul 11, 2026
Details
As Low As; Fixed Rates
Rim Country Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.31%
216 S Main St, Snowflake, AZ, 85937
NEW & USED VEHICLES 12 yrs or newer-term depends on mileage & value-48 Months Loan
5.49%
48 Months
▼
APR5.49%
Term48 Months
Last UpdatedJul 15, 2026
Details
As Low As
Alhambra Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.40%
13331 W Indian School Rd Ste 205, Litchfield Park, AZ, 85340
New Vehicle Loan
5.50%
60 Months
▼
APR5.50%
Term60 Months
Last UpdatedJul 10, 2026
Details
New Vehicle Loans as low as
Landings Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.51%
2800 S Mill Ave, Tempe, AZ, 85282
New Vehicles 2025 & Newer Loan
5.74%
60 months
▼
APR5.74%
Term60 months
Last UpdatedJul 11, 2026
Details
As Low As; Fixed Rates
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 17.71%
111 W Rio Salado Pkwy, Tempe, AZ, 85281
New & Used Vehicles Loan
5.74%
Up to 2 years
▼
APR5.74%
TermUp to 2 years
Last UpdatedJul 15, 2026
Details
Rim Country Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.31%
216 S Main St, Snowflake, AZ, 85937
NEW & USED VEHICLES 12 yrs or newer-term depends on mileage & value-60 Months Loan
5.74%
60 Months
▼
APR5.74%
Term60 Months
Last UpdatedJul 15, 2026
Details
As Low As
Sharefax Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.03%
615 N 48th St, Phoenix, AZ, 85008 6608
Vehicle Loans MODEL YEAR 2023 & NEWER Up to 75 Months
5.79%
75 Months
▼
APR5.79%
Term75 Months
Last UpdatedJul 6, 2026
Details
As Low As
Greenwich Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
240 N Roosevelt Ave, Chandler, AZ, 85226
New Cars Loan
5.90%
72 Months
▼
APR5.90%
Term72 Months
Last UpdatedJul 15, 2026
Details
Sierra Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
1600 E Northern Ave, Phoenix, AZ, 85020 3933
New and Used Auto Loan
5.94%
84 Months
▼
APR5.94%
Term84 Months
Last UpdatedJul 6, 2026
Details
As low as; Rates apply to 2019 or newer models if conditions are met. Rates and terms are based on creditworthiness and subject to change. Additional conditions may apply. See credit union for details.
1st Bank Yuma
Institution Rating:
A5.0 ★ Texas Ratio: 6.49%
645 N William Brooks Ave, San Luis, AZ, 85336
New Auto
5.95%
84 months
▼
APR5.95%
Term84 months
Last UpdatedJul 14, 2026
Details
Minimum loan amount $20,000
Landings Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.51%
2800 S Mill Ave, Tempe, AZ, 85282
New Vehicles 2025 & Newer Loan
5.99%
72 months
▼
APR5.99%
Term72 months
Last UpdatedJul 11, 2026
Details
As Low As; Fixed Rates
Corporate America Family Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.43%
8337 W Bell Rd Ste 102, Peoria, AZ, 85382 3798
New Auto Loan
5.99%
60 months or less
▼
APR5.99%
Term60 months or less
Last UpdatedJul 11, 2026
Details
Rate assumes loan to value of 100% or less and term of 60 months or less. Not all borrowers will qualify for the lowest interest rate.
