Auto Loan Rates in Phoenix, Arizona (AZ) for April 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of local and national lenders actively lending to borrowers in Phoenix, Arizona. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
Current auto loan rates in Phoenix, Arizona include American Airlines Federal Credit UnionAmerican Airlines Federal Credit Union3800 E Sky Harbor Blvd Terminal 4, Phoenix, AZ, 85034A+5.0 ★Texas Ratio: 2.63% offering New Auto at 3.74%, Florida West Coast Credit UnionFlorida West Coast Credit Union4801 E THISTLE LANDING DR, PHOENIX, AZ, 85044A+5.0 ★Texas Ratio: 1.98% offering New Automobile (2025 & newer) at 4.60%, Banner Federal Credit UnionBanner Federal Credit Union9321 W Thomas Rd, Phoenix, AZ, 85037 3389A+5.0 ★Texas Ratio: 1.93% offering 2022 - New Auto Loan at 5.24%, Sharefax Credit UnionSharefax Credit Union615 N 48th St, Phoenix, AZ, 85008 6608A+5.0 ★Texas Ratio: 4.21% offering MODEL YEAR 2023 & NEWER Vehicle Loan at 5.39%, Interfaith Federal Credit UnionInterfaith Federal Credit Union1550 E Meadowbrook Ave Ste B, Phoenix, AZ, 85014 4040A+5.0 ★Texas Ratio: 1.60% offering New Autos, SUVs, Trucks, Vans at 5.49%. Auto loan rates as of April 19, 2026 according to verified data from MonitorBankRates.
Phoenix has 8 local institutions in our database, with auto loan rates as low as 3.74% APR from American Airlines Federal Credit Union at 3800 E Sky Harbor Blvd Terminal 4, Phoenix, AZ, 85034. Use the tabs below to compare new and used auto loan rates. Rates are continually updated — we recommend checking back frequently.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in Phoenix, Arizona. Auto Loan Rates Last Updated and Verified: April 19, 2026
Compare Auto Loan Rates Today in Phoenix, Arizona & Surrounding Area
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: 2.63%
3800 E Sky Harbor Blvd Terminal 4, Phoenix, AZ, 85034
New Auto
3.74%
Up to 36 Months
▼
APR3.74%
TermUp to 36 Months
Last UpdatedApr 18, 2026
Details
As Low As
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
3800 E Sky Harbor Blvd Terminal 4, Phoenix, AZ, 85034
Used Auto
4.24%
Up to 36 Months
▼
APR4.24%
TermUp to 36 Months
Last UpdatedApr 18, 2026
Details
As Low As
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
3800 E Sky Harbor Blvd Terminal 4, Phoenix, AZ, 85034
New Auto
4.49%
Up to 60 months
▼
APR4.49%
TermUp to 60 months
Last UpdatedApr 18, 2026
Details
As Low As
Florida West Coast Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.98%
4801 E THISTLE LANDING DR, PHOENIX, AZ, 85044
New Automobile (2025 & newer)
4.60%
84 Months
▼
APR4.60%
Term84 Months
Last UpdatedApr 19, 2026
Details
As Low As
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
3800 E Sky Harbor Blvd Terminal 4, Phoenix, AZ, 85034
Used Auto
4.99%
Up to 60 months
▼
APR4.99%
TermUp to 60 months
Last UpdatedApr 18, 2026
Details
As Low As
Florida West Coast Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.98%
4801 E THISTLE LANDING DR, PHOENIX, AZ, 85044
Used Automobile (2017 & newer)
5.10%
72 Months
▼
APR5.10%
Term72 Months
Last UpdatedApr 19, 2026
Details
As Low As
Banner Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.93%
9321 W Thomas Rd, Phoenix, AZ, 85037 3389
2022 - New Auto Loan
5.24%
0-60
▼
APR5.24%
Term0-60
Last UpdatedApr 19, 2026
Details
As Low As
Sharefax Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.21%
615 N 48th St, Phoenix, AZ, 85008 6608
MODEL YEAR 2023 & NEWER Vehicle Loan
5.39%
63 Months
▼
APR5.39%
Term63 Months
Last UpdatedApr 18, 2026
Details
As Low As; Up to 63 Months
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
1550 E Meadowbrook Ave Ste B, Phoenix, AZ, 85014 4040
New Autos, SUVs, Trucks, Vans
5.49%
3-7 year term
▼
APR5.49%
Term3-7 year term
Last UpdatedApr 18, 2026
Details
As Low As
Banner Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.93%
9321 W Thomas Rd, Phoenix, AZ, 85037 3389
2022 - New Auto Loan
5.49%
61-72
▼
APR5.49%
Term61-72
Last UpdatedApr 19, 2026
Details
As Low As
Banner Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.93%
9321 W Thomas Rd, Phoenix, AZ, 85037 3389
New Auto Loan
5.49%
0-60
▼
APR5.49%
Term0-60
Last UpdatedApr 19, 2026
Details
As Low As
Alhambra Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.81%
7339 N 35th Ave, Phoenix, AZ, 85051
New Vehicle
5.50%
60 Months
▼
APR5.50%
Term60 Months
Last UpdatedApr 18, 2026
Details
As Low As
Vantage West Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.58%
10440 N 32nd St, Phoenix, AZ, 85028
Auto Loan 48 Months
5.55%
48 Months
▼
APR5.55%
Term48 Months
Last UpdatedApr 19, 2026
Details
