Tolleson, Arizona Best Auto Loan Rates - October 2026
Brian McKay
Brian McKay
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Tolleson, Arizona auto loan rates range from 3.34% to 6.90% APR, verified by MonitorBankRates as of October 13, 2026. Current auto loan rates in Tolleson, Arizona include Chase BankChase Bank2715 S 99th Ave, Tolleson, AZ, 85353A+5.0 ★Texas Ratio: 3.68% offering New car purchase Loan at 6.24%, American Airlines Federal Credit UnionAmerican Airlines Federal Credit UnionA+5.0 ★Texas Ratio: 2.87% offering New Auto at 3.34%, Navy Federal Credit UnionNavy Federal Credit UnionA5.0 ★Texas Ratio: 8.14% offering New Auto Loan at 3.89%, Southwest Airlines Federal Credit UnionSouthwest Airlines Federal Credit UnionA+5.0 ★Texas Ratio: 3.25% offering New Auto at 3.94%, Arrowhead Central Credit UnionArrowhead Central Credit UnionA+5.0 ★Texas Ratio: 3.64% offering New & Used Autos at 3.99%. Auto loan rates as of October 13, 2026 according to verified data from MonitorBankRates.
Tolleson has 1 local institution in our database, with auto loan rates as low as 6.24% APR from Chase Bank at 2715 S 99th Ave, Tolleson, AZ, 85353. Use the tabs below to compare new and used auto loan rates. Rates are continually updated, so we recommend checking back frequently.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in Tolleson, Arizona. Auto Loan Rates Last Updated and Verified: October 13, 2026
Compare Auto Loan Rates Today in Tolleson, Arizona & Surrounding Area
Tolleson Auto Loan Rates
- Oct 2, 20266.24%▲ from 6.14%
- Sep 27, 20266.14%▲ from 6.04%
- Sep 18, 20266.04%▲ from 5.94%
- Sep 14, 20265.94%first recorded
For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term. Purchase of a new car would have a 6.24% APR for 60 months, monthly payment of $875.01 for $45,000 financing, down payment of $0
- Oct 2, 20266.24%▲ from 6.14%
- Sep 27, 20266.14%▲ from 6.04%
- Sep 18, 20266.04%▲ from 5.94%
- Sep 14, 20265.94%first recorded
- Oct 2, 20266.29%▲ from 6.19%
- Sep 27, 20266.19%▲ from 6.09%
- Sep 18, 20266.09%▲ from 5.99%
- Sep 14, 20265.99%first recorded
For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term. Purchase of a used 2022 year car would have a 6.29% APR for 60 months, monthly payment of $584.04 for $30,000 financing, down payment of $0
- Oct 2, 20266.29%▲ from 6.19%
- Sep 27, 20266.19%▲ from 6.09%
- Sep 18, 20266.09%▲ from 5.99%
- Sep 14, 20265.99%first recorded
As Low As; Auto & Recreational Loans
As Low As; Auto & Recreational Loans
As Low As
As Low As; Rates subject to change.
Published APR range: 3.94% - 14.00%. 100% Financing**
Published APR range: 3.99%-16.99%.
Published APR range: 3.99% - 16.99%.
As Low As; Category: New & Used Automobiles
Model Years: 2023 - 2027
Model Years: 2023 - 2027
As low as
As Low As; Auto & Recreational Loans
As Low As; Up to 120% financing
As Low As; Up to 120% financing
Published APR range: 4.19% - 15.00%.
Published APR range: 4.19% - 14.25%. 100% Financing**
Tier 1 credit; includes automatic payment discount from NGFCU checking or savings account
As Low As
As Low As
Model Years: 2023 - 2027
As Low As
As Low As; Rates subject to change.
As Low As; Rates apply to 2019 or newer models if conditions are met.
As Low As; Up to 120% financing
Published APR range: 4.44% - 15.20%.
Published APR range: 4.44% - 15.25%.
