MonitorBankRates
☰
Survey Results We asked readers after the Fed’s Sept. 16 hike: 72% of borrowers would use a personal loan to pay off other debt. See the full results
  1. Home
  2. ›
  3. Auto Loans
  4. ›
  5. Arizona
  6. iAdvertiser Disclosure
    Advertiser Disclosure Some of the institutions listed may have a business relationship with MonitorBankRates. However, our proprietary systems independently track and verify all rates and data displayed. Advertiser relationships do not influence our Health Safety Rating, Star Ratings or Texas Ratio calculation, or the rates shown.
  7. Auto Loan Rate Trends

Arizona Best Auto Loan Rates - October 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
Expertise
  • Automated Online Rate Data Aggregation
  • Location-Based Rate Tables
  • Bank & Credit Union Health Safety Ratings
  • Bank & Credit Union Star Ratings
  • Finance Calculators
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.
Read Full Bio
| i Editorial Disclosure
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.
| ✓Fact Checked | Auto Loan Rates · Last Updated and Verified: October 13, 2026

Arizona auto loan rates range from 3.34% to 6.90% APR, verified by MonitorBankRates as of October 13, 2026. 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: 2.87% offering New Auto at 3.34%, Navy Federal Credit UnionNavy Federal Credit Union1683 S Arizona Ave, Yuma, AZ, 85364A5.0 ★Texas Ratio: 8.14% offering New Auto Loan at 3.89%, Southwest Airlines Federal Credit UnionSouthwest Airlines Federal Credit Union4645 E Cotton Center Blvd Ste 115, Phoenix, AZ, 85040A+5.0 ★Texas Ratio: 3.25% offering New Auto at 3.94%, Arrowhead Central Credit UnionArrowhead Central Credit Union3699 Highway 95 Ste 200, Bullhead City, AZ, 86442A+5.0 ★Texas Ratio: 3.64% offering New & Used Autos at 3.99%, Florida West Coast Credit UnionFlorida West Coast Credit Union4801 E THISTLE LANDING DR, PHOENIX, AZ, 85044A+5.0 ★Texas Ratio: 1.02% offering New Automobile (2025 & newer) at 3.99%. Auto loan rates as of October 13, 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, so 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: October 13, 2026

Compare Auto Loan Rates Today in Arizona

Jump to: All Auto Loans · New Auto · Used Auto

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: 2.87%
3800 E Sky Harbor Blvd Terminal 4, Phoenix, AZ, 85034
New Auto
3.34%
Up to 36 Months
View
▼
APR3.34%
TermUp to 36 Months
Last UpdatedOct 13, 2026
Details

As Low As; Auto & Recreational Loans

Rate History
No change since Sep 14, 2026 · 3.34% APR · checked 7 times
2.84%3.34%3.84%Sep 14, 2026: 3.34% APRSep 14, 2026Oct 13, 2026
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.87%
3800 E Sky Harbor Blvd Terminal 4, Phoenix, AZ, 85034
Used Auto
3.84%
Up to 36 Months
View
▼
APR3.84%
TermUp to 36 Months
Last UpdatedOct 13, 2026
Details

As Low As; Auto & Recreational Loans

Rate History
No change since Sep 14, 2026 · 3.84% APR · checked 7 times
3.34%3.84%4.34%Sep 14, 2026: 3.84% APRSep 14, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
1683 S Arizona Ave, Yuma, AZ, 85364
New Auto Loan
3.89%
12-36 Months
View
▼
APR3.89%
Term12-36 Months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Sep 30, 2026 · 3.89% APR · checked 4 times
3.39%3.89%4.39%Sep 30, 2026: 3.89% APRSep 30, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
1683 S Arizona Ave, Yuma, AZ, 85364
New Vehicle Loan
3.89%
up to 36 months
View
▼
APR3.89%
Termup to 36 months
Last UpdatedOct 10, 2026
Details

As Low As; Rates subject to change.

Rate History
No change since Sep 30, 2026 · 3.89% APR · checked 4 times
3.39%3.89%4.39%Sep 30, 2026: 3.89% APRSep 30, 2026Oct 13, 2026
Southwest Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.25%
4645 E Cotton Center Blvd Ste 115, Phoenix, AZ, 85040
New Auto
3.94%
Up to 36 Months
View
▼
APR3.94%
TermUp to 36 Months
Last UpdatedOct 10, 2026
Details

Published APR range: 3.94% - 14.00%. 100% Financing**

Rate History
No change since Sep 24, 2026 · 3.94% APR · checked 5 times
3.44%3.94%4.44%Sep 24, 2026: 3.94% APRSep 24, 2026Oct 13, 2026
Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.64%
3699 Highway 95 Ste 200, Bullhead City, AZ, 86442
New & Used Autos
3.99%
36 Months
View
▼
APR3.99%
Term36 Months
Last UpdatedOct 10, 2026
Details

Published APR range: 3.99%-16.99%.

Rate History
No change since Sep 30, 2026 · 3.99% APR · checked 4 times
3.49%3.99%4.49%Sep 30, 2026: 3.99% APRSep 30, 2026Oct 13, 2026
Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.64%
3699 Highway 95 Ste 200, Bullhead City, AZ, 86442
New & Used Vehicles Loan
3.99%
36 Months
View
▼
APR3.99%
Term36 Months
Last UpdatedOct 10, 2026
Details

Published APR range: 3.99% - 16.99%.

Rate History
No change since Oct 10, 2026 · 3.99% APR
3.49%3.99%4.49%Oct 10, 2026: 3.99% APROct 10, 2026Oct 13, 2026
Florida West Coast Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.02%
4801 E THISTLE LANDING DR, PHOENIX, AZ, 85044
New Automobile (2025 & newer)
3.99%
up to 84 months
View
▼
APR3.99%
Termup to 84 months
Last UpdatedOct 13, 2026
Details

As Low As; Category: New & Used Automobiles

Rate History
No change since Oct 13, 2026 · 3.99% APR
3.49%3.99%4.49%Oct 13, 2026: 3.99% APROct 13, 2026Oct 13, 2026
District #6 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.29%
2335 S Ellis St, Chandler, AZ, 85286 6701
Vehicle Loan
4.00%
Up to 36 months
View
▼
APR4.00%
TermUp to 36 months
Last UpdatedOct 12, 2026
Details

Model Years: 2023 - 2027

Rate History
No change since Oct 12, 2026 · 4.00% APR
3.50%4.00%4.50%Oct 12, 2026: 4.00% APROct 12, 2026Oct 13, 2026
District #6 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.29%
2335 S Ellis St, Chandler, AZ, 85286 6701
Vehicle Loan
4.00%
Up to 48 months
View
▼
APR4.00%
TermUp to 48 months
Last UpdatedOct 12, 2026
Details

Model Years: 2023 - 2027

Rate History
No change since Oct 12, 2026 · 4.00% APR
3.50%4.00%4.50%Oct 12, 2026: 4.00% APROct 12, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
1683 S Arizona Ave, Yuma, AZ, 85364
New Business Vehicle Loan
4.09%
Up to 36 months
View
▼
APR4.09%
TermUp to 36 months
Last UpdatedOct 10, 2026
Details

As low as

Rate History
No change since Sep 30, 2026 · 4.09% APR · checked 4 times
3.59%4.09%4.59%Sep 30, 2026: 4.09% APRSep 30, 2026Oct 13, 2026
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.87%
3800 E Sky Harbor Blvd Terminal 4, Phoenix, AZ, 85034
New Auto
4.09%
Up to 60 months
View
▼
APR4.09%
TermUp to 60 months
Last UpdatedOct 13, 2026
Details

As Low As; Auto & Recreational Loans

Rate History
No change since Sep 14, 2026 · 4.09% APR · checked 7 times
3.59%4.09%4.59%Sep 14, 2026: 4.09% APRSep 14, 2026Oct 13, 2026
Southwest Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.25%
4645 E Cotton Center Blvd Ste 115, Phoenix, AZ, 85040
New Auto
4.19%
48 Months
View
▼
APR4.19%
Term48 Months
Last UpdatedOct 10, 2026
Details

Published APR range: 4.19% - 15.00%.

Rate History
No change since Sep 24, 2026 · 4.19% APR · checked 5 times
3.69%4.19%4.69%Sep 24, 2026: 4.19% APRSep 24, 2026Oct 13, 2026
Southwest Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.25%
4645 E Cotton Center Blvd Ste 115, Phoenix, AZ, 85040
Used Auto
4.19%
Up to 36 months
View
▼
APR4.19%
TermUp to 36 months
Last UpdatedOct 10, 2026
Details

Published APR range: 4.19% - 14.25%. 100% Financing**

Rate History
No change since Sep 24, 2026 · 4.19% APR · checked 5 times
3.69%4.19%4.69%Sep 24, 2026: 4.19% APRSep 24, 2026Oct 13, 2026
San Diego Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.33%
4801 E Thistle Landing Dr, Phoenix, AZ, 85044 6459
Auto Loan - Model Years 2021 and Newer
4.19%
up to 24 Months
View
▼
APR4.19%
Termup to 24 Months
Last UpdatedOct 13, 2026
Details

As Low As; Up to 120% financing

Rate History
No change since Oct 13, 2026 · 4.19% APR
3.69%4.19%4.69%Oct 13, 2026: 4.19% APROct 13, 2026Oct 13, 2026
San Diego Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.33%
4801 E Thistle Landing Dr, Phoenix, AZ, 85044 6459
Auto Loan - Model Years 2021 and Newer
4.19%
up to 36 Months
View
▼
APR4.19%
Termup to 36 Months
Last UpdatedOct 13, 2026
Details

As Low As; Up to 120% financing

Rate History
No change since Oct 13, 2026 · 4.19% APR
3.69%4.19%4.69%Oct 13, 2026: 4.19% APROct 13, 2026Oct 13, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.69%
2151 E Broadway Rd, Tempe, AZ, 85282 1893
Vehicle Loans
4.24%
24 Months
View
▼
APR4.24%
Term24 Months
Last UpdatedOct 9, 2026
Details

As Low As

Rate History
No change since Oct 9, 2026 · 4.24% APR · checked 3 times
3.74%4.24%4.74%Oct 9, 2026: 4.24% APROct 9, 2026Oct 13, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.69%
2151 E Broadway Rd, Tempe, AZ, 85282 1893
Vehicle Loans
4.24%
36 Months
View
▼
APR4.24%
Term36 Months
Last UpdatedOct 9, 2026
Details

As Low As

Rate History
No change since Oct 9, 2026 · 4.24% APR · checked 3 times
3.74%4.24%4.74%Oct 9, 2026: 4.24% APROct 9, 2026Oct 13, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.22%
1575 S Price Road, Chandler, AZ, 85286
New Auto - FIXED
4.24%
3 Years
View
▼
APR4.24%
Term3 Years
Last UpdatedOct 13, 2026
Details

Tier 1 credit; includes automatic payment discount from NGFCU checking or savings account

Rate History
No change since Oct 13, 2026 · 4.24% APR
3.74%4.24%4.74%Oct 13, 2026: 4.24% APROct 13, 2026Oct 13, 2026
District #6 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.29%
2335 S Ellis St, Chandler, AZ, 85286 6701
Vehicle Loan
4.25%
Up to 60 months
View
▼
APR4.25%
TermUp to 60 months
Last UpdatedOct 12, 2026
Details

Model Years: 2023 - 2027

Rate History
No change since Oct 12, 2026 · 4.25% APR
3.75%4.25%4.75%Oct 12, 2026: 4.25% APROct 12, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
1683 S Arizona Ave, Yuma, AZ, 85364
New Auto Loan
4.29%
37-60 Months
View
▼
APR4.29%
Term37-60 Months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Sep 30, 2026 · 4.29% APR · checked 4 times
3.79%4.29%4.79%Sep 30, 2026: 4.29% APRSep 30, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
1683 S Arizona Ave, Yuma, AZ, 85364
New Vehicle Loan
4.29%
37-60 months
View
▼
APR4.29%
Term37-60 months
Last UpdatedOct 10, 2026
Details

As Low As; Rates subject to change.

Rate History
No change since Sep 30, 2026 · 4.29% APR · checked 4 times
3.79%4.29%4.79%Sep 30, 2026: 4.29% APRSep 30, 2026Oct 13, 2026
Sierra Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.95%
1600 E Northern Ave, Phoenix, AZ, 85020 3933
New and Used Auto Loan
4.34%
48 Months
View
▼
APR4.34%
Term48 Months
Last UpdatedOct 12, 2026
Details

As Low As; Rates apply to 2019 or newer models if conditions are met.

Rate History
No change since Sep 25, 2026 · 4.34% APR · checked 4 times
3.84%4.34%4.84%Sep 25, 2026: 4.34% APRSep 25, 2026Oct 13, 2026
San Diego Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.33%
4801 E Thistle Landing Dr, Phoenix, AZ, 85044 6459
Auto Loan - Model Years 2021 and Newer
4.39%
up to 48 Months
View
▼
APR4.39%
Termup to 48 Months
Last UpdatedOct 13, 2026
Details

As Low As; Up to 120% financing

Rate History
No change since Oct 13, 2026 · 4.39% APR
3.89%4.39%4.89%Oct 13, 2026: 4.39% APROct 13, 2026Oct 13, 2026
Southwest Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.25%
4645 E Cotton Center Blvd Ste 115, Phoenix, AZ, 85040
New Auto
4.44%
60 Months
View
▼
APR4.44%
Term60 Months
Last UpdatedOct 10, 2026
Details

Published APR range: 4.44% - 15.20%.

Rate History
No change since Sep 24, 2026 · 4.44% APR · checked 5 times
3.94%4.44%4.94%Sep 24, 2026: 4.44% APRSep 24, 2026Oct 13, 2026
Southwest Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.25%
4645 E Cotton Center Blvd Ste 115, Phoenix, AZ, 85040
Used Auto
4.44%
48 Months
View
▼
APR4.44%
Term48 Months
Last UpdatedOct 10, 2026
Details

Published APR range: 4.44% - 15.25%.

Rate History
No change since Sep 24, 2026 · 4.44% APR · checked 5 times
3.94%4.44%4.94%Sep 24, 2026: 4.44% APRSep 24, 2026Oct 13, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.69%
2151 E Broadway Rd, Tempe, AZ, 85282 1893
Vehicle Loans
4.49%
48 Months
View
▼
APR4.49%
Term48 Months
Last UpdatedOct 9, 2026
Details

As Low As

Rate History
No change since Oct 9, 2026 · 4.49% APR · checked 3 times
3.99%4.49%4.99%Oct 9, 2026: 4.49% APROct 9, 2026Oct 13, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.69%
2151 E Broadway Rd, Tempe, AZ, 85282 1893
Vehicle Loans
4.49%
60 Months
View
▼
APR4.49%
Term60 Months
Last UpdatedOct 9, 2026
Details

As Low As

Rate History
No change since Oct 9, 2026 · 4.49% APR · checked 3 times
3.99%4.49%4.99%Oct 9, 2026: 4.49% APROct 9, 2026Oct 13, 2026
Alero Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.69%
8337 W Bell Rd Ste 102, Peoria, AZ, 85382 3798
New Auto Loan
4.49%
60 months
View
▼
APR4.49%
Term60 months
Last UpdatedOct 10, 2026
Details

As Low As; 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.

Rate History
No change since Sep 14, 2026 · 4.49% APR · checked 6 times
3.99%4.49%4.99%Sep 14, 2026: 4.49% APRSep 14, 2026Oct 13, 2026
Coconino Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.38%
2800 S Woodlands Village Blvd, Flagstaff, AZ, 86001
Vehicles - New & Used Loan
4.49%
0 - 35 Months
View
▼
APR4.49%
Term0 - 35 Months
Last UpdatedOct 12, 2026
Details

Published APR range: 4.49% - 16.99%. Model Year: 2024 & Newer; Effective Date: Monday, October 12th, 2026

Rate History
No change since Oct 8, 2026 · 4.49% APR · checked 2 times
3.99%4.49%4.99%Oct 8, 2026: 4.49% APROct 8, 2026Oct 13, 2026
San Diego Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.33%
4801 E Thistle Landing Dr, Phoenix, AZ, 85044 6459
Auto Loan - Model Years 2021 and Newer
4.49%
up to 60 Months
View
▼
APR4.49%
Termup to 60 Months
Last UpdatedOct 13, 2026
Details

As Low As; Up to 120% financing

Rate History
No change since Oct 13, 2026 · 4.49% APR
3.99%4.49%4.99%Oct 13, 2026: 4.49% APROct 13, 2026Oct 13, 2026
Florida West Coast Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.02%
4801 E THISTLE LANDING DR, PHOENIX, AZ, 85044
Used Automobile (2017 & newer)
4.49%
up to 72 months
View
▼
APR4.49%
Termup to 72 months
Last UpdatedOct 13, 2026
Details

As Low As; Category: New & Used Automobiles

Rate History
No change since Oct 13, 2026 · 4.49% APR
3.99%4.49%4.99%Oct 13, 2026: 4.49% APROct 13, 2026Oct 13, 2026
District #6 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.29%
2335 S Ellis St, Chandler, AZ, 85286 6701
Vehicle Loan
4.50%
Up to 48 Months
View
▼
APR4.50%
TermUp to 48 Months
Last UpdatedOct 12, 2026
Details

Model Year: 2022 & Older

Rate History
No change since Oct 12, 2026 · 4.50% APR
4.00%4.50%5.00%Oct 12, 2026: 4.50% APROct 12, 2026Oct 13, 2026
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.52%
1550 E Meadowbrook Ave Ste B, Phoenix, AZ, 85014 4040
New Autos, SUVs, Trucks, Vans
4.50%
3-7 year term
View
▼
APR4.50%
Term3-7 year term
Last UpdatedOct 12, 2026
Details

As Low As; Final rate based on credit worthiness and term of the loan.

Rate History
1 change since Sep 14, 2026 · 4.59% → 4.50% ▼ 0.09 pts · high 4.59% / low 4.50%
4.00%4.55%5.09%Sep 14, 2026: 4.59% APRSep 25, 2026: 4.50% APRSep 14, 2026Oct 13, 2026
  • Sep 25, 20264.50%▼ from 4.59%
  • Sep 14, 20264.59%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
1683 S Arizona Ave, Yuma, AZ, 85364
New Auto Loan
4.59%
61-72 Months
View
▼
APR4.59%
Term61-72 Months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Sep 30, 2026 · 4.59% APR · checked 4 times
4.09%4.59%5.09%Sep 30, 2026: 4.59% APRSep 30, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
1683 S Arizona Ave, Yuma, AZ, 85364
New Vehicle Loan
4.59%
61-72 months
View
▼
APR4.59%
Term61-72 months
Last UpdatedOct 10, 2026
Details

As Low As; Rates subject to change.

Rate History
No change since Sep 30, 2026 · 4.59% APR · checked 4 times
4.09%4.59%5.09%Sep 30, 2026: 4.59% APRSep 30, 2026Oct 13, 2026
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.87%
3800 E Sky Harbor Blvd Terminal 4, Phoenix, AZ, 85034
Used Auto
4.59%
Up to 60 months
View
▼
APR4.59%
TermUp to 60 months
Last UpdatedOct 13, 2026
Details

As Low As; Auto & Recreational Loans

Rate History
No change since Sep 14, 2026 · 4.59% APR · checked 7 times
4.09%4.59%5.09%Sep 14, 2026: 4.59% APRSep 14, 2026Oct 13, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.22%
1575 S Price Road, Chandler, AZ, 85286
New Auto - FIXED
4.59%
4 Years
View
▼
APR4.59%
Term4 Years
Last UpdatedOct 13, 2026
Details

Tier 1 credit; includes automatic payment discount from NGFCU checking or savings account

Rate History
No change since Oct 13, 2026 · 4.59% APR
4.09%4.59%5.09%Oct 13, 2026: 4.59% APROct 13, 2026Oct 13, 2026
Southwest Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.25%
4645 E Cotton Center Blvd Ste 115, Phoenix, AZ, 85040
New Auto
4.69%
72 Months
View
▼
APR4.69%
Term72 Months
Last UpdatedOct 10, 2026
Details

Published APR range: 4.69% - 15.65%.

Rate History
No change since Sep 24, 2026 · 4.69% APR · checked 5 times
4.19%4.69%5.19%Sep 24, 2026: 4.69% APRSep 24, 2026Oct 13, 2026
Southwest Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.25%
4645 E Cotton Center Blvd Ste 115, Phoenix, AZ, 85040
Used Auto
4.69%
60 Months
View
▼
APR4.69%
Term60 Months
Last UpdatedOct 10, 2026
Details

Published APR range: 4.69% - 15.45%.

Rate History
No change since Sep 24, 2026 · 4.69% APR · checked 5 times
4.19%4.69%5.19%Sep 24, 2026: 4.69% APRSep 24, 2026Oct 13, 2026
Sierra Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.95%
1600 E Northern Ave, Phoenix, AZ, 85020 3933
New and Used Auto Loan
4.74%
60 Months
View
▼
APR4.74%
Term60 Months
Last UpdatedOct 12, 2026
Details

As Low As; Rates apply to 2019 or newer models if conditions are met.

Rate History
No change since Sep 25, 2026 · 4.74% APR · checked 4 times
4.24%4.74%5.24%Sep 25, 2026: 4.74% APRSep 25, 2026Oct 13, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.22%
1575 S Price Road, Chandler, AZ, 85286
New Auto - FIXED
4.74%
5 Years
View
▼
APR4.74%
Term5 Years
Last UpdatedOct 13, 2026
Details

Minimum loan $10,001 on terms of more than 48 months; Tier 1 credit; includes automatic payment discount from NGFCU checking or savings account

Rate History
No change since Oct 13, 2026 · 4.74% APR
4.24%4.74%5.24%Oct 13, 2026: 4.74% APROct 13, 2026Oct 13, 2026
District #6 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.29%
2335 S Ellis St, Chandler, AZ, 85286 6701
Vehicle Loan
4.75%
Up to 72 months
View
▼
APR4.75%
TermUp to 72 months
Last UpdatedOct 12, 2026
Details

Model Years: 2023 - 2027; ($20,000 Minimum)

Rate History
No change since Oct 12, 2026 · 4.75% APR
4.25%4.75%5.25%Oct 12, 2026: 4.75% APROct 12, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
1683 S Arizona Ave, Yuma, AZ, 85364
Used Auto Loan
4.79%
12-36 Months
View
▼
APR4.79%
Term12-36 Months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Sep 30, 2026 · 4.79% APR · checked 4 times
4.29%4.79%5.29%Sep 30, 2026: 4.79% APRSep 30, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
1683 S Arizona Ave, Yuma, AZ, 85364
Used Vehicle Loan
4.79%
up to 36 months
View
▼
APR4.79%
Termup to 36 months
Last UpdatedOct 10, 2026
Details

As Low As; Rates subject to change.

Rate History
No change since Sep 30, 2026 · 4.79% APR · checked 4 times
4.29%4.79%5.29%Sep 30, 2026: 4.79% APRSep 30, 2026Oct 13, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.22%
1575 S Price Road, Chandler, AZ, 85286
New Auto - FIXED
4.84%
6 Years
View
▼
APR4.84%
Term6 Years
Last UpdatedOct 13, 2026
Details

Minimum loan $10,001 on terms of more than 48 months; Tier 1 credit; includes automatic payment discount from NGFCU checking or savings account

Rate History
No change since Oct 13, 2026 · 4.84% APR
4.34%4.84%5.34%Oct 13, 2026: 4.84% APROct 13, 2026Oct 13, 2026
San Diego Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.33%
4801 E Thistle Landing Dr, Phoenix, AZ, 85044 6459
Auto Loan - Model Years 2021 and Newer
4.89%
up to 72 Months
View
▼
APR4.89%
Termup to 72 Months
Last UpdatedOct 13, 2026
Details

As Low As; Up to 120% financing

Rate History
No change since Oct 13, 2026 · 4.89% APR
4.39%4.89%5.39%Oct 13, 2026: 4.89% APROct 13, 2026Oct 13, 2026
Greenwich Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
240 N Roosevelt Ave, Chandler, AZ, 85226
New Cars - 36 Months Loan
4.90%
36 Months
View
▼
APR4.90%
Term36 Months
Last UpdatedOct 13, 2026
Details

New Car auto loan; APR

Rate History
No change since Sep 14, 2026 · 4.90% APR · checked 3 times
4.40%4.90%5.40%Sep 14, 2026: 4.90% APRSep 14, 2026Oct 13, 2026
Greenwich Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
240 N Roosevelt Ave, Chandler, AZ, 85226
New Cars - 48 Months Loan
4.90%
48 Months
View
▼
APR4.90%
Term48 Months
Last UpdatedOct 13, 2026
Details

New Car auto loan; APR

Rate History
No change since Sep 14, 2026 · 4.90% APR · checked 3 times
4.40%4.90%5.40%Sep 14, 2026: 4.90% APRSep 14, 2026Oct 13, 2026
Greenwich Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
240 N Roosevelt Ave, Chandler, AZ, 85226
New Cars - 60 Months Loan
4.90%
60 Months
View
▼
APR4.90%
Term60 Months
Last UpdatedOct 13, 2026
Details

New Car auto loan; APR

Rate History
No change since Sep 14, 2026 · 4.90% APR · checked 3 times
4.40%4.90%5.40%Sep 14, 2026: 4.90% APRSep 14, 2026Oct 13, 2026
Greenwich Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
240 N Roosevelt Ave, Chandler, AZ, 85226
New Cars Loan
4.90%
36 Months
View
▼
APR4.90%
Term36 Months
Last UpdatedOct 13, 2026
Details

Credit Union finances 100% of purchase price including tax, registration and extended warranty; Maximum car loan $75,000.00

Rate History
No change since Sep 17, 2026 · 4.90% APR · checked 8 times
4.40%4.90%5.40%Sep 17, 2026: 4.90% APRSep 17, 2026Oct 13, 2026
Greenwich Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
240 N Roosevelt Ave, Chandler, AZ, 85226
New Cars Loan
4.90%
48 Months
View
▼
APR4.90%
Term48 Months
Last UpdatedOct 13, 2026
Details

Credit Union finances 100% of purchase price including tax, registration and extended warranty; Maximum car loan $75,000.00

Rate History
No change since Sep 17, 2026 · 4.90% APR · checked 8 times
4.40%4.90%5.40%Sep 17, 2026: 4.90% APRSep 17, 2026Oct 13, 2026
Greenwich Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
240 N Roosevelt Ave, Chandler, AZ, 85226
New Cars Loan
4.90%
60 Months
View
▼
APR4.90%
Term60 Months
Last UpdatedOct 13, 2026
Details

Credit Union finances 100% of purchase price including tax, registration and extended warranty; Maximum car loan $75,000.00

Rate History
No change since Sep 17, 2026 · 4.90% APR · checked 8 times
4.40%4.90%5.40%Sep 17, 2026: 4.90% APRSep 17, 2026Oct 13, 2026
Southwest Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.25%
4645 E Cotton Center Blvd Ste 115, Phoenix, AZ, 85040
Used Auto
4.94%
72 Months
View
▼
APR4.94%
Term72 Months
Last UpdatedOct 10, 2026
Details

Published APR range: 4.94% - 15.90%.