Banner Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.93%
9321 W Thomas Rd, Phoenix, AZ, 85037 3389
New Auto Loan
5.74%
61-72
▼
APR5.74%
Term61-72
Last UpdatedApr 19, 2026
Details
As Low As
Vantage West Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.58%
10440 N 32nd St, Phoenix, AZ, 85028
Auto Loan 60 Months
5.80%
60 Months
▼
APR5.80%
Term60 Months
Last UpdatedApr 19, 2026
Details
Sharefax Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.21%
615 N 48th St, Phoenix, AZ, 85008 6608
MODEL YEAR 2023 & NEWER Vehicle Loan
5.89%
75 Months
▼
APR5.89%
Term75 Months
Last UpdatedApr 18, 2026
Details
As Low As; Up to 75 Months
Alhambra Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.81%
7339 N 35th Ave, Phoenix, AZ, 85051
Used Vehicle
5.99%
60 Months
▼
APR5.99%
Term60 Months
Last UpdatedApr 18, 2026
Details
As Low As
Alhambra Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.81%
7339 N 35th Ave, Phoenix, AZ, 85051
New Vehicle
6.00%
72 Months
▼
APR6.00%
Term72 Months
Last UpdatedApr 18, 2026
Details
As Low As
Sharefax Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.21%
615 N 48th St, Phoenix, AZ, 85008 6608
MODEL YEAR 2020-2022 Vehicle Loan
6.04%
63 Months
▼
APR6.04%
Term63 Months
Last UpdatedApr 18, 2026
Details
As Low As; Up to 63 Months
Vantage West Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.58%
10440 N 32nd St, Phoenix, AZ, 85028
Auto Loan 72 Months
6.15%
72 Months
▼
APR6.15%
Term72 Months
Last UpdatedApr 19, 2026
Details
Banner Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.93%
9321 W Thomas Rd, Phoenix, AZ, 85037 3389
2022 - New Auto Loan
6.24%
73-84
▼
APR6.24%
Term73-84
Last UpdatedApr 19, 2026
Details
As Low As
Sharefax Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.21%
615 N 48th St, Phoenix, AZ, 85008 6608
MODEL YEAR 2019 and Older Vehicle Loan
6.44%
63 Months
▼
APR6.44%
Term63 Months
Last UpdatedApr 18, 2026
Details
As Low As; Up to 63 Months
Sharefax Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.21%
615 N 48th St, Phoenix, AZ, 85008 6608
MODEL YEAR 2020-2022 Vehicle Loan
6.44%
75 Months
▼
APR6.44%
Term75 Months
Last UpdatedApr 18, 2026
Details
As Low As; Up to 75 Months
Vantage West Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.58%
10440 N 32nd St, Phoenix, AZ, 85028
Auto Loan 84 Months
6.45%
84 Months
▼
APR6.45%
Term84 Months
Last UpdatedApr 19, 2026
Details
Sharefax Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.21%
615 N 48th St, Phoenix, AZ, 85008 6608
MODEL YEAR 2023 & NEWER Vehicle Loan
6.49%
84 Months
▼
APR6.49%
Term84 Months
Last UpdatedApr 18, 2026
Details
As Low As; Up to 84 Months
Banner Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.93%
9321 W Thomas Rd, Phoenix, AZ, 85037 3389
New Auto Loan
6.49%
73-84
▼
APR6.49%
Term73-84
Last UpdatedApr 19, 2026
Details
As Low As
Alhambra Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.81%
7339 N 35th Ave, Phoenix, AZ, 85051
New Vehicle
6.50%
84 Months
▼
APR6.50%
Term84 Months
Last UpdatedApr 18, 2026
Details
As Low As
Alhambra Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.81%
7339 N 35th Ave, Phoenix, AZ, 85051
Used Vehicle
6.50%
72 Months
▼
APR6.50%
Term72 Months
Last UpdatedApr 18, 2026
Details
As Low As
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
1550 E Meadowbrook Ave Ste B, Phoenix, AZ, 85014 4040
Used Autos, SUVs, Trucks, Vans
6.99%
3-7 year term
▼
APR6.99%
Term3-7 year term
Last UpdatedApr 18, 2026
Details
As Low As
Sharefax Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.21%
615 N 48th St, Phoenix, AZ, 85008 6608
MODEL YEAR 2016 - 2019 Vehicle Loan
6.99%
75 Months
▼
APR6.99%
Term75 Months
Last UpdatedApr 18, 2026
Details
As Low As; Up to 75 Months
Sharefax Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.21%
615 N 48th St, Phoenix, AZ, 85008 6608
MODEL YEAR 2020-2022 Vehicle Loan
7.24%
84 Months
▼
APR7.24%
Term84 Months
Last UpdatedApr 18, 2026
Details
As Low As; Up to 84 Months
Banner Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.93%
9321 W Thomas Rd, Phoenix, AZ, 85037 3389
2017-2021 Auto Loan
7.24%
0-60
▼
APR7.24%
Term0-60
Last UpdatedApr 19, 2026
Details
As Low As
Banner Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.93%
9321 W Thomas Rd, Phoenix, AZ, 85037 3389
2017-2021 Used Auto Loan
7.24%
0-60
▼
APR7.24%
Term0-60
Last UpdatedApr 19, 2026
Details
As Low As
Sierra Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.56%
1600 E Northern Ave, Phoenix, AZ, 85020 3933
Classic Cars
7.25%
48 Months
▼
APR7.25%
Term48 Months
Last UpdatedApr 17, 2026
Details
As Low As; Rates apply to 2015 or newer models if conditions are met.