Rim Country Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.31%
216 S Main St, Snowflake, AZ, 85937
NEW & USED VEHICLES 12 yrs or newer-term depends on mileage & value-72 Months Loan
5.99%
72 Months
▼
APR5.99%
Term72 Months
Last UpdatedJul 15, 2026
Details
As Low As
Alhambra Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.40%
13331 W Indian School Rd Ste 205, Litchfield Park, AZ, 85340
New Vehicle Loan
6.00%
72 Months
▼
APR6.00%
Term72 Months
Last UpdatedJul 10, 2026
Details
New Vehicle Loans as low as
Sharefax Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.03%
615 N 48th St, Phoenix, AZ, 85008 6608
Vehicle Loans MODEL YEAR 2023 & NEWER Up to 84 Months
6.24%
84 Months
▼
APR6.24%
Term84 Months
Last UpdatedJul 6, 2026
Details
As Low As
Alhambra Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.40%
13331 W Indian School Rd Ste 205, Litchfield Park, AZ, 85340
New Vehicle Loan
6.50%
84 Months
▼
APR6.50%
Term84 Months
Last UpdatedJul 10, 2026
Details
New Vehicle Loans as low as
Greenwich Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
240 N Roosevelt Ave, Chandler, AZ, 85226
New Cars Loan
6.90%
84 Months
▼
APR6.90%
Term84 Months
Last UpdatedJul 15, 2026
Details
Powered by
MonitorBankRates
Arizona Used Auto Auto Loan Rates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
3800 E Sky Harbor Blvd Terminal 4, Phoenix, AZ, 85034
Used Auto
3.84%
Up to 36 Months
▼
APR3.84%
TermUp to 36 Months
Last UpdatedJul 15, 2026
Details
Sierra Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
1600 E Northern Ave, Phoenix, AZ, 85020 3933
New and Used Auto Loan
3.94%
36 Months
▼
APR3.94%
Term36 Months
Last UpdatedJul 6, 2026
Details
As low as; Rates apply to 2019 or newer models if conditions are met. Rates and terms are based on creditworthiness and subject to change. Additional conditions may apply. See credit union for details.
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
2151 E Broadway Rd, Tempe, AZ, 85282 1893
New & Used Autos
4.24%
24 Mos.
▼
APR4.24%
Term24 Mos.
Last UpdatedJul 10, 2026
Details
As Low As
Sierra Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
1600 E Northern Ave, Phoenix, AZ, 85020 3933
New and Used Auto Loan
4.34%
48 Months
▼
APR4.34%
Term48 Months
Last UpdatedJul 6, 2026
Details
As low as; Rates apply to 2019 or newer models if conditions are met. Rates and terms are based on creditworthiness and subject to change. Additional conditions may apply. See credit union for details.
Florida West Coast Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.91%
4801 E THISTLE LANDING DR, PHOENIX, AZ, 85044
Used Automobile
4.49%
up to 72 months
▼
APR4.49%
Termup to 72 months
Last UpdatedJul 7, 2026
Details
Used Automobile (2017 & newer)
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
2151 E Broadway Rd, Tempe, AZ, 85282 1893
New & Used Autos
4.49%
48 Mos.
▼
APR4.49%
Term48 Mos.
Last UpdatedJul 10, 2026
Details
As Low As
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
2151 E Broadway Rd, Tempe, AZ, 85282 1893
New and Used Auto Loans
4.49%
60 months
▼
APR4.49%
Term60 months
Last UpdatedJul 10, 2026
Details
As Low As; APR = Annual Percentage Rate
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.51%
3800 E Sky Harbor Blvd Terminal 4, Phoenix, AZ, 85034
Used Auto
4.59%
Up to 60 months
▼
APR4.59%
TermUp to 60 months
Last UpdatedJul 15, 2026
Details
Sierra Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
1600 E Northern Ave, Phoenix, AZ, 85020 3933
New and Used Auto Loan
4.74%
60 Months
▼
APR4.74%
Term60 Months
Last UpdatedJul 6, 2026
Details
As low as; Rates apply to 2019 or newer models if conditions are met. Rates and terms are based on creditworthiness and subject to change. Additional conditions may apply. See credit union for details.
Credit Union of Southern California
Institution Rating:
A+5.0 ★ Texas Ratio: 2.43%
1871 Kiowa Ave, Lake Havasu City, AZ, 86403
Pre-owned Auto
4.89%
Up to 60 months
▼
APR4.89%
TermUp to 60 months
Last UpdatedJul 11, 2026
Details
1st Bank Yuma
Institution Rating:
A5.0 ★ Texas Ratio: 6.49%
645 N William Brooks Ave, San Luis, AZ, 85336
Used Auto
4.95%
48 months
▼
APR4.95%
Term48 months
Last UpdatedJul 14, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
2151 E Broadway Rd, Tempe, AZ, 85282 1893
New & Used Autos
4.99%
72 Mos.
▼
APR4.99%
Term72 Mos.
