Auto Loan Rates in Phoenix, Arizona (AZ) for May 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
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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%, San Diego Firefighters Federal Credit UnionSan Diego Firefighters Federal Credit Union4801 E Thistle Landing Dr, Phoenix, AZ, 85044 6459A+5.0 ★Texas Ratio: 0.97% offering Autos at 4.19%, 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 4.50%, OneAZ Credit UnionOneAZ Credit Union1812 W Monroe St, PHOENIX, AZ, 85007A+5.0 ★Texas Ratio: 2.02% offering Used Auto at 4.95%, Mountain America Federal Credit UnionMountain America Federal Credit Union10810 N Tatum Blvd Ste 114, Phoenix, AZ, 85028A5.0 ★Texas Ratio: 11.38% offering New & used car loans at 4.99%. Auto loan rates as of May 12, 2026 according to verified data from MonitorBankRates.
Phoenix has 13 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: May 12, 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 UpdatedMay 7, 2026
Details
As Low As
San Diego Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.97%
4801 E Thistle Landing Dr, Phoenix, AZ, 85044 6459
Autos
4.19%
24 Months
▼
APR4.19%
Term24 Months
Last UpdatedMay 7, 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 UpdatedMay 7, 2026
Details
As Low As
San Diego Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.97%
4801 E Thistle Landing Dr, Phoenix, AZ, 85044 6459
Autos
4.39%
48 Months
▼
APR4.39%
Term48 Months
Last UpdatedMay 7, 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 UpdatedMay 7, 2026
Details
As Low As
San Diego Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.97%
4801 E Thistle Landing Dr, Phoenix, AZ, 85044 6459
Autos
4.49%
60 Months
▼
APR4.49%
Term60 Months
Last UpdatedMay 7, 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)
4.50%
up to 84 Months1
▼
APR4.50%
Termup to 84 Months1
Last UpdatedMay 10, 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)
4.75%
up to 72 months
▼
APR4.75%
Termup to 72 months
Last UpdatedMay 10, 2026
Details
As Low As
San Diego Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.97%
4801 E Thistle Landing Dr, Phoenix, AZ, 85044 6459
Autos
4.89%
72 Months
▼
APR4.89%
Term72 Months
Last UpdatedMay 7, 2026
Details
As Low As
OneAZ Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.02%
1812 W Monroe St, PHOENIX, AZ, 85007
Used Auto
4.95%
48 Months
▼
APR4.95%
Term48 Months
Last UpdatedMay 10, 2026
Details
For 48 months
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 UpdatedMay 7, 2026
Details
As Low As
San Diego Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.97%
4801 E Thistle Landing Dr, Phoenix, AZ, 85044 6459
Autos
4.99%
84 Months
▼
APR4.99%
Term84 Months
Last UpdatedMay 7, 2026
Details
As Low As
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.38%
10810 N Tatum Blvd Ste 114, Phoenix, AZ, 85028
New & used car loans
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMay 10, 2026
Details
As Low As
Credit Union West Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
2303 N 44th St Ste 1, Phoenix, AZ, 85008 2442
Auto Loans
4.99%
Up to 96 Months
▼
APR4.99%
TermUp to 96 Months
Last UpdatedMay 12, 2026
Details
Fixed
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.38%
10810 N Tatum Blvd Ste 114, Phoenix, AZ, 85028
New car loans
5.24%
72-month
▼
APR5.24%
Term72-month
Last UpdatedMay 10, 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 UpdatedMay 12, 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 UpdatedMay 10, 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
▼
APR5.49%
Term3-7 year
Last UpdatedMay 6, 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 UpdatedMay 12, 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
Auto Loan
5.49%
0-60
▼
APR5.49%
Term0-60
Last UpdatedMay 12, 2026
Details
As Low As; 2021 - New
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 UpdatedMay 10, 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
5.55%
48 Months
▼
APR5.55%
Term48 Months
Last UpdatedMay 12, 2026
Details
Banner Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.93%
9321 W Thomas Rd, Phoenix, AZ, 85037 3389
Auto Loan
5.74%
61-72
▼
APR5.74%
Term61-72
Last UpdatedMay 12, 2026
Details
As Low As; 2021 - New
Vantage West Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.58%
10440 N 32nd St, Phoenix, AZ, 85028
Auto Loan
5.80%
60 Months
▼
APR5.80%
Term60 Months
Last UpdatedMay 12, 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 UpdatedMay 10, 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 UpdatedMay 10, 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 UpdatedMay 10, 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 UpdatedMay 10, 2026