Banner Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.93%
9321 W Thomas Rd, Phoenix, AZ, 85037 3389
Used Auto Loan
7.49%
0-60
▼
APR7.49%
Term0-60
Last UpdatedApr 19, 2026
Details
As Low As
Alhambra Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.81%
7339 N 35th Ave, Phoenix, AZ, 85051
Used Vehicle
7.50%
84 Months
▼
APR7.50%
Term84 Months
Last UpdatedApr 18, 2026
Details
As Low As
Banner Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.93%
9321 W Thomas Rd, Phoenix, AZ, 85037 3389
2017-2021 Auto Loan
7.99%
61-72
▼
APR7.99%
Term61-72
Last UpdatedApr 19, 2026
Details
As Low As
Banner Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.93%
9321 W Thomas Rd, Phoenix, AZ, 85037 3389
2017-2021 Used Auto Loan
7.99%
61-72
▼
APR7.99%
Term61-72
Last UpdatedApr 19, 2026
Details
As Low As
Banner Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.93%
9321 W Thomas Rd, Phoenix, AZ, 85037 3389
Used Auto Loan
8.24%
61-72
▼
APR8.24%
Term61-72
Last UpdatedApr 19, 2026
Details
As Low As
Banner Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.93%
9321 W Thomas Rd, Phoenix, AZ, 85037 3389
2017-2021 Auto Loan
8.74%
73-84
▼
APR8.74%
Term73-84
Last UpdatedApr 19, 2026
Details
As Low As
Banner Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.93%
9321 W Thomas Rd, Phoenix, AZ, 85037 3389
2017-2021 Used Auto Loan
8.74%
***73-84
▼
APR8.74%
Term***73-84
Last UpdatedApr 19, 2026
Details
As Low As
Banner Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.93%
9321 W Thomas Rd, Phoenix, AZ, 85037 3389
Used Auto Loan
8.99%
73-84
▼
APR8.99%
Term73-84
Last UpdatedApr 19, 2026
Details
As Low As
TruGrocer Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.15%
Vehicle Loan
3.99%
24 Months
▼
APR3.99%
Term24 Months
Last UpdatedApr 18, 2026
Details
As Low As; 24 month to 84 month terms
Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
New & Used Autos
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedApr 18, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
New & Used Autos
4.49%
24 Months
▼
APR4.49%
Term24 Months
Last UpdatedApr 18, 2026
Details
As Low As
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
New & Used Autos
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedApr 18, 2026
Details
As Low As
Credit Union of Southern California Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
New Auto
4.74%
Up to 60 months
▼
APR4.74%
TermUp to 60 months
Last UpdatedApr 19, 2026
Details
Greenwich Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.08%
New Cars
4.90%
36 Months
▼
APR4.90%
Term36 Months
Last UpdatedApr 18, 2026
Details
America First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.12%
Auto Loan
4.99%
5 Years
▼
APR4.99%
Term5 Years
Last UpdatedApr 18, 2026
Details
As Low As
Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
New & Used Autos
4.99%
48 to 60 Months
▼
APR4.99%
Term48 to 60 Months
Last UpdatedApr 18, 2026
Details
Credit Union of Southern California Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
New Auto
4.99%
Up to 72 months
▼
APR4.99%
TermUp to 72 months
Last UpdatedApr 19, 2026
Details
Credit Union of Southern California Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
Pre-owned Auto
4.99%
Up to 60 months
▼
APR4.99%
TermUp to 60 months
Last UpdatedApr 19, 2026
Details
APR5.19%
Term48 months
Last UpdatedApr 17, 2026
Details
APR5.19%
Term48 months
Last UpdatedApr 17, 2026
Details
Prescott Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
New Auto loans
5.19%
84 Months
▼
APR5.19%
Term84 Months
Last UpdatedApr 17, 2026
Details
As Low As
Idaho Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
Auto Loan
5.19%
48 Months
▼
APR5.19%
Term48 Months
Last UpdatedApr 19, 2026
Details
As Low As; *The annual percentage rates (APR) listed are our best rates. Your rate and/or term may vary depending on vehicle age, credit history, and underwriting criteria. Rates updated daily.
America First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.12%
Auto Loan
5.24%
6 Years
▼
APR5.24%
Term6 Years
Last UpdatedApr 18, 2026
Details
As Low As
America First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.12%
Auto Loan - Declining Rate Auto
5.24%
5 Years
▼
APR5.24%
Term5 Years
Last UpdatedApr 18, 2026
Details
As Low As
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
New & Used Autos
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedApr 18, 2026
Details
As Low As
Credit Union of Southern California Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
Pre-owned Auto
5.24%
Up to 72 months
▼
APR5.24%
TermUp to 72 months
Last UpdatedApr 19, 2026
Details
APR5.39%
Term60 months
Last UpdatedApr 17, 2026
Details
APR5.39%
Term60 months
Last UpdatedApr 17, 2026
Details
Credit Union of Southern California Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
New Auto
5.39%
Up to 84 months
▼
APR5.39%
TermUp to 84 months
Last UpdatedApr 19, 2026
Details
Prescott Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
New Auto loans
5.44%
84 Months
▼
APR5.44%
Term84 Months
Last UpdatedApr 17, 2026
Details
As Low As
Idaho Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
Auto Loan
5.44%
60 Months
▼
APR5.44%
Term60 Months
Last UpdatedApr 19, 2026
Details
As Low As; *The annual percentage rates (APR) listed are our best rates. Your rate and/or term may vary depending on vehicle age, credit history, and underwriting criteria. Rates updated daily.