Rate History
No change since Sep 24, 2026 · 4.94% APR · checked 5 times
4.44%4.94%5.44%Sep 24, 2026: 4.94% APRSep 24, 2026Oct 13, 2026
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.69%
2151 E Broadway Rd, Tempe, AZ, 85282 1893
Vehicle Loans
4.99%
72 Months
View
▼
APR4.99%
Term72 Months
Last UpdatedOct 9, 2026
Details

As Low As

Rate History
No change since Oct 9, 2026 · 4.99% APR · checked 3 times
4.49%4.99%5.49%Oct 9, 2026: 4.99% APROct 9, 2026Oct 13, 2026
Alhambra Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.43%
13331 W Indian School Rd Ste 205, Litchfield Park, AZ, 85340
New Vehicle Loan
4.99%
60 Months
View
▼
APR4.99%
Term60 Months
Last UpdatedOct 9, 2026
Details

Published APR range: 4.99% - 17.65%. As low as

Rate History
No change since Sep 14, 2026 · 4.99% APR · checked 7 times
4.49%4.99%5.49%Sep 14, 2026: 4.99% APRSep 14, 2026Oct 13, 2026
Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.64%
3699 Highway 95 Ste 200, Bullhead City, AZ, 86442
New & Used Autos
4.99%
48 to 60 Months
View
▼
APR4.99%
Term48 to 60 Months
Last UpdatedOct 10, 2026
Details

Published APR range: 4.99%-16.99%.

Rate History
No change since Sep 30, 2026 · 4.99% APR · checked 4 times
4.49%4.99%5.49%Sep 30, 2026: 4.99% APRSep 30, 2026Oct 13, 2026
Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.64%
3699 Highway 95 Ste 200, Bullhead City, AZ, 86442
New & Used Vehicles Loan
4.99%
48 to 60 Months
View
▼
APR4.99%
Term48 to 60 Months
Last UpdatedOct 10, 2026
Details

Published APR range: 4.99% - 16.99%.

Rate History
No change since Oct 10, 2026 · 4.99% APR
4.49%4.99%5.49%Oct 10, 2026: 4.99% APROct 10, 2026Oct 13, 2026
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.52%
1550 E Meadowbrook Ave Ste B, Phoenix, AZ, 85014 4040
Used Autos, SUVs, Trucks, Vans
4.99%
3-7 year term
View
▼
APR4.99%
Term3-7 year term
Last UpdatedOct 12, 2026
Details

As Low As; Final rate based on credit worthiness and term of the loan.

Rate History
1 change since Sep 14, 2026 · 6.99% → 4.99% ▼ 2.00 pts · high 6.99% / low 4.99%
2.99%5.99%8.99%Sep 14, 2026: 6.99% APRSep 25, 2026: 4.99% APRSep 14, 2026Oct 13, 2026
  • Sep 25, 20264.99%▼ from 6.99%
  • Sep 14, 20266.99%first recorded
Coconino Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.38%
2800 S Woodlands Village Blvd, Flagstaff, AZ, 86001
Vehicles - New & Used Loan
4.99%
36 - 60 Months
View
▼
APR4.99%
Term36 - 60 Months
Last UpdatedOct 12, 2026
Details

Published APR range: 4.99% - 17.24%. Model Year: 2024 & Newer; Effective Date: Monday, October 12th, 2026

Rate History
No change since Oct 8, 2026 · 4.99% APR · checked 2 times
4.49%4.99%5.49%Oct 8, 2026: 4.99% APROct 8, 2026Oct 13, 2026
Blue Water Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
4801 E Thistle Landing Dr, Phoenix, AZ, 85044 6459
Vehicle Loans - 2025 & Newer Vehicles/Motorcycles
4.99%
Up to 36 Months
View
▼
APR4.99%
TermUp to 36 Months
Last UpdatedOct 13, 2026
Details

APR Type: Fixed; Effective Date: 10/12/2026

Rate History
No change since Oct 13, 2026 · 4.99% APR
4.49%4.99%5.49%Oct 13, 2026: 4.99% APROct 13, 2026Oct 13, 2026
Blue Water Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
4801 E Thistle Landing Dr, Phoenix, AZ, 85044 6459
Vehicle Loans - 2025 & Newer Vehicles/Motorcycles
4.99%
Up to 48 Months
View
▼
APR4.99%
TermUp to 48 Months
Last UpdatedOct 13, 2026
Details

APR Type: Fixed; Effective Date: 10/12/2026

Rate History
No change since Oct 13, 2026 · 4.99% APR
4.49%4.99%5.49%Oct 13, 2026: 4.99% APROct 13, 2026Oct 13, 2026
Blue Water Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
4801 E Thistle Landing Dr, Phoenix, AZ, 85044 6459
Vehicle Loans - 2025 & Newer Vehicles/Motorcycles
4.99%
Up to 60 Months
View
▼
APR4.99%
TermUp to 60 Months
Last UpdatedOct 13, 2026
Details

APR Type: Fixed; Effective Date: 10/12/2026

Rate History
No change since Oct 13, 2026 · 4.99% APR
4.49%4.99%5.49%Oct 13, 2026: 4.99% APROct 13, 2026Oct 13, 2026
Blue Water Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
4801 E Thistle Landing Dr, Phoenix, AZ, 85044 6459
Vehicle Loans - 2025 & Newer Vehicles/Motorcycles
4.99%
Up to 72 Months
View
▼
APR4.99%
TermUp to 72 Months
Last UpdatedOct 13, 2026
Details

APR Type: Fixed; Effective Date: 10/12/2026

Rate History
No change since Oct 13, 2026 · 4.99% APR
4.49%4.99%5.49%Oct 13, 2026: 4.99% APROct 13, 2026Oct 13, 2026
Blue Water Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
4801 E Thistle Landing Dr, Phoenix, AZ, 85044 6459
Vehicle Loans - 2025 & Newer Vehicles/Motorcycles
4.99%
Up to 84 Months
View
▼
APR4.99%
TermUp to 84 Months
Last UpdatedOct 13, 2026
Details

APR Type: Fixed; Effective Date: 10/12/2026

Rate History
No change since Oct 13, 2026 · 4.99% APR
4.49%4.99%5.49%Oct 13, 2026: 4.99% APROct 13, 2026Oct 13, 2026
San Diego Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.33%
4801 E Thistle Landing Dr, Phoenix, AZ, 85044 6459
Auto Loan - Model Years 2021 and Newer
4.99%
up to 84 Months
View
▼
APR4.99%
Termup to 84 Months
Last UpdatedOct 13, 2026
Details

As Low As; Up to 120% financing

Rate History
No change since Oct 13, 2026 · 4.99% APR
4.49%4.99%5.49%Oct 13, 2026: 4.99% APROct 13, 2026Oct 13, 2026
America First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.33%
6846 E Warner Rd, Mesa, AZ, 85212 2138
Auto Loan
4.99%
5 Years
View
▼
APR4.99%
Term5 Years
Last UpdatedOct 13, 2026
Details

As Low As; Fixed; Rates for Utah

Rate History
No change since Sep 14, 2026 · 4.99% APR · checked 8 times
4.49%4.99%5.49%Sep 14, 2026: 4.99% APRSep 14, 2026Oct 13, 2026
District #6 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.29%
2335 S Ellis St, Chandler, AZ, 85286 6701
Vehicle Loan
5.00%
Up to 60 Months
View
▼
APR5.00%
TermUp to 60 Months
Last UpdatedOct 12, 2026
Details

Model Year: 2022 & Older

Rate History
No change since Oct 12, 2026 · 5.00% APR
4.50%5.00%5.50%Oct 12, 2026: 5.00% APROct 12, 2026Oct 13, 2026
Prescott Federal Credit Union
Institution Rating:
B+4.1 ★ Texas Ratio: 2.84%
500 N State Route 89, Prescott, AZ, 86313 5001
New Auto loans
5.10%
Up to 84 Months
View
▼
APR5.10%
TermUp to 84 Months
Last UpdatedOct 12, 2026
Details

New Auto loans (Min $20,000.00)

Rate History
No change since Sep 16, 2026 · 5.10% APR · checked 5 times
4.60%5.10%5.60%Sep 16, 2026: 5.10% APRSep 16, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
1683 S Arizona Ave, Yuma, AZ, 85364
Used Business Vehicle Loan
5.19%
Up to 36 months
View
▼
APR5.19%
TermUp to 36 months
Last UpdatedOct 10, 2026
Details

As low as

Rate History
No change since Sep 30, 2026 · 5.19% APR · checked 4 times
4.69%5.19%5.69%Sep 30, 2026: 5.19% APRSep 30, 2026Oct 13, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.54%
111 W Rio Salado Pkwy, Tempe, AZ, 85281
Auto Loan
5.24%
2022 - 2026
View
▼
APR5.24%
Term2022 - 2026
Last UpdatedSep 29, 2026
Details

As Low As

Rate History
No change since Sep 29, 2026 · 5.24% APR
4.74%5.24%5.74%Sep 29, 2026: 5.24% APRSep 29, 2026Oct 13, 2026
First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.39%
475 N Gila Springs Blvd, Chandler, AZ, 85226
New Vehicle Loan (2025+)
5.24%
up to 63 months
View
▼
APR5.24%
Termup to 63 months
Last UpdatedOct 10, 2026
Details

lowest available

Rate History
No change since Oct 10, 2026 · 5.24% APR
4.74%5.24%5.74%Oct 10, 2026: 5.24% APROct 10, 2026Oct 13, 2026
Coconino Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.38%
2800 S Woodlands Village Blvd, Flagstaff, AZ, 86001
Vehicles - New & Used Loan
5.24%
0 - 35 Months
View
▼
APR5.24%
Term0 - 35 Months
Last UpdatedOct 12, 2026
Details

Published APR range: 5.24% - 17.74%. Model Year: 2020 - 2023; Effective Date: Monday, October 12th, 2026

Rate History
No change since Oct 8, 2026 · 5.24% APR · checked 2 times
4.74%5.24%5.74%Oct 8, 2026: 5.24% APROct 8, 2026Oct 13, 2026
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.78%
5910 W Northern Ave, Glendale, AZ, 85301
Auto loans
5.24%
60 months (5 years)
View
▼
APR5.24%
Term60 months (5 years)
Last UpdatedOct 13, 2026
Details

Includes cars, pickup trucks, SUVs, etc.

Rate History
No change since Oct 13, 2026 · 5.24% APR
4.74%5.24%5.74%Oct 13, 2026: 5.24% APROct 13, 2026Oct 13, 2026
America First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.33%
6846 E Warner Rd, Mesa, AZ, 85212 2138
Auto Loan - Declining Rate Auto
5.24%
5 Years
View
▼
APR5.24%
Term5 Years
Last UpdatedOct 13, 2026
Details

As Low As; Fixed; Rates for Utah

Rate History
No change since Sep 14, 2026 · 5.24% APR · checked 8 times
4.74%5.24%5.74%Sep 14, 2026: 5.24% APRSep 14, 2026Oct 13, 2026
Southeastern Arizona Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
1600 N Pan American Ave, Douglas, AZ, 85607
New Vehicle Loan
5.25%
Up to 48 months
View
▼
APR5.25%
TermUp to 48 months
Last UpdatedOct 12, 2026
Details

As Low As; New Vehicle 2021 and Newer, 10,000 miles or less

Rate History
No change since Oct 12, 2026 · 5.25% APR
4.75%5.25%5.75%Oct 12, 2026: 5.25% APROct 12, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
1683 S Arizona Ave, Yuma, AZ, 85364
Used Auto Loan
5.29%
37-60 Months
View
▼
APR5.29%
Term37-60 Months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Sep 30, 2026 · 5.29% APR · checked 4 times
4.79%5.29%5.79%Sep 30, 2026: 5.29% APRSep 30, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
1683 S Arizona Ave, Yuma, AZ, 85364
Used Vehicle Loan
5.29%
37-60 months
View
▼
APR5.29%
Term37-60 months
Last UpdatedOct 10, 2026
Details

As Low As; Rates subject to change.

Rate History
No change since Sep 30, 2026 · 5.29% APR · checked 4 times
4.79%5.29%5.79%Sep 30, 2026: 5.29% APRSep 30, 2026Oct 13, 2026
Prescott Federal Credit Union
Institution Rating:
B+4.1 ★ Texas Ratio: 2.84%
500 N State Route 89, Prescott, AZ, 86313 5001
Used Auto loans
5.30%
Up to 84 Months
View
▼
APR5.30%
TermUp to 84 Months
Last UpdatedOct 12, 2026
Details

Used Auto loans (Min $15,000.00)

Rate History
No change since Sep 16, 2026 · 5.30% APR · checked 5 times
4.80%5.30%5.80%Sep 16, 2026: 5.30% APRSep 16, 2026Oct 13, 2026
Prescott Federal Credit Union
Institution Rating:
B+4.1 ★ Texas Ratio: 2.84%
500 N State Route 89, Prescott, AZ, 86313 5001
New Auto loans
5.35%
Up to 84 Months
View
▼
APR5.35%
TermUp to 84 Months
Last UpdatedOct 12, 2026
Details

New Auto loans

Rate History
No change since Sep 16, 2026 · 5.35% APR · checked 5 times
4.85%5.35%5.85%Sep 16, 2026: 5.35% APRSep 16, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
1683 S Arizona Ave, Yuma, AZ, 85364
Used Auto Loan
5.39%
61-72 Months
View
▼
APR5.39%
Term61-72 Months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Sep 30, 2026 · 5.39% APR · checked 4 times
4.89%5.39%5.89%Sep 30, 2026: 5.39% APRSep 30, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
1683 S Arizona Ave, Yuma, AZ, 85364
Used Vehicle Loan
5.39%
61-72 months
View
▼
APR5.39%
Term61-72 months
Last UpdatedOct 10, 2026
Details

As Low As; Rates subject to change.

Rate History
No change since Sep 30, 2026 · 5.39% APR · checked 4 times
4.89%5.39%5.89%Sep 30, 2026: 5.39% APRSep 30, 2026Oct 13, 2026
Landings Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.83%
2800 S Mill Ave, Tempe, AZ, 85282
New Vehicles 2025 & Newer Loan
5.39%
63 months
View
▼
APR5.39%
Term63 months
Last UpdatedOct 13, 2026
Details

As Low As; Fixed Rates; Vehicle loan

Rate History
1 change since Sep 14, 2026 · 4.99% → 5.39% ▲ 0.40 pts · high 5.39% / low 4.99%
4.49%5.19%5.89%Sep 14, 2026: 4.99% APRSep 29, 2026: 5.39% APRSep 14, 2026Oct 13, 2026
  • Sep 29, 20265.39%▲ from 4.99%
  • Sep 14, 20264.99%first recorded
Sierra Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.95%
1600 E Northern Ave, Phoenix, AZ, 85020 3933
New and Used Auto Loan
5.44%
72 Months
View
▼
APR5.44%
Term72 Months
Last UpdatedOct 12, 2026
Details

As Low As; Rates apply to 2019 or newer models if conditions are met.

Rate History
No change since Sep 25, 2026 · 5.44% APR · checked 4 times
4.94%5.44%5.94%Sep 25, 2026: 5.44% APRSep 25, 2026Oct 13, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.54%
111 W Rio Salado Pkwy, Tempe, AZ, 85281
Business Auto Loan
5.49%
2021 - 2025
View
▼
APR5.49%
Term2021 - 2025
Last UpdatedSep 29, 2026
Details

As Low As

Rate History
No change since Sep 29, 2026 · 5.49% APR
4.99%5.49%5.99%Sep 29, 2026: 5.49% APRSep 29, 2026Oct 13, 2026
Bank of America
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
1030 Willow Creek Rd, Prescott, AZ, 86301
New car (dealer) Loan
5.49%
60 months
View
▼
APR5.49%
Term60 months
Last UpdatedOct 7, 2026
Details

As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.

Rate History
1 change since Sep 18, 2026 · 5.39% → 5.49% ▲ 0.10 pts · high 5.49% / low 5.39%
4.89%5.44%5.99%Sep 18, 2026: 5.39% APRSep 27, 2026: 5.49% APRSep 18, 2026Oct 13, 2026
  • Sep 27, 20265.49%▲ from 5.39%
  • Sep 18, 20265.39%first recorded
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.69%
2151 E Broadway Rd, Tempe, AZ, 85282 1893
Vehicle Loans
5.49%
84 Months
View
▼
APR5.49%
Term84 Months
Last UpdatedOct 9, 2026
Details

As Low As

Rate History
No change since Oct 9, 2026 · 5.49% APR · checked 3 times
4.99%5.49%5.99%Oct 9, 2026: 5.49% APROct 9, 2026Oct 13, 2026
Alhambra Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.43%
13331 W Indian School Rd Ste 205, Litchfield Park, AZ, 85340
Used Vehicle Loan
5.49%
60 Months
View
▼
APR5.49%
Term60 Months
Last UpdatedOct 9, 2026
Details

Published APR range: 5.49% - 19.15%. As low as

Rate History
No change since Sep 14, 2026 · 5.49% APR · checked 7 times
4.99%5.49%5.99%Sep 14, 2026: 5.49% APRSep 14, 2026Oct 13, 2026
Credit Union West Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.78%
20155 N 67th Ave, Glendale, AZ, 85308
Auto Loans (up to 20 years old)
5.49%
Up to 96 Months
View
▼
APR5.49%
TermUp to 96 Months
Last UpdatedOct 10, 2026
Details

Published APR range: 5.49% - 23.00%. Fixed

Rate History
1 change since Sep 18, 2026 · 5.24% → 5.49% ▲ 0.25 pts · high 5.49% / low 5.24%
4.74%5.37%5.99%Sep 18, 2026: 5.24% APROct 10, 2026: 5.49% APRSep 18, 2026Oct 13, 2026
  • Oct 10, 20265.49%▲ from 5.24%
  • Sep 18, 20265.24%first recorded
Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.64%
3699 Highway 95 Ste 200, Bullhead City, AZ, 86442
New & Used Autos
5.49%
72 Months
View
▼
APR5.49%
Term72 Months
Last UpdatedOct 10, 2026
Details

Published APR range: 5.49%-16.99%.

Rate History
No change since Sep 30, 2026 · 5.49% APR · checked 4 times
4.99%5.49%5.99%Sep 30, 2026: 5.49% APRSep 30, 2026Oct 13, 2026
Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.64%
3699 Highway 95 Ste 200, Bullhead City, AZ, 86442
New & Used Vehicles Loan
5.49%
72 Months
View
▼
APR5.49%
Term72 Months
Last UpdatedOct 10, 2026
Details

Published APR range: 5.49% - 16.99%.

Rate History
No change since Oct 10, 2026 · 5.49% APR
4.99%5.49%5.99%Oct 10, 2026: 5.49% APROct 10, 2026Oct 13, 2026
Coconino Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.38%
2800 S Woodlands Village Blvd, Flagstaff, AZ, 86001
Vehicles - New & Used Loan
5.49%
61 - 72 Months
View
▼
APR5.49%
Term61 - 72 Months
Last UpdatedOct 12, 2026
Details

Published APR range: 5.49% - 17.74%. Model Year: 2024 & Newer; Effective Date: Monday, October 12th, 2026

Rate History
No change since Oct 8, 2026 · 5.49% APR · checked 2 times
4.99%5.49%5.99%Oct 8, 2026: 5.49% APROct 8, 2026Oct 13, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.22%
1575 S Price Road, Chandler, AZ, 85286
New Auto - FIXED
5.49%
7 Years
View
▼
APR5.49%
Term7 Years
Last UpdatedOct 13, 2026
Details

Minimum loan $10,001 on terms of more than 48 months; Tier 1 credit; includes automatic payment discount from NGFCU checking or savings account

Rate History
No change since Oct 13, 2026 · 5.49% APR
4.99%5.49%5.99%Oct 13, 2026: 5.49% APROct 13, 2026Oct 13, 2026
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 9.78%
5910 W Northern Ave, Glendale, AZ, 85301
Auto loans
5.49%
72 months (6 years)
View
▼
APR5.49%
Term72 months (6 years)
Last UpdatedOct 13, 2026
Details

Includes cars, pickup trucks, SUVs, etc.

Rate History
No change since Oct 13, 2026 · 5.49% APR
4.99%5.49%5.99%Oct 13, 2026: 5.49% APROct 13, 2026Oct 13, 2026
Alhambra Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.43%
13331 W Indian School Rd Ste 205, Litchfield Park, AZ, 85340
New Vehicle Loan
5.50%
72 Months
View
▼
APR5.50%
Term72 Months
Last UpdatedOct 9, 2026
Details

Published APR range: 5.50% - 18.15%. As low as

Rate History
No change since Sep 14, 2026 · 5.50% APR · checked 7 times
5.00%5.50%6.00%Sep 14, 2026: 5.50% APRSep 14, 2026Oct 13, 2026
Southeastern Arizona Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
1600 N Pan American Ave, Douglas, AZ, 85607
Used Vehicle 2012 and Newer Loan
5.50%
Up to 48 months
View
▼
APR5.50%
TermUp to 48 months
Last UpdatedOct 12, 2026
Details

As Low As; Max term: Up to 48 months

Rate History
No change since Oct 12, 2026 · 5.50% APR
5.00%5.50%6.00%Oct 12, 2026: 5.50% APROct 12, 2026Oct 13, 2026
Arizona Central Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.52%
2020 N CENTRAL AVE STE 100, PHOENIX, AZ, 85004
New Auto Loan (2022 and newer)
5.50%
Up to 48 months
View
▼
APR5.50%
TermUp to 48 months
Last UpdatedOct 13, 2026
Details

As Low As; Model year: 2022 and newer; Maximum loan term: 48 months

Rate History
No change since Oct 13, 2026 · 5.50% APR
5.00%5.50%6.00%Oct 13, 2026: 5.50% APROct 13, 2026Oct 13, 2026
Prescott Federal Credit Union
Institution Rating:
B+4.1 ★ Texas Ratio: 2.84%
500 N State Route 89, Prescott, AZ, 86313 5001
Used Auto Loans
5.55%
Up to 84 Months
View
▼
APR5.55%
TermUp to 84 Months
Last UpdatedOct 12, 2026
Details

Used Auto Loans

Rate History
No change since Sep 16, 2026 · 5.55% APR · checked 5 times
5.05%5.55%6.05%Sep 16, 2026: 5.55% APRSep 16, 2026Oct 13, 2026
Landings Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.83%
2800 S Mill Ave, Tempe, AZ, 85282
New Vehicles 2025 & Newer Loan
5.64%
75 months
View
▼
APR5.64%
Term75 months
Last UpdatedOct 13, 2026
Details

As Low As; Fixed Rates; Vehicle loan

Rate History
1 change since Sep 14, 2026 · 5.24% → 5.64% ▲ 0.40 pts · high 5.64% / low 5.24%
4.74%5.44%6.14%Sep 14, 2026: 5.24% APRSep 29, 2026: 5.64% APRSep 14, 2026Oct 13, 2026
  • Sep 29, 20265.64%▲ from 5.24%
  • Sep 14, 20265.24%first recorded
Landings Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.83%
2800 S Mill Ave, Tempe, AZ, 85282
Used Vehicles 2021 to 2024 Loan
5.64%
63 months
View
▼
APR5.64%
Term63 months
Last UpdatedOct 13, 2026
Details

As Low As; Fixed Rates; APR (as low as)

Rate History
1 change since Sep 14, 2026 · 5.24% → 5.64% ▲ 0.40 pts · high 5.64% / low 5.24%
4.74%5.44%6.14%Sep 14, 2026: 5.24% APRSep 29, 2026: 5.64% APRSep 14, 2026Oct 13, 2026
  • Sep 29, 20265.64%▲ from 5.24%
  • Sep 14, 20265.24%first recorded
Arizona Central Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.52%
2020 N CENTRAL AVE STE 100, PHOENIX, AZ, 85004
Used Auto Loan (2015 to 2017)
5.65%
Up to 48 months
View
▼
APR5.65%
TermUp to 48 months
Last UpdatedOct 13, 2026
Details

As Low As; Model Year: 2015 to 2017 (used vehicle)

Rate History
No change since Oct 13, 2026 · 5.65% APR
5.15%5.65%6.15%Oct 13, 2026: 5.65% APROct 13, 2026Oct 13, 2026
Arizona Central Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.52%
2020 N CENTRAL AVE STE 100, PHOENIX, AZ, 85004
Used Auto Loan (2018 to 2021)
5.65%
48 months
View
▼
APR5.65%
Term48 months
Last UpdatedOct 13, 2026
Details

As Low As; Used auto loan, model years 2018 to 2021

Rate History
No change since Oct 13, 2026 · 5.65% APR
5.15%5.65%6.15%Oct 13, 2026: 5.65% APROct 13, 2026Oct 13, 2026
Bank of America
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
1030 Willow Creek Rd, Prescott, AZ, 86301
Used car (dealer) Loan
5.69%
60 months
View
▼
APR5.69%
Term60 months
Last UpdatedOct 7, 2026
Details

As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.