Details
As Low As; Up to 63 Months
TruWest Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
5136 E Roosevelt St, Phoenix, AZ, 85008 7322
New/Used Auto
6.15%
49 - 63
▼
APR6.15%
Term49 - 63
Last UpdatedMay 10, 2026
Details
Rates after 0.25% discount
Vantage West Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.58%
10440 N 32nd St, Phoenix, AZ, 85028
Auto Loan
6.15%
72 Months
▼
APR6.15%
Term72 Months
Last UpdatedMay 12, 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 UpdatedMay 12, 2026
Details
As Low As
TruWest Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
5136 E Roosevelt St, Phoenix, AZ, 85008 7322
New/Used Auto
6.30%
76 - 84
▼
APR6.30%
Term76 - 84
Last UpdatedMay 10, 2026
Details
Rates after 0.25% discount
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 UpdatedMay 10, 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 UpdatedMay 10, 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
6.45%
84 Months
▼
APR6.45%
Term84 Months
Last UpdatedMay 12, 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 UpdatedMay 10, 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
Auto Loan
6.49%
***73-84
▼
APR6.49%
Term***73-84
Last UpdatedMay 12, 2026
Details
As Low As; 2021 - New
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 UpdatedMay 10, 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 UpdatedMay 10, 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
▼
APR6.99%
Term3-7 year
Last UpdatedMay 6, 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 UpdatedMay 10, 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 UpdatedMay 10, 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 UpdatedMay 12, 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 UpdatedMay 6, 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
Auto Loan
7.49%
0-60
▼
APR7.49%
Term0-60
Last UpdatedMay 12, 2026
Details
As Low As; 2016-2020
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 UpdatedMay 10, 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 UpdatedMay 12, 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
Auto Loan
8.24%
61-72
▼
APR8.24%
Term61-72
Last UpdatedMay 12, 2026
Details
As Low As; 2016-2020
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 UpdatedMay 12, 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
Auto Loan
8.99%
***73-84
▼
APR8.99%
Term***73-84
Last UpdatedMay 12, 2026
Details
As Low As; 2016-2020
TruGrocer Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.15%
Vehicle Loan
3.99%
24 Months
▼
APR3.99%
Term24 Months
Last UpdatedMay 7, 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 UpdatedMay 10, 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 UpdatedMay 10, 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 UpdatedMay 10, 2026
Details
As Low As
Credit Union of Southern California
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
New Auto
4.74%
Up to 60 months
▼
APR4.74%
TermUp to 60 months
Last UpdatedMay 12, 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 UpdatedMay 7, 2026
Details
APR4.95%
Term48 months
Last UpdatedMay 5, 2026
Details
APR4.95%
Term48 months
Last UpdatedMay 5, 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 UpdatedMay 10, 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 UpdatedMay 10, 2026
Details
Credit Union of Southern California
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
New Auto
4.99%
Up to 72 months
▼
APR4.99%
TermUp to 72 months
Last UpdatedMay 12, 2026
Details
Credit Union of Southern California
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 UpdatedMay 12, 2026
Details
APR5.15%
Term60 months
Last UpdatedMay 5, 2026
Details
APR5.15%
Term60 months
Last UpdatedMay 5, 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 UpdatedMay 6, 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 UpdatedMay 10, 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 UpdatedMay 10, 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 UpdatedMay 10, 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 UpdatedMay 10, 2026
Details
As Low As
Credit Union of Southern California
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 UpdatedMay 12, 2026
Details
Credit Union of Southern California
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
New Auto
5.39%
Up to 84 months
▼
APR5.39%
TermUp to 84 months
Last UpdatedMay 12, 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 UpdatedMay 6, 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 UpdatedMay 10, 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.