Prescott Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
Used Auto loans
5.49%
84 Months
▼
APR5.49%
Term84 Months
Last UpdatedApr 17, 2026
Details
As Low As
Rim Country Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.46%
NEW & USED VEHICLES 12 yrs or newer
5.49%
48 Months
▼
APR5.49%
Term48 Months
Last UpdatedApr 18, 2026
Details
As Low As
Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
New & Used Autos
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedApr 18, 2026
Details
Landings Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.77%
New Vehicles 2025 & Newer
5.49%
48 months
▼
APR5.49%
Term48 months
Last UpdatedApr 19, 2026
Details
As Low As
Credit Union of Southern California Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
Pre-owned Auto
5.64%
Up to 84 months
▼
APR5.64%
TermUp to 84 months
Last UpdatedApr 19, 2026
Details
APR5.69%
Term72 months
Last UpdatedApr 17, 2026
Details
APR5.69%
Term72 months
Last UpdatedApr 17, 2026
Details
Prescott Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
Used Auto Loans
5.74%
84 Months
▼
APR5.74%
Term84 Months
Last UpdatedApr 17, 2026
Details
As Low As
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
New & Used Vehicles2
5.74%
Up to 2 years
▼
APR5.74%
TermUp to 2 years
Last UpdatedApr 18, 2026
Details
Rim Country Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.46%
NEW & USED VEHICLES 12 yrs or newer
5.74%
60 Months
▼
APR5.74%
Term60 Months
Last UpdatedApr 18, 2026
Details
As Low As
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
New & Used Autos
5.74%
84 Months
▼
APR5.74%
Term84 Months
Last UpdatedApr 18, 2026
Details
As Low As
Landings Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.77%
New Vehicles 2025 & Newer
5.74%
60 months
▼
APR5.74%
Term60 months
Last UpdatedApr 19, 2026
Details
As Low As
Idaho Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
Auto Loan
5.74%
72 Months
▼
APR5.74%
Term72 Months
Last UpdatedApr 19, 2026
Details
As Low As; *The annual percentage rates (APR) listed are our best rates. Your rate and/or term may vary depending on vehicle age, credit history, and underwriting criteria. Rates updated daily.
Greenwich Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.08%
New Cars
5.90%
72 Months
▼
APR5.90%
Term72 Months
Last UpdatedApr 18, 2026
Details
Greenwich Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.08%
Used Cars
5.90%
36 Months
▼
APR5.90%
Term36 Months
Last UpdatedApr 18, 2026
Details
Rim Country Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.46%
NEW & USED VEHICLES 12 yrs or newer
5.99%
72 Months
▼
APR5.99%
Term72 Months
Last UpdatedApr 18, 2026
Details
As Low As
America First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.12%
Auto Loan
5.99%
7 Years
▼
APR5.99%
Term7 Years
Last UpdatedApr 18, 2026
Details
As Low As
Pyramid Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.00%
New & Used Vehicle Loan
5.99%
36 Months
▼
APR5.99%
Term36 Months
Last UpdatedApr 18, 2026
Details
As Low As
Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
New & Used Autos
5.99%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedApr 18, 2026
Details
Landings Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.77%
New Vehicles 2025 & Newer
5.99%
72 months
▼
APR5.99%
Term72 months
Last UpdatedApr 19, 2026
Details
As Low As
APR6.19%
Term84 months
Last UpdatedApr 17, 2026
Details
APR6.19%
Term84 months
Last UpdatedApr 17, 2026
Details
Greenwich Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.08%
New Cars
6.90%
84 Months
▼
APR6.90%
Term84 Months
Last UpdatedApr 18, 2026
Details
Greenwich Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.08%
Used Cars
6.90%
72 Months
▼
APR6.90%
Term72 Months
Last UpdatedApr 18, 2026
Details
Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
New & Used Autos
7.49%
84 Months
▼
APR7.49%
Term84 Months
Last UpdatedApr 18, 2026
Details
Credit Union of Southern California Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
Pre-owned
7.49%
up to 84 months
▼
APR7.49%
Termup to 84 months
Last UpdatedApr 19, 2026
Details
America First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.12%
Auto Loan - (Minimum Loan Amount of Required)
7.74%
8 Years
▼
APR7.74%
Term8 Years
Last UpdatedApr 18, 2026
Details
$30,000; As Low As
Greenwich Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.08%
Used Cars
7.90%
84 Months
▼
APR7.90%
Term84 Months
Last UpdatedApr 18, 2026
Details
Credit Union of Southern California Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
Pre-owned
8.49%
up to 180 months
▼
APR8.49%
Termup to 180 months
Last UpdatedApr 19, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
Classic Vehicle Loans2
8.99%
Up to 4 years
▼
APR8.99%
TermUp to 4 years
Last UpdatedApr 18, 2026
Details
Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
Smart Start New & Used Auto
10.49%
60 Months
▼
APR10.49%
Term60 Months
Last UpdatedApr 18, 2026
Details
Up to 60 Months (Dependent on amount financed)
Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
Smart Start New & Used Auto
10.99%
72 Months
▼
APR10.99%
Term72 Months
Last UpdatedApr 18, 2026
Details
72 Months (Dependent on amount financed)
Credit Union of Southern California Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
New Auto
11.39%
Up to 84 months
▼
APR11.39%