Rate History
1 change since Sep 18, 2026 · 5.59% → 5.69% ▲ 0.10 pts · high 5.69% / low 5.59%
5.09%5.64%6.19%Sep 18, 2026: 5.59% APRSep 27, 2026: 5.69% APRSep 18, 2026Oct 13, 2026
  • Sep 27, 20265.69%▲ from 5.59%
  • Sep 18, 20265.59%first recorded
Idaho Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.55%
9725 E Broadway Blvd, Tucson, AZ, 85748
Auto Loan
5.69%
48 months
View
▼
APR5.69%
Interest Rate5.69%
Term48 months
Last UpdatedOct 13, 2026
Details

As Low As; Terms: See Terms; Apply Now

Rate History
1 change since Sep 18, 2026 · 5.54% → 5.69% ▲ 0.15 pts · high 5.69% / low 5.54%
5.04%5.62%6.19%Sep 18, 2026: 5.54% APROct 9, 2026: 5.69% APRSep 18, 2026Oct 13, 2026
  • Oct 9, 20265.69%▲ from 5.54%
  • Sep 18, 20265.54%first recorded
Idaho Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.55%
9725 E Broadway Blvd, Tucson, AZ, 85748
Auto Loan - 48 months
5.69%
48 months
View
▼
APR5.69%
Interest Rate5.69%
Term48 months
Last UpdatedOct 13, 2026
Details

As Low As; Interest Rate As Low As column; see Terms

Rate History
1 change since Sep 14, 2026 · 5.54% → 5.69% ▲ 0.15 pts · high 5.69% / low 5.54%
5.04%5.62%6.19%Sep 14, 2026: 5.54% APROct 13, 2026: 5.69% APRSep 14, 2026Oct 13, 2026
  • Oct 13, 20265.69%▲ from 5.54%
  • Sep 14, 20265.54%first recorded
Arizona Central Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.52%
2020 N CENTRAL AVE STE 100, PHOENIX, AZ, 85004
New Auto Loan (2022 and newer)
5.70%
Up to 63 months
View
▼
APR5.70%
TermUp to 63 months
Last UpdatedOct 13, 2026
Details

As Low As; Model year: 2022 and newer; Maximum loan term: 63 months

Rate History
No change since Oct 13, 2026 · 5.70% APR
5.20%5.70%6.20%Oct 13, 2026: 5.70% APROct 13, 2026Oct 13, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.54%
111 W Rio Salado Pkwy, Tempe, AZ, 85281
Auto Loan
5.74%
2018 - 2021
View
▼
APR5.74%
Term2018 - 2021
Last UpdatedSep 29, 2026
Details

As Low As

Rate History
No change since Sep 29, 2026 · 5.74% APR
5.24%5.74%6.24%Sep 29, 2026: 5.74% APRSep 29, 2026Oct 13, 2026
Pima Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
3730 N Stone Ave, tucson, AZ, 85705 3204
Vehicles - New & Used Loan
5.74%
7 - 60 months
View
▼
APR5.74%
Term7 - 60 months
Last UpdatedOct 12, 2026
Details

As Low As; APR*

Rate History
No change since Sep 12, 2026 · 5.74% APR · checked 8 times
5.24%5.74%6.24%Sep 12, 2026: 5.74% APRSep 12, 2026Oct 13, 2026
Winslow Santa Fe Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
1021 N Williamson Ave, Winslow, AZ, 86047 3738
New Cars (2025 to 2026) Loan
5.74%
36 months
View
▼
APR5.74%
Term36 months
Last UpdatedOct 13, 2026
Details

Interest rates based on approved credit on scores 675-750

Rate History
No change since Sep 18, 2026 · 5.74% APR · checked 5 times
5.24%5.74%6.24%Sep 18, 2026: 5.74% APRSep 18, 2026Oct 13, 2026
Winslow Santa Fe Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
1021 N Williamson Ave, Winslow, AZ, 86047 3738
New Cars (2025 to 2026) Loan
5.74%
48 months
View
▼
APR5.74%
Term48 months
Last UpdatedOct 13, 2026
Details

Interest rates based on approved credit on scores 675-750

Rate History
No change since Sep 18, 2026 · 5.74% APR · checked 5 times
5.24%5.74%6.24%Sep 18, 2026: 5.74% APRSep 18, 2026Oct 13, 2026
District #6 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.29%
2335 S Ellis St, Chandler, AZ, 85286 6701
Vehicle Loan
5.75%
Up to 84 months
View
▼
APR5.75%
TermUp to 84 months
Last UpdatedOct 12, 2026
Details

Model Years: 2023 - 2027; ($30,000 Minimum)

Rate History
No change since Oct 12, 2026 · 5.75% APR
5.25%5.75%6.25%Oct 12, 2026: 5.75% APROct 12, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
1683 S Arizona Ave, Yuma, AZ, 85364
New Business Vehicle Loan
5.79%
37-60 months
View
▼
APR5.79%
Term37-60 months
Last UpdatedOct 10, 2026
Details

As low as

Rate History
No change since Sep 30, 2026 · 5.79% APR · checked 4 times
5.29%5.79%6.29%Sep 30, 2026: 5.79% APRSep 30, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
1683 S Arizona Ave, Yuma, AZ, 85364
New Business Vehicle Loan
5.79%
61-72 months
View
▼
APR5.79%
Term61-72 months
Last UpdatedOct 10, 2026
Details

As low as

Rate History
No change since Sep 30, 2026 · 5.79% APR · checked 4 times
5.29%5.79%6.29%Sep 30, 2026: 5.79% APRSep 30, 2026Oct 13, 2026
Arizona Central Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.52%
2020 N CENTRAL AVE STE 100, PHOENIX, AZ, 85004
Used Auto Loan (2015 to 2017)
5.85%
Up to 60 months
View
▼
APR5.85%
TermUp to 60 months
Last UpdatedOct 13, 2026
Details

As Low As; Model Year: 2015 to 2017 (used vehicle)

Rate History
No change since Oct 13, 2026 · 5.85% APR
5.35%5.85%6.35%Oct 13, 2026: 5.85% APROct 13, 2026Oct 13, 2026
Arizona Central Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.52%
2020 N CENTRAL AVE STE 100, PHOENIX, AZ, 85004
Used Auto Loan (2018 to 2021)
5.85%
63 months
View
▼
APR5.85%
Term63 months
Last UpdatedOct 13, 2026
Details

As Low As; Used auto loan, model years 2018 to 2021

Rate History
No change since Oct 13, 2026 · 5.85% APR
5.35%5.85%6.35%Oct 13, 2026: 5.85% APROct 13, 2026Oct 13, 2026
Landings Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.83%
2800 S Mill Ave, Tempe, AZ, 85282
Used Vehicles 2021 to 2024 Loan
5.89%
75 months
View
▼
APR5.89%
Term75 months
Last UpdatedOct 13, 2026
Details

As Low As; Fixed Rates; APR (as low as)

Rate History
1 change since Sep 14, 2026 · 5.49% → 5.89% ▲ 0.40 pts · high 5.89% / low 5.49%
4.99%5.69%6.39%Sep 14, 2026: 5.49% APRSep 29, 2026: 5.89% APRSep 14, 2026Oct 13, 2026
  • Sep 29, 20265.89%▲ from 5.49%
  • Sep 14, 20265.49%first recorded
Greenwich Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
240 N Roosevelt Ave, Chandler, AZ, 85226
New Cars - 72 Months Loan
5.90%
72 Months
View
▼
APR5.90%
Term72 Months
Last UpdatedOct 13, 2026
Details

New Car auto loan; APR; New Car 72 months financing for $20,000.00 sticker price or greater

Rate History
No change since Sep 14, 2026 · 5.90% APR · checked 3 times
5.40%5.90%6.40%Sep 14, 2026: 5.90% APRSep 14, 2026Oct 13, 2026
Greenwich Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
240 N Roosevelt Ave, Chandler, AZ, 85226
New Cars Loan
5.90%
72 Months
View
▼
APR5.90%
Term72 Months
Last UpdatedOct 13, 2026
Details

New Car 72 months financing for $20,000.00 sticker price or greater; Credit Union finances 100% of purchase price including tax, registration and extended warranty; Maximum car loan $75,000.00

Rate History
No change since Sep 17, 2026 · 5.90% APR · checked 8 times
5.40%5.90%6.40%Sep 17, 2026: 5.90% APRSep 17, 2026Oct 13, 2026
Greenwich Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
240 N Roosevelt Ave, Chandler, AZ, 85226
Used Cars Loan
5.90%
36 Months
View
▼
APR5.90%
Term36 Months
Last UpdatedOct 13, 2026
Details

APR = Annual Percentage Rate; Maximum car loan is $75,000.00

Rate History
No change since Sep 17, 2026 · 5.90% APR · checked 8 times
5.40%5.90%6.40%Sep 17, 2026: 5.90% APRSep 17, 2026Oct 13, 2026
Greenwich Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
240 N Roosevelt Ave, Chandler, AZ, 85226
Used Cars Loan
5.90%
48 Months
View
▼
APR5.90%
Term48 Months
Last UpdatedOct 13, 2026
Details

APR = Annual Percentage Rate; Maximum car loan is $75,000.00

Rate History
No change since Sep 17, 2026 · 5.90% APR · checked 8 times
5.40%5.90%6.40%Sep 17, 2026: 5.90% APRSep 17, 2026Oct 13, 2026
Greenwich Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
240 N Roosevelt Ave, Chandler, AZ, 85226
Used Cars Loan
5.90%
60 Months
View
▼
APR5.90%
Term60 Months
Last UpdatedOct 13, 2026
Details

APR = Annual Percentage Rate; Maximum car loan is $75,000.00

Rate History
No change since Sep 17, 2026 · 5.90% APR · checked 8 times
5.40%5.90%6.40%Sep 17, 2026: 5.90% APRSep 17, 2026Oct 13, 2026
Sierra Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.95%
1600 E Northern Ave, Phoenix, AZ, 85020 3933
New and Used Auto Loan
5.94%
84 Months
View
▼
APR5.94%
Term84 Months
Last UpdatedOct 12, 2026
Details

As Low As; Rates apply to 2019 or newer models if conditions are met.

Rate History
No change since Sep 25, 2026 · 5.94% APR · checked 4 times
5.44%5.94%6.44%Sep 25, 2026: 5.94% APRSep 25, 2026Oct 13, 2026
Idaho Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.55%
9725 E Broadway Blvd, Tucson, AZ, 85748
Auto Loan
5.94%
60 months
View
▼
APR5.94%
Interest Rate5.94%
Term60 months
Last UpdatedOct 13, 2026
Details

As Low As; Terms: See Terms; Apply Now

Rate History
1 change since Sep 18, 2026 · 5.79% → 5.94% ▲ 0.15 pts · high 5.94% / low 5.79%
5.29%5.87%6.44%Sep 18, 2026: 5.79% APROct 9, 2026: 5.94% APRSep 18, 2026Oct 13, 2026
  • Oct 9, 20265.94%▲ from 5.79%
  • Sep 18, 20265.79%first recorded
Idaho Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.55%
9725 E Broadway Blvd, Tucson, AZ, 85748
Auto Loan - 60 months
5.94%
60 months
View
▼
APR5.94%
Interest Rate5.94%
Term60 months
Last UpdatedOct 13, 2026
Details

As Low As; Interest Rate As Low As column; see Terms

Rate History
1 change since Sep 14, 2026 · 5.79% → 5.94% ▲ 0.15 pts · high 5.94% / low 5.79%
5.29%5.87%6.44%Sep 14, 2026: 5.79% APROct 13, 2026: 5.94% APRSep 14, 2026Oct 13, 2026
  • Oct 13, 20265.94%▲ from 5.79%
  • Sep 14, 20265.79%first recorded
Winslow Santa Fe Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
1021 N Williamson Ave, Winslow, AZ, 86047 3738
New Cars (2025 to 2026) Loan
5.94%
60 months
View
▼
APR5.94%
Term60 months
Last UpdatedOct 13, 2026
Details

Interest rates based on approved credit on scores 675-750

Rate History
No change since Sep 14, 2026 · 5.94% APR · checked 6 times
5.44%5.94%6.44%Sep 14, 2026: 5.94% APRSep 14, 2026Oct 13, 2026
Winslow Santa Fe Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
1021 N Williamson Ave, Winslow, AZ, 86047 3738
Used Cars (2024 and older) Loan
5.94%
36 months
View
▼
APR5.94%
Term36 months
Last UpdatedOct 13, 2026
Details

Interest rates based on approved credit on scores 675-750

Rate History
No change since Sep 18, 2026 · 5.94% APR · checked 5 times
5.44%5.94%6.44%Sep 18, 2026: 5.94% APRSep 18, 2026Oct 13, 2026
Winslow Santa Fe Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
1021 N Williamson Ave, Winslow, AZ, 86047 3738
Used Cars (2024 and older) Loan
5.94%
48 months
View
▼
APR5.94%
Term48 months
Last UpdatedOct 13, 2026
Details

Interest rates based on approved credit on scores 675-750

Rate History
No change since Sep 18, 2026 · 5.94% APR · checked 5 times
5.44%5.94%6.44%Sep 18, 2026: 5.94% APRSep 18, 2026Oct 13, 2026
UNIFY Financial Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 14.54%
111 W Rio Salado Pkwy, Tempe, AZ, 85281
Business Auto Loan
5.99%
2017 - 2020
View
▼
APR5.99%
Term2017 - 2020
Last UpdatedSep 29, 2026
Details

As Low As

Rate History
No change since Sep 29, 2026 · 5.99% APR
5.49%5.99%6.49%Sep 29, 2026: 5.99% APRSep 29, 2026Oct 13, 2026
Sharefax Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.78%
615 N 48th St, Phoenix, AZ, 85008 6608
Vehicle Loans (7/31/2026)MODEL YEAR 2023 & NEWER Up to 63 Months
5.99%
Up to 63 Months
View
▼
APR5.99%
TermUp to 63 Months
Last UpdatedOct 9, 2026
Details

As Low As

Rate History
No change since Oct 9, 2026 · 5.99% APR
5.49%5.99%6.49%Oct 9, 2026: 5.99% APROct 9, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
1683 S Arizona Ave, Yuma, AZ, 85364
New Auto Loan
5.99%
73-84 Months
View
▼
APR5.99%
Term73-84 Months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Sep 30, 2026 · 5.99% APR · checked 4 times
5.49%5.99%6.49%Sep 30, 2026: 5.99% APRSep 30, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
1683 S Arizona Ave, Yuma, AZ, 85364
New Vehicle Loan
5.99%
73-84 months
View
▼
APR5.99%
Term73-84 months
Last UpdatedOct 10, 2026
Details

As Low As; Rates subject to change.

Rate History
No change since Sep 30, 2026 · 5.99% APR · checked 4 times
5.49%5.99%6.49%Sep 30, 2026: 5.99% APRSep 30, 2026Oct 13, 2026
Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.64%
3699 Highway 95 Ste 200, Bullhead City, AZ, 86442
New & Used Autos
5.99%
84 Months
View
▼
APR5.99%
Term84 Months
Last UpdatedOct 10, 2026
Details

Published APR range: 5.99%-7.49%. **

Rate History
No change since Sep 30, 2026 · 5.99% APR · checked 4 times
5.49%5.99%6.49%Sep 30, 2026: 5.99% APRSep 30, 2026Oct 13, 2026
Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.64%
3699 Highway 95 Ste 200, Bullhead City, AZ, 86442
New & Used Vehicles Loan
5.99%
84 Months
View
▼
APR5.99%
Term84 Months
Last UpdatedOct 10, 2026
Details

Published APR range: 5.99% - 7.49%.

Rate History
No change since Oct 10, 2026 · 5.99% APR
5.49%5.99%6.49%Oct 10, 2026: 5.99% APROct 10, 2026Oct 13, 2026
Pima Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
3730 N Stone Ave, tucson, AZ, 85705 3204
Vehicles - New & Used Loan
5.99%
61 - 84 months
View
▼
APR5.99%
Term61 - 84 months
Last UpdatedOct 12, 2026
Details

As Low As; APR*

Rate History
No change since Sep 12, 2026 · 5.99% APR · checked 8 times
5.49%5.99%6.49%Sep 12, 2026: 5.99% APRSep 12, 2026Oct 13, 2026
Coconino Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.38%
2800 S Woodlands Village Blvd, Flagstaff, AZ, 86001
Vehicles - New & Used Loan
5.99%
73 - 84 Months
View
▼
APR5.99%
Term73 - 84 Months
Last UpdatedOct 12, 2026
Details

Published APR range: 5.99% - 17.74%. Model Year: 2024 & Newer; Effective Date: Monday, October 12th, 2026

Rate History
No change since Oct 8, 2026 · 5.99% APR · checked 2 times
5.49%5.99%6.49%Oct 8, 2026: 5.99% APROct 8, 2026Oct 13, 2026
America First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.33%
6846 E Warner Rd, Mesa, AZ, 85212 2138
Auto Loan
5.99%
7 Years
View
▼
APR5.99%
Term7 Years
Last UpdatedOct 13, 2026
Details

As Low As; Fixed; Rates for Utah

Rate History
No change since Sep 14, 2026 · 5.99% APR · checked 8 times
5.49%5.99%6.49%Sep 14, 2026: 5.99% APRSep 14, 2026Oct 13, 2026
Alhambra Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.43%
13331 W Indian School Rd Ste 205, Litchfield Park, AZ, 85340
New Vehicle Loan
6.00%
84 Months
View
▼
APR6.00%
Term84 Months
Last UpdatedOct 9, 2026
Details

Published APR range: 6.00% - 20.15%. As low as

Rate History
No change since Sep 14, 2026 · 6.00% APR · checked 7 times
5.50%6.00%6.50%Sep 14, 2026: 6.00% APRSep 14, 2026Oct 13, 2026
Alhambra Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.43%
13331 W Indian School Rd Ste 205, Litchfield Park, AZ, 85340
Used Vehicle Loan
6.00%
72 Months
View
▼
APR6.00%
Term72 Months
Last UpdatedOct 9, 2026
Details

Published APR range: 6.00% - 19.65%. As low as

Rate History
No change since Sep 14, 2026 · 6.00% APR · checked 7 times
5.50%6.00%6.50%Sep 14, 2026: 6.00% APRSep 14, 2026Oct 13, 2026
District #6 Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.29%
2335 S Ellis St, Chandler, AZ, 85286 6701
Vehicle Loan
6.00%
Up to 72 Months
View
▼
APR6.00%
TermUp to 72 Months
Last UpdatedOct 12, 2026
Details

Model Year: 2022 & Older; ($20,000 Minimum)

Rate History
No change since Oct 12, 2026 · 6.00% APR
5.50%6.00%6.50%Oct 12, 2026: 6.00% APROct 12, 2026Oct 13, 2026
Blue Water Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
4801 E Thistle Landing Dr, Phoenix, AZ, 85044 6459
Vehicle Loans - 2022-2020 Vehicles/Motorcycles
6.00%
Up to 60 Months
View
▼
APR6.00%
TermUp to 60 Months
Last UpdatedOct 13, 2026
Details

APR Type: Fixed; Effective Date: 10/12/2026

Rate History
No change since Oct 13, 2026 · 6.00% APR
5.50%6.00%6.50%Oct 13, 2026: 6.00% APROct 13, 2026Oct 13, 2026
Blue Water Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
4801 E Thistle Landing Dr, Phoenix, AZ, 85044 6459
Vehicle Loans - 2024-2023 Vehicles/Motorcycles
6.00%
Up to 72 Months
View
▼
APR6.00%
TermUp to 72 Months
Last UpdatedOct 13, 2026
Details

APR Type: Fixed; Effective Date: 10/12/2026

Rate History
No change since Oct 13, 2026 · 6.00% APR
5.50%6.00%6.50%Oct 13, 2026: 6.00% APROct 13, 2026Oct 13, 2026
TruWest Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.57%
5136 E Roosevelt St, Phoenix, AZ, 85008 7322
New/Used Auto
6.00%
49 - 63 months
View
▼
APR6.00%
Term49 - 63 months
Last UpdatedOct 13, 2026
Details

APR range: 6.00% - 13.85%; up to 14.10% financing on New/Used Auto purchases and refinances from another institution, maximum 84-month term

Rate History
1 change since Sep 14, 2026 · 5.75% → 6.00% ▲ 0.25 pts · high 6.00% / low 5.75%
5.25%5.88%6.50%Sep 14, 2026: 5.75% APRSep 29, 2026: 6.00% APRSep 14, 2026Oct 13, 2026
  • Sep 29, 20266.00%▲ from 5.75%
  • Sep 14, 20265.75%first recorded
First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.39%
475 N Gila Springs Blvd, Chandler, AZ, 85226
New Vehicle Loan (2025+)
6.04%
64-75 months
View
▼
APR6.04%
Term64-75 months
Last UpdatedOct 10, 2026
Details

lowest available

Rate History
No change since Oct 10, 2026 · 6.04% APR
5.54%6.04%6.54%Oct 10, 2026: 6.04% APROct 10, 2026Oct 13, 2026
SunWest Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.68%
5323 N 99th Ave Ste 220, Glendale, AZ, 85305 2224
Auto Loan - New + Used
6.09%
36 months
View
▼
APR6.09%
Term36 months
Last UpdatedOct 12, 2026
Details

As Low As; Model Year: 2025 + newer New + used

Rate History
No change since Oct 12, 2026 · 6.09% APR
5.59%6.09%6.59%Oct 12, 2026: 6.09% APROct 12, 2026Oct 13, 2026
SunWest Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.68%
5323 N 99th Ave Ste 220, Glendale, AZ, 85305 2224
Auto Loan - New + Used
6.09%
48 months
View
▼
APR6.09%
Term48 months
Last UpdatedOct 12, 2026
Details

As Low As; Model Year: 2025 + newer New + used

Rate History
No change since Oct 12, 2026 · 6.09% APR
5.59%6.09%6.59%Oct 12, 2026: 6.09% APROct 12, 2026Oct 13, 2026
SunWest Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.68%
5323 N 99th Ave Ste 220, Glendale, AZ, 85305 2224
Auto Loan - New + Used
6.09%
60 months
View
▼
APR6.09%
Term60 months
Last UpdatedOct 12, 2026
Details

As Low As; Model Year: 2025 + newer New + used

Rate History
No change since Oct 12, 2026 · 6.09% APR
5.59%6.09%6.59%Oct 12, 2026: 6.09% APROct 12, 2026Oct 13, 2026
Winslow Santa Fe Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
1021 N Williamson Ave, Winslow, AZ, 86047 3738
New Cars (2025 to 2026) Loan
6.09%
66 months
View
▼
APR6.09%
Term66 months
Last UpdatedOct 13, 2026
Details

Over $20,000; interest rates based on approved credit on scores 675-750

Rate History
No change since Sep 14, 2026 · 6.09% APR · checked 6 times
5.59%6.09%6.59%Sep 14, 2026: 6.09% APRSep 14, 2026Oct 13, 2026
Landings Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.83%
2800 S Mill Ave, Tempe, AZ, 85282
New Vehicles 2025 & Newer Loan
6.14%
84 months
View
▼
APR6.14%
Term84 months
Last UpdatedOct 13, 2026
Details

As Low As; Fixed Rates; Vehicle loan

Rate History
1 change since Sep 14, 2026 · 5.74% → 6.14% ▲ 0.40 pts · high 6.14% / low 5.74%
5.24%5.94%6.64%Sep 14, 2026: 5.74% APRSep 29, 2026: 6.14% APRSep 14, 2026Oct 13, 2026
  • Sep 29, 20266.14%▲ from 5.74%
  • Sep 14, 20265.74%first recorded
Landings Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.83%
2800 S Mill Ave, Tempe, AZ, 85282
Used Vehicles 2016-2020 Loan
6.14%
63 months
View
▼
APR6.14%
Term63 months
Last UpdatedOct 13, 2026
Details

As Low As; Fixed Rates

Rate History
1 change since Sep 14, 2026 · 5.74% → 6.14% ▲ 0.40 pts · high 6.14% / low 5.74%
5.24%5.94%6.64%Sep 14, 2026: 5.74% APRSep 29, 2026: 6.14% APRSep 14, 2026Oct 13, 2026
  • Sep 29, 20266.14%▲ from 5.74%
  • Sep 14, 20265.74%first recorded
Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.68%
402 E Monroe Ave, Buckeye, AZ, 85326
New car purchase Loan
6.24%
60 months
View
▼
APR6.24%
Term60 months
Last UpdatedOct 7, 2026
Details

Rate History
3 changes since Sep 14, 2026 · 5.94% → 6.24% ▲ 0.30 pts · high 6.24% / low 5.94%
5.44%6.09%6.74%Sep 14, 2026: 5.94% APRSep 18, 2026: 6.04% APRSep 27, 2026: 6.14% APROct 2, 2026: 6.24% APRSep 14, 2026Oct 13, 2026
  • Oct 2, 20266.24%▲ from 6.14%
  • Sep 27, 20266.14%▲ from 6.04%
  • Sep 18, 20266.04%▲ from 5.94%
  • Sep 14, 20265.94%first recorded
Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.68%
402 E Monroe Ave, Buckeye, AZ, 85326
New car rate Loan
6.24%
60 months
View
▼
APR6.24%
Term60 months
Last UpdatedOct 7, 2026
Details

For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term. Purchase of a new car would have a 6.24% APR for 60 months, monthly payment of $875.01 for $45,000 financing, down payment of $0

Rate History
3 changes since Sep 14, 2026 · 5.94% → 6.24% ▲ 0.30 pts · high 6.24% / low 5.94%
5.44%6.09%6.74%Sep 14, 2026: 5.94% APRSep 18, 2026: 6.04% APRSep 27, 2026: 6.14% APROct 2, 2026: 6.24% APRSep 14, 2026Oct 13, 2026
  • Oct 2, 20266.24%▲ from 6.14%
  • Sep 27, 20266.14%▲ from 6.04%
  • Sep 18, 20266.04%▲ from 5.94%
  • Sep 14, 20265.94%first recorded
Sharefax Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.78%
615 N 48th St, Phoenix, AZ, 85008 6608
Vehicle Loans (7/31/2026)MODEL YEAR 2023 & NEWER Up to 75 Months
6.24%
Up to 75 Months
View
▼
APR6.24%
TermUp to 75 Months
Last UpdatedOct 9, 2026
Details

As Low As

Rate History
No change since Oct 9, 2026 · 6.24% APR
5.74%6.24%6.74%Oct 9, 2026: 6.24% APROct 9, 2026Oct 13, 2026
Coconino Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.38%
2800 S Woodlands Village Blvd, Flagstaff, AZ, 86001
Vehicles - New & Used Loan
6.24%
36 - 60 Months
View
▼
APR6.24%
Term36 - 60 Months
Last UpdatedOct 12, 2026
Details

Published APR range: 6.24% - 17.99%. Model Year: 2020 - 2023; Effective Date: Monday, October 12th, 2026

Rate History
No change since Oct 8, 2026 · 6.24% APR · checked 2 times
5.74%6.24%6.74%Oct 8, 2026: 6.24% APROct 8, 2026Oct 13, 2026
Idaho Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.55%
9725 E Broadway Blvd, Tucson, AZ, 85748
Auto Loan
6.24%
72 months
View
▼
APR6.24%
Interest Rate6.24%
Term72 months
Last UpdatedOct 13, 2026
Details

As Low As; Terms: See Terms; Apply Now

Rate History
1 change since Sep 18, 2026 · 6.09% → 6.24% ▲ 0.15 pts · high 6.24% / low 6.09%
5.59%6.17%6.74%Sep 18, 2026: 6.09% APROct 9, 2026: 6.24% APRSep 18, 2026Oct 13, 2026
  • Oct 9, 20266.24%▲ from 6.09%
  • Sep 18, 20266.09%first recorded
Idaho Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.55%
9725 E Broadway Blvd, Tucson, AZ, 85748
Auto Loan - 72 months
6.24%
72 months
View
▼
APR6.24%
Interest Rate6.24%
Term72 months
Last UpdatedOct 13, 2026
Details

As Low As; Interest Rate As Low As column; see Terms

Rate History
1 change since Sep 14, 2026 · 6.09% → 6.24% ▲ 0.15 pts · high 6.24% / low 6.09%
5.59%6.17%6.74%Sep 14, 2026: 6.09% APROct 13, 2026: 6.24% APRSep 14, 2026Oct 13, 2026
  • Oct 13, 20266.24%▲ from 6.09%
  • Sep 14, 20266.09%first recorded
Winslow Santa Fe Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
1021 N Williamson Ave, Winslow, AZ, 86047 3738
New Cars (2025 to 2026) Loan
6.24%
72 months
View
▼
APR6.24%
Term72 months
Last UpdatedOct 13, 2026
Details

Over $20,000; interest rates based on approved credit on scores 675-750

Rate History
No change since Sep 14, 2026 · 6.24% APR · checked 6 times
5.74%6.24%6.74%Sep 14, 2026: 6.24% APRSep 14, 2026Oct 13, 2026
Winslow Santa Fe Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
1021 N Williamson Ave, Winslow, AZ, 86047 3738
Used Cars (2024 and older) Loan
6.24%
60 months
View
▼
APR6.24%
Term60 months
Last UpdatedOct 13, 2026
Details