Last UpdatedJul 10, 2026
Details
As Low As
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.12%
5910 W Northern Ave, Glendale, AZ, 85301
New & used car loans
4.99%
60-month
▼
APR4.99%
Term60-month
Last UpdatedJul 15, 2026
Details
As low as
Credit Union of Southern California
Institution Rating:
A+5.0 ★ Texas Ratio: 2.43%
1871 Kiowa Ave, Lake Havasu City, AZ, 86403
Pre-owned Auto
5.14%
Up to 72 months
▼
APR5.14%
TermUp to 72 months
Last UpdatedJul 11, 2026
Details
1st Bank Yuma
Institution Rating:
A5.0 ★ Texas Ratio: 6.49%
645 N William Brooks Ave, San Luis, AZ, 85336
Used Auto
5.15%
60 months
▼
APR5.15%
Term60 months
Last UpdatedJul 14, 2026
Details
Prescott Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.38%
500 N State Route 89, Prescott, AZ, 86313 5001
Used Auto loans
5.25%
Up to 84 Months
▼
APR5.25%
TermUp to 84 Months
Last UpdatedJul 6, 2026
Details
As Low As; Min $15,000.00
Sierra Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
1600 E Northern Ave, Phoenix, AZ, 85020 3933
New and Used Auto Loan
5.44%
72 Months
▼
APR5.44%
Term72 Months
Last UpdatedJul 6, 2026
Details
As low as; Rates apply to 2019 or newer models if conditions are met. Rates and terms are based on creditworthiness and subject to change. Additional conditions may apply. See credit union for details.
1st Bank Yuma
Institution Rating:
A5.0 ★ Texas Ratio: 6.49%
645 N William Brooks Ave, San Luis, AZ, 85336
Used Auto
5.45%
72 months
▼
APR5.45%
Term72 months
Last UpdatedJul 14, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.51%
2151 E Broadway Rd, Tempe, AZ, 85282 1893
New & Used Autos
5.49%
84 Mos.
▼
APR5.49%
Term84 Mos.
Last UpdatedJul 10, 2026
Details
As Low As
Rim Country Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.31%
216 S Main St, Snowflake, AZ, 85937
NEW & USED VEHICLES 12 yrs or newer-term depends on mileage & value-48 Months Loan
5.49%
48 Months
▼
APR5.49%
Term48 Months
Last UpdatedJul 15, 2026
Details
As Low As
Prescott Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.38%
500 N State Route 89, Prescott, AZ, 86313 5001
Used Auto Loans
5.50%
Up to 84 Months
▼
APR5.50%
TermUp to 84 Months
Last UpdatedJul 6, 2026
Details
As Low As
Credit Union of Southern California
Institution Rating:
A+5.0 ★ Texas Ratio: 2.43%
1871 Kiowa Ave, Lake Havasu City, AZ, 86403
Pre-owned Auto
5.54%
Up to 84 months
▼
APR5.54%
TermUp to 84 months
Last UpdatedJul 11, 2026
Details
Landings Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.51%
2800 S Mill Ave, Tempe, AZ, 85282
Used Vehicles 2021 to 2024 Loan
5.74%
48 months
▼
APR5.74%
Term48 months
Last UpdatedJul 11, 2026
Details
As Low As; Fixed Rates
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 17.71%
111 W Rio Salado Pkwy, Tempe, AZ, 85281
New & Used Vehicles Loan
5.74%
Up to 2 years
▼
APR5.74%
TermUp to 2 years
Last UpdatedJul 15, 2026
Details
Rim Country Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.31%
216 S Main St, Snowflake, AZ, 85937
NEW & USED VEHICLES 12 yrs or newer-term depends on mileage & value-60 Months Loan
5.74%
60 Months
▼
APR5.74%
Term60 Months
Last UpdatedJul 15, 2026
Details
As Low As
Greenwich Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
240 N Roosevelt Ave, Chandler, AZ, 85226
Used Cars - 36 Months Loan
5.90%
36 Months
▼
APR5.90%
Term36 Months
Last UpdatedJul 15, 2026
Details
Greenwich Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
240 N Roosevelt Ave, Chandler, AZ, 85226
Used Cars - 48 Months Loan
5.90%
48 Months
▼
APR5.90%
Term48 Months
Last UpdatedJul 15, 2026
Details
Greenwich Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
240 N Roosevelt Ave, Chandler, AZ, 85226
Used Cars - 60 Months Loan
5.90%
60 Months
▼
APR5.90%
Term60 Months
Last UpdatedJul 15, 2026
Details
Greenwich Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
240 N Roosevelt Ave, Chandler, AZ, 85226
Used Cars Loan
5.90%
36 Months
▼
APR5.90%
Term36 Months
Last UpdatedJul 15, 2026
Details
Sierra Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.48%
1600 E Northern Ave, Phoenix, AZ, 85020 3933
New and Used Auto Loan
5.94%
84 Months
▼
APR5.94%
Term84 Months
Last UpdatedJul 6, 2026
Details
As low as; Rates apply to 2019 or newer models if conditions are met. Rates and terms are based on creditworthiness and subject to change. Additional conditions may apply. See credit union for details.