TermUp to 84 months
Last UpdatedApr 19, 2026
Details
Credit Union of Southern California Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
Pre-owned
11.49%
up to 84 months
▼
APR11.49%
Termup to 84 months
Last UpdatedApr 19, 2026
Details
Pyramid Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.00%
Commercial Vehicle Loan
11.50%
96 Months
▼
APR11.50%
Term96 Months
Last UpdatedApr 18, 2026
Details
As Low As
Credit Union of Southern California Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
Pre-owned Auto
11.64%
Up to 84 months
▼
APR11.64%
TermUp to 84 months
Last UpdatedApr 19, 2026
Details
Credit Union of Southern California Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
Pre-owned
12.49%
up to 180 months
▼
APR12.49%
Termup to 180 months
Last UpdatedApr 19, 2026
Details
Credit Union of Southern California Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
New Auto
13.74%
Up to 60 months
▼
APR13.74%
TermUp to 60 months
Last UpdatedApr 19, 2026
Details
Credit Union of Southern California Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
New Auto
13.99%
Up to 72 months
▼
APR13.99%
TermUp to 72 months
Last UpdatedApr 19, 2026
Details
Credit Union of Southern California Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
Pre-owned Auto
13.99%
Up to 60 months
▼
APR13.99%
TermUp to 60 months
Last UpdatedApr 19, 2026
Details
Credit Union of Southern California Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
Pre-owned Auto
14.24%
Up to 72 months
▼
APR14.24%
TermUp to 72 months
Last UpdatedApr 19, 2026
Details
Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
New & Used Autos
16.99%
36 Months
▼
APR16.99%
Term36 Months
Last UpdatedApr 18, 2026
Details
Powered by
MonitorBankRates
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: 2.63%
3800 E Sky Harbor Blvd Terminal 4, Phoenix, AZ, 85034
New Auto
3.74%
Up to 36 Months
▼
APR3.74%
TermUp to 36 Months
Last UpdatedApr 18, 2026
Details
As Low As
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
3800 E Sky Harbor Blvd Terminal 4, Phoenix, AZ, 85034
New Auto
4.49%
Up to 60 months
▼
APR4.49%
TermUp to 60 months
Last UpdatedApr 18, 2026
Details
As Low As
Florida West Coast Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.98%
4801 E THISTLE LANDING DR, PHOENIX, AZ, 85044
New Automobile (2025 & newer)
4.60%
84 Months
▼
APR4.60%
Term84 Months
Last UpdatedApr 19, 2026
Details
As Low As
Florida West Coast Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.98%
4801 E THISTLE LANDING DR, PHOENIX, AZ, 85044
Used Automobile (2017 & newer)
5.10%
72 Months
▼
APR5.10%
Term72 Months
Last UpdatedApr 19, 2026
Details
As Low As
Banner Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.93%
9321 W Thomas Rd, Phoenix, AZ, 85037 3389
2022 - New Auto Loan
5.24%
0-60
▼
APR5.24%
Term0-60
Last UpdatedApr 19, 2026
Details
As Low As
Sharefax Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.21%
615 N 48th St, Phoenix, AZ, 85008 6608
MODEL YEAR 2023 & NEWER Vehicle Loan
5.39%
63 Months
▼
APR5.39%
Term63 Months
Last UpdatedApr 18, 2026
Details
As Low As; Up to 63 Months
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
1550 E Meadowbrook Ave Ste B, Phoenix, AZ, 85014 4040
New Autos, SUVs, Trucks, Vans
5.49%
3-7 year term
▼
APR5.49%
Term3-7 year term
Last UpdatedApr 18, 2026
Details
As Low As
Banner Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.93%
9321 W Thomas Rd, Phoenix, AZ, 85037 3389
2022 - New Auto Loan
5.49%
61-72
▼
APR5.49%
Term61-72
Last UpdatedApr 19, 2026
Details
As Low As
Banner Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.93%
9321 W Thomas Rd, Phoenix, AZ, 85037 3389
New Auto Loan
5.49%
0-60
▼
APR5.49%
Term0-60
Last UpdatedApr 19, 2026
Details
As Low As
Alhambra Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.81%
7339 N 35th Ave, Phoenix, AZ, 85051
New Vehicle
5.50%
60 Months
▼
APR5.50%
Term60 Months
Last UpdatedApr 18, 2026
Details
As Low As
Banner Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.93%
9321 W Thomas Rd, Phoenix, AZ, 85037 3389
New Auto Loan
5.74%
61-72
▼
APR5.74%
Term61-72
Last UpdatedApr 19, 2026
Details
As Low As
Sharefax Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.21%
615 N 48th St, Phoenix, AZ, 85008 6608
MODEL YEAR 2023 & NEWER Vehicle Loan
5.89%
75 Months
▼
APR5.89%
Term75 Months
Last UpdatedApr 18, 2026
Details
As Low As; Up to 75 Months
Alhambra Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.81%
7339 N 35th Ave, Phoenix, AZ, 85051
New Vehicle
6.00%
72 Months
▼
APR6.00%
Term72 Months
Last UpdatedApr 18, 2026
Details
As Low As
Banner Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.93%
9321 W Thomas Rd, Phoenix, AZ, 85037 3389
2022 - New Auto Loan
6.24%
73-84
▼
APR6.24%
Term73-84
Last UpdatedApr 19, 2026
Details
As Low As
Sharefax Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.21%
615 N 48th St, Phoenix, AZ, 85008 6608
MODEL YEAR 2023 & NEWER Vehicle Loan
6.49%
84 Months
▼
APR6.49%
Term84 Months
Last UpdatedApr 18, 2026
Details
As Low As; Up to 84 Months
Banner Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.93%
9321 W Thomas Rd, Phoenix, AZ, 85037 3389
New Auto Loan
6.49%
73-84
▼
APR6.49%
Term73-84
Last UpdatedApr 19, 2026
Details
As Low As
Alhambra Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.81%
7339 N 35th Ave, Phoenix, AZ, 85051