Interest rates based on approved credit on scores 675-750

Rate History
No change since Sep 14, 2026 · 6.24% APR · checked 6 times
5.74%6.24%6.74%Sep 14, 2026: 6.24% APRSep 14, 2026Oct 13, 2026
TruWest Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.57%
5136 E Roosevelt St, Phoenix, AZ, 85008 7322
New/Used Auto
6.24%
64 - 75 months
View
▼
APR6.24%
Term64 - 75 months
Last UpdatedOct 13, 2026
Details

APR range: 6.24% - 14.10%

Rate History
1 change since Sep 18, 2026 · 5.99% → 6.24% ▲ 0.25 pts · high 6.24% / low 5.99%
5.49%6.12%6.74%Sep 18, 2026: 5.99% APRSep 29, 2026: 6.24% APRSep 18, 2026Oct 13, 2026
  • Sep 29, 20266.24%▲ from 5.99%
  • Sep 18, 20265.99%first recorded
TruWest Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.57%
5136 E Roosevelt St, Phoenix, AZ, 85008 7322
New/Used Auto
6.24%
76 - 84 months
View
▼
APR6.24%
Term76 - 84 months
Last UpdatedOct 13, 2026
Details

APR range: 6.24% - 12.73%

Rate History
1 change since Sep 18, 2026 · 5.99% → 6.24% ▲ 0.25 pts · high 6.24% / low 5.99%
5.49%6.12%6.74%Sep 18, 2026: 5.99% APRSep 29, 2026: 6.24% APRSep 18, 2026Oct 13, 2026
  • Sep 29, 20266.24%▲ from 5.99%
  • Sep 18, 20265.99%first recorded
Marisol Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.21%
1515 W Roosevelt St, Phoenix, AZ, 85007 2034
Vehicles - Model Years 2025 and Newer
6.25%
up to 48 Months
View
▼
APR6.25%
Interest Rate6.25%
Termup to 48 Months
Last UpdatedOct 12, 2026
Details

Credit Score: 725+

Rate History
2 changes since Sep 14, 2026 · 6.25% → 6.25% ▼ 0.00 pts · high 11.25% / low 6.25%
1.25%8.75%16.25%Sep 14, 2026: 6.25% APRSep 25, 2026: 11.25% APROct 4, 2026: 6.25% APRSep 14, 2026Oct 13, 2026
  • Oct 4, 20266.25%▼ from 11.25%
  • Sep 25, 202611.25%▲ from 6.25%
  • Sep 14, 20266.25%first recorded
Southeastern Arizona Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
1600 N Pan American Ave, Douglas, AZ, 85607
New Vehicle Loan
6.25%
Up to 60 months
View
▼
APR6.25%
TermUp to 60 months
Last UpdatedOct 12, 2026
Details

As Low As; New Vehicle 2021 and Newer, 10,000 miles or less

Rate History
No change since Oct 12, 2026 · 6.25% APR
5.75%6.25%6.75%Oct 12, 2026: 6.25% APROct 12, 2026Oct 13, 2026
Blue Water Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
4801 E Thistle Landing Dr, Phoenix, AZ, 85044 6459
Vehicle Loans - 2017 Vehicles/Motorcycles
6.25%
Up to 36 Months
View
▼
APR6.25%
TermUp to 36 Months
Last UpdatedOct 13, 2026
Details

APR Type: Fixed; Effective Date: 10/12/2026

Rate History
No change since Oct 13, 2026 · 6.25% APR
5.75%6.25%6.75%Oct 13, 2026: 6.25% APROct 13, 2026Oct 13, 2026
Blue Water Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
4801 E Thistle Landing Dr, Phoenix, AZ, 85044 6459
Vehicle Loans - 2019-2018 Vehicles/Motorcycles
6.25%
Up to 48 Months
View
▼
APR6.25%
TermUp to 48 Months
Last UpdatedOct 13, 2026
Details

APR Type: Fixed; Effective Date: 10/12/2026

Rate History
No change since Oct 13, 2026 · 6.25% APR
5.75%6.25%6.75%Oct 13, 2026: 6.25% APROct 13, 2026Oct 13, 2026
Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.68%
402 E Monroe Ave, Buckeye, AZ, 85326
Used car purchase Loan
6.29%
60 months
View
▼
APR6.29%
Term60 months
Last UpdatedOct 7, 2026
Details

Rate History
3 changes since Sep 14, 2026 · 5.99% → 6.29% ▲ 0.30 pts · high 6.29% / low 5.99%
5.49%6.14%6.79%Sep 14, 2026: 5.99% APRSep 18, 2026: 6.09% APRSep 27, 2026: 6.19% APROct 2, 2026: 6.29% APRSep 14, 2026Oct 13, 2026
  • Oct 2, 20266.29%▲ from 6.19%
  • Sep 27, 20266.19%▲ from 6.09%
  • Sep 18, 20266.09%▲ from 5.99%
  • Sep 14, 20265.99%first recorded
Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.68%
402 E Monroe Ave, Buckeye, AZ, 85326
Used car rate Loan
6.29%
60 months
View
▼
APR6.29%
Term60 months
Last UpdatedOct 7, 2026
Details

For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term. Purchase of a used 2022 year car would have a 6.29% APR for 60 months, monthly payment of $584.04 for $30,000 financing, down payment of $0

Rate History
3 changes since Sep 14, 2026 · 5.99% → 6.29% ▲ 0.30 pts · high 6.29% / low 5.99%
5.49%6.14%6.79%Sep 14, 2026: 5.99% APRSep 18, 2026: 6.09% APRSep 27, 2026: 6.19% APROct 2, 2026: 6.29% APRSep 14, 2026Oct 13, 2026
  • Oct 2, 20266.29%▲ from 6.19%
  • Sep 27, 20266.19%▲ from 6.09%
  • Sep 18, 20266.09%▲ from 5.99%
  • Sep 14, 20265.99%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
1683 S Arizona Ave, Yuma, AZ, 85364
Used Business Vehicle Loan
6.29%
37-60 months
View
▼
APR6.29%
Term37-60 months
Last UpdatedOct 10, 2026
Details

As low as

Rate History
No change since Sep 30, 2026 · 6.29% APR · checked 4 times
5.79%6.29%6.79%Sep 30, 2026: 6.29% APRSep 30, 2026Oct 13, 2026
BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
3001 East Cambelback Road, Phoenix, AZ, 85016
New Auto Loan
6.34%
36 Months
View
▼
APR6.34%
Term36 Months
Last UpdatedOct 7, 2026
Details

As low as

Rate History
No change since Sep 15, 2026 · 6.34% APR · checked 7 times
5.84%6.34%6.84%Sep 15, 2026: 6.34% APRSep 15, 2026Oct 13, 2026
BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
3001 East Cambelback Road, Phoenix, AZ, 85016
Used Auto Loan
6.34%
36 Months
View
▼
APR6.34%
Term36 Months
Last UpdatedOct 7, 2026
Details

2016 - 2026

Rate History
No change since Sep 18, 2026 · 6.34% APR · checked 6 times
5.84%6.34%6.84%Sep 18, 2026: 6.34% APRSep 18, 2026Oct 13, 2026
Arizona Central Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.52%
2020 N CENTRAL AVE STE 100, PHOENIX, AZ, 85004
New Auto Loan (2022 and newer)
6.35%
Up to 75 months
View
▼
APR6.35%
TermUp to 75 months
Last UpdatedOct 13, 2026
Details

As Low As; Model year: 2022 and newer; Maximum loan term: 75 months

Rate History
No change since Oct 13, 2026 · 6.35% APR
5.85%6.35%6.85%Oct 13, 2026: 6.35% APROct 13, 2026Oct 13, 2026
SunWest Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.68%
5323 N 99th Ave Ste 220, Glendale, AZ, 85305 2224
Auto Loan - Used
6.37%
36 months
View
▼
APR6.37%
Term36 months
Last UpdatedOct 12, 2026
Details

As Low As; Model Year: 2024 + older Used

Rate History
No change since Oct 12, 2026 · 6.37% APR
5.87%6.37%6.87%Oct 12, 2026: 6.37% APROct 12, 2026Oct 13, 2026
SunWest Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.68%
5323 N 99th Ave Ste 220, Glendale, AZ, 85305 2224
Auto Loan - Used
6.37%
48 months
View
▼
APR6.37%
Term48 months
Last UpdatedOct 12, 2026
Details

As Low As; Model Year: 2024 + older Used

Rate History
No change since Oct 12, 2026 · 6.37% APR
5.87%6.37%6.87%Oct 12, 2026: 6.37% APROct 12, 2026Oct 13, 2026
SunWest Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.68%
5323 N 99th Ave Ste 220, Glendale, AZ, 85305 2224
Auto Loan - Used
6.37%
60 months
View
▼
APR6.37%
Term60 months
Last UpdatedOct 12, 2026
Details

As Low As; Model Year: 2024 + older Used

Rate History
No change since Oct 12, 2026 · 6.37% APR
5.87%6.37%6.87%Oct 12, 2026: 6.37% APROct 12, 2026Oct 13, 2026
BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
3001 East Cambelback Road, Phoenix, AZ, 85016
New Auto Loan
6.39%
48 Months
View
▼
APR6.39%
Term48 Months
Last UpdatedOct 7, 2026
Details

As low as

Rate History
No change since Sep 15, 2026 · 6.39% APR · checked 7 times
5.89%6.39%6.89%Sep 15, 2026: 6.39% APRSep 15, 2026Oct 13, 2026
BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
3001 East Cambelback Road, Phoenix, AZ, 85016
Used Auto Loan
6.39%
48 Months
View
▼
APR6.39%
Term48 Months
Last UpdatedOct 7, 2026
Details

2018 - 2026

Rate History
No change since Sep 18, 2026 · 6.39% APR · checked 6 times
5.89%6.39%6.89%Sep 18, 2026: 6.39% APRSep 18, 2026Oct 13, 2026
First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.39%
475 N Gila Springs Blvd, Chandler, AZ, 85226
New Vehicle Loan (2025+)
6.39%
76-84 months
View
▼
APR6.39%
Term76-84 months
Last UpdatedOct 10, 2026
Details

lowest available

Rate History
No change since Oct 10, 2026 · 6.39% APR
5.89%6.39%6.89%Oct 10, 2026: 6.39% APROct 10, 2026Oct 13, 2026
Landings Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.83%
2800 S Mill Ave, Tempe, AZ, 85282
New Vehicles 2025 & Newer Loan
6.39%
90 months
View
▼
APR6.39%
Term90 months
Last UpdatedOct 13, 2026
Details

As Low As; Fixed Rates; Vehicle loan

Rate History
1 change since Sep 14, 2026 · 5.99% → 6.39% ▲ 0.40 pts · high 6.39% / low 5.99%
5.49%6.19%6.89%Sep 14, 2026: 5.99% APRSep 29, 2026: 6.39% APRSep 14, 2026Oct 13, 2026
  • Sep 29, 20266.39%▲ from 5.99%
  • Sep 14, 20265.99%first recorded
Landings Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.83%
2800 S Mill Ave, Tempe, AZ, 85282
Used Vehicles 2016-2020 Loan
6.39%
75 months
View
▼
APR6.39%
Term75 months
Last UpdatedOct 13, 2026
Details

As Low As; Fixed Rates

Rate History
1 change since Sep 14, 2026 · 5.99% → 6.39% ▲ 0.40 pts · high 6.39% / low 5.99%
5.49%6.19%6.89%Sep 14, 2026: 5.99% APRSep 29, 2026: 6.39% APRSep 14, 2026Oct 13, 2026
  • Sep 29, 20266.39%▲ from 5.99%
  • Sep 14, 20265.99%first recorded
Landings Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.83%
2800 S Mill Ave, Tempe, AZ, 85282
Used Vehicles 2021 to 2024 Loan
6.39%
84 months
View
▼
APR6.39%
Term84 months
Last UpdatedOct 13, 2026
Details

As Low As; Fixed Rates; APR (as low as)

Rate History
1 change since Sep 14, 2026 · 5.99% → 6.39% ▲ 0.40 pts · high 6.39% / low 5.99%
5.49%6.19%6.89%Sep 14, 2026: 5.99% APRSep 29, 2026: 6.39% APRSep 14, 2026Oct 13, 2026
  • Sep 29, 20266.39%▲ from 5.99%
  • Sep 14, 20265.99%first recorded
BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
3001 East Cambelback Road, Phoenix, AZ, 85016
New Auto Loan
6.44%
60 Months
View
▼
APR6.44%
Term60 Months
Last UpdatedOct 7, 2026
Details

As low as

Rate History
No change since Sep 15, 2026 · 6.44% APR · checked 7 times
5.94%6.44%6.94%Sep 15, 2026: 6.44% APRSep 15, 2026Oct 13, 2026
BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
3001 East Cambelback Road, Phoenix, AZ, 85016
Used Auto Loan
6.44%
60 Months
View
▼
APR6.44%
Term60 Months
Last UpdatedOct 7, 2026
Details

2022 - 2026

Rate History
No change since Sep 18, 2026 · 6.44% APR · checked 6 times
5.94%6.44%6.94%Sep 18, 2026: 6.44% APRSep 18, 2026Oct 13, 2026
Sharefax Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.78%
615 N 48th St, Phoenix, AZ, 85008 6608
Vehicle Loans (7/31/2026)MODEL YEAR 2020-2022 Up to 63 Months
6.49%
Up to 63 Months
View
▼
APR6.49%
TermUp to 63 Months
Last UpdatedOct 9, 2026
Details

As Low As

Rate History
No change since Oct 9, 2026 · 6.49% APR
5.99%6.49%6.99%Oct 9, 2026: 6.49% APROct 9, 2026Oct 13, 2026
Coconino Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.38%
2800 S Woodlands Village Blvd, Flagstaff, AZ, 86001
Vehicles - New & Used Loan
6.49%
61 - 72 Months
View
▼
APR6.49%
Term61 - 72 Months
Last UpdatedOct 12, 2026
Details

Published APR range: 6.49% - 17.99%. Model Year: 2020 - 2023; Effective Date: Monday, October 12th, 2026

Rate History
No change since Oct 8, 2026 · 6.49% APR · checked 2 times
5.99%6.49%6.99%Oct 8, 2026: 6.49% APROct 8, 2026Oct 13, 2026
Southeastern Arizona Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
1600 N Pan American Ave, Douglas, AZ, 85607
New Vehicle Loan
6.50%
Up to 72 months
View
▼
APR6.50%
TermUp to 72 months
Last UpdatedOct 12, 2026
Details

As Low As; New Vehicle 2021 and Newer, 10,000 miles or less; Amount: Up to $25,000

Rate History
No change since Oct 12, 2026 · 6.50% APR
6.00%6.50%7.00%Oct 12, 2026: 6.50% APROct 12, 2026Oct 13, 2026
Southeastern Arizona Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
1600 N Pan American Ave, Douglas, AZ, 85607
Used Vehicle 2012 and Newer Loan
6.50%
Up to 60 months
View
▼
APR6.50%
TermUp to 60 months
Last UpdatedOct 12, 2026
Details

As Low As; Max term: Up to 60 months

Rate History
No change since Oct 12, 2026 · 6.50% APR
6.00%6.50%7.00%Oct 12, 2026: 6.50% APROct 12, 2026Oct 13, 2026
Arizona Central Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.52%
2020 N CENTRAL AVE STE 100, PHOENIX, AZ, 85004
Used Auto Loan (2018 to 2021)
6.50%
75 months
View
▼
APR6.50%
Term75 months
Last UpdatedOct 13, 2026
Details

As Low As; Used auto loan, model years 2018 to 2021

Rate History
No change since Oct 13, 2026 · 6.50% APR
6.00%6.50%7.00%Oct 13, 2026: 6.50% APROct 13, 2026Oct 13, 2026
BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
3001 East Cambelback Road, Phoenix, AZ, 85016
New Auto Loan
6.54%
72 Months
View
▼
APR6.54%
Term72 Months
Last UpdatedOct 7, 2026
Details

As low as

Rate History
No change since Sep 15, 2026 · 6.54% APR · checked 7 times
6.04%6.54%7.04%Sep 15, 2026: 6.54% APRSep 15, 2026Oct 13, 2026
BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
3001 East Cambelback Road, Phoenix, AZ, 85016
Used Auto Loan
6.54%
72 Months
View
▼
APR6.54%
Term72 Months
Last UpdatedOct 7, 2026
Details

2023 - 2026

Rate History
No change since Sep 18, 2026 · 6.54% APR · checked 6 times
6.04%6.54%7.04%Sep 18, 2026: 6.54% APRSep 18, 2026Oct 13, 2026
SunWest Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.68%
5323 N 99th Ave Ste 220, Glendale, AZ, 85305 2224
Auto Loan - New + Used
6.59%
72 months
View
▼
APR6.59%
Term72 months
Last UpdatedOct 12, 2026
Details

As Low As; Model Year: 2025 + newer New + used

Rate History
No change since Oct 12, 2026 · 6.59% APR
6.09%6.59%7.09%Oct 12, 2026: 6.59% APROct 12, 2026Oct 13, 2026
Landings Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.83%
2800 S Mill Ave, Tempe, AZ, 85282
Used Vehicles (2015 & Older, Higher Mileage & Classic Vehicles) Loan
6.64%
63 months
View
▼
APR6.64%
Term63 months
Last UpdatedOct 13, 2026
Details

As Low As; Fixed Rate; Rates as of September 23, 2026

Rate History
1 change since Sep 14, 2026 · 6.24% → 6.64% ▲ 0.40 pts · high 6.64% / low 6.24%
5.74%6.44%7.14%Sep 14, 2026: 6.24% APRSep 29, 2026: 6.64% APRSep 14, 2026Oct 13, 2026
  • Sep 29, 20266.64%▲ from 6.24%
  • Sep 14, 20266.24%first recorded
Winslow Santa Fe Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
1021 N Williamson Ave, Winslow, AZ, 86047 3738
Used Cars (2024 and older) Loan
6.69%
66 months
View
▼
APR6.69%
Term66 months
Last UpdatedOct 13, 2026
Details

Over $20,000; interest rates based on approved credit on scores 675-750

Rate History
No change since Sep 14, 2026 · 6.69% APR · checked 6 times
6.19%6.69%7.19%Sep 14, 2026: 6.69% APRSep 14, 2026Oct 13, 2026
Sharefax Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.78%
615 N 48th St, Phoenix, AZ, 85008 6608
Vehicle Loans (7/31/2026)MODEL YEAR 2023 & NEWER Up to 84 Months
6.74%
Up to 84 Months
View
▼
APR6.74%
TermUp to 84 Months
Last UpdatedOct 9, 2026
Details

As Low As

Rate History
No change since Oct 9, 2026 · 6.74% APR
6.24%6.74%7.24%Oct 9, 2026: 6.74% APROct 9, 2026Oct 13, 2026
Winslow Santa Fe Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
1021 N Williamson Ave, Winslow, AZ, 86047 3738
New Cars (2025 to 2026) Loan
6.74%
84 months
View
▼
APR6.74%
Term84 months
Last UpdatedOct 13, 2026
Details

Over $25,000; interest rates based on approved credit on scores 675-750

Rate History
No change since Sep 14, 2026 · 6.74% APR · checked 6 times
6.24%6.74%7.24%Sep 14, 2026: 6.74% APRSep 14, 2026Oct 13, 2026
Marisol Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.21%
1515 W Roosevelt St, Phoenix, AZ, 85007 2034
Vehicles - Model Years 2025 and Newer
6.75%
49 - 64 Months
View
▼
APR6.75%
Interest Rate6.75%
Term49 - 64 Months
Last UpdatedOct 12, 2026
Details

Credit Score: 725+

Rate History
No change since Sep 14, 2026 · 6.75% APR · checked 8 times
6.25%6.75%7.25%Sep 14, 2026: 6.75% APRSep 14, 2026Oct 13, 2026
Southeastern Arizona Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
1600 N Pan American Ave, Douglas, AZ, 85607
New Vehicle Loan
6.75%
Up to 84 months
View
▼
APR6.75%
TermUp to 84 months
Last UpdatedOct 12, 2026
Details

As Low As; New Vehicle 2021 and Newer, 10,000 miles or less; Amount: Greater than $30,000

Rate History
No change since Oct 12, 2026 · 6.75% APR
6.25%6.75%7.25%Oct 12, 2026: 6.75% APROct 12, 2026Oct 13, 2026
Southeastern Arizona Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
1600 N Pan American Ave, Douglas, AZ, 85607
Used Vehicle 2012 and Newer Loan
6.75%
Up to 72 months
View
▼
APR6.75%
TermUp to 72 months
Last UpdatedOct 12, 2026
Details

As Low As; Amount: Up to $25,000; Max term: Up to 72 months

Rate History
No change since Oct 12, 2026 · 6.75% APR
6.25%6.75%7.25%Oct 12, 2026: 6.75% APROct 12, 2026Oct 13, 2026
Arizona Central Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.52%
2020 N CENTRAL AVE STE 100, PHOENIX, AZ, 85004
New Auto Loan (2022 and newer)
6.75%
Up to 84 months
View
▼
APR6.75%
TermUp to 84 months
Last UpdatedOct 13, 2026
Details

As Low As; Model year: 2022 and newer; Maximum loan term: 84 months

Rate History
No change since Oct 13, 2026 · 6.75% APR
6.25%6.75%7.25%Oct 13, 2026: 6.75% APROct 13, 2026Oct 13, 2026
SunWest Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.68%
5323 N 99th Ave Ste 220, Glendale, AZ, 85305 2224
Auto Loan - Used
6.89%
72 months
View
▼
APR6.89%
Term72 months
Last UpdatedOct 12, 2026
Details

As Low As; Model Year: 2024 + older Used

Rate History
No change since Oct 12, 2026 · 6.89% APR
6.39%6.89%7.39%Oct 12, 2026: 6.89% APROct 12, 2026Oct 13, 2026
Landings Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.83%
2800 S Mill Ave, Tempe, AZ, 85282
Used Vehicles 2016-2020 Loan
6.89%
84 months
View
▼
APR6.89%
Term84 months
Last UpdatedOct 13, 2026
Details

As Low As; Fixed Rates

Rate History
1 change since Sep 14, 2026 · 6.49% → 6.89% ▲ 0.40 pts · high 6.89% / low 6.49%
5.99%6.69%7.39%Sep 14, 2026: 6.49% APRSep 29, 2026: 6.89% APRSep 14, 2026Oct 13, 2026
  • Sep 29, 20266.89%▲ from 6.49%
  • Sep 14, 20266.49%first recorded
Greenwich Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
240 N Roosevelt Ave, Chandler, AZ, 85226
New Cars - 84 Months Loan
6.90%
84 Months
View
▼
APR6.90%
Term84 Months
Last UpdatedOct 13, 2026
Details

New Car auto loan; APR; New Car 84 months financing for $30,000.00 sticker price or greater

Rate History
No change since Sep 14, 2026 · 6.90% APR · checked 3 times
6.40%6.90%7.40%Sep 14, 2026: 6.90% APRSep 14, 2026Oct 13, 2026
Greenwich Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
240 N Roosevelt Ave, Chandler, AZ, 85226
New Cars Loan
6.90%
84 Months
View
▼
APR6.90%
Term84 Months
Last UpdatedOct 13, 2026
Details

New Car 84 months financing for $30,000.00 sticker price or greater; Credit Union finances 100% of purchase price including tax, registration and extended warranty; Maximum car loan $75,000.00

Rate History
No change since Sep 17, 2026 · 6.90% APR · checked 8 times
6.40%6.90%7.40%Sep 17, 2026: 6.90% APRSep 17, 2026Oct 13, 2026

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: 2.87%
3800 E Sky Harbor Blvd Terminal 4, Phoenix, AZ, 85034
New Auto
3.34%
Up to 36 Months
View
▼
APR3.34%
TermUp to 36 Months
Last UpdatedOct 13, 2026
Details

As Low As; Auto & Recreational Loans

Rate History
No change since Sep 14, 2026 · 3.34% APR · checked 7 times
2.84%3.34%3.84%Sep 14, 2026: 3.34% APRSep 14, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
1683 S Arizona Ave, Yuma, AZ, 85364
New Auto Loan
3.89%
12-36 Months
View
▼
APR3.89%
Term12-36 Months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Sep 30, 2026 · 3.89% APR · checked 4 times
3.39%3.89%4.39%Sep 30, 2026: 3.89% APRSep 30, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
1683 S Arizona Ave, Yuma, AZ, 85364
New Vehicle Loan
3.89%
up to 36 months
View
▼
APR3.89%
Termup to 36 months
Last UpdatedOct 10, 2026
Details

As Low As; Rates subject to change.

Rate History
No change since Sep 30, 2026 · 3.89% APR · checked 4 times
3.39%3.89%4.39%Sep 30, 2026: 3.89% APRSep 30, 2026Oct 13, 2026
Southwest Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.25%
4645 E Cotton Center Blvd Ste 115, Phoenix, AZ, 85040
New Auto
3.94%
Up to 36 Months
View
▼
APR3.94%
TermUp to 36 Months
Last UpdatedOct 10, 2026
Details

Published APR range: 3.94% - 14.00%. 100% Financing**

Rate History
No change since Sep 24, 2026 · 3.94% APR · checked 5 times
3.44%3.94%4.44%Sep 24, 2026: 3.94% APRSep 24, 2026Oct 13, 2026
Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.64%
3699 Highway 95 Ste 200, Bullhead City, AZ, 86442
New & Used Autos
3.99%
36 Months
View
▼
APR3.99%
Term36 Months
Last UpdatedOct 10, 2026
Details

Published APR range: 3.99%-16.99%.

Rate History
No change since Sep 30, 2026 · 3.99% APR · checked 4 times
3.49%3.99%4.49%Sep 30, 2026: 3.99% APRSep 30, 2026Oct 13, 2026
Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.64%
3699 Highway 95 Ste 200, Bullhead City, AZ, 86442
New & Used Vehicles Loan
3.99%
36 Months
View
▼
APR3.99%
Term36 Months
Last UpdatedOct 10, 2026
Details

Published APR range: 3.99% - 16.99%.

Rate History
No change since Oct 10, 2026 · 3.99% APR
3.49%3.99%4.49%Oct 10, 2026: 3.99% APROct 10, 2026Oct 13, 2026
Florida West Coast Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.02%
4801 E THISTLE LANDING DR, PHOENIX, AZ, 85044
New Automobile (2025 & newer)
3.99%
up to 84 months
View
▼
APR3.99%
Termup to 84 months
Last UpdatedOct 13, 2026
Details

As Low As; Category: New & Used Automobiles

Rate History
No change since Oct 13, 2026 · 3.99% APR
3.49%3.99%4.49%Oct 13, 2026: 3.99% APROct 13, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
1683 S Arizona Ave, Yuma, AZ, 85364
New Business Vehicle Loan
4.09%
Up to 36 months
View
▼
APR4.09%
TermUp to 36 months
Last UpdatedOct 10, 2026
Details

As low as

Rate History
No change since Sep 30, 2026 · 4.09% APR · checked 4 times
3.59%4.09%4.59%Sep 30, 2026: 4.09% APRSep 30, 2026Oct 13, 2026
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.87%
3800 E Sky Harbor Blvd Terminal 4, Phoenix, AZ, 85034
New Auto
4.09%
Up to 60 months
View
▼
APR4.09%
TermUp to 60 months
Last UpdatedOct 13, 2026
Details

As Low As; Auto & Recreational Loans

Rate History
No change since Sep 14, 2026 · 4.09% APR · checked 7 times
3.59%4.09%4.59%Sep 14, 2026: 4.09% APRSep 14, 2026Oct 13, 2026
Southwest Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.25%
4645 E Cotton Center Blvd Ste 115, Phoenix, AZ, 85040
New Auto
4.19%
48 Months
View
▼
APR4.19%
Term48 Months
Last UpdatedOct 10, 2026
Details

Published APR range: 4.19% - 15.00%.