1st Bank Yuma
Institution Rating:
A5.0 ★ Texas Ratio: 6.49%
645 N William Brooks Ave, San Luis, AZ, 85336
Used Auto
5.95%
84 months
▼
APR5.95%
Term84 months
Last UpdatedJul 14, 2026
Details
Alhambra Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.40%
13331 W Indian School Rd Ste 205, Litchfield Park, AZ, 85340
Used Vehicle Loan
5.99%
60 Months
▼
APR5.99%
Term60 Months
Last UpdatedJul 10, 2026
Details
Used Vehicle Loans as low as
Landings Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.51%
2800 S Mill Ave, Tempe, AZ, 85282
Used Vehicles 2021 to 2024 Loan
5.99%
60 months
▼
APR5.99%
Term60 months
Last UpdatedJul 11, 2026
Details
As Low As; Fixed Rates
Rim Country Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.31%
216 S Main St, Snowflake, AZ, 85937
NEW & USED VEHICLES 12 yrs or newer-term depends on mileage & value-72 Months Loan
5.99%
72 Months
▼
APR5.99%
Term72 Months
Last UpdatedJul 15, 2026
Details
As Low As
Landings Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.51%
2800 S Mill Ave, Tempe, AZ, 85282
Used Vehicles 2021 to 2024 Loan
6.24%
72 months
▼
APR6.24%
Term72 months
Last UpdatedJul 11, 2026
Details
As Low As; Fixed Rates
Alhambra Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.40%
13331 W Indian School Rd Ste 205, Litchfield Park, AZ, 85340
Used Vehicle Loan
6.50%
72 Months
▼
APR6.50%
Term72 Months
Last UpdatedJul 10, 2026
Details
Used Vehicle Loans as low as
Greenwich Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
240 N Roosevelt Ave, Chandler, AZ, 85226
Used Cars - 72 Months Loan
6.90%
72 Months
▼
APR6.90%
Term72 Months
Last UpdatedJul 15, 2026
Details
Greenwich Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
240 N Roosevelt Ave, Chandler, AZ, 85226
Used Cars Loan
6.90%
72 Months
▼
APR6.90%
Term72 Months
Last UpdatedJul 15, 2026
Details
Credit Union of Southern California
Institution Rating:
A+5.0 ★ Texas Ratio: 2.43%
1871 Kiowa Ave, Lake Havasu City, AZ, 86403
Pre-owned RV/trailer loan
7.49%
up to 84 months
▼
APR7.49%
Termup to 84 months
Last UpdatedJul 11, 2026
Details
Max APR: 11.49%
Alhambra Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 12.40%
13331 W Indian School Rd Ste 205, Litchfield Park, AZ, 85340
Used Vehicle Loan
7.50%
84 Months
▼
APR7.50%
Term84 Months
Last UpdatedJul 10, 2026
Details
Used Vehicle Loans as low as
Greenwich Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
240 N Roosevelt Ave, Chandler, AZ, 85226
Used Cars - 84 Months Loan
7.90%
84 Months
▼
APR7.90%
Term84 Months
Last UpdatedJul 15, 2026
Details
Greenwich Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.03%
240 N Roosevelt Ave, Chandler, AZ, 85226
Used Cars Loan
7.90%
84 Months
▼
APR7.90%
Term84 Months
Last UpdatedJul 15, 2026
Details
Credit Union of Southern California
Institution Rating:
A+5.0 ★ Texas Ratio: 2.43%
1871 Kiowa Ave, Lake Havasu City, AZ, 86403
Pre-owned RV/trailer loan
8.49%
up to 180 months
▼
APR8.49%
Termup to 180 months
Last UpdatedJul 11, 2026
Details
Max APR: 12.49%
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MonitorBankRates
Arizona Auto Loan Rate Trends
Compare local Arizona auto loan rates against the statewide average
Daily auto loan rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
New Auto Loan — AZ Avg
5.543%
▲ 0.021 vs 7 days ago
Arizona new auto rates rose 0.021 points over the past 7 days to 5.543% APR.