New Vehicle
6.50%
84 Months
▼
APR6.50%
Term84 Months
Last UpdatedApr 18, 2026
Details
As Low As
Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
New & Used Autos
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedApr 18, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
New & Used Autos
4.49%
24 Months
▼
APR4.49%
Term24 Months
Last UpdatedApr 18, 2026
Details
As Low As
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
New & Used Autos
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedApr 18, 2026
Details
As Low As
Credit Union of Southern California Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
New Auto
4.74%
Up to 60 months
▼
APR4.74%
TermUp to 60 months
Last UpdatedApr 19, 2026
Details
Greenwich Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.08%
New Cars
4.90%
36 Months
▼
APR4.90%
Term36 Months
Last UpdatedApr 18, 2026
Details
Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
New & Used Autos
4.99%
48 to 60 Months
▼
APR4.99%
Term48 to 60 Months
Last UpdatedApr 18, 2026
Details
Credit Union of Southern California Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
New Auto
4.99%
Up to 72 months
▼
APR4.99%
TermUp to 72 months
Last UpdatedApr 19, 2026
Details
APR5.19%
Term48 months
Last UpdatedApr 17, 2026
Details
Prescott Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
New Auto loans
5.19%
84 Months
▼
APR5.19%
Term84 Months
Last UpdatedApr 17, 2026
Details
As Low As
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
New & Used Autos
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedApr 18, 2026
Details
As Low As
APR5.39%
Term60 months
Last UpdatedApr 17, 2026
Details
Credit Union of Southern California Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
New Auto
5.39%
Up to 84 months
▼
APR5.39%
TermUp to 84 months
Last UpdatedApr 19, 2026
Details
Prescott Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
New Auto loans
5.44%
84 Months
▼
APR5.44%
Term84 Months
Last UpdatedApr 17, 2026
Details
As Low As
Rim Country Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.46%
NEW & USED VEHICLES 12 yrs or newer
5.49%
48 Months
▼
APR5.49%
Term48 Months
Last UpdatedApr 18, 2026
Details
As Low As
Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
New & Used Autos
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedApr 18, 2026
Details
Landings Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.77%
New Vehicles 2025 & Newer
5.49%
48 months
▼
APR5.49%
Term48 months
Last UpdatedApr 19, 2026
Details
As Low As
APR5.69%
Term72 months
Last UpdatedApr 17, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
New & Used Vehicles2
5.74%
Up to 2 years
▼
APR5.74%
TermUp to 2 years
Last UpdatedApr 18, 2026
Details
Rim Country Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.46%
NEW & USED VEHICLES 12 yrs or newer
5.74%
60 Months
▼
APR5.74%
Term60 Months
Last UpdatedApr 18, 2026
Details
As Low As
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
New & Used Autos
5.74%
84 Months
▼
APR5.74%
Term84 Months
Last UpdatedApr 18, 2026
Details
As Low As
Landings Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.77%
New Vehicles 2025 & Newer
5.74%
60 months
▼
APR5.74%
Term60 months
Last UpdatedApr 19, 2026
Details
As Low As
Greenwich Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.08%
New Cars
5.90%
72 Months
▼
APR5.90%
Term72 Months
Last UpdatedApr 18, 2026
Details
Rim Country Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.46%
NEW & USED VEHICLES 12 yrs or newer
5.99%
72 Months
▼
APR5.99%
Term72 Months
Last UpdatedApr 18, 2026
Details
As Low As
Pyramid Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.00%
New & Used Vehicle Loan
5.99%
36 Months
▼
APR5.99%
Term36 Months
Last UpdatedApr 18, 2026
Details
As Low As
Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
New & Used Autos
5.99%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedApr 18, 2026
Details
Landings Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.77%
New Vehicles 2025 & Newer
5.99%
72 months
▼
APR5.99%
Term72 months
Last UpdatedApr 19, 2026
Details
As Low As
APR6.19%
Term84 months
Last UpdatedApr 17, 2026
Details
Greenwich Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.08%
New Cars
6.90%
84 Months
▼
APR6.90%
Term84 Months
Last UpdatedApr 18, 2026
Details
Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
New & Used Autos
7.49%
84 Months
▼
APR7.49%
Term84 Months
Last UpdatedApr 18, 2026
Details
Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
Smart Start New & Used Auto
10.49%
60 Months
▼
APR10.49%
Term60 Months
Last UpdatedApr 18, 2026
Details
Up to 60 Months (Dependent on amount financed)
Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
Smart Start New & Used Auto
10.99%
72 Months
▼
APR10.99%
Term72 Months
Last UpdatedApr 18, 2026
Details
72 Months (Dependent on amount financed)
Credit Union of Southern California Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
New Auto
11.39%
Up to 84 months
▼
APR11.39%
TermUp to 84 months
Last UpdatedApr 19, 2026
Details
Credit Union of Southern California Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
New Auto
13.74%
Up to 60 months
▼
APR13.74%
TermUp to 60 months
Last UpdatedApr 19, 2026
Details
Credit Union of Southern California Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
