Auto Loan Rates in Phoenix, Arizona (AZ) for July 2026
Brian McKay
Brian McKay
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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: 2.51% offering New Auto at 3.34%, Sierra Pacific Federal Credit UnionSierra Pacific Federal Credit Union1600 E Northern Ave, Phoenix, AZ, 85020 3933A+5.0 ★Texas Ratio: 1.48% offering New and Used Auto Loan at 3.94%, Florida West Coast Credit UnionFlorida West Coast Credit Union4801 E THISTLE LANDING DR, PHOENIX, AZ, 85044A+5.0 ★Texas Ratio: 1.91% offering New Automobile at 3.99%, Mountain America Federal Credit UnionMountain America Federal Credit Union10810 N Tatum Blvd Ste 114, Phoenix, AZ, 85028A5.0 ★Texas Ratio: 10.12% offering New & used car loans at 4.99%, Banner Federal Credit UnionBanner Federal Credit Union9321 W Thomas Rd, Phoenix, AZ, 85037 3389A+5.0 ★Texas Ratio: 1.85% offering Auto Loan at 4.99%. Auto loan rates as of July 16, 2026 according to verified data from MonitorBankRates.
Phoenix has 10 local institutions in our database, with auto loan rates as low as 3.34% 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: July 16, 2026
Compare Auto Loan Rates Today in Phoenix, Arizona & Surrounding Area
Phoenix Auto Loan Rates
As low as; Rates apply to 2019 or newer models if conditions are met. Rates and terms are based on creditworthiness and subject to change. Additional conditions may apply. See credit union for details.
New Automobile (2025 & newer)
As low as; Rates apply to 2019 or newer models if conditions are met. Rates and terms are based on creditworthiness and subject to change. Additional conditions may apply. See credit union for details.
Used Automobile (2017 & newer)
As low as; Rates apply to 2019 or newer models if conditions are met. Rates and terms are based on creditworthiness and subject to change. Additional conditions may apply. See credit union for details.
As low as
As Low As; New Vehicles
As low as
As Low As; New Vehicles
As Low As
As low as; Rates apply to 2019 or newer models if conditions are met. Rates and terms are based on creditworthiness and subject to change. Additional conditions may apply. See credit union for details.
New Vehicle Loans as low as:
As low as; flexible terms up to 48 months
As Low As
Actual rate will be determined by your Experian FICO 2 Credit Score. (model years 2025 + newer)
As low as; Rates apply to 2019 or newer models if conditions are met. Rates and terms are based on creditworthiness and subject to change. Additional conditions may apply. See credit union for details.
Used Vehicle Loans as low as
As Low As; New Vehicles
New Vehicle Loans as low as:
Actual rate will be determined by your Experian FICO 2 Credit Score. (model years 2024 + older)
Rates effective as of June 24, 2026. 0.25% rate discount when you make automatic loan payments from a TruWest account. Rate may increase if automatic payment is cancelled.
As Low As
Rates effective as of June 24, 2026. 0.25% rate discount when you make automatic loan payments from a TruWest account. Rate may increase if automatic payment is cancelled.
Actual rate will be determined by your Experian FICO 2 Credit Score. (model years 2025 + newer)
As Low As
New Vehicle Loans as low as:
Used Vehicle Loans as low as
Actual rate will be determined by your Experian FICO 2 Credit Score. (model years 2024 + older)
As Low As
As Low As
Used Vehicles
Actual rate will be determined by your Experian FICO 2 Credit Score. (model years 2025 + newer)
As Low As; Rates apply to 2015 or newer models if conditions are met. See credit union for details. Payment example: A new recreational loan of $20,000 financed at 6.19% APR for 48 months equals a payment of $471.43 per month.
Actual rate will be determined by your Experian FICO 2 Credit Score. (model years 2024 + older)
As Low As
Used Vehicle Loans as low as
Used Vehicles
Used Vehicles
As low as 3.99% APR for up to 36 months, available for new, preowned, and refinanced vehicles. Includes a 0.50% discount for a direct payroll deposit of $750 monthly to your CU SoCal checking account and 0.25% discount for being a Rewards+ Loyalty Member. Rate may adjust if you discontinue direct deposit/payroll. Your rate may be higher depending on credit history and underwriting criteria. Financing available up to 120% of retail vehicle value including tax and license plus optional CU SoCal GAP and Mechanical Repair Coverage. With 90-day payment deferment, interest will continue to accrue as of funding date. Offer cannot be used for internal refinances. APR as low as 4.036%.
As Low As; Up to 120% Financing on Approved Credit
As Low As; Up to 120% Financing on Approved Credit
As Low As; Promotional Rate
Max APR: 13.64%
Max APR: 13.89%
Max APR: 13.89%
As Low As; Min $20,000.00
As Low As; Fixed. Your rate may be higher depending on credit history and underwriting criteria. The maximum APR for consumer loans is 18%.
As Low As; Up to 120% Financing on Approved Credit
Max APR: 14.14%
As Low As
As Low As; Fixed. Your rate may be higher depending on credit history and underwriting criteria. The maximum APR for consumer loans is 18%.
As Low As; Fixed. Your rate may be higher depending on credit history and underwriting criteria. The maximum APR for consumer loans is 18%.
As Low As; Min $15,000.00
Max APR: 11.29%
Minimum loan amount $15,000
As Low As
As Low As; Up to 120% Financing on Approved Credit
As Low As; Fixed Rates
As Low As
Max APR: 11.54%
As Low As
As Low As; Fixed Rates
As Low As; Fixed Rates
Minimum loan amount $20,000
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.