Rate History
No change since Sep 24, 2026 · 4.19% APR · checked 5 times
3.69%4.19%4.69%Sep 24, 2026: 4.19% APRSep 24, 2026Oct 13, 2026
San Diego Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.33%
4801 E Thistle Landing Dr, Phoenix, AZ, 85044 6459
Auto Loan - Model Years 2021 and Newer
4.19%
up to 24 Months
View
▼
APR4.19%
Termup to 24 Months
Last UpdatedOct 13, 2026
Details

As Low As; Up to 120% financing

Rate History
No change since Oct 13, 2026 · 4.19% APR
3.69%4.19%4.69%Oct 13, 2026: 4.19% APROct 13, 2026Oct 13, 2026
San Diego Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.33%
4801 E Thistle Landing Dr, Phoenix, AZ, 85044 6459
Auto Loan - Model Years 2021 and Newer
4.19%
up to 36 Months
View
▼
APR4.19%
Termup to 36 Months
Last UpdatedOct 13, 2026
Details

As Low As; Up to 120% financing

Rate History
No change since Oct 13, 2026 · 4.19% APR
3.69%4.19%4.69%Oct 13, 2026: 4.19% APROct 13, 2026Oct 13, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.22%
1575 S Price Road, Chandler, AZ, 85286
New Auto - FIXED
4.24%
3 Years
View
▼
APR4.24%
Term3 Years
Last UpdatedOct 13, 2026
Details

Tier 1 credit; includes automatic payment discount from NGFCU checking or savings account

Rate History
No change since Oct 13, 2026 · 4.24% APR
3.74%4.24%4.74%Oct 13, 2026: 4.24% APROct 13, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
1683 S Arizona Ave, Yuma, AZ, 85364
New Auto Loan
4.29%
37-60 Months
View
▼
APR4.29%
Term37-60 Months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Sep 30, 2026 · 4.29% APR · checked 4 times
3.79%4.29%4.79%Sep 30, 2026: 4.29% APRSep 30, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
1683 S Arizona Ave, Yuma, AZ, 85364
New Vehicle Loan
4.29%
37-60 months
View
▼
APR4.29%
Term37-60 months
Last UpdatedOct 10, 2026
Details

As Low As; Rates subject to change.

Rate History
No change since Sep 30, 2026 · 4.29% APR · checked 4 times
3.79%4.29%4.79%Sep 30, 2026: 4.29% APRSep 30, 2026Oct 13, 2026
Sierra Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.95%
1600 E Northern Ave, Phoenix, AZ, 85020 3933
New and Used Auto Loan
4.34%
48 Months
View
▼
APR4.34%
Term48 Months
Last UpdatedOct 12, 2026
Details

As Low As; Rates apply to 2019 or newer models if conditions are met.

Rate History
No change since Sep 25, 2026 · 4.34% APR · checked 4 times
3.84%4.34%4.84%Sep 25, 2026: 4.34% APRSep 25, 2026Oct 13, 2026
San Diego Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.33%
4801 E Thistle Landing Dr, Phoenix, AZ, 85044 6459
Auto Loan - Model Years 2021 and Newer
4.39%
up to 48 Months
View
▼
APR4.39%
Termup to 48 Months
Last UpdatedOct 13, 2026
Details

As Low As; Up to 120% financing

Rate History
No change since Oct 13, 2026 · 4.39% APR
3.89%4.39%4.89%Oct 13, 2026: 4.39% APROct 13, 2026Oct 13, 2026
Southwest Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.25%
4645 E Cotton Center Blvd Ste 115, Phoenix, AZ, 85040
New Auto
4.44%
60 Months
View
▼
APR4.44%
Term60 Months
Last UpdatedOct 10, 2026
Details

Published APR range: 4.44% - 15.20%.

Rate History
No change since Sep 24, 2026 · 4.44% APR · checked 5 times
3.94%4.44%4.94%Sep 24, 2026: 4.44% APRSep 24, 2026Oct 13, 2026
Alero Financial Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.69%
8337 W Bell Rd Ste 102, Peoria, AZ, 85382 3798
New Auto Loan
4.49%
60 months
View
▼
APR4.49%
Term60 months
Last UpdatedOct 10, 2026
Details

As Low As; 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.

Rate History
No change since Sep 14, 2026 · 4.49% APR · checked 6 times
3.99%4.49%4.99%Sep 14, 2026: 4.49% APRSep 14, 2026Oct 13, 2026
Coconino Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.38%
2800 S Woodlands Village Blvd, Flagstaff, AZ, 86001
Vehicles - New & Used Loan
4.49%
0 - 35 Months
View
▼
APR4.49%
Term0 - 35 Months
Last UpdatedOct 12, 2026
Details

Published APR range: 4.49% - 16.99%. Model Year: 2024 & Newer; Effective Date: Monday, October 12th, 2026

Rate History
No change since Oct 8, 2026 · 4.49% APR · checked 2 times
3.99%4.49%4.99%Oct 8, 2026: 4.49% APROct 8, 2026Oct 13, 2026
San Diego Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.33%
4801 E Thistle Landing Dr, Phoenix, AZ, 85044 6459
Auto Loan - Model Years 2021 and Newer
4.49%
up to 60 Months
View
▼
APR4.49%
Termup to 60 Months
Last UpdatedOct 13, 2026
Details

As Low As; Up to 120% financing

Rate History
No change since Oct 13, 2026 · 4.49% APR
3.99%4.49%4.99%Oct 13, 2026: 4.49% APROct 13, 2026Oct 13, 2026
Florida West Coast Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.02%
4801 E THISTLE LANDING DR, PHOENIX, AZ, 85044
Used Automobile (2017 & newer)
4.49%
up to 72 months
View
▼
APR4.49%
Termup to 72 months
Last UpdatedOct 13, 2026
Details

As Low As; Category: New & Used Automobiles

Rate History
No change since Oct 13, 2026 · 4.49% APR
3.99%4.49%4.99%Oct 13, 2026: 4.49% APROct 13, 2026Oct 13, 2026
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.52%
1550 E Meadowbrook Ave Ste B, Phoenix, AZ, 85014 4040
New Autos, SUVs, Trucks, Vans
4.50%
3-7 year term
View
▼
APR4.50%
Term3-7 year term
Last UpdatedOct 12, 2026
Details

As Low As; Final rate based on credit worthiness and term of the loan.

Rate History
1 change since Sep 14, 2026 · 4.59% → 4.50% ▼ 0.09 pts · high 4.59% / low 4.50%
4.00%4.55%5.09%Sep 14, 2026: 4.59% APRSep 25, 2026: 4.50% APRSep 14, 2026Oct 13, 2026
  • Sep 25, 20264.50%▼ from 4.59%
  • Sep 14, 20264.59%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
1683 S Arizona Ave, Yuma, AZ, 85364
New Auto Loan
4.59%
61-72 Months
View
▼
APR4.59%
Term61-72 Months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Sep 30, 2026 · 4.59% APR · checked 4 times
4.09%4.59%5.09%Sep 30, 2026: 4.59% APRSep 30, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
1683 S Arizona Ave, Yuma, AZ, 85364
New Vehicle Loan
4.59%
61-72 months
View
▼
APR4.59%
Term61-72 months
Last UpdatedOct 10, 2026
Details

As Low As; Rates subject to change.

Rate History
No change since Sep 30, 2026 · 4.59% APR · checked 4 times
4.09%4.59%5.09%Sep 30, 2026: 4.59% APRSep 30, 2026Oct 13, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.22%
1575 S Price Road, Chandler, AZ, 85286
New Auto - FIXED
4.59%
4 Years
View
▼
APR4.59%
Term4 Years
Last UpdatedOct 13, 2026
Details

Tier 1 credit; includes automatic payment discount from NGFCU checking or savings account

Rate History
No change since Oct 13, 2026 · 4.59% APR
4.09%4.59%5.09%Oct 13, 2026: 4.59% APROct 13, 2026Oct 13, 2026
Southwest Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.25%
4645 E Cotton Center Blvd Ste 115, Phoenix, AZ, 85040
New Auto
4.69%
72 Months
View
▼
APR4.69%
Term72 Months
Last UpdatedOct 10, 2026
Details

Published APR range: 4.69% - 15.65%.

Rate History
No change since Sep 24, 2026 · 4.69% APR · checked 5 times
4.19%4.69%5.19%Sep 24, 2026: 4.69% APRSep 24, 2026Oct 13, 2026
Sierra Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.95%
1600 E Northern Ave, Phoenix, AZ, 85020 3933
New and Used Auto Loan
4.74%
60 Months
View
▼
APR4.74%
Term60 Months
Last UpdatedOct 12, 2026
Details

As Low As; Rates apply to 2019 or newer models if conditions are met.

Rate History
No change since Sep 25, 2026 · 4.74% APR · checked 4 times
4.24%4.74%5.24%Sep 25, 2026: 4.74% APRSep 25, 2026Oct 13, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.22%
1575 S Price Road, Chandler, AZ, 85286
New Auto - FIXED
4.74%
5 Years
View
▼
APR4.74%
Term5 Years
Last UpdatedOct 13, 2026
Details

Minimum loan $10,001 on terms of more than 48 months; Tier 1 credit; includes automatic payment discount from NGFCU checking or savings account

Rate History
No change since Oct 13, 2026 · 4.74% APR
4.24%4.74%5.24%Oct 13, 2026: 4.74% APROct 13, 2026Oct 13, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.22%
1575 S Price Road, Chandler, AZ, 85286
New Auto - FIXED
4.84%
6 Years
View
▼
APR4.84%
Term6 Years
Last UpdatedOct 13, 2026
Details

Minimum loan $10,001 on terms of more than 48 months; Tier 1 credit; includes automatic payment discount from NGFCU checking or savings account

Rate History
No change since Oct 13, 2026 · 4.84% APR
4.34%4.84%5.34%Oct 13, 2026: 4.84% APROct 13, 2026Oct 13, 2026
San Diego Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.33%
4801 E Thistle Landing Dr, Phoenix, AZ, 85044 6459
Auto Loan - Model Years 2021 and Newer
4.89%
up to 72 Months
View
▼
APR4.89%
Termup to 72 Months
Last UpdatedOct 13, 2026
Details

As Low As; Up to 120% financing

Rate History
No change since Oct 13, 2026 · 4.89% APR
4.39%4.89%5.39%Oct 13, 2026: 4.89% APROct 13, 2026Oct 13, 2026
Greenwich Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
240 N Roosevelt Ave, Chandler, AZ, 85226
New Cars - 36 Months Loan
4.90%
36 Months
View
▼
APR4.90%
Term36 Months
Last UpdatedOct 13, 2026
Details

New Car auto loan; APR

Rate History
No change since Sep 14, 2026 · 4.90% APR · checked 3 times
4.40%4.90%5.40%Sep 14, 2026: 4.90% APRSep 14, 2026Oct 13, 2026
Greenwich Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
240 N Roosevelt Ave, Chandler, AZ, 85226
New Cars - 48 Months Loan
4.90%
48 Months
View
▼
APR4.90%
Term48 Months
Last UpdatedOct 13, 2026
Details

New Car auto loan; APR

Rate History
No change since Sep 14, 2026 · 4.90% APR · checked 3 times
4.40%4.90%5.40%Sep 14, 2026: 4.90% APRSep 14, 2026Oct 13, 2026
Greenwich Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
240 N Roosevelt Ave, Chandler, AZ, 85226
New Cars - 60 Months Loan
4.90%
60 Months
View
▼
APR4.90%
Term60 Months
Last UpdatedOct 13, 2026
Details

New Car auto loan; APR

Rate History
No change since Sep 14, 2026 · 4.90% APR · checked 3 times
4.40%4.90%5.40%Sep 14, 2026: 4.90% APRSep 14, 2026Oct 13, 2026
Greenwich Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
240 N Roosevelt Ave, Chandler, AZ, 85226
New Cars Loan
4.90%
36 Months
View
▼
APR4.90%
Term36 Months
Last UpdatedOct 13, 2026
Details

Credit Union finances 100% of purchase price including tax, registration and extended warranty; Maximum car loan $75,000.00

Rate History
No change since Sep 17, 2026 · 4.90% APR · checked 8 times
4.40%4.90%5.40%Sep 17, 2026: 4.90% APRSep 17, 2026Oct 13, 2026
Greenwich Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
240 N Roosevelt Ave, Chandler, AZ, 85226
New Cars Loan
4.90%
48 Months
View
▼
APR4.90%
Term48 Months
Last UpdatedOct 13, 2026
Details

Credit Union finances 100% of purchase price including tax, registration and extended warranty; Maximum car loan $75,000.00

Rate History
No change since Sep 17, 2026 · 4.90% APR · checked 8 times
4.40%4.90%5.40%Sep 17, 2026: 4.90% APRSep 17, 2026Oct 13, 2026
Greenwich Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
240 N Roosevelt Ave, Chandler, AZ, 85226
New Cars Loan
4.90%
60 Months
View
▼
APR4.90%
Term60 Months
Last UpdatedOct 13, 2026
Details

Credit Union finances 100% of purchase price including tax, registration and extended warranty; Maximum car loan $75,000.00

Rate History
No change since Sep 17, 2026 · 4.90% APR · checked 8 times
4.40%4.90%5.40%Sep 17, 2026: 4.90% APRSep 17, 2026Oct 13, 2026
Alhambra Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.43%
13331 W Indian School Rd Ste 205, Litchfield Park, AZ, 85340
New Vehicle Loan
4.99%
60 Months
View
▼
APR4.99%
Term60 Months
Last UpdatedOct 9, 2026
Details

Published APR range: 4.99% - 17.65%. As low as

Rate History
No change since Sep 14, 2026 · 4.99% APR · checked 7 times
4.49%4.99%5.49%Sep 14, 2026: 4.99% APRSep 14, 2026Oct 13, 2026
Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.64%
3699 Highway 95 Ste 200, Bullhead City, AZ, 86442
New & Used Autos
4.99%
48 to 60 Months
View
▼
APR4.99%
Term48 to 60 Months
Last UpdatedOct 10, 2026
Details

Published APR range: 4.99%-16.99%.

Rate History
No change since Sep 30, 2026 · 4.99% APR · checked 4 times
4.49%4.99%5.49%Sep 30, 2026: 4.99% APRSep 30, 2026Oct 13, 2026
Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.64%
3699 Highway 95 Ste 200, Bullhead City, AZ, 86442
New & Used Vehicles Loan
4.99%
48 to 60 Months
View
▼
APR4.99%
Term48 to 60 Months
Last UpdatedOct 10, 2026
Details

Published APR range: 4.99% - 16.99%.

Rate History
No change since Oct 10, 2026 · 4.99% APR
4.49%4.99%5.49%Oct 10, 2026: 4.99% APROct 10, 2026Oct 13, 2026
Coconino Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.38%
2800 S Woodlands Village Blvd, Flagstaff, AZ, 86001
Vehicles - New & Used Loan
4.99%
36 - 60 Months
View
▼
APR4.99%
Term36 - 60 Months
Last UpdatedOct 12, 2026
Details

Published APR range: 4.99% - 17.24%. Model Year: 2024 & Newer; Effective Date: Monday, October 12th, 2026

Rate History
No change since Oct 8, 2026 · 4.99% APR · checked 2 times
4.49%4.99%5.49%Oct 8, 2026: 4.99% APROct 8, 2026Oct 13, 2026
Blue Water Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
4801 E Thistle Landing Dr, Phoenix, AZ, 85044 6459
Vehicle Loans - 2025 & Newer Vehicles/Motorcycles
4.99%
Up to 36 Months
View
▼
APR4.99%
TermUp to 36 Months
Last UpdatedOct 13, 2026
Details

APR Type: Fixed; Effective Date: 10/12/2026

Rate History
No change since Oct 13, 2026 · 4.99% APR
4.49%4.99%5.49%Oct 13, 2026: 4.99% APROct 13, 2026Oct 13, 2026
Blue Water Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
4801 E Thistle Landing Dr, Phoenix, AZ, 85044 6459
Vehicle Loans - 2025 & Newer Vehicles/Motorcycles
4.99%
Up to 48 Months
View
▼
APR4.99%
TermUp to 48 Months
Last UpdatedOct 13, 2026
Details

APR Type: Fixed; Effective Date: 10/12/2026

Rate History
No change since Oct 13, 2026 · 4.99% APR
4.49%4.99%5.49%Oct 13, 2026: 4.99% APROct 13, 2026Oct 13, 2026
Blue Water Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
4801 E Thistle Landing Dr, Phoenix, AZ, 85044 6459
Vehicle Loans - 2025 & Newer Vehicles/Motorcycles
4.99%
Up to 60 Months
View
▼
APR4.99%
TermUp to 60 Months
Last UpdatedOct 13, 2026
Details

APR Type: Fixed; Effective Date: 10/12/2026

Rate History
No change since Oct 13, 2026 · 4.99% APR
4.49%4.99%5.49%Oct 13, 2026: 4.99% APROct 13, 2026Oct 13, 2026
Blue Water Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
4801 E Thistle Landing Dr, Phoenix, AZ, 85044 6459
Vehicle Loans - 2025 & Newer Vehicles/Motorcycles
4.99%
Up to 72 Months
View
▼
APR4.99%
TermUp to 72 Months
Last UpdatedOct 13, 2026
Details

APR Type: Fixed; Effective Date: 10/12/2026

Rate History
No change since Oct 13, 2026 · 4.99% APR
4.49%4.99%5.49%Oct 13, 2026: 4.99% APROct 13, 2026Oct 13, 2026
Blue Water Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.63%
4801 E Thistle Landing Dr, Phoenix, AZ, 85044 6459
Vehicle Loans - 2025 & Newer Vehicles/Motorcycles
4.99%
Up to 84 Months
View
▼
APR4.99%
TermUp to 84 Months
Last UpdatedOct 13, 2026
Details

APR Type: Fixed; Effective Date: 10/12/2026

Rate History
No change since Oct 13, 2026 · 4.99% APR
4.49%4.99%5.49%Oct 13, 2026: 4.99% APROct 13, 2026Oct 13, 2026
San Diego Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.33%
4801 E Thistle Landing Dr, Phoenix, AZ, 85044 6459
Auto Loan - Model Years 2021 and Newer
4.99%
up to 84 Months
View
▼
APR4.99%
Termup to 84 Months
Last UpdatedOct 13, 2026
Details

As Low As; Up to 120% financing

Rate History
No change since Oct 13, 2026 · 4.99% APR
4.49%4.99%5.49%Oct 13, 2026: 4.99% APROct 13, 2026Oct 13, 2026
Prescott Federal Credit Union
Institution Rating:
B+4.1 ★ Texas Ratio: 2.84%
500 N State Route 89, Prescott, AZ, 86313 5001
New Auto loans
5.10%
Up to 84 Months
View
▼
APR5.10%
TermUp to 84 Months
Last UpdatedOct 12, 2026
Details

New Auto loans (Min $20,000.00)

Rate History
No change since Sep 16, 2026 · 5.10% APR · checked 5 times
4.60%5.10%5.60%Sep 16, 2026: 5.10% APRSep 16, 2026Oct 13, 2026
First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.39%
475 N Gila Springs Blvd, Chandler, AZ, 85226
New Vehicle Loan (2025+)
5.24%
up to 63 months
View
▼
APR5.24%
Termup to 63 months
Last UpdatedOct 10, 2026
Details

lowest available

Rate History
No change since Oct 10, 2026 · 5.24% APR
4.74%5.24%5.74%Oct 10, 2026: 5.24% APROct 10, 2026Oct 13, 2026
Coconino Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.38%
2800 S Woodlands Village Blvd, Flagstaff, AZ, 86001
Vehicles - New & Used Loan
5.24%
0 - 35 Months
View
▼
APR5.24%
Term0 - 35 Months
Last UpdatedOct 12, 2026
Details

Published APR range: 5.24% - 17.74%. Model Year: 2020 - 2023; Effective Date: Monday, October 12th, 2026

Rate History
No change since Oct 8, 2026 · 5.24% APR · checked 2 times
4.74%5.24%5.74%Oct 8, 2026: 5.24% APROct 8, 2026Oct 13, 2026
Southeastern Arizona Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
1600 N Pan American Ave, Douglas, AZ, 85607
New Vehicle Loan
5.25%
Up to 48 months
View
▼
APR5.25%
TermUp to 48 months
Last UpdatedOct 12, 2026
Details

As Low As; New Vehicle 2021 and Newer, 10,000 miles or less

Rate History
No change since Oct 12, 2026 · 5.25% APR
4.75%5.25%5.75%Oct 12, 2026: 5.25% APROct 12, 2026Oct 13, 2026
Prescott Federal Credit Union
Institution Rating:
B+4.1 ★ Texas Ratio: 2.84%
500 N State Route 89, Prescott, AZ, 86313 5001
New Auto loans
5.35%
Up to 84 Months
View
▼
APR5.35%
TermUp to 84 Months
Last UpdatedOct 12, 2026
Details

New Auto loans

Rate History
No change since Sep 16, 2026 · 5.35% APR · checked 5 times
4.85%5.35%5.85%Sep 16, 2026: 5.35% APRSep 16, 2026Oct 13, 2026
Landings Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.83%
2800 S Mill Ave, Tempe, AZ, 85282
New Vehicles 2025 & Newer Loan
5.39%
63 months
View
▼
APR5.39%
Term63 months
Last UpdatedOct 13, 2026
Details

As Low As; Fixed Rates; Vehicle loan

Rate History
1 change since Sep 14, 2026 · 4.99% → 5.39% ▲ 0.40 pts · high 5.39% / low 4.99%
4.49%5.19%5.89%Sep 14, 2026: 4.99% APRSep 29, 2026: 5.39% APRSep 14, 2026Oct 13, 2026
  • Sep 29, 20265.39%▲ from 4.99%
  • Sep 14, 20264.99%first recorded
Sierra Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.95%
1600 E Northern Ave, Phoenix, AZ, 85020 3933
New and Used Auto Loan
5.44%
72 Months
View
▼
APR5.44%
Term72 Months
Last UpdatedOct 12, 2026
Details

As Low As; Rates apply to 2019 or newer models if conditions are met.

Rate History
No change since Sep 25, 2026 · 5.44% APR · checked 4 times
4.94%5.44%5.94%Sep 25, 2026: 5.44% APRSep 25, 2026Oct 13, 2026
Bank of America
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
1030 Willow Creek Rd, Prescott, AZ, 86301
New car (dealer) Loan
5.49%
60 months
View
▼
APR5.49%
Term60 months
Last UpdatedOct 7, 2026
Details

As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.

Rate History
1 change since Sep 18, 2026 · 5.39% → 5.49% ▲ 0.10 pts · high 5.49% / low 5.39%
4.89%5.44%5.99%Sep 18, 2026: 5.39% APRSep 27, 2026: 5.49% APRSep 18, 2026Oct 13, 2026
  • Sep 27, 20265.49%▲ from 5.39%
  • Sep 18, 20265.39%first recorded
Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.64%
3699 Highway 95 Ste 200, Bullhead City, AZ, 86442
New & Used Autos
5.49%
72 Months
View
▼
APR5.49%
Term72 Months
Last UpdatedOct 10, 2026
Details

Published APR range: 5.49%-16.99%.

Rate History
No change since Sep 30, 2026 · 5.49% APR · checked 4 times
4.99%5.49%5.99%Sep 30, 2026: 5.49% APRSep 30, 2026Oct 13, 2026
Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.64%
3699 Highway 95 Ste 200, Bullhead City, AZ, 86442
New & Used Vehicles Loan
5.49%
72 Months
View
▼
APR5.49%
Term72 Months
Last UpdatedOct 10, 2026
Details

Published APR range: 5.49% - 16.99%.