Published APR range: 4.49% - 16.99%. Model Year: 2024 & Newer; Effective Date: Monday, October 12th, 2026
As Low As; Up to 120% financing
As Low As
As Low As
As Low As; Category: New & Used Automobiles
As Low As; Rate assumes loan to value of 100% or less and term of 60 months or less. Not all borrowers will qualify for the lowest interest rate.
Model Year: 2022 & Older
As Low As; Final rate based on credit worthiness and term of the loan.
- Sep 25, 20264.50%▼ from 4.59%
- Sep 14, 20264.59%first recorded
As Low As
As Low As; Rates subject to change.
As Low As; Auto & Recreational Loans
Tier 1 credit; includes automatic payment discount from NGFCU checking or savings account
Published APR range: 4.69% - 15.65%.
Published APR range: 4.69% - 15.45%.
As Low As; Rates apply to 2019 or newer models if conditions are met.
Minimum loan $10,001 on terms of more than 48 months; Tier 1 credit; includes automatic payment discount from NGFCU checking or savings account
Model Years: 2023 - 2027; ($20,000 Minimum)
As Low As
As Low As; Rates subject to change.
Minimum loan $10,001 on terms of more than 48 months; Tier 1 credit; includes automatic payment discount from NGFCU checking or savings account
As Low As; Up to 120% financing
New Car auto loan; APR
New Car auto loan; APR
New Car auto loan; APR
Credit Union finances 100% of purchase price including tax, registration and extended warranty; Maximum car loan $75,000.00
Credit Union finances 100% of purchase price including tax, registration and extended warranty; Maximum car loan $75,000.00
Credit Union finances 100% of purchase price including tax, registration and extended warranty; Maximum car loan $75,000.00
Published APR range: 4.94% - 15.90%.
As Low As; Final rate based on credit worthiness and term of the loan.
- Sep 25, 20264.99%▼ from 6.99%
- Sep 14, 20266.99%first recorded
Published APR range: 4.99% - 17.24%. Model Year: 2024 & Newer; Effective Date: Monday, October 12th, 2026
APR Type: Fixed; Effective Date: 10/12/2026
APR Type: Fixed; Effective Date: 10/12/2026
APR Type: Fixed; Effective Date: 10/12/2026
APR Type: Fixed; Effective Date: 10/12/2026
APR Type: Fixed; Effective Date: 10/12/2026
As Low As; Up to 120% financing
As Low As; Fixed; Rates for Utah
As Low As
Published APR range: 4.99% - 17.65%. As low as
Published APR range: 4.99%-16.99%.
Published APR range: 4.99% - 16.99%.
Model Year: 2022 & Older
New Auto loans (Min $20,000.00)
As low as
Published APR range: 5.24% - 17.74%. Model Year: 2020 - 2023; Effective Date: Monday, October 12th, 2026
As Low As
Includes cars, pickup trucks, SUVs, etc.
As Low As; Fixed; Rates for Utah
lowest available
As Low As; New Vehicle 2021 and Newer, 10,000 miles or less
As Low As
As Low As; Rates subject to change.
Used Auto loans (Min $15,000.00)
New Auto loans
As Low As
As Low As; Rates subject to change.
As Low As; Fixed Rates; Vehicle loan
- Sep 29, 20265.39%▲ from 4.99%
- Sep 14, 20264.99%first recorded
As Low As; Rates apply to 2019 or newer models if conditions are met.
As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.
- Sep 27, 20265.49%▲ from 5.39%
- Sep 18, 20265.39%first recorded
Published APR range: 5.49% - 17.74%. Model Year: 2024 & Newer; Effective Date: Monday, October 12th, 2026
As Low As
Minimum loan $10,001 on terms of more than 48 months; Tier 1 credit; includes automatic payment discount from NGFCU checking or savings account
Includes cars, pickup trucks, SUVs, etc.