Used Auto Loan — AZ Avg
5.813%
▲ 0.039 vs 7 days ago
Arizona used auto rates rose 0.039 points over the past 7 days to 5.813% APR.
As of Jul 16, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Arizona auto loan rate tables are free for consumers to use, and we do not receive payment from any lender to be included or to be ranked in any particular order. Listings are based solely on the rates each lender publicly advertises on its own website.
A Note on Third-Party Rate Tools: Some pages on our site also feature rate comparison widgets and tools provided by third-party partners. These tools may include sponsored listings or affiliate links, and we may receive compensation when users click through them. We clearly label these widgets so you can tell at a glance which rates come from our independent MonitorBankRates.com tables and which come from our advertising partners.
Direct-Sourced & Verified Auto Loan Rate Data: We aggregate new and used auto loan rates for Arizona directly from the official websites of banks, credit unions, and online lenders using our proprietary rate aggregation technology and a dedicated team of rate updaters. By sourcing data from the lenders’ own digital properties and verifying APRs regularly, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available auto loan products in Arizona. We feature a comprehensive mix of lenders — from neighborhood credit unions and competitive regional banks to large national auto lenders available to borrowers in AZ.
Regularly Updated APRs: Our rate updaters verify and update auto loan rates regularly. Because APRs can change based on market conditions and lender policies, every product features its own “last updated” date for full transparency. Auto loan APRs shown typically represent the lowest available rate for borrowers with excellent credit; your actual rate will depend on your credit history, credit score, income, loan term, vehicle age, and other underwriting factors.
Frequently Asked Questions about Auto Loans in Arizona
How does my credit score affect my car loan rate in Arizona?
Your credit score is the biggest factor determining your auto loan APR. Borrowers in Arizona with excellent credit (750+) qualify for the lowest rates, while those with lower scores will see significantly higher interest costs.
Is it better to finance through a dealership or a bank?
It is highly recommended to get pre-approved through a local bank or credit union in Arizona *before* visiting a dealership. Dealerships often mark up interest rates to make a profit.
What is the difference between New and Used Auto Loan rates?
Lenders in Arizona typically offer lower interest rates for new cars because they are easier to value and represent less risk. Used car loans generally carry slightly higher APRs.
How long should my auto loan term be?
While 72-month and 84-month loans lower your monthly payment, they cost you far more in total interest. The ideal auto loan term is 60 months or less.
What are the best Auto Loan rates in Arizona?
Based on our current data, some of the lowest auto loan rates available in Arizona include:
- American Airlines Federal Credit Union: 3.34% (New Auto)
- Sierra Pacific Federal Credit Union: 3.94% (New and Used Auto Loan)
- Florida West Coast Credit Union: 3.99% (New Automobile)
- Credit Union of Southern California: 3.99% (Vehicle Loan)
- Firefighters First Federal Credit Union: 4.24% (New & Used Autos)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Arizona. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: July 15, 2026
Auto Loan Rates by City in Arizona
Rate Assistant
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