Rate History
No change since Oct 10, 2026 · 5.49% APR
4.99%5.49%5.99%Oct 10, 2026: 5.49% APROct 10, 2026Oct 13, 2026
Coconino Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.38%
2800 S Woodlands Village Blvd, Flagstaff, AZ, 86001
Vehicles - New & Used Loan
5.49%
61 - 72 Months
View
▼
APR5.49%
Term61 - 72 Months
Last UpdatedOct 12, 2026
Details

Published APR range: 5.49% - 17.74%. Model Year: 2024 & Newer; Effective Date: Monday, October 12th, 2026

Rate History
No change since Oct 8, 2026 · 5.49% APR · checked 2 times
4.99%5.49%5.99%Oct 8, 2026: 5.49% APROct 8, 2026Oct 13, 2026
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.22%
1575 S Price Road, Chandler, AZ, 85286
New Auto - FIXED
5.49%
7 Years
View
▼
APR5.49%
Term7 Years
Last UpdatedOct 13, 2026
Details

Minimum loan $10,001 on terms of more than 48 months; Tier 1 credit; includes automatic payment discount from NGFCU checking or savings account

Rate History
No change since Oct 13, 2026 · 5.49% APR
4.99%5.49%5.99%Oct 13, 2026: 5.49% APROct 13, 2026Oct 13, 2026
Alhambra Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.43%
13331 W Indian School Rd Ste 205, Litchfield Park, AZ, 85340
New Vehicle Loan
5.50%
72 Months
View
▼
APR5.50%
Term72 Months
Last UpdatedOct 9, 2026
Details

Published APR range: 5.50% - 18.15%. As low as

Rate History
No change since Sep 14, 2026 · 5.50% APR · checked 7 times
5.00%5.50%6.00%Sep 14, 2026: 5.50% APRSep 14, 2026Oct 13, 2026
Southeastern Arizona Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
1600 N Pan American Ave, Douglas, AZ, 85607
Used Vehicle 2012 and Newer Loan
5.50%
Up to 48 months
View
▼
APR5.50%
TermUp to 48 months
Last UpdatedOct 12, 2026
Details

As Low As; Max term: Up to 48 months

Rate History
No change since Oct 12, 2026 · 5.50% APR
5.00%5.50%6.00%Oct 12, 2026: 5.50% APROct 12, 2026Oct 13, 2026
Arizona Central Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.52%
2020 N CENTRAL AVE STE 100, PHOENIX, AZ, 85004
New Auto Loan (2022 and newer)
5.50%
Up to 48 months
View
▼
APR5.50%
TermUp to 48 months
Last UpdatedOct 13, 2026
Details

As Low As; Model year: 2022 and newer; Maximum loan term: 48 months

Rate History
No change since Oct 13, 2026 · 5.50% APR
5.00%5.50%6.00%Oct 13, 2026: 5.50% APROct 13, 2026Oct 13, 2026
Landings Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.83%
2800 S Mill Ave, Tempe, AZ, 85282
New Vehicles 2025 & Newer Loan
5.64%
75 months
View
▼
APR5.64%
Term75 months
Last UpdatedOct 13, 2026
Details

As Low As; Fixed Rates; Vehicle loan

Rate History
1 change since Sep 14, 2026 · 5.24% → 5.64% ▲ 0.40 pts · high 5.64% / low 5.24%
4.74%5.44%6.14%Sep 14, 2026: 5.24% APRSep 29, 2026: 5.64% APRSep 14, 2026Oct 13, 2026
  • Sep 29, 20265.64%▲ from 5.24%
  • Sep 14, 20265.24%first recorded
Arizona Central Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.52%
2020 N CENTRAL AVE STE 100, PHOENIX, AZ, 85004
New Auto Loan (2022 and newer)
5.70%
Up to 63 months
View
▼
APR5.70%
TermUp to 63 months
Last UpdatedOct 13, 2026
Details

As Low As; Model year: 2022 and newer; Maximum loan term: 63 months

Rate History
No change since Oct 13, 2026 · 5.70% APR
5.20%5.70%6.20%Oct 13, 2026: 5.70% APROct 13, 2026Oct 13, 2026
Pima Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
3730 N Stone Ave, tucson, AZ, 85705 3204
Vehicles - New & Used Loan
5.74%
7 - 60 months
View
▼
APR5.74%
Term7 - 60 months
Last UpdatedOct 12, 2026
Details

As Low As; APR*

Rate History
No change since Sep 12, 2026 · 5.74% APR · checked 8 times
5.24%5.74%6.24%Sep 12, 2026: 5.74% APRSep 12, 2026Oct 13, 2026
Winslow Santa Fe Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
1021 N Williamson Ave, Winslow, AZ, 86047 3738
New Cars (2025 to 2026) Loan
5.74%
36 months
View
▼
APR5.74%
Term36 months
Last UpdatedOct 13, 2026
Details

Interest rates based on approved credit on scores 675-750

Rate History
No change since Sep 18, 2026 · 5.74% APR · checked 5 times
5.24%5.74%6.24%Sep 18, 2026: 5.74% APRSep 18, 2026Oct 13, 2026
Winslow Santa Fe Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
1021 N Williamson Ave, Winslow, AZ, 86047 3738
New Cars (2025 to 2026) Loan
5.74%
48 months
View
▼
APR5.74%
Term48 months
Last UpdatedOct 13, 2026
Details

Interest rates based on approved credit on scores 675-750

Rate History
No change since Sep 18, 2026 · 5.74% APR · checked 5 times
5.24%5.74%6.24%Sep 18, 2026: 5.74% APRSep 18, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
1683 S Arizona Ave, Yuma, AZ, 85364
New Business Vehicle Loan
5.79%
37-60 months
View
▼
APR5.79%
Term37-60 months
Last UpdatedOct 10, 2026
Details

As low as

Rate History
No change since Sep 30, 2026 · 5.79% APR · checked 4 times
5.29%5.79%6.29%Sep 30, 2026: 5.79% APRSep 30, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
1683 S Arizona Ave, Yuma, AZ, 85364
New Business Vehicle Loan
5.79%
61-72 months
View
▼
APR5.79%
Term61-72 months
Last UpdatedOct 10, 2026
Details

As low as

Rate History
No change since Sep 30, 2026 · 5.79% APR · checked 4 times
5.29%5.79%6.29%Sep 30, 2026: 5.79% APRSep 30, 2026Oct 13, 2026
Greenwich Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
240 N Roosevelt Ave, Chandler, AZ, 85226
New Cars - 72 Months Loan
5.90%
72 Months
View
▼
APR5.90%
Term72 Months
Last UpdatedOct 13, 2026
Details

New Car auto loan; APR; New Car 72 months financing for $20,000.00 sticker price or greater

Rate History
No change since Sep 14, 2026 · 5.90% APR · checked 3 times
5.40%5.90%6.40%Sep 14, 2026: 5.90% APRSep 14, 2026Oct 13, 2026
Greenwich Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
240 N Roosevelt Ave, Chandler, AZ, 85226
New Cars Loan
5.90%
72 Months
View
▼
APR5.90%
Term72 Months
Last UpdatedOct 13, 2026
Details

New Car 72 months financing for $20,000.00 sticker price or greater; Credit Union finances 100% of purchase price including tax, registration and extended warranty; Maximum car loan $75,000.00

Rate History
No change since Sep 17, 2026 · 5.90% APR · checked 8 times
5.40%5.90%6.40%Sep 17, 2026: 5.90% APRSep 17, 2026Oct 13, 2026
Sierra Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.95%
1600 E Northern Ave, Phoenix, AZ, 85020 3933
New and Used Auto Loan
5.94%
84 Months
View
▼
APR5.94%
Term84 Months
Last UpdatedOct 12, 2026
Details

As Low As; Rates apply to 2019 or newer models if conditions are met.

Rate History
No change since Sep 25, 2026 · 5.94% APR · checked 4 times
5.44%5.94%6.44%Sep 25, 2026: 5.94% APRSep 25, 2026Oct 13, 2026
Winslow Santa Fe Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
1021 N Williamson Ave, Winslow, AZ, 86047 3738
New Cars (2025 to 2026) Loan
5.94%
60 months
View
▼
APR5.94%
Term60 months
Last UpdatedOct 13, 2026
Details

Interest rates based on approved credit on scores 675-750

Rate History
No change since Sep 14, 2026 · 5.94% APR · checked 6 times
5.44%5.94%6.44%Sep 14, 2026: 5.94% APRSep 14, 2026Oct 13, 2026
Sharefax Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.78%
615 N 48th St, Phoenix, AZ, 85008 6608
Vehicle Loans (7/31/2026)MODEL YEAR 2023 & NEWER Up to 63 Months
5.99%
Up to 63 Months
View
▼
APR5.99%
TermUp to 63 Months
Last UpdatedOct 9, 2026
Details

As Low As

Rate History
No change since Oct 9, 2026 · 5.99% APR
5.49%5.99%6.49%Oct 9, 2026: 5.99% APROct 9, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
1683 S Arizona Ave, Yuma, AZ, 85364
New Auto Loan
5.99%
73-84 Months
View
▼
APR5.99%
Term73-84 Months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Sep 30, 2026 · 5.99% APR · checked 4 times
5.49%5.99%6.49%Sep 30, 2026: 5.99% APRSep 30, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
1683 S Arizona Ave, Yuma, AZ, 85364
New Vehicle Loan
5.99%
73-84 months
View
▼
APR5.99%
Term73-84 months
Last UpdatedOct 10, 2026
Details

As Low As; Rates subject to change.

Rate History
No change since Sep 30, 2026 · 5.99% APR · checked 4 times
5.49%5.99%6.49%Sep 30, 2026: 5.99% APRSep 30, 2026Oct 13, 2026
Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.64%
3699 Highway 95 Ste 200, Bullhead City, AZ, 86442
New & Used Autos
5.99%
84 Months
View
▼
APR5.99%
Term84 Months
Last UpdatedOct 10, 2026
Details

Published APR range: 5.99%-7.49%. **

Rate History
No change since Sep 30, 2026 · 5.99% APR · checked 4 times
5.49%5.99%6.49%Sep 30, 2026: 5.99% APRSep 30, 2026Oct 13, 2026
Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.64%
3699 Highway 95 Ste 200, Bullhead City, AZ, 86442
New & Used Vehicles Loan
5.99%
84 Months
View
▼
APR5.99%
Term84 Months
Last UpdatedOct 10, 2026
Details

Published APR range: 5.99% - 7.49%.

Rate History
No change since Oct 10, 2026 · 5.99% APR
5.49%5.99%6.49%Oct 10, 2026: 5.99% APROct 10, 2026Oct 13, 2026
Pima Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
3730 N Stone Ave, tucson, AZ, 85705 3204
Vehicles - New & Used Loan
5.99%
61 - 84 months
View
▼
APR5.99%
Term61 - 84 months
Last UpdatedOct 12, 2026
Details

As Low As; APR*

Rate History
No change since Sep 12, 2026 · 5.99% APR · checked 8 times
5.49%5.99%6.49%Sep 12, 2026: 5.99% APRSep 12, 2026Oct 13, 2026
Coconino Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.38%
2800 S Woodlands Village Blvd, Flagstaff, AZ, 86001
Vehicles - New & Used Loan
5.99%
73 - 84 Months
View
▼
APR5.99%
Term73 - 84 Months
Last UpdatedOct 12, 2026
Details

Published APR range: 5.99% - 17.74%. Model Year: 2024 & Newer; Effective Date: Monday, October 12th, 2026

Rate History
No change since Oct 8, 2026 · 5.99% APR · checked 2 times
5.49%5.99%6.49%Oct 8, 2026: 5.99% APROct 8, 2026Oct 13, 2026
Alhambra Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.43%
13331 W Indian School Rd Ste 205, Litchfield Park, AZ, 85340
New Vehicle Loan
6.00%
84 Months
View
▼
APR6.00%
Term84 Months
Last UpdatedOct 9, 2026
Details

Published APR range: 6.00% - 20.15%. As low as

Rate History
No change since Sep 14, 2026 · 6.00% APR · checked 7 times
5.50%6.00%6.50%Sep 14, 2026: 6.00% APRSep 14, 2026Oct 13, 2026
TruWest Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.57%
5136 E Roosevelt St, Phoenix, AZ, 85008 7322
New/Used Auto
6.00%
49 - 63 months
View
▼
APR6.00%
Term49 - 63 months
Last UpdatedOct 13, 2026
Details

APR range: 6.00% - 13.85%; up to 14.10% financing on New/Used Auto purchases and refinances from another institution, maximum 84-month term

Rate History
1 change since Sep 14, 2026 · 5.75% → 6.00% ▲ 0.25 pts · high 6.00% / low 5.75%
5.25%5.88%6.50%Sep 14, 2026: 5.75% APRSep 29, 2026: 6.00% APRSep 14, 2026Oct 13, 2026
  • Sep 29, 20266.00%▲ from 5.75%
  • Sep 14, 20265.75%first recorded
First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.39%
475 N Gila Springs Blvd, Chandler, AZ, 85226
New Vehicle Loan (2025+)
6.04%
64-75 months
View
▼
APR6.04%
Term64-75 months
Last UpdatedOct 10, 2026
Details

lowest available

Rate History
No change since Oct 10, 2026 · 6.04% APR
5.54%6.04%6.54%Oct 10, 2026: 6.04% APROct 10, 2026Oct 13, 2026
SunWest Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.68%
5323 N 99th Ave Ste 220, Glendale, AZ, 85305 2224
Auto Loan - New + Used
6.09%
36 months
View
▼
APR6.09%
Term36 months
Last UpdatedOct 12, 2026
Details

As Low As; Model Year: 2025 + newer New + used

Rate History
No change since Oct 12, 2026 · 6.09% APR
5.59%6.09%6.59%Oct 12, 2026: 6.09% APROct 12, 2026Oct 13, 2026
SunWest Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.68%
5323 N 99th Ave Ste 220, Glendale, AZ, 85305 2224
Auto Loan - New + Used
6.09%
48 months
View
▼
APR6.09%
Term48 months
Last UpdatedOct 12, 2026
Details

As Low As; Model Year: 2025 + newer New + used

Rate History
No change since Oct 12, 2026 · 6.09% APR
5.59%6.09%6.59%Oct 12, 2026: 6.09% APROct 12, 2026Oct 13, 2026
SunWest Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.68%
5323 N 99th Ave Ste 220, Glendale, AZ, 85305 2224
Auto Loan - New + Used
6.09%
60 months
View
▼
APR6.09%
Term60 months
Last UpdatedOct 12, 2026
Details

As Low As; Model Year: 2025 + newer New + used

Rate History
No change since Oct 12, 2026 · 6.09% APR
5.59%6.09%6.59%Oct 12, 2026: 6.09% APROct 12, 2026Oct 13, 2026
Winslow Santa Fe Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
1021 N Williamson Ave, Winslow, AZ, 86047 3738
New Cars (2025 to 2026) Loan
6.09%
66 months
View
▼
APR6.09%
Term66 months
Last UpdatedOct 13, 2026
Details

Over $20,000; interest rates based on approved credit on scores 675-750

Rate History
No change since Sep 14, 2026 · 6.09% APR · checked 6 times
5.59%6.09%6.59%Sep 14, 2026: 6.09% APRSep 14, 2026Oct 13, 2026
Landings Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.83%
2800 S Mill Ave, Tempe, AZ, 85282
New Vehicles 2025 & Newer Loan
6.14%
84 months
View
▼
APR6.14%
Term84 months
Last UpdatedOct 13, 2026
Details

As Low As; Fixed Rates; Vehicle loan

Rate History
1 change since Sep 14, 2026 · 5.74% → 6.14% ▲ 0.40 pts · high 6.14% / low 5.74%
5.24%5.94%6.64%Sep 14, 2026: 5.74% APRSep 29, 2026: 6.14% APRSep 14, 2026Oct 13, 2026
  • Sep 29, 20266.14%▲ from 5.74%
  • Sep 14, 20265.74%first recorded
Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.68%
402 E Monroe Ave, Buckeye, AZ, 85326
New car purchase Loan
6.24%
60 months
View
▼
APR6.24%
Term60 months
Last UpdatedOct 7, 2026
Details

Rate History
3 changes since Sep 14, 2026 · 5.94% → 6.24% ▲ 0.30 pts · high 6.24% / low 5.94%
5.44%6.09%6.74%Sep 14, 2026: 5.94% APRSep 18, 2026: 6.04% APRSep 27, 2026: 6.14% APROct 2, 2026: 6.24% APRSep 14, 2026Oct 13, 2026
  • Oct 2, 20266.24%▲ from 6.14%
  • Sep 27, 20266.14%▲ from 6.04%
  • Sep 18, 20266.04%▲ from 5.94%
  • Sep 14, 20265.94%first recorded
Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.68%
402 E Monroe Ave, Buckeye, AZ, 85326
New car rate Loan
6.24%
60 months
View
▼
APR6.24%
Term60 months
Last UpdatedOct 7, 2026
Details

For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term. Purchase of a new car would have a 6.24% APR for 60 months, monthly payment of $875.01 for $45,000 financing, down payment of $0

Rate History
3 changes since Sep 14, 2026 · 5.94% → 6.24% ▲ 0.30 pts · high 6.24% / low 5.94%
5.44%6.09%6.74%Sep 14, 2026: 5.94% APRSep 18, 2026: 6.04% APRSep 27, 2026: 6.14% APROct 2, 2026: 6.24% APRSep 14, 2026Oct 13, 2026
  • Oct 2, 20266.24%▲ from 6.14%
  • Sep 27, 20266.14%▲ from 6.04%
  • Sep 18, 20266.04%▲ from 5.94%
  • Sep 14, 20265.94%first recorded
Sharefax Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.78%
615 N 48th St, Phoenix, AZ, 85008 6608
Vehicle Loans (7/31/2026)MODEL YEAR 2023 & NEWER Up to 75 Months
6.24%
Up to 75 Months
View
▼
APR6.24%
TermUp to 75 Months
Last UpdatedOct 9, 2026
Details

As Low As

Rate History
No change since Oct 9, 2026 · 6.24% APR
5.74%6.24%6.74%Oct 9, 2026: 6.24% APROct 9, 2026Oct 13, 2026
Coconino Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.38%
2800 S Woodlands Village Blvd, Flagstaff, AZ, 86001
Vehicles - New & Used Loan
6.24%
36 - 60 Months
View
▼
APR6.24%
Term36 - 60 Months
Last UpdatedOct 12, 2026
Details

Published APR range: 6.24% - 17.99%. Model Year: 2020 - 2023; Effective Date: Monday, October 12th, 2026

Rate History
No change since Oct 8, 2026 · 6.24% APR · checked 2 times
5.74%6.24%6.74%Oct 8, 2026: 6.24% APROct 8, 2026Oct 13, 2026
Winslow Santa Fe Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
1021 N Williamson Ave, Winslow, AZ, 86047 3738
New Cars (2025 to 2026) Loan
6.24%
72 months
View
▼
APR6.24%
Term72 months
Last UpdatedOct 13, 2026
Details

Over $20,000; interest rates based on approved credit on scores 675-750

Rate History
No change since Sep 14, 2026 · 6.24% APR · checked 6 times
5.74%6.24%6.74%Sep 14, 2026: 6.24% APRSep 14, 2026Oct 13, 2026
TruWest Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.57%
5136 E Roosevelt St, Phoenix, AZ, 85008 7322
New/Used Auto
6.24%
64 - 75 months
View
▼
APR6.24%
Term64 - 75 months
Last UpdatedOct 13, 2026
Details

APR range: 6.24% - 14.10%

Rate History
1 change since Sep 18, 2026 · 5.99% → 6.24% ▲ 0.25 pts · high 6.24% / low 5.99%
5.49%6.12%6.74%Sep 18, 2026: 5.99% APRSep 29, 2026: 6.24% APRSep 18, 2026Oct 13, 2026
  • Sep 29, 20266.24%▲ from 5.99%
  • Sep 18, 20265.99%first recorded
TruWest Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.57%
5136 E Roosevelt St, Phoenix, AZ, 85008 7322
New/Used Auto
6.24%
76 - 84 months
View
▼
APR6.24%
Term76 - 84 months
Last UpdatedOct 13, 2026
Details

APR range: 6.24% - 12.73%

Rate History
1 change since Sep 18, 2026 · 5.99% → 6.24% ▲ 0.25 pts · high 6.24% / low 5.99%
5.49%6.12%6.74%Sep 18, 2026: 5.99% APRSep 29, 2026: 6.24% APRSep 18, 2026Oct 13, 2026
  • Sep 29, 20266.24%▲ from 5.99%
  • Sep 18, 20265.99%first recorded
Marisol Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.21%
1515 W Roosevelt St, Phoenix, AZ, 85007 2034
Vehicles - Model Years 2025 and Newer
6.25%
up to 48 Months
View
▼
APR6.25%
Interest Rate6.25%
Termup to 48 Months
Last UpdatedOct 12, 2026
Details

Credit Score: 725+

Rate History
2 changes since Sep 14, 2026 · 6.25% → 6.25% ▼ 0.00 pts · high 11.25% / low 6.25%
1.25%8.75%16.25%Sep 14, 2026: 6.25% APRSep 25, 2026: 11.25% APROct 4, 2026: 6.25% APRSep 14, 2026Oct 13, 2026
  • Oct 4, 20266.25%▼ from 11.25%
  • Sep 25, 202611.25%▲ from 6.25%
  • Sep 14, 20266.25%first recorded
Southeastern Arizona Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
1600 N Pan American Ave, Douglas, AZ, 85607
New Vehicle Loan
6.25%
Up to 60 months
View
▼
APR6.25%
TermUp to 60 months
Last UpdatedOct 12, 2026
Details

As Low As; New Vehicle 2021 and Newer, 10,000 miles or less

Rate History
No change since Oct 12, 2026 · 6.25% APR
5.75%6.25%6.75%Oct 12, 2026: 6.25% APROct 12, 2026Oct 13, 2026
BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
3001 East Cambelback Road, Phoenix, AZ, 85016
New Auto Loan
6.34%
36 Months
View
▼
APR6.34%
Term36 Months
Last UpdatedOct 7, 2026
Details

As low as

Rate History
No change since Sep 15, 2026 · 6.34% APR · checked 7 times
5.84%6.34%6.84%Sep 15, 2026: 6.34% APRSep 15, 2026Oct 13, 2026
Arizona Central Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.52%
2020 N CENTRAL AVE STE 100, PHOENIX, AZ, 85004
New Auto Loan (2022 and newer)
6.35%
Up to 75 months
View
▼
APR6.35%
TermUp to 75 months
Last UpdatedOct 13, 2026
Details

As Low As; Model year: 2022 and newer; Maximum loan term: 75 months

Rate History
No change since Oct 13, 2026 · 6.35% APR
5.85%6.35%6.85%Oct 13, 2026: 6.35% APROct 13, 2026Oct 13, 2026
BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
3001 East Cambelback Road, Phoenix, AZ, 85016
New Auto Loan
6.39%
48 Months
View
▼
APR6.39%
Term48 Months
Last UpdatedOct 7, 2026
Details

As low as

Rate History
No change since Sep 15, 2026 · 6.39% APR · checked 7 times
5.89%6.39%6.89%Sep 15, 2026: 6.39% APRSep 15, 2026Oct 13, 2026
First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.39%
475 N Gila Springs Blvd, Chandler, AZ, 85226
New Vehicle Loan (2025+)
6.39%
76-84 months
View
▼
APR6.39%
Term76-84 months
Last UpdatedOct 10, 2026
Details

lowest available

Rate History
No change since Oct 10, 2026 · 6.39% APR
5.89%6.39%6.89%Oct 10, 2026: 6.39% APROct 10, 2026Oct 13, 2026
Landings Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.83%
2800 S Mill Ave, Tempe, AZ, 85282
New Vehicles 2025 & Newer Loan
6.39%
90 months
View
▼
APR6.39%
Term90 months
Last UpdatedOct 13, 2026
Details

As Low As; Fixed Rates; Vehicle loan

Rate History
1 change since Sep 14, 2026 · 5.99% → 6.39% ▲ 0.40 pts · high 6.39% / low 5.99%
5.49%6.19%6.89%Sep 14, 2026: 5.99% APRSep 29, 2026: 6.39% APRSep 14, 2026Oct 13, 2026
  • Sep 29, 20266.39%▲ from 5.99%
  • Sep 14, 20265.99%first recorded
BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
3001 East Cambelback Road, Phoenix, AZ, 85016
New Auto Loan
6.44%
60 Months
View
▼
APR6.44%
Term60 Months
Last UpdatedOct 7, 2026
Details

As low as

Rate History
No change since Sep 15, 2026 · 6.44% APR · checked 7 times
5.94%6.44%6.94%Sep 15, 2026: 6.44% APRSep 15, 2026Oct 13, 2026
Coconino Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.38%
2800 S Woodlands Village Blvd, Flagstaff, AZ, 86001
Vehicles - New & Used Loan
6.49%
61 - 72 Months
View
▼
APR6.49%
Term61 - 72 Months
Last UpdatedOct 12, 2026
Details

Published APR range: 6.49% - 17.99%. Model Year: 2020 - 2023; Effective Date: Monday, October 12th, 2026

Rate History
No change since Oct 8, 2026 · 6.49% APR · checked 2 times
5.99%6.49%6.99%Oct 8, 2026: 6.49% APROct 8, 2026Oct 13, 2026
Southeastern Arizona Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
1600 N Pan American Ave, Douglas, AZ, 85607
New Vehicle Loan
6.50%
Up to 72 months
View
▼
APR6.50%
TermUp to 72 months
Last UpdatedOct 12, 2026
Details

As Low As; New Vehicle 2021 and Newer, 10,000 miles or less; Amount: Up to $25,000

Rate History
No change since Oct 12, 2026 · 6.50% APR
6.00%6.50%7.00%Oct 12, 2026: 6.50% APROct 12, 2026Oct 13, 2026
Southeastern Arizona Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
1600 N Pan American Ave, Douglas, AZ, 85607
Used Vehicle 2012 and Newer Loan
6.50%
Up to 60 months
View
▼
APR6.50%
TermUp to 60 months
Last UpdatedOct 12, 2026
Details

As Low As; Max term: Up to 60 months

Rate History
No change since Oct 12, 2026 · 6.50% APR
6.00%6.50%7.00%Oct 12, 2026: 6.50% APROct 12, 2026Oct 13, 2026
BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
3001 East Cambelback Road, Phoenix, AZ, 85016
New Auto Loan
6.54%
72 Months
View
▼
APR6.54%
Term72 Months
Last UpdatedOct 7, 2026
Details

As low as

Rate History
No change since Sep 15, 2026 · 6.54% APR · checked 7 times
6.04%6.54%7.04%Sep 15, 2026: 6.54% APRSep 15, 2026Oct 13, 2026
SunWest Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.68%
5323 N 99th Ave Ste 220, Glendale, AZ, 85305 2224
Auto Loan - New + Used
6.59%
72 months
View
▼
APR6.59%
Term72 months
Last UpdatedOct 12, 2026
Details

As Low As; Model Year: 2025 + newer New + used

Rate History
No change since Oct 12, 2026 · 6.59% APR
6.09%6.59%7.09%Oct 12, 2026: 6.59% APROct 12, 2026Oct 13, 2026
Sharefax Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.78%
615 N 48th St, Phoenix, AZ, 85008 6608
Vehicle Loans (7/31/2026)MODEL YEAR 2023 & NEWER Up to 84 Months
6.74%
Up to 84 Months
View
▼
APR6.74%
TermUp to 84 Months
Last UpdatedOct 9, 2026
Details

As Low As

Rate History
No change since Oct 9, 2026 · 6.74% APR
6.24%6.74%7.24%Oct 9, 2026: 6.74% APROct 9, 2026Oct 13, 2026
Winslow Santa Fe Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
1021 N Williamson Ave, Winslow, AZ, 86047 3738
New Cars (2025 to 2026) Loan
6.74%
84 months
View
▼
APR6.74%
Term84 months
Last UpdatedOct 13, 2026
Details

Over $25,000; interest rates based on approved credit on scores 675-750

Rate History
No change since Sep 14, 2026 · 6.74% APR · checked 6 times
6.24%6.74%7.24%Sep 14, 2026: 6.74% APRSep 14, 2026Oct 13, 2026
Marisol Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.21%
1515 W Roosevelt St, Phoenix, AZ, 85007 2034
Vehicles - Model Years 2025 and Newer
6.75%
49 - 64 Months
View
▼
APR6.75%
Interest Rate6.75%
Term49 - 64 Months
Last UpdatedOct 12, 2026
Details

Credit Score: 725+

Rate History
No change since Sep 14, 2026 · 6.75% APR · checked 8 times
6.25%6.75%7.25%Sep 14, 2026: 6.75% APRSep 14, 2026Oct 13, 2026
Southeastern Arizona Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
1600 N Pan American Ave, Douglas, AZ, 85607
New Vehicle Loan
6.75%
Up to 84 months
View
▼
APR6.75%
TermUp to 84 months
Last UpdatedOct 12, 2026
Details

As Low As; New Vehicle 2021 and Newer, 10,000 miles or less; Amount: Greater than $30,000

Rate History
No change since Oct 12, 2026 · 6.75% APR
6.25%6.75%7.25%Oct 12, 2026: 6.75% APROct 12, 2026Oct 13, 2026
Southeastern Arizona Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
1600 N Pan American Ave, Douglas, AZ, 85607
Used Vehicle 2012 and Newer Loan
6.75%
Up to 72 months
View
▼
APR6.75%
TermUp to 72 months
Last UpdatedOct 12, 2026
Details

As Low As; Amount: Up to $25,000; Max term: Up to 72 months

Rate History
No change since Oct 12, 2026 · 6.75% APR
6.25%6.75%7.25%Oct 12, 2026: 6.75% APROct 12, 2026Oct 13, 2026
Arizona Central Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.52%
2020 N CENTRAL AVE STE 100, PHOENIX, AZ, 85004
New Auto Loan (2022 and newer)
6.75%
Up to 84 months
View
▼
APR6.75%
TermUp to 84 months
Last UpdatedOct 13, 2026
Details

As Low As; Model year: 2022 and newer; Maximum loan term: 84 months

Rate History
No change since Oct 13, 2026 · 6.75% APR
6.25%6.75%7.25%Oct 13, 2026: 6.75% APROct 13, 2026Oct 13, 2026
Greenwich Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
240 N Roosevelt Ave, Chandler, AZ, 85226
New Cars - 84 Months Loan
6.90%
84 Months
View
▼
APR6.90%
Term84 Months
Last UpdatedOct 13, 2026
Details

New Car auto loan; APR; New Car 84 months financing for $30,000.00 sticker price or greater

Rate History
No change since Sep 14, 2026 · 6.90% APR · checked 3 times
6.40%6.90%7.40%Sep 14, 2026: 6.90% APRSep 14, 2026Oct 13, 2026
Greenwich Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
240 N Roosevelt Ave, Chandler, AZ, 85226
New Cars Loan
6.90%
84 Months
View
▼
APR6.90%
Term84 Months
Last UpdatedOct 13, 2026
Details

New Car 84 months financing for $30,000.00 sticker price or greater; Credit Union finances 100% of purchase price including tax, registration and extended warranty; Maximum car loan $75,000.00

Rate History
No change since Sep 17, 2026 · 6.90% APR · checked 8 times
6.40%6.90%7.40%Sep 17, 2026: 6.90% APRSep 17, 2026Oct 13, 2026

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: 2.87%
3800 E Sky Harbor Blvd Terminal 4, Phoenix, AZ, 85034
Used Auto
3.84%
Up to 36 Months
View
▼
APR3.84%
TermUp to 36 Months
Last UpdatedOct 13, 2026
Details

As Low As; Auto & Recreational Loans

Rate History
No change since Sep 14, 2026 · 3.84% APR · checked 7 times
3.34%3.84%4.34%Sep 14, 2026: 3.84% APRSep 14, 2026Oct 13, 2026
Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.64%
3699 Highway 95 Ste 200, Bullhead City, AZ, 86442
New & Used Autos
3.99%
36 Months
View
▼
APR3.99%
Term36 Months
Last UpdatedOct 10, 2026
Details

Published APR range: 3.99%-16.99%.