New Auto
13.99%
Up to 72 months
▼
APR13.99%
TermUp to 72 months
Last UpdatedApr 19, 2026
Details
Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
New & Used Autos
16.99%
36 Months
▼
APR16.99%
Term36 Months
Last UpdatedApr 18, 2026
Details
Powered by
MonitorBankRates
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: 2.63%
3800 E Sky Harbor Blvd Terminal 4, Phoenix, AZ, 85034
Used Auto
4.24%
Up to 36 Months
▼
APR4.24%
TermUp to 36 Months
Last UpdatedApr 18, 2026
Details
As Low As
American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
3800 E Sky Harbor Blvd Terminal 4, Phoenix, AZ, 85034
Used Auto
4.99%
Up to 60 months
▼
APR4.99%
TermUp to 60 months
Last UpdatedApr 18, 2026
Details
As Low As
Florida West Coast Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.98%
4801 E THISTLE LANDING DR, PHOENIX, AZ, 85044
Used Automobile (2017 & newer)
5.10%
72 Months
▼
APR5.10%
Term72 Months
Last UpdatedApr 19, 2026
Details
As Low As
Alhambra Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.81%
7339 N 35th Ave, Phoenix, AZ, 85051
Used Vehicle
5.99%
60 Months
▼
APR5.99%
Term60 Months
Last UpdatedApr 18, 2026
Details
As Low As
Alhambra Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.81%
7339 N 35th Ave, Phoenix, AZ, 85051
Used Vehicle
6.50%
72 Months
▼
APR6.50%
Term72 Months
Last UpdatedApr 18, 2026
Details
As Low As
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
1550 E Meadowbrook Ave Ste B, Phoenix, AZ, 85014 4040
Used Autos, SUVs, Trucks, Vans
6.99%
3-7 year term
▼
APR6.99%
Term3-7 year term
Last UpdatedApr 18, 2026
Details
As Low As
Banner Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.93%
9321 W Thomas Rd, Phoenix, AZ, 85037 3389
2017-2021 Used Auto Loan
7.24%
0-60
▼
APR7.24%
Term0-60
Last UpdatedApr 19, 2026
Details
As Low As
Banner Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.93%
9321 W Thomas Rd, Phoenix, AZ, 85037 3389
Used Auto Loan
7.49%
0-60
▼
APR7.49%
Term0-60
Last UpdatedApr 19, 2026
Details
As Low As
Alhambra Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.81%
7339 N 35th Ave, Phoenix, AZ, 85051
Used Vehicle
7.50%
84 Months
▼
APR7.50%
Term84 Months
Last UpdatedApr 18, 2026
Details
As Low As
Banner Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.93%
9321 W Thomas Rd, Phoenix, AZ, 85037 3389
2017-2021 Used Auto Loan
7.99%
61-72
▼
APR7.99%
Term61-72
Last UpdatedApr 19, 2026
Details
As Low As
Banner Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.93%
9321 W Thomas Rd, Phoenix, AZ, 85037 3389
Used Auto Loan
8.24%
61-72
▼
APR8.24%
Term61-72
Last UpdatedApr 19, 2026
Details
As Low As
Banner Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.93%
9321 W Thomas Rd, Phoenix, AZ, 85037 3389
2017-2021 Used Auto Loan
8.74%
***73-84
▼
APR8.74%
Term***73-84
Last UpdatedApr 19, 2026
Details
As Low As
Banner Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.93%
9321 W Thomas Rd, Phoenix, AZ, 85037 3389
Used Auto Loan
8.99%
73-84
▼
APR8.99%
Term73-84
Last UpdatedApr 19, 2026
Details
As Low As
Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
New & Used Autos
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedApr 18, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
New & Used Autos
4.49%
24 Months
▼
APR4.49%
Term24 Months
Last UpdatedApr 18, 2026
Details
As Low As
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
New & Used Autos
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedApr 18, 2026
Details
As Low As
Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
New & Used Autos
4.99%
48 to 60 Months
▼
APR4.99%
Term48 to 60 Months
Last UpdatedApr 18, 2026
Details
Credit Union of Southern California Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
Pre-owned Auto
4.99%
Up to 60 months
▼
APR4.99%
TermUp to 60 months
Last UpdatedApr 19, 2026
Details
APR5.19%
Term48 months
Last UpdatedApr 17, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
New & Used Autos
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedApr 18, 2026
Details
As Low As
Credit Union of Southern California Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
Pre-owned Auto
5.24%
Up to 72 months
▼
APR5.24%
TermUp to 72 months
Last UpdatedApr 19, 2026
Details
APR5.39%
Term60 months
Last UpdatedApr 17, 2026
Details
Prescott Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
Used Auto loans
5.49%
84 Months
▼
APR5.49%
Term84 Months
Last UpdatedApr 17, 2026
Details
As Low As
Rim Country Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.46%
NEW & USED VEHICLES 12 yrs or newer
5.49%
48 Months
▼
APR5.49%
Term48 Months
Last UpdatedApr 18, 2026
Details
As Low As
Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
New & Used Autos
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedApr 18, 2026
Details
Credit Union of Southern California Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
Pre-owned Auto
5.64%
Up to 84 months
▼
APR5.64%
TermUp to 84 months
Last UpdatedApr 19, 2026
Details
APR5.69%
Term72 months
Last UpdatedApr 17, 2026
Details
Prescott Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
Used Auto Loans
5.74%
84 Months
▼
APR5.74%
Term84 Months
Last UpdatedApr 17, 2026
Details
As Low As
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
New & Used Vehicles2
5.74%
Up to 2 years
▼
APR5.74%
TermUp to 2 years
Last UpdatedApr 18, 2026