APR5.45%
Term72 months
Last UpdatedMay 5, 2026
Details
APR5.45%
Term72 months
Last UpdatedMay 5, 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 UpdatedMay 6, 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 UpdatedMay 7, 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 UpdatedMay 10, 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 UpdatedMay 10, 2026
Details
As Low As
Credit Union of Southern California
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 UpdatedMay 12, 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 UpdatedMay 6, 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 UpdatedMay 7, 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 UpdatedMay 7, 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 UpdatedMay 10, 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 UpdatedMay 10, 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 UpdatedMay 10, 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 UpdatedMay 7, 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 UpdatedMay 7, 2026
Details
APR5.95%
Term84 months
Last UpdatedMay 5, 2026
Details
APR5.95%
Term84 months
Last UpdatedMay 5, 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 UpdatedMay 7, 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 UpdatedMay 10, 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 UpdatedMay 10, 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 UpdatedMay 10, 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 UpdatedMay 10, 2026
Details
As Low As
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 UpdatedMay 7, 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 UpdatedMay 7, 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 UpdatedMay 10, 2026
Details
Credit Union of Southern California
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
Pre-owned
7.49%
up to 84 months
▼
APR7.49%
Termup to 84 months
Last UpdatedMay 12, 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 UpdatedMay 10, 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 UpdatedMay 7, 2026
Details
Credit Union of Southern California
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
Pre-owned
8.49%
up to 180 months
▼
APR8.49%
Termup to 180 months
Last UpdatedMay 12, 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 UpdatedMay 7, 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 UpdatedMay 10, 2026
Details
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 UpdatedMay 10, 2026
Details
Dependent on amount financed
Credit Union of Southern California
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
Pre-owned
11.49%
up to 84 months
▼
APR11.49%
Termup to 84 months
Last UpdatedMay 12, 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 UpdatedMay 10, 2026
Details
As Low As
Credit Union of Southern California
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
Pre-owned
12.49%
up to 180 months
▼
APR12.49%
Termup to 180 months
Last UpdatedMay 12, 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 UpdatedMay 10, 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 UpdatedMay 7, 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 UpdatedMay 7, 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)
4.50%
up to 84 Months1
▼
APR4.50%
Termup to 84 Months1
Last UpdatedMay 10, 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)
4.75%
up to 72 months
▼
APR4.75%
Termup to 72 months
Last UpdatedMay 10, 2026
Details
As Low As
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.38%
10810 N Tatum Blvd Ste 114, Phoenix, AZ, 85028
New & used car loans
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMay 10, 2026
Details
As Low As
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.38%
10810 N Tatum Blvd Ste 114, Phoenix, AZ, 85028
New car loans
5.24%
72-month
▼
APR5.24%
Term72-month
Last UpdatedMay 10, 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 UpdatedMay 12, 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 UpdatedMay 10, 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
▼
APR5.49%
Term3-7 year
Last UpdatedMay 6, 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 UpdatedMay 12, 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 UpdatedMay 10, 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 UpdatedMay 10, 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 UpdatedMay 10, 2026
Details
As Low As
TruWest Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
5136 E Roosevelt St, Phoenix, AZ, 85008 7322
New/Used Auto
6.15%
49 - 63
▼
APR6.15%
Term49 - 63
Last UpdatedMay 10, 2026
Details
Rates after 0.25% discount
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 UpdatedMay 12, 2026
Details
As Low As
TruWest Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
5136 E Roosevelt St, Phoenix, AZ, 85008 7322
New/Used Auto
6.30%
76 - 84
▼
APR6.30%
Term76 - 84
Last UpdatedMay 10, 2026
Details
Rates after 0.25% discount
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 UpdatedMay 10, 2026
Details
As Low As; Up to 84 Months
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 UpdatedMay 10, 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 UpdatedMay 10, 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 UpdatedMay 10, 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 UpdatedMay 10, 2026
Details
As Low As
Credit Union of Southern California
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
New Auto
4.74%
Up to 60 months
▼
APR4.74%
TermUp to 60 months
Last UpdatedMay 12, 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 UpdatedMay 7, 2026
Details
APR4.95%
Term48 months
Last UpdatedMay 5, 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 UpdatedMay 10, 2026
Details
Credit Union of Southern California
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
New Auto
4.99%
Up to 72 months
▼
APR4.99%
TermUp to 72 months
Last UpdatedMay 12, 2026
Details
APR5.15%
Term60 months
Last UpdatedMay 5, 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 UpdatedMay 6, 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 UpdatedMay 10, 2026
Details
As Low As
Credit Union of Southern California
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
New Auto
5.39%
Up to 84 months
▼
APR5.39%
TermUp to 84 months
Last UpdatedMay 12, 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 UpdatedMay 6, 2026
Details
As Low As
APR5.45%
Term72 months
Last UpdatedMay 5, 2026
Details