Rate History
No change since Sep 30, 2026 · 3.99% APR · checked 4 times
3.49%3.99%4.49%Sep 30, 2026: 3.99% APRSep 30, 2026Oct 13, 2026
Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.64%
3699 Highway 95 Ste 200, Bullhead City, AZ, 86442
New & Used Vehicles Loan
3.99%
36 Months
View
▼
APR3.99%
Term36 Months
Last UpdatedOct 10, 2026
Details

Published APR range: 3.99% - 16.99%.

Rate History
No change since Oct 10, 2026 · 3.99% APR
3.49%3.99%4.49%Oct 10, 2026: 3.99% APROct 10, 2026Oct 13, 2026
Southwest Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.25%
4645 E Cotton Center Blvd Ste 115, Phoenix, AZ, 85040
Used Auto
4.19%
Up to 36 months
View
▼
APR4.19%
TermUp to 36 months
Last UpdatedOct 10, 2026
Details

Published APR range: 4.19% - 14.25%. 100% Financing**

Rate History
No change since Sep 24, 2026 · 4.19% APR · checked 5 times
3.69%4.19%4.69%Sep 24, 2026: 4.19% APRSep 24, 2026Oct 13, 2026
Sierra Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.95%
1600 E Northern Ave, Phoenix, AZ, 85020 3933
New and Used Auto Loan
4.34%
48 Months
View
▼
APR4.34%
Term48 Months
Last UpdatedOct 12, 2026
Details

As Low As; Rates apply to 2019 or newer models if conditions are met.

Rate History
No change since Sep 25, 2026 · 4.34% APR · checked 4 times
3.84%4.34%4.84%Sep 25, 2026: 4.34% APRSep 25, 2026Oct 13, 2026
Southwest Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.25%
4645 E Cotton Center Blvd Ste 115, Phoenix, AZ, 85040
Used Auto
4.44%
48 Months
View
▼
APR4.44%
Term48 Months
Last UpdatedOct 10, 2026
Details

Published APR range: 4.44% - 15.25%.

Rate History
No change since Sep 24, 2026 · 4.44% APR · checked 5 times
3.94%4.44%4.94%Sep 24, 2026: 4.44% APRSep 24, 2026Oct 13, 2026
Coconino Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.38%
2800 S Woodlands Village Blvd, Flagstaff, AZ, 86001
Vehicles - New & Used Loan
4.49%
0 - 35 Months
View
▼
APR4.49%
Term0 - 35 Months
Last UpdatedOct 12, 2026
Details

Published APR range: 4.49% - 16.99%. Model Year: 2024 & Newer; Effective Date: Monday, October 12th, 2026

Rate History
No change since Oct 8, 2026 · 4.49% APR · checked 2 times
3.99%4.49%4.99%Oct 8, 2026: 4.49% APROct 8, 2026Oct 13, 2026
Florida West Coast Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.02%
4801 E THISTLE LANDING DR, PHOENIX, AZ, 85044
Used Automobile (2017 & newer)
4.49%
up to 72 months
View
▼
APR4.49%
Termup to 72 months
Last UpdatedOct 13, 2026
Details

As Low As; Category: New & Used Automobiles

Rate History
No change since Oct 13, 2026 · 4.49% APR
3.99%4.49%4.99%Oct 13, 2026: 4.49% APROct 13, 2026Oct 13, 2026
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.87%
3800 E Sky Harbor Blvd Terminal 4, Phoenix, AZ, 85034
Used Auto
4.59%
Up to 60 months
View
▼
APR4.59%
TermUp to 60 months
Last UpdatedOct 13, 2026
Details

As Low As; Auto & Recreational Loans

Rate History
No change since Sep 14, 2026 · 4.59% APR · checked 7 times
4.09%4.59%5.09%Sep 14, 2026: 4.59% APRSep 14, 2026Oct 13, 2026
Southwest Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.25%
4645 E Cotton Center Blvd Ste 115, Phoenix, AZ, 85040
Used Auto
4.69%
60 Months
View
▼
APR4.69%
Term60 Months
Last UpdatedOct 10, 2026
Details

Published APR range: 4.69% - 15.45%.

Rate History
No change since Sep 24, 2026 · 4.69% APR · checked 5 times
4.19%4.69%5.19%Sep 24, 2026: 4.69% APRSep 24, 2026Oct 13, 2026
Sierra Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.95%
1600 E Northern Ave, Phoenix, AZ, 85020 3933
New and Used Auto Loan
4.74%
60 Months
View
▼
APR4.74%
Term60 Months
Last UpdatedOct 12, 2026
Details

As Low As; Rates apply to 2019 or newer models if conditions are met.

Rate History
No change since Sep 25, 2026 · 4.74% APR · checked 4 times
4.24%4.74%5.24%Sep 25, 2026: 4.74% APRSep 25, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
1683 S Arizona Ave, Yuma, AZ, 85364
Used Auto Loan
4.79%
12-36 Months
View
▼
APR4.79%
Term12-36 Months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Sep 30, 2026 · 4.79% APR · checked 4 times
4.29%4.79%5.29%Sep 30, 2026: 4.79% APRSep 30, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
1683 S Arizona Ave, Yuma, AZ, 85364
Used Vehicle Loan
4.79%
up to 36 months
View
▼
APR4.79%
Termup to 36 months
Last UpdatedOct 10, 2026
Details

As Low As; Rates subject to change.

Rate History
No change since Sep 30, 2026 · 4.79% APR · checked 4 times
4.29%4.79%5.29%Sep 30, 2026: 4.79% APRSep 30, 2026Oct 13, 2026
Southwest Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.25%
4645 E Cotton Center Blvd Ste 115, Phoenix, AZ, 85040
Used Auto
4.94%
72 Months
View
▼
APR4.94%
Term72 Months
Last UpdatedOct 10, 2026
Details

Published APR range: 4.94% - 15.90%.

Rate History
No change since Sep 24, 2026 · 4.94% APR · checked 5 times
4.44%4.94%5.44%Sep 24, 2026: 4.94% APRSep 24, 2026Oct 13, 2026
Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.64%
3699 Highway 95 Ste 200, Bullhead City, AZ, 86442
New & Used Autos
4.99%
48 to 60 Months
View
▼
APR4.99%
Term48 to 60 Months
Last UpdatedOct 10, 2026
Details

Published APR range: 4.99%-16.99%.

Rate History
No change since Sep 30, 2026 · 4.99% APR · checked 4 times
4.49%4.99%5.49%Sep 30, 2026: 4.99% APRSep 30, 2026Oct 13, 2026
Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.64%
3699 Highway 95 Ste 200, Bullhead City, AZ, 86442
New & Used Vehicles Loan
4.99%
48 to 60 Months
View
▼
APR4.99%
Term48 to 60 Months
Last UpdatedOct 10, 2026
Details

Published APR range: 4.99% - 16.99%.

Rate History
No change since Oct 10, 2026 · 4.99% APR
4.49%4.99%5.49%Oct 10, 2026: 4.99% APROct 10, 2026Oct 13, 2026
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.52%
1550 E Meadowbrook Ave Ste B, Phoenix, AZ, 85014 4040
Used Autos, SUVs, Trucks, Vans
4.99%
3-7 year term
View
▼
APR4.99%
Term3-7 year term
Last UpdatedOct 12, 2026
Details

As Low As; Final rate based on credit worthiness and term of the loan.

Rate History
1 change since Sep 14, 2026 · 6.99% → 4.99% ▼ 2.00 pts · high 6.99% / low 4.99%
2.99%5.99%8.99%Sep 14, 2026: 6.99% APRSep 25, 2026: 4.99% APRSep 14, 2026Oct 13, 2026
  • Sep 25, 20264.99%▼ from 6.99%
  • Sep 14, 20266.99%first recorded
Coconino Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.38%
2800 S Woodlands Village Blvd, Flagstaff, AZ, 86001
Vehicles - New & Used Loan
4.99%
36 - 60 Months
View
▼
APR4.99%
Term36 - 60 Months
Last UpdatedOct 12, 2026
Details

Published APR range: 4.99% - 17.24%. Model Year: 2024 & Newer; Effective Date: Monday, October 12th, 2026

Rate History
No change since Oct 8, 2026 · 4.99% APR · checked 2 times
4.49%4.99%5.49%Oct 8, 2026: 4.99% APROct 8, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
1683 S Arizona Ave, Yuma, AZ, 85364
Used Business Vehicle Loan
5.19%
Up to 36 months
View
▼
APR5.19%
TermUp to 36 months
Last UpdatedOct 10, 2026
Details

As low as

Rate History
No change since Sep 30, 2026 · 5.19% APR · checked 4 times
4.69%5.19%5.69%Sep 30, 2026: 5.19% APRSep 30, 2026Oct 13, 2026
Coconino Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.38%
2800 S Woodlands Village Blvd, Flagstaff, AZ, 86001
Vehicles - New & Used Loan
5.24%
0 - 35 Months
View
▼
APR5.24%
Term0 - 35 Months
Last UpdatedOct 12, 2026
Details

Published APR range: 5.24% - 17.74%. Model Year: 2020 - 2023; Effective Date: Monday, October 12th, 2026

Rate History
No change since Oct 8, 2026 · 5.24% APR · checked 2 times
4.74%5.24%5.74%Oct 8, 2026: 5.24% APROct 8, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
1683 S Arizona Ave, Yuma, AZ, 85364
Used Auto Loan
5.29%
37-60 Months
View
▼
APR5.29%
Term37-60 Months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Sep 30, 2026 · 5.29% APR · checked 4 times
4.79%5.29%5.79%Sep 30, 2026: 5.29% APRSep 30, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
1683 S Arizona Ave, Yuma, AZ, 85364
Used Vehicle Loan
5.29%
37-60 months
View
▼
APR5.29%
Term37-60 months
Last UpdatedOct 10, 2026
Details

As Low As; Rates subject to change.

Rate History
No change since Sep 30, 2026 · 5.29% APR · checked 4 times
4.79%5.29%5.79%Sep 30, 2026: 5.29% APRSep 30, 2026Oct 13, 2026
Prescott Federal Credit Union
Institution Rating:
B+4.1 ★ Texas Ratio: 2.84%
500 N State Route 89, Prescott, AZ, 86313 5001
Used Auto loans
5.30%
Up to 84 Months
View
▼
APR5.30%
TermUp to 84 Months
Last UpdatedOct 12, 2026
Details

Used Auto loans (Min $15,000.00)

Rate History
No change since Sep 16, 2026 · 5.30% APR · checked 5 times
4.80%5.30%5.80%Sep 16, 2026: 5.30% APRSep 16, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
1683 S Arizona Ave, Yuma, AZ, 85364
Used Auto Loan
5.39%
61-72 Months
View
▼
APR5.39%
Term61-72 Months
Last UpdatedOct 10, 2026
Details

As Low As

Rate History
No change since Sep 30, 2026 · 5.39% APR · checked 4 times
4.89%5.39%5.89%Sep 30, 2026: 5.39% APRSep 30, 2026Oct 13, 2026
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
1683 S Arizona Ave, Yuma, AZ, 85364
Used Vehicle Loan
5.39%
61-72 months
View
▼
APR5.39%
Term61-72 months
Last UpdatedOct 10, 2026
Details

As Low As; Rates subject to change.

Rate History
No change since Sep 30, 2026 · 5.39% APR · checked 4 times
4.89%5.39%5.89%Sep 30, 2026: 5.39% APRSep 30, 2026Oct 13, 2026
Sierra Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.95%
1600 E Northern Ave, Phoenix, AZ, 85020 3933
New and Used Auto Loan
5.44%
72 Months
View
▼
APR5.44%
Term72 Months
Last UpdatedOct 12, 2026
Details

As Low As; Rates apply to 2019 or newer models if conditions are met.

Rate History
No change since Sep 25, 2026 · 5.44% APR · checked 4 times
4.94%5.44%5.94%Sep 25, 2026: 5.44% APRSep 25, 2026Oct 13, 2026
Alhambra Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.43%
13331 W Indian School Rd Ste 205, Litchfield Park, AZ, 85340
Used Vehicle Loan
5.49%
60 Months
View
▼
APR5.49%
Term60 Months
Last UpdatedOct 9, 2026
Details

Published APR range: 5.49% - 19.15%. As low as

Rate History
No change since Sep 14, 2026 · 5.49% APR · checked 7 times
4.99%5.49%5.99%Sep 14, 2026: 5.49% APRSep 14, 2026Oct 13, 2026
Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.64%
3699 Highway 95 Ste 200, Bullhead City, AZ, 86442
New & Used Autos
5.49%
72 Months
View
▼
APR5.49%
Term72 Months
Last UpdatedOct 10, 2026
Details

Published APR range: 5.49%-16.99%.

Rate History
No change since Sep 30, 2026 · 5.49% APR · checked 4 times
4.99%5.49%5.99%Sep 30, 2026: 5.49% APRSep 30, 2026Oct 13, 2026
Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.64%
3699 Highway 95 Ste 200, Bullhead City, AZ, 86442
New & Used Vehicles Loan
5.49%
72 Months
View
▼
APR5.49%
Term72 Months
Last UpdatedOct 10, 2026
Details

Published APR range: 5.49% - 16.99%.

Rate History
No change since Oct 10, 2026 · 5.49% APR
4.99%5.49%5.99%Oct 10, 2026: 5.49% APROct 10, 2026Oct 13, 2026
Coconino Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.38%
2800 S Woodlands Village Blvd, Flagstaff, AZ, 86001
Vehicles - New & Used Loan
5.49%
61 - 72 Months
View
▼
APR5.49%
Term61 - 72 Months
Last UpdatedOct 12, 2026
Details

Published APR range: 5.49% - 17.74%. Model Year: 2024 & Newer; Effective Date: Monday, October 12th, 2026

Rate History
No change since Oct 8, 2026 · 5.49% APR · checked 2 times
4.99%5.49%5.99%Oct 8, 2026: 5.49% APROct 8, 2026Oct 13, 2026
Southeastern Arizona Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
1600 N Pan American Ave, Douglas, AZ, 85607
Used Vehicle 2012 and Newer Loan
5.50%
Up to 48 months
View
▼
APR5.50%
TermUp to 48 months
Last UpdatedOct 12, 2026
Details

As Low As; Max term: Up to 48 months

Rate History
No change since Oct 12, 2026 · 5.50% APR
5.00%5.50%6.00%Oct 12, 2026: 5.50% APROct 12, 2026Oct 13, 2026
Prescott Federal Credit Union
Institution Rating:
B+4.1 ★ Texas Ratio: 2.84%
500 N State Route 89, Prescott, AZ, 86313 5001
Used Auto Loans
5.55%
Up to 84 Months
View
▼
APR5.55%
TermUp to 84 Months
Last UpdatedOct 12, 2026
Details

Used Auto Loans

Rate History
No change since Sep 16, 2026 · 5.55% APR · checked 5 times
5.05%5.55%6.05%Sep 16, 2026: 5.55% APRSep 16, 2026Oct 13, 2026
Landings Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.83%
2800 S Mill Ave, Tempe, AZ, 85282
Used Vehicles 2021 to 2024 Loan
5.64%
63 months
View
▼
APR5.64%
Term63 months
Last UpdatedOct 13, 2026
Details

As Low As; Fixed Rates; APR (as low as)

Rate History
1 change since Sep 14, 2026 · 5.24% → 5.64% ▲ 0.40 pts · high 5.64% / low 5.24%
4.74%5.44%6.14%Sep 14, 2026: 5.24% APRSep 29, 2026: 5.64% APRSep 14, 2026Oct 13, 2026
  • Sep 29, 20265.64%▲ from 5.24%
  • Sep 14, 20265.24%first recorded
Arizona Central Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.52%
2020 N CENTRAL AVE STE 100, PHOENIX, AZ, 85004
Used Auto Loan (2015 to 2017)
5.65%
Up to 48 months
View
▼
APR5.65%
TermUp to 48 months
Last UpdatedOct 13, 2026
Details

As Low As; Model Year: 2015 to 2017 (used vehicle)

Rate History
No change since Oct 13, 2026 · 5.65% APR
5.15%5.65%6.15%Oct 13, 2026: 5.65% APROct 13, 2026Oct 13, 2026
Arizona Central Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.52%
2020 N CENTRAL AVE STE 100, PHOENIX, AZ, 85004
Used Auto Loan (2018 to 2021)
5.65%
48 months
View
▼
APR5.65%
Term48 months
Last UpdatedOct 13, 2026
Details

As Low As; Used auto loan, model years 2018 to 2021

Rate History
No change since Oct 13, 2026 · 5.65% APR
5.15%5.65%6.15%Oct 13, 2026: 5.65% APROct 13, 2026Oct 13, 2026
Bank of America
Institution Rating:
A+5.0 ★ Texas Ratio: 4.14%
1030 Willow Creek Rd, Prescott, AZ, 86301
Used car (dealer) Loan
5.69%
60 months
View
▼
APR5.69%
Term60 months
Last UpdatedOct 7, 2026
Details

As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.

Rate History
1 change since Sep 18, 2026 · 5.59% → 5.69% ▲ 0.10 pts · high 5.69% / low 5.59%
5.09%5.64%6.19%Sep 18, 2026: 5.59% APRSep 27, 2026: 5.69% APRSep 18, 2026Oct 13, 2026
  • Sep 27, 20265.69%▲ from 5.59%
  • Sep 18, 20265.59%first recorded
Pima Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
3730 N Stone Ave, tucson, AZ, 85705 3204
Vehicles - New & Used Loan
5.74%
7 - 60 months
View
▼
APR5.74%
Term7 - 60 months
Last UpdatedOct 12, 2026
Details

As Low As; APR*

Rate History
No change since Sep 12, 2026 · 5.74% APR · checked 8 times
5.24%5.74%6.24%Sep 12, 2026: 5.74% APRSep 12, 2026Oct 13, 2026
Arizona Central Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.52%
2020 N CENTRAL AVE STE 100, PHOENIX, AZ, 85004
Used Auto Loan (2015 to 2017)
5.85%
Up to 60 months
View
▼
APR5.85%
TermUp to 60 months
Last UpdatedOct 13, 2026
Details

As Low As; Model Year: 2015 to 2017 (used vehicle)

Rate History
No change since Oct 13, 2026 · 5.85% APR
5.35%5.85%6.35%Oct 13, 2026: 5.85% APROct 13, 2026Oct 13, 2026
Arizona Central Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.52%
2020 N CENTRAL AVE STE 100, PHOENIX, AZ, 85004
Used Auto Loan (2018 to 2021)
5.85%
63 months
View
▼
APR5.85%
Term63 months
Last UpdatedOct 13, 2026
Details

As Low As; Used auto loan, model years 2018 to 2021

Rate History
No change since Oct 13, 2026 · 5.85% APR
5.35%5.85%6.35%Oct 13, 2026: 5.85% APROct 13, 2026Oct 13, 2026
Landings Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.83%
2800 S Mill Ave, Tempe, AZ, 85282
Used Vehicles 2021 to 2024 Loan
5.89%
75 months
View
▼
APR5.89%
Term75 months
Last UpdatedOct 13, 2026
Details

As Low As; Fixed Rates; APR (as low as)

Rate History
1 change since Sep 14, 2026 · 5.49% → 5.89% ▲ 0.40 pts · high 5.89% / low 5.49%
4.99%5.69%6.39%Sep 14, 2026: 5.49% APRSep 29, 2026: 5.89% APRSep 14, 2026Oct 13, 2026
  • Sep 29, 20265.89%▲ from 5.49%
  • Sep 14, 20265.49%first recorded
Greenwich Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
240 N Roosevelt Ave, Chandler, AZ, 85226
Used Cars Loan
5.90%
36 Months
View
▼
APR5.90%
Term36 Months
Last UpdatedOct 13, 2026
Details

APR = Annual Percentage Rate; Maximum car loan is $75,000.00

Rate History
No change since Sep 17, 2026 · 5.90% APR · checked 8 times
5.40%5.90%6.40%Sep 17, 2026: 5.90% APRSep 17, 2026Oct 13, 2026
Greenwich Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
240 N Roosevelt Ave, Chandler, AZ, 85226
Used Cars Loan
5.90%
48 Months
View
▼
APR5.90%
Term48 Months
Last UpdatedOct 13, 2026
Details

APR = Annual Percentage Rate; Maximum car loan is $75,000.00

Rate History
No change since Sep 17, 2026 · 5.90% APR · checked 8 times
5.40%5.90%6.40%Sep 17, 2026: 5.90% APRSep 17, 2026Oct 13, 2026
Greenwich Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.63%
240 N Roosevelt Ave, Chandler, AZ, 85226
Used Cars Loan
5.90%
60 Months
View
▼
APR5.90%
Term60 Months
Last UpdatedOct 13, 2026
Details

APR = Annual Percentage Rate; Maximum car loan is $75,000.00

Rate History
No change since Sep 17, 2026 · 5.90% APR · checked 8 times
5.40%5.90%6.40%Sep 17, 2026: 5.90% APRSep 17, 2026Oct 13, 2026
Sierra Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.95%
1600 E Northern Ave, Phoenix, AZ, 85020 3933
New and Used Auto Loan
5.94%
84 Months
View
▼
APR5.94%
Term84 Months
Last UpdatedOct 12, 2026
Details

As Low As; Rates apply to 2019 or newer models if conditions are met.

Rate History
No change since Sep 25, 2026 · 5.94% APR · checked 4 times
5.44%5.94%6.44%Sep 25, 2026: 5.94% APRSep 25, 2026Oct 13, 2026
Winslow Santa Fe Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
1021 N Williamson Ave, Winslow, AZ, 86047 3738
Used Cars (2024 and older) Loan
5.94%
36 months
View
▼
APR5.94%
Term36 months
Last UpdatedOct 13, 2026
Details

Interest rates based on approved credit on scores 675-750

Rate History
No change since Sep 18, 2026 · 5.94% APR · checked 5 times
5.44%5.94%6.44%Sep 18, 2026: 5.94% APRSep 18, 2026Oct 13, 2026
Winslow Santa Fe Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
1021 N Williamson Ave, Winslow, AZ, 86047 3738
Used Cars (2024 and older) Loan
5.94%
48 months
View
▼
APR5.94%
Term48 months
Last UpdatedOct 13, 2026
Details

Interest rates based on approved credit on scores 675-750

Rate History
No change since Sep 18, 2026 · 5.94% APR · checked 5 times
5.44%5.94%6.44%Sep 18, 2026: 5.94% APRSep 18, 2026Oct 13, 2026
Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.64%
3699 Highway 95 Ste 200, Bullhead City, AZ, 86442
New & Used Autos
5.99%
84 Months
View
▼
APR5.99%
Term84 Months
Last UpdatedOct 10, 2026
Details

Published APR range: 5.99%-7.49%. **

Rate History
No change since Sep 30, 2026 · 5.99% APR · checked 4 times
5.49%5.99%6.49%Sep 30, 2026: 5.99% APRSep 30, 2026Oct 13, 2026
Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.64%
3699 Highway 95 Ste 200, Bullhead City, AZ, 86442
New & Used Vehicles Loan
5.99%
84 Months
View
▼
APR5.99%
Term84 Months
Last UpdatedOct 10, 2026
Details

Published APR range: 5.99% - 7.49%.