Details
Rim Country Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.46%
NEW & USED VEHICLES 12 yrs or newer
5.74%
60 Months
▼
APR5.74%
Term60 Months
Last UpdatedApr 18, 2026
Details
As Low As
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
New & Used Autos
5.74%
84 Months
▼
APR5.74%
Term84 Months
Last UpdatedApr 18, 2026
Details
As Low As
Greenwich Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.08%
Used Cars
5.90%
36 Months
▼
APR5.90%
Term36 Months
Last UpdatedApr 18, 2026
Details
Rim Country Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.46%
NEW & USED VEHICLES 12 yrs or newer
5.99%
72 Months
▼
APR5.99%
Term72 Months
Last UpdatedApr 18, 2026
Details
As Low As
Pyramid Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.00%
New & Used Vehicle Loan
5.99%
36 Months
▼
APR5.99%
Term36 Months
Last UpdatedApr 18, 2026
Details
As Low As
Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
New & Used Autos
5.99%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedApr 18, 2026
Details
APR6.19%
Term84 months
Last UpdatedApr 17, 2026
Details
Greenwich Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.08%
Used Cars
6.90%
72 Months
▼
APR6.90%
Term72 Months
Last UpdatedApr 18, 2026
Details
Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
New & Used Autos
7.49%
84 Months
▼
APR7.49%
Term84 Months
Last UpdatedApr 18, 2026
Details
Credit Union of Southern California Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
Pre-owned
7.49%
up to 84 months
▼
APR7.49%
Termup to 84 months
Last UpdatedApr 19, 2026
Details
Greenwich Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.08%
Used Cars
7.90%
84 Months
▼
APR7.90%
Term84 Months
Last UpdatedApr 18, 2026
Details
Credit Union of Southern California Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
Pre-owned
8.49%
up to 180 months
▼
APR8.49%
Termup to 180 months
Last UpdatedApr 19, 2026
Details
Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
Smart Start New & Used Auto
10.49%
60 Months
▼
APR10.49%
Term60 Months
Last UpdatedApr 18, 2026
Details
Up to 60 Months (Dependent on amount financed)
Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
Smart Start New & Used Auto
10.99%
72 Months
▼
APR10.99%
Term72 Months
Last UpdatedApr 18, 2026
Details
72 Months (Dependent on amount financed)
Credit Union of Southern California Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
Pre-owned
11.49%
up to 84 months
▼
APR11.49%
Termup to 84 months
Last UpdatedApr 19, 2026
Details
Credit Union of Southern California Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
Pre-owned Auto
11.64%
Up to 84 months
▼
APR11.64%
TermUp to 84 months
Last UpdatedApr 19, 2026
Details
Credit Union of Southern California Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
Pre-owned
12.49%
up to 180 months
▼
APR12.49%
Termup to 180 months
Last UpdatedApr 19, 2026
Details
Credit Union of Southern California Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
Pre-owned Auto
13.99%
Up to 60 months
▼
APR13.99%
TermUp to 60 months
Last UpdatedApr 19, 2026
Details
Credit Union of Southern California Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
Pre-owned Auto
14.24%
Up to 72 months
▼
APR14.24%
TermUp to 72 months
Last UpdatedApr 19, 2026
Details
Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
New & Used Autos
16.99%
36 Months
▼
APR16.99%
Term36 Months
Last UpdatedApr 18, 2026
Details
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MonitorBankRates
Phoenix, AZ Auto Loan Rate Trends
Compare local Phoenix, AZ auto loan rates against the statewide average
Daily auto loan rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
New Auto Loan — AZ Avg
5.839%
▲ 0.073 vs 7 days ago
Arizona new auto rates rose 0.073 points over the past 7 days to 5.839% APR.
Used Auto Loan — AZ Avg
6.287%
▲ 0.289 vs 7 days ago
Arizona used auto rates rose 0.289 points over the past 7 days to 6.287% APR.
As of Apr 23, 2026 • Rate data sourced from 8,500+ monitored institutions
Powered by MonitorBankRates
Frequently Asked Questions about Auto Loans in Phoenix, 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 Phoenix, 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 Phoenix, Arizona typically offer lower interest rates for new cars because they are easier to value and represent less risk. Used car loans generally carry slightly higher APRs.
How long should my auto loan term be?
While 72-month and 84-month loans lower your monthly payment, they cost you far more in total interest. The ideal auto loan term is 60 months or less.
What are the best Auto Loan rates in Phoenix, Arizona?
Based on our current data, some of the lowest auto loan rates available in Phoenix, Arizona include:
- American Airlines Federal Credit Union: 3.74% (New Auto)
- Florida West Coast Credit Union: 4.60% (New Automobile (2025 & newer))
- Banner Federal Credit Union: 5.24% (2022 - New Auto Loan)
- Sharefax Credit Union: 5.39% (MODEL YEAR 2023 & NEWER Vehicle Loan)
- Interfaith Federal Credit Union: 5.49% (New Autos, SUVs, Trucks, Vans)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Phoenix, Arizona. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: April 19, 2026
Rate Assistant
MonitorBankRates.com · Live Data
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