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 UpdatedMay 7, 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 UpdatedMay 10, 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 UpdatedMay 10, 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 UpdatedMay 7, 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 UpdatedMay 7, 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 UpdatedMay 10, 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 UpdatedMay 10, 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 UpdatedMay 7, 2026
Details
APR5.95%
Term84 months
Last UpdatedMay 5, 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 UpdatedMay 7, 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 UpdatedMay 10, 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 UpdatedMay 10, 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 UpdatedMay 10, 2026
Details
As Low As
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 UpdatedMay 7, 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 UpdatedMay 10, 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 UpdatedMay 10, 2026
Details
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 UpdatedMay 10, 2026
Details
Dependent on amount financed
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 UpdatedMay 10, 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 UpdatedMay 7, 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)
4.75%
up to 72 months
▼
APR4.75%
Termup to 72 months
Last UpdatedMay 10, 2026
Details
As Low As
OneAZ Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.02%
1812 W Monroe St, PHOENIX, AZ, 85007
Used Auto
4.95%
48 Months
▼
APR4.95%
Term48 Months
Last UpdatedMay 10, 2026
Details
For 48 months
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 UpdatedMay 7, 2026
Details
As Low As
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.38%
10810 N Tatum Blvd Ste 114, Phoenix, AZ, 85028
New & used car loans
4.99%
60 Months
▼
APR4.99%
Term60 Months
Last UpdatedMay 10, 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 UpdatedMay 10, 2026
Details
As Low As
TruWest Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
5136 E Roosevelt St, Phoenix, AZ, 85008 7322
New/Used Auto
6.15%
49 - 63
▼
APR6.15%
Term49 - 63
Last UpdatedMay 10, 2026
Details
Rates after 0.25% discount
TruWest Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
5136 E Roosevelt St, Phoenix, AZ, 85008 7322
New/Used Auto
6.30%
76 - 84
▼
APR6.30%
Term76 - 84
Last UpdatedMay 10, 2026
Details
Rates after 0.25% discount
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 UpdatedMay 10, 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
▼
APR6.99%
Term3-7 year
Last UpdatedMay 6, 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 UpdatedMay 10, 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 UpdatedMay 10, 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 UpdatedMay 10, 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 UpdatedMay 10, 2026
Details
As Low As
APR4.95%
Term48 months
Last UpdatedMay 5, 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 UpdatedMay 10, 2026
Details
Credit Union of Southern California
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 UpdatedMay 12, 2026
Details
APR5.15%
Term60 months
Last UpdatedMay 5, 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 UpdatedMay 10, 2026
Details
As Low As
Credit Union of Southern California
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 UpdatedMay 12, 2026
Details
APR5.45%
Term72 months
Last UpdatedMay 5, 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 UpdatedMay 6, 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 UpdatedMay 7, 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 UpdatedMay 10, 2026
Details
Credit Union of Southern California
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 UpdatedMay 12, 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 UpdatedMay 6, 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 UpdatedMay 7, 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 UpdatedMay 7, 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 UpdatedMay 10, 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 UpdatedMay 7, 2026
Details
APR5.95%
Term84 months
Last UpdatedMay 5, 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 UpdatedMay 7, 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 UpdatedMay 10, 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 UpdatedMay 10, 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 UpdatedMay 7, 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 UpdatedMay 10, 2026
Details
Credit Union of Southern California
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
Pre-owned
7.49%
up to 84 months
▼
APR7.49%
Termup to 84 months
Last UpdatedMay 12, 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 UpdatedMay 7, 2026
Details
Credit Union of Southern California
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
Pre-owned
8.49%
up to 180 months
▼
APR8.49%
Termup to 180 months
Last UpdatedMay 12, 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 UpdatedMay 10, 2026
Details
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 UpdatedMay 10, 2026
Details
Dependent on amount financed
Credit Union of Southern California
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
Pre-owned
11.49%
up to 84 months
▼
APR11.49%
Termup to 84 months
Last UpdatedMay 12, 2026
Details
Credit Union of Southern California
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
Pre-owned
12.49%
up to 180 months
▼
APR12.49%
Termup to 180 months
Last UpdatedMay 12, 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 UpdatedMay 10, 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
5.644%
▼ 0.160 vs 7 days ago
Arizona new auto rates fell 0.160 points over the past 7 days to 5.644% APR.
Used Auto Loan — AZ Avg
5.717%
▼ 0.609 vs 7 days ago
Arizona used auto rates fell 0.609 points over the past 7 days to 5.717% APR.
As of May 14, 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)
- San Diego Firefighters Federal Credit Union: 4.19% (Autos)
- Florida West Coast Credit Union: 4.50% (New Automobile (2025 & newer))
- OneAZ Credit Union: 4.95% (Used Auto)
- Mountain America Federal Credit Union: 4.99% (New & used car loans)
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: May 12, 2026
Rate Assistant
MonitorBankRates.com · Live Data
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