Rate History
No change since Oct 10, 2026 · 5.99% APR
5.49%5.99%6.49%Oct 10, 2026: 5.99% APROct 10, 2026Oct 13, 2026
Pima Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.94%
3730 N Stone Ave, tucson, AZ, 85705 3204
Vehicles - New & Used Loan
5.99%
61 - 84 months
View
▼
APR5.99%
Term61 - 84 months
Last UpdatedOct 12, 2026
Details

As Low As; APR*

Rate History
No change since Sep 12, 2026 · 5.99% APR · checked 8 times
5.49%5.99%6.49%Sep 12, 2026: 5.99% APRSep 12, 2026Oct 13, 2026
Coconino Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.38%
2800 S Woodlands Village Blvd, Flagstaff, AZ, 86001
Vehicles - New & Used Loan
5.99%
73 - 84 Months
View
▼
APR5.99%
Term73 - 84 Months
Last UpdatedOct 12, 2026
Details

Published APR range: 5.99% - 17.74%. Model Year: 2024 & Newer; Effective Date: Monday, October 12th, 2026

Rate History
No change since Oct 8, 2026 · 5.99% APR · checked 2 times
5.49%5.99%6.49%Oct 8, 2026: 5.99% APROct 8, 2026Oct 13, 2026
Alhambra Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.43%
13331 W Indian School Rd Ste 205, Litchfield Park, AZ, 85340
Used Vehicle Loan
6.00%
72 Months
View
▼
APR6.00%
Term72 Months
Last UpdatedOct 9, 2026
Details

Published APR range: 6.00% - 19.65%. As low as

Rate History
No change since Sep 14, 2026 · 6.00% APR · checked 7 times
5.50%6.00%6.50%Sep 14, 2026: 6.00% APRSep 14, 2026Oct 13, 2026
TruWest Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.57%
5136 E Roosevelt St, Phoenix, AZ, 85008 7322
New/Used Auto
6.00%
49 - 63 months
View
▼
APR6.00%
Term49 - 63 months
Last UpdatedOct 13, 2026
Details

APR range: 6.00% - 13.85%; up to 14.10% financing on New/Used Auto purchases and refinances from another institution, maximum 84-month term

Rate History
1 change since Sep 14, 2026 · 5.75% → 6.00% ▲ 0.25 pts · high 6.00% / low 5.75%
5.25%5.88%6.50%Sep 14, 2026: 5.75% APRSep 29, 2026: 6.00% APRSep 14, 2026Oct 13, 2026
  • Sep 29, 20266.00%▲ from 5.75%
  • Sep 14, 20265.75%first recorded
SunWest Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.68%
5323 N 99th Ave Ste 220, Glendale, AZ, 85305 2224
Auto Loan - New + Used
6.09%
36 months
View
▼
APR6.09%
Term36 months
Last UpdatedOct 12, 2026
Details

As Low As; Model Year: 2025 + newer New + used

Rate History
No change since Oct 12, 2026 · 6.09% APR
5.59%6.09%6.59%Oct 12, 2026: 6.09% APROct 12, 2026Oct 13, 2026
SunWest Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.68%
5323 N 99th Ave Ste 220, Glendale, AZ, 85305 2224
Auto Loan - New + Used
6.09%
48 months
View
▼
APR6.09%
Term48 months
Last UpdatedOct 12, 2026
Details

As Low As; Model Year: 2025 + newer New + used

Rate History
No change since Oct 12, 2026 · 6.09% APR
5.59%6.09%6.59%Oct 12, 2026: 6.09% APROct 12, 2026Oct 13, 2026
SunWest Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.68%
5323 N 99th Ave Ste 220, Glendale, AZ, 85305 2224
Auto Loan - New + Used
6.09%
60 months
View
▼
APR6.09%
Term60 months
Last UpdatedOct 12, 2026
Details

As Low As; Model Year: 2025 + newer New + used

Rate History
No change since Oct 12, 2026 · 6.09% APR
5.59%6.09%6.59%Oct 12, 2026: 6.09% APROct 12, 2026Oct 13, 2026
Landings Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.83%
2800 S Mill Ave, Tempe, AZ, 85282
Used Vehicles 2016-2020 Loan
6.14%
63 months
View
▼
APR6.14%
Term63 months
Last UpdatedOct 13, 2026
Details

As Low As; Fixed Rates

Rate History
1 change since Sep 14, 2026 · 5.74% → 6.14% ▲ 0.40 pts · high 6.14% / low 5.74%
5.24%5.94%6.64%Sep 14, 2026: 5.74% APRSep 29, 2026: 6.14% APRSep 14, 2026Oct 13, 2026
  • Sep 29, 20266.14%▲ from 5.74%
  • Sep 14, 20265.74%first recorded
Coconino Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.38%
2800 S Woodlands Village Blvd, Flagstaff, AZ, 86001
Vehicles - New & Used Loan
6.24%
36 - 60 Months
View
▼
APR6.24%
Term36 - 60 Months
Last UpdatedOct 12, 2026
Details

Published APR range: 6.24% - 17.99%. Model Year: 2020 - 2023; Effective Date: Monday, October 12th, 2026

Rate History
No change since Oct 8, 2026 · 6.24% APR · checked 2 times
5.74%6.24%6.74%Oct 8, 2026: 6.24% APROct 8, 2026Oct 13, 2026
Winslow Santa Fe Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
1021 N Williamson Ave, Winslow, AZ, 86047 3738
Used Cars (2024 and older) Loan
6.24%
60 months
View
▼
APR6.24%
Term60 months
Last UpdatedOct 13, 2026
Details

Interest rates based on approved credit on scores 675-750

Rate History
No change since Sep 14, 2026 · 6.24% APR · checked 6 times
5.74%6.24%6.74%Sep 14, 2026: 6.24% APRSep 14, 2026Oct 13, 2026
TruWest Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.57%
5136 E Roosevelt St, Phoenix, AZ, 85008 7322
New/Used Auto
6.24%
64 - 75 months
View
▼
APR6.24%
Term64 - 75 months
Last UpdatedOct 13, 2026
Details

APR range: 6.24% - 14.10%

Rate History
1 change since Sep 18, 2026 · 5.99% → 6.24% ▲ 0.25 pts · high 6.24% / low 5.99%
5.49%6.12%6.74%Sep 18, 2026: 5.99% APRSep 29, 2026: 6.24% APRSep 18, 2026Oct 13, 2026
  • Sep 29, 20266.24%▲ from 5.99%
  • Sep 18, 20265.99%first recorded
TruWest Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.57%
5136 E Roosevelt St, Phoenix, AZ, 85008 7322
New/Used Auto
6.24%
76 - 84 months
View
▼
APR6.24%
Term76 - 84 months
Last UpdatedOct 13, 2026
Details

APR range: 6.24% - 12.73%

Rate History
1 change since Sep 18, 2026 · 5.99% → 6.24% ▲ 0.25 pts · high 6.24% / low 5.99%
5.49%6.12%6.74%Sep 18, 2026: 5.99% APRSep 29, 2026: 6.24% APRSep 18, 2026Oct 13, 2026
  • Sep 29, 20266.24%▲ from 5.99%
  • Sep 18, 20265.99%first recorded
Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.68%
402 E Monroe Ave, Buckeye, AZ, 85326
Used car purchase Loan
6.29%
60 months
View
▼
APR6.29%
Term60 months
Last UpdatedOct 7, 2026
Details

Rate History
3 changes since Sep 14, 2026 · 5.99% → 6.29% ▲ 0.30 pts · high 6.29% / low 5.99%
5.49%6.14%6.79%Sep 14, 2026: 5.99% APRSep 18, 2026: 6.09% APRSep 27, 2026: 6.19% APROct 2, 2026: 6.29% APRSep 14, 2026Oct 13, 2026
  • Oct 2, 20266.29%▲ from 6.19%
  • Sep 27, 20266.19%▲ from 6.09%
  • Sep 18, 20266.09%▲ from 5.99%
  • Sep 14, 20265.99%first recorded
Chase Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.68%
402 E Monroe Ave, Buckeye, AZ, 85326
Used car rate Loan
6.29%
60 months
View
▼
APR6.29%
Term60 months
Last UpdatedOct 7, 2026
Details

For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term. Purchase of a used 2022 year car would have a 6.29% APR for 60 months, monthly payment of $584.04 for $30,000 financing, down payment of $0

Rate History
3 changes since Sep 14, 2026 · 5.99% → 6.29% ▲ 0.30 pts · high 6.29% / low 5.99%
5.49%6.14%6.79%Sep 14, 2026: 5.99% APRSep 18, 2026: 6.09% APRSep 27, 2026: 6.19% APROct 2, 2026: 6.29% APRSep 14, 2026Oct 13, 2026
  • Oct 2, 20266.29%▲ from 6.19%
  • Sep 27, 20266.19%▲ from 6.09%
  • Sep 18, 20266.09%▲ from 5.99%
  • Sep 14, 20265.99%first recorded
Navy Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.14%
1683 S Arizona Ave, Yuma, AZ, 85364
Used Business Vehicle Loan
6.29%
37-60 months
View
▼
APR6.29%
Term37-60 months
Last UpdatedOct 10, 2026
Details

As low as

Rate History
No change since Sep 30, 2026 · 6.29% APR · checked 4 times
5.79%6.29%6.79%Sep 30, 2026: 6.29% APRSep 30, 2026Oct 13, 2026
BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
3001 East Cambelback Road, Phoenix, AZ, 85016
Used Auto Loan
6.34%
36 Months
View
▼
APR6.34%
Term36 Months
Last UpdatedOct 7, 2026
Details

2016 - 2026

Rate History
No change since Sep 18, 2026 · 6.34% APR · checked 6 times
5.84%6.34%6.84%Sep 18, 2026: 6.34% APRSep 18, 2026Oct 13, 2026
SunWest Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.68%
5323 N 99th Ave Ste 220, Glendale, AZ, 85305 2224
Auto Loan - Used
6.37%
36 months
View
▼
APR6.37%
Term36 months
Last UpdatedOct 12, 2026
Details

As Low As; Model Year: 2024 + older Used

Rate History
No change since Oct 12, 2026 · 6.37% APR
5.87%6.37%6.87%Oct 12, 2026: 6.37% APROct 12, 2026Oct 13, 2026
SunWest Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.68%
5323 N 99th Ave Ste 220, Glendale, AZ, 85305 2224
Auto Loan - Used
6.37%
48 months
View
▼
APR6.37%
Term48 months
Last UpdatedOct 12, 2026
Details

As Low As; Model Year: 2024 + older Used

Rate History
No change since Oct 12, 2026 · 6.37% APR
5.87%6.37%6.87%Oct 12, 2026: 6.37% APROct 12, 2026Oct 13, 2026
SunWest Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.68%
5323 N 99th Ave Ste 220, Glendale, AZ, 85305 2224
Auto Loan - Used
6.37%
60 months
View
▼
APR6.37%
Term60 months
Last UpdatedOct 12, 2026
Details

As Low As; Model Year: 2024 + older Used

Rate History
No change since Oct 12, 2026 · 6.37% APR
5.87%6.37%6.87%Oct 12, 2026: 6.37% APROct 12, 2026Oct 13, 2026
BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
3001 East Cambelback Road, Phoenix, AZ, 85016
Used Auto Loan
6.39%
48 Months
View
▼
APR6.39%
Term48 Months
Last UpdatedOct 7, 2026
Details

2018 - 2026

Rate History
No change since Sep 18, 2026 · 6.39% APR · checked 6 times
5.89%6.39%6.89%Sep 18, 2026: 6.39% APRSep 18, 2026Oct 13, 2026
Landings Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.83%
2800 S Mill Ave, Tempe, AZ, 85282
Used Vehicles 2016-2020 Loan
6.39%
75 months
View
▼
APR6.39%
Term75 months
Last UpdatedOct 13, 2026
Details

As Low As; Fixed Rates

Rate History
1 change since Sep 14, 2026 · 5.99% → 6.39% ▲ 0.40 pts · high 6.39% / low 5.99%
5.49%6.19%6.89%Sep 14, 2026: 5.99% APRSep 29, 2026: 6.39% APRSep 14, 2026Oct 13, 2026
  • Sep 29, 20266.39%▲ from 5.99%
  • Sep 14, 20265.99%first recorded
Landings Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.83%
2800 S Mill Ave, Tempe, AZ, 85282
Used Vehicles 2021 to 2024 Loan
6.39%
84 months
View
▼
APR6.39%
Term84 months
Last UpdatedOct 13, 2026
Details

As Low As; Fixed Rates; APR (as low as)

Rate History
1 change since Sep 14, 2026 · 5.99% → 6.39% ▲ 0.40 pts · high 6.39% / low 5.99%
5.49%6.19%6.89%Sep 14, 2026: 5.99% APRSep 29, 2026: 6.39% APRSep 14, 2026Oct 13, 2026
  • Sep 29, 20266.39%▲ from 5.99%
  • Sep 14, 20265.99%first recorded
BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
3001 East Cambelback Road, Phoenix, AZ, 85016
Used Auto Loan
6.44%
60 Months
View
▼
APR6.44%
Term60 Months
Last UpdatedOct 7, 2026
Details

2022 - 2026

Rate History
No change since Sep 18, 2026 · 6.44% APR · checked 6 times
5.94%6.44%6.94%Sep 18, 2026: 6.44% APRSep 18, 2026Oct 13, 2026
Coconino Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.38%
2800 S Woodlands Village Blvd, Flagstaff, AZ, 86001
Vehicles - New & Used Loan
6.49%
61 - 72 Months
View
▼
APR6.49%
Term61 - 72 Months
Last UpdatedOct 12, 2026
Details

Published APR range: 6.49% - 17.99%. Model Year: 2020 - 2023; Effective Date: Monday, October 12th, 2026

Rate History
No change since Oct 8, 2026 · 6.49% APR · checked 2 times
5.99%6.49%6.99%Oct 8, 2026: 6.49% APROct 8, 2026Oct 13, 2026
Southeastern Arizona Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
1600 N Pan American Ave, Douglas, AZ, 85607
Used Vehicle 2012 and Newer Loan
6.50%
Up to 60 months
View
▼
APR6.50%
TermUp to 60 months
Last UpdatedOct 12, 2026
Details

As Low As; Max term: Up to 60 months

Rate History
No change since Oct 12, 2026 · 6.50% APR
6.00%6.50%7.00%Oct 12, 2026: 6.50% APROct 12, 2026Oct 13, 2026
Arizona Central Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.52%
2020 N CENTRAL AVE STE 100, PHOENIX, AZ, 85004
Used Auto Loan (2018 to 2021)
6.50%
75 months
View
▼
APR6.50%
Term75 months
Last UpdatedOct 13, 2026
Details

As Low As; Used auto loan, model years 2018 to 2021

Rate History
No change since Oct 13, 2026 · 6.50% APR
6.00%6.50%7.00%Oct 13, 2026: 6.50% APROct 13, 2026Oct 13, 2026
BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 1.05%
3001 East Cambelback Road, Phoenix, AZ, 85016
Used Auto Loan
6.54%
72 Months
View
▼
APR6.54%
Term72 Months
Last UpdatedOct 7, 2026
Details

2023 - 2026

Rate History
No change since Sep 18, 2026 · 6.54% APR · checked 6 times
6.04%6.54%7.04%Sep 18, 2026: 6.54% APRSep 18, 2026Oct 13, 2026
SunWest Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.68%
5323 N 99th Ave Ste 220, Glendale, AZ, 85305 2224
Auto Loan - New + Used
6.59%
72 months
View
▼
APR6.59%
Term72 months
Last UpdatedOct 12, 2026
Details

As Low As; Model Year: 2025 + newer New + used

Rate History
No change since Oct 12, 2026 · 6.59% APR
6.09%6.59%7.09%Oct 12, 2026: 6.59% APROct 12, 2026Oct 13, 2026
Landings Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.83%
2800 S Mill Ave, Tempe, AZ, 85282
Used Vehicles (2015 & Older, Higher Mileage & Classic Vehicles) Loan
6.64%
63 months
View
▼
APR6.64%
Term63 months
Last UpdatedOct 13, 2026
Details

As Low As; Fixed Rate; Rates as of September 23, 2026

Rate History
1 change since Sep 14, 2026 · 6.24% → 6.64% ▲ 0.40 pts · high 6.64% / low 6.24%
5.74%6.44%7.14%Sep 14, 2026: 6.24% APRSep 29, 2026: 6.64% APRSep 14, 2026Oct 13, 2026
  • Sep 29, 20266.64%▲ from 6.24%
  • Sep 14, 20266.24%first recorded
Winslow Santa Fe Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.34%
1021 N Williamson Ave, Winslow, AZ, 86047 3738
Used Cars (2024 and older) Loan
6.69%
66 months
View
▼
APR6.69%
Term66 months
Last UpdatedOct 13, 2026
Details

Over $20,000; interest rates based on approved credit on scores 675-750

Rate History
No change since Sep 14, 2026 · 6.69% APR · checked 6 times
6.19%6.69%7.19%Sep 14, 2026: 6.69% APRSep 14, 2026Oct 13, 2026
Southeastern Arizona Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.57%
1600 N Pan American Ave, Douglas, AZ, 85607
Used Vehicle 2012 and Newer Loan
6.75%
Up to 72 months
View
▼
APR6.75%
TermUp to 72 months
Last UpdatedOct 12, 2026
Details

As Low As; Amount: Up to $25,000; Max term: Up to 72 months

Rate History
No change since Oct 12, 2026 · 6.75% APR
6.25%6.75%7.25%Oct 12, 2026: 6.75% APROct 12, 2026Oct 13, 2026
SunWest Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.68%
5323 N 99th Ave Ste 220, Glendale, AZ, 85305 2224
Auto Loan - Used
6.89%
72 months
View
▼
APR6.89%
Term72 months
Last UpdatedOct 12, 2026
Details

As Low As; Model Year: 2024 + older Used

Rate History
No change since Oct 12, 2026 · 6.89% APR
6.39%6.89%7.39%Oct 12, 2026: 6.89% APROct 12, 2026Oct 13, 2026
Landings Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.83%
2800 S Mill Ave, Tempe, AZ, 85282
Used Vehicles 2016-2020 Loan
6.89%
84 months
View
▼
APR6.89%
Term84 months
Last UpdatedOct 13, 2026
Details

As Low As; Fixed Rates

Rate History
1 change since Sep 14, 2026 · 6.49% → 6.89% ▲ 0.40 pts · high 6.89% / low 6.49%
5.99%6.69%7.39%Sep 14, 2026: 6.49% APRSep 29, 2026: 6.89% APRSep 14, 2026Oct 13, 2026
  • Sep 29, 20266.89%▲ from 6.49%
  • Sep 14, 20266.49%first recorded

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.

View Full Arizona Auto Trends
New Auto Loan AZ Avg
5.279%
▲ 0.016 vs 7 days ago

Arizona new auto rates rose 0.016 points over the past 7 days to 5.279% APR.

Used Auto Loan AZ Avg
5.715%
▼ 0.041 vs 7 days ago

Arizona used auto rates fell 0.041 points over the past 7 days to 5.715% APR.

As of Oct 13, 2026 • Rate data sourced from 8,500+ monitored institutions

Arizona Auto Loan Rate Forecast, Next 12 Months

Auto loan APRs track lender funding costs, which follow Federal Reserve policy. Our model projects the likely path of new and used auto averages from the current Arizona figures.

Current New Auto Avg
5.28%
APR, as of Oct 13, 2026
6-Month Forecast
5.36%
Fed hold assumed
12-Month Forecast
5.43%
Range: 5.08% to 5.63%
Forecast Methodology & Assumptions

Key assumptions: the Federal Reserve holds the federal funds rate at its current level over the next 12 months, with the possibility of one 25 basis point increase; auto lenders reprice within one to two policy cycles as funding costs move, and credit union pricing tends to lag banks slightly.

Important notice: this forecast is for informational purposes only and should not be used as the sole basis for financial decisions. Rate forecasts carry significant uncertainty. The actual trajectory will depend on Federal Reserve decisions, economic conditions, and competitive dynamics among financial institutions.

Powered byMonitorBankRates

What Would Your Monthly Car Payment Be?

Estimated monthly payments on a standard 60-month auto loan at today’s average Arizona APRs. Even a small APR difference adds up over the life of a car loan. Use the calculator below to model your exact loan.

Loan Amount New Auto @ 5.28% APR
AZ average		 Used Auto @ 5.71% APR
AZ average		 Monthly Difference
$15,000 $284.99/mo $288.01/mo $3.02/mo
$25,000 $474.98/mo $480.01/mo $5.03/mo
$35,000 $664.97/mo $672.02/mo $7.04/mo
$45,000 $854.97/mo $864.02/mo $9.06/mo

Principal and interest only, 60-month term, calculated from current average APRs. Taxes, title, registration, and optional add-ons are not included. Your APR depends on credit score, loan term, vehicle age, and lender underwriting.

Powered byMonitorBankRates

How to Get the Best Auto Loan Rate in Arizona

1

Get Preapproved Before You Shop

A preapproval from a bank or credit union serving Arizona locks in a real rate before you set foot on a dealer lot. It turns you into a cash buyer, gives you a benchmark to beat, and protects you from dealer financing markups. Dealers can legally add points to the rate a lender actually approved you for.

2

Check Credit Unions First

Credit unions consistently offer some of the lowest auto loan APRs in Arizona. Membership is usually easier to get than people expect. Many local credit unions accept anyone who lives, works, or worships in the area, and some let you join with a small donation to a partner charity.

3

Choose the Shortest Term You Can Afford

Shorter terms almost always carry lower APRs, and you pay interest for fewer months. A 72- or 84-month loan lowers the monthly payment but dramatically raises total interest cost and increases the time you spend “underwater”, owing more than the car is worth. Aim for 60 months or less if the payment fits your budget.

4

Mind the New vs. Used Rate Spread

Used car loans typically run 0.5 to 1.5 percentage points above new car rates. If you’re shopping late-model used vehicles, ask about certified pre-owned programs. CPO vehicles sometimes qualify for new-car financing rates, which can offset part of the price difference between the two.

Building a down payment, or is an auto loan not the right fit?

Arizona Financial Snapshot

Local demographics and economic context for car buyers. Source: U.S. Census Bureau

$45,474
Median Individual Earnings
National avg: $47,340
5.1%
Unemployment Rate
National avg: 4.8%
12.5%
Poverty Rate
National avg: 11.1%
$570/mo
Payment on a $30K / 60-mo Loan
At AZ new-auto avg 5.28% APR

A $570 monthly car payment works out to roughly 15.0% of the median individual income in Arizona. Most budgeting guidelines suggest keeping total vehicle costs (payment, insurance, fuel, and maintenance) under 15 to 20% of take-home pay.

Auto Financing Options Compared

An auto loan isn’t the only way to finance a vehicle in Arizona, but for most borrowers it’s the cheapest. Here’s how the main options stack up.

Feature Credit Union Auto Loan Bank Auto Loan Dealer Financing Personal Loan
Typical APR Level ✓ Often lowest ✓ Competitive ● Varies, can be marked up ✗ Highest (unsecured)
Rate Locked Before You Shop ✓ Yes, via preapproval ✓ Yes, via preapproval ✗ Arranged at the dealership ✓ Yes
Membership / Relationship Required ● Membership (usually easy) ✗ No ✗ No ✗ No
Works for Private-Party Sales ✓ Usually ● Sometimes ✗ No ✓ Yes
Convenience at Purchase ● Preapproval step first ● Preapproval step first ✓ One-stop at the dealer ● Funds in 1 to 3 days
Best For Lowest total cost of borrowing Existing bank customers & rate discounts Manufacturer 0% promos on new cars Older vehicles lenders won’t finance

General comparison for educational purposes. Manufacturer promotional financing (0 to 2.9% APR offers) through dealers can beat any bank or credit union rate when you qualify. Always compare the promo against a cash rebate plus outside financing.

Auto Loan Payment Calculator

Estimate your monthly payment on a new or used vehicle in Arizona. We’ve prefilled the APR with today’s AZ new-auto average, or click any current rate on the right to apply it instantly.

$
$
%
Current Rates: Click to Apply
$0
Estimated Monthly Payment
Loan Amount$0
Total Interest Paid$0
Total of All Payments$0
Total Cost incl. Down Payment$0

Estimates include principal and interest only. Sales tax, title, registration, documentation fees, and optional products (GAP, warranties) are not included and are often financed into the loan. Advertised APRs typically require excellent credit; your rate may differ.

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.

Bad Credit Auto Loans in Arizona

You can get a car loan with bad credit, but your credit score moves the APR more than almost anything else. Lenders sort borrowers into tiers, and the average used car loan for a subprime borrower costs more than twice what a prime borrower pays. On a $25,000 used car loan over 60 months, that gap adds up to about $8,000 in extra interest.

Avg. new car loan we track: 5.97% APR Avg. used car loan we track: 6.70% APR
Credit TierScore RangeNew Car APRUsed Car APR$25,000 Used, 60 Mo.
Super prime781 to 8504.41%6.29%$487/mo
Prime661 to 7806.15%8.81%$517/mo
Near prime601 to 6609.71%13.93%$581/mo
Subprime501 to 60013.52%19.10%$650/mo
Deep subprime300 to 50016.11%21.62%$685/mo

Average APRs from Experian, State of the Automotive Finance Market, Q2 2026 (VantageScore 4.0). Payment is principal and interest only.

Get Preapproved Before the Dealer

A preapproval from a bank or credit union gives you a real rate to compare. Dealers can add a markup to the rate a lender approves, and bad credit car buyers are the easiest to overcharge.

Start With a Credit Union

Federal credit unions cannot charge more than 18% APR on most loans through September 10, 2027, and many will look past your score at your income and history with them.

Put More Money Down

A larger down payment lowers the lender's risk and keeps you from owing more than the car is worth. Even 10% to 20% down can move a borderline application to an approval.

Keep the Term Short

A 72 or 84 month loan lowers the payment but stacks interest on top of an already high APR. Choose a less expensive car before you choose a longer term.

Add a Cosigner

A cosigner with strong credit can get you a prime rate. They are fully responsible for the loan if you miss payments, so only ask someone who understands that.

Be Careful With Buy Here Pay Here

These lots approve almost anyone, but often at the highest legal rates and on older cars. Many do not report on time payments to the credit bureaus, so the loan may not help rebuild your score.

See Bad Credit Car Loans
Powered byMonitorBankRates

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.

Should I get preapproved for an auto loan before visiting a dealer in Arizona?

Yes. A preapproval from a bank or credit union serving Arizona gives you a real rate to compare against dealer financing and turns you into a cash buyer at the negotiating table. Dealers often mark up the rates they arrange, so walking in with a preapproved offer routinely saves buyers money on the financing side of the deal.

Why are used car loan rates higher than new car rates?

Lenders charge more for used vehicles because they are harder to value, depreciate unpredictably, and carry more repossession risk. The spread between new and used rates is typically 0.5 to 1.5 percentage points. A late-model certified pre-owned vehicle sometimes qualifies for new-car rates, so ask the lender how they classify the vehicle before assuming the used rate applies.

Can I refinance my auto loan if rates drop or my credit improves?

Yes. Auto loan refinancing is usually fast and often fee-free. If your credit score has improved since you bought the vehicle, or you financed at a marked-up dealer rate, refinancing with a bank or credit union serving Arizona can lower your monthly payment or shorten your term. It makes the most sense early in the loan, while most of your payments are still going to interest.

Can I get an auto loan with bad credit in Arizona?

Yes. Banks, credit unions, and dealer lenders all finance borrowers with subprime credit, but at higher rates. Getting preapproved by a credit union before you visit a dealer, putting more money down, and choosing a shorter term all improve your chances of approval and lower the total cost.

What is the average car loan rate for bad credit?

According to Experian, in the second quarter of 2026 subprime borrowers (scores 501 to 600) paid an average of 13.52% APR on new cars and 19.10% on used cars. Deep subprime borrowers (300 to 500) averaged 16.11% on new and 21.62% on used. Prime borrowers averaged 6.15% and 8.81%.

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)
  • Navy Federal Credit Union: 3.89% (New Auto Loan)
  • Southwest Airlines Federal Credit Union: 3.94% (New Auto)
  • Arrowhead Central Credit Union: 3.99% (New & Used Autos)
  • Florida West Coast Credit Union: 3.99% (New Automobile (2025 & newer))
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: October 13, 2026

Arizona Rates & Resources

$
Arizona Mortgage Rates
$
Arizona Refinance Rates
$
Arizona Home Equity Loan Rates
$
Arizona CD Rates
$
Arizona Savings Rates
$
Arizona Money Market Rates
$
Arizona Checking Rates
$
Arizona Personal Loan Rates
$
Arizona Homeowners Insurance
$
Arizona Car Insurance
%
Arizona Auto Loan Calculator

Auto Loan Rates by City in Arizona