As Low As
As Low As; Fixed. Your rate may be higher depending on credit history and underwriting criteria. The maximum APR for consumer loans is 18%.
As Low As; Fixed Rates
As Low As; Fixed Rates
As Low As; Fixed Rates
Max APR: 11.49%
$30,000; As Low As; Fixed. Your rate may be higher depending on credit history and underwriting criteria. The maximum APR for consumer loans is 18%.
Max APR: 12.49%
As Low As; **
Phoenix New Auto Auto Loan Rates
As low as; Rates apply to 2019 or newer models if conditions are met. Rates and terms are based on creditworthiness and subject to change. Additional conditions may apply. See credit union for details.
New Automobile (2025 & newer)
As low as; Rates apply to 2019 or newer models if conditions are met. Rates and terms are based on creditworthiness and subject to change. Additional conditions may apply. See credit union for details.
As low as; Rates apply to 2019 or newer models if conditions are met. Rates and terms are based on creditworthiness and subject to change. Additional conditions may apply. See credit union for details.
As low as
As low as
As Low As
As low as; Rates apply to 2019 or newer models if conditions are met. Rates and terms are based on creditworthiness and subject to change. Additional conditions may apply. See credit union for details.
New Vehicle Loans as low as:
As Low As
As low as; Rates apply to 2019 or newer models if conditions are met. Rates and terms are based on creditworthiness and subject to change. Additional conditions may apply. See credit union for details.
New Vehicle Loans as low as:
Rates effective as of June 24, 2026. 0.25% rate discount when you make automatic loan payments from a TruWest account. Rate may increase if automatic payment is cancelled.
As Low As
Rates effective as of June 24, 2026. 0.25% rate discount when you make automatic loan payments from a TruWest account. Rate may increase if automatic payment is cancelled.
New Vehicle Loans as low as:
As Low As; Up to 120% Financing on Approved Credit
As Low As; Up to 120% Financing on Approved Credit
As Low As; Promotional Rate
Max APR: 13.64%
Max APR: 13.89%
As Low As; Min $20,000.00
As Low As; Up to 120% Financing on Approved Credit
As Low As
Max APR: 11.29%
Minimum loan amount $15,000
As Low As
As Low As; Up to 120% Financing on Approved Credit
As Low As; Fixed Rates
As Low As
As Low As; Fixed Rates
Minimum loan amount $20,000
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.
As Low As
As Low As; Fixed Rates
Phoenix Used Auto Auto Loan Rates
As low as; Rates apply to 2019 or newer models if conditions are met. Rates and terms are based on creditworthiness and subject to change. Additional conditions may apply. See credit union for details.
As low as; Rates apply to 2019 or newer models if conditions are met. Rates and terms are based on creditworthiness and subject to change. Additional conditions may apply. See credit union for details.
Used Automobile (2017 & newer)
As low as; Rates apply to 2019 or newer models if conditions are met. Rates and terms are based on creditworthiness and subject to change. Additional conditions may apply. See credit union for details.
As low as
As low as; Rates apply to 2019 or newer models if conditions are met. Rates and terms are based on creditworthiness and subject to change. Additional conditions may apply. See credit union for details.
As low as; Rates apply to 2019 or newer models if conditions are met. Rates and terms are based on creditworthiness and subject to change. Additional conditions may apply. See credit union for details.
Used Vehicle Loans as low as
Rates effective as of June 24, 2026. 0.25% rate discount when you make automatic loan payments from a TruWest account. Rate may increase if automatic payment is cancelled.
Rates effective as of June 24, 2026. 0.25% rate discount when you make automatic loan payments from a TruWest account. Rate may increase if automatic payment is cancelled.
Used Vehicle Loans as low as
Used Vehicle Loans as low as
As Low As; Up to 120% Financing on Approved Credit
As Low As; Up to 120% Financing on Approved Credit
As Low As; Promotional Rate
Max APR: 13.89%
As Low As; Up to 120% Financing on Approved Credit
Max APR: 14.14%
As Low As; Min $15,000.00
As Low As
As Low As; Up to 120% Financing on Approved Credit
As Low As
Max APR: 11.54%
As Low As
As Low As; Fixed Rates
As Low As
As Low As; Fixed Rates
As Low As; Fixed Rates
Max APR: 11.49%
Max APR: 12.49%
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.
Arizona new auto rates rose 0.021 points over the past 7 days to 5.543% APR.
Arizona used auto rates rose 0.039 points over the past 7 days to 5.813% APR.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Phoenix, 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 Phoenix, 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 Phoenix, Arizona. We feature a comprehensive mix of lenders — from neighborhood credit unions and competitive regional banks to large national auto lenders available to borrowers in AZ.
Regularly Updated APRs: Our rate updaters verify and update auto loan rates regularly. Because APRs can change based on market conditions and lender policies, every product features its own “last updated” date for full transparency. Auto loan APRs shown typically represent the lowest available rate for borrowers with excellent credit; your actual rate will depend on your credit history, credit score, income, loan term, vehicle age, and other underwriting factors.
Frequently Asked Questions about Auto Loans in Phoenix, Arizona
How does my credit score affect my car loan rate in Arizona?
Is it better to finance through a dealership or a bank?
What is the difference between New and Used Auto Loan rates?
How long should my auto loan term be?
What are the best Auto Loan rates in Phoenix, Arizona?
- American Airlines Federal Credit Union: 3.34% (New Auto)
- Sierra Pacific Federal Credit Union: 3.94% (New and Used Auto Loan)
- Florida West Coast Credit Union: 3.99% (New Automobile)
- Mountain America Federal Credit Union: 4.99% (New & used car loans)
- Banner Federal Credit Union: 4.99% (Auto Loan)