As Low As
Published APR range: 5.49% - 19.15%. As low as
Published APR range: 5.49%-16.99%.
Published APR range: 5.49% - 16.99%.
Published APR range: 5.49% - 23.00%. Fixed
- Oct 10, 20265.49%▲ from 5.24%
- Sep 18, 20265.24%first recorded
As Low As; Max term: Up to 48 months
Published APR range: 5.50% - 18.15%. As low as
As Low As; Model year: 2022 and newer; Maximum loan term: 48 months
Used Auto Loans
As Low As; Fixed Rates; Vehicle loan
- Sep 29, 20265.64%▲ from 5.24%
- Sep 14, 20265.24%first recorded
As Low As; Fixed Rates; APR (as low as)
- Sep 29, 20265.64%▲ from 5.24%
- Sep 14, 20265.24%first recorded
As Low As; Model Year: 2015 to 2017 (used vehicle)
As Low As; Used auto loan, model years 2018 to 2021
As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.
- Sep 27, 20265.69%▲ from 5.59%
- Sep 18, 20265.59%first recorded
As Low As; Terms: See Terms; Apply Now
- Oct 9, 20265.69%▲ from 5.54%
- Sep 18, 20265.54%first recorded
As Low As; Interest Rate As Low As column; see Terms
- Oct 13, 20265.69%▲ from 5.54%
- Sep 14, 20265.54%first recorded
As Low As; Model year: 2022 and newer; Maximum loan term: 63 months
As Low As; APR*
As Low As
Interest rates based on approved credit on scores 675-750
Interest rates based on approved credit on scores 675-750
Model Years: 2023 - 2027; ($30,000 Minimum)
As low as
As low as
As Low As; Model Year: 2015 to 2017 (used vehicle)
As Low As; Used auto loan, model years 2018 to 2021
As Low As; Fixed Rates; APR (as low as)
- Sep 29, 20265.89%▲ from 5.49%
- Sep 14, 20265.49%first recorded
New Car auto loan; APR; New Car 72 months financing for $20,000.00 sticker price or greater
New Car 72 months financing for $20,000.00 sticker price or greater; Credit Union finances 100% of purchase price including tax, registration and extended warranty; Maximum car loan $75,000.00
APR = Annual Percentage Rate; Maximum car loan is $75,000.00
APR = Annual Percentage Rate; Maximum car loan is $75,000.00
APR = Annual Percentage Rate; Maximum car loan is $75,000.00
As Low As; Rates apply to 2019 or newer models if conditions are met.
As Low As; Terms: See Terms; Apply Now
- Oct 9, 20265.94%▲ from 5.79%
- Sep 18, 20265.79%first recorded
As Low As; Interest Rate As Low As column; see Terms
- Oct 13, 20265.94%▲ from 5.79%
- Sep 14, 20265.79%first recorded
Interest rates based on approved credit on scores 675-750
Interest rates based on approved credit on scores 675-750
Interest rates based on approved credit on scores 675-750
As Low As
As Low As; Rates subject to change.
As Low As; APR*
Published APR range: 5.99% - 17.74%. Model Year: 2024 & Newer; Effective Date: Monday, October 12th, 2026
As Low As
As Low As; Fixed; Rates for Utah
Published APR range: 5.99%-7.49%. **
Published APR range: 5.99% - 7.49%.
As Low As
Model Year: 2022 & Older; ($20,000 Minimum)
APR Type: Fixed; Effective Date: 10/12/2026
APR Type: Fixed; Effective Date: 10/12/2026
Published APR range: 6.00% - 20.15%. As low as
Published APR range: 6.00% - 19.65%. As low as
APR range: 6.00% - 13.85%; up to 14.10% financing on New/Used Auto purchases and refinances from another institution, maximum 84-month term
- Sep 29, 20266.00%▲ from 5.75%
- Sep 14, 20265.75%first recorded
lowest available
As Low As; Model Year: 2025 + newer New + used
As Low As; Model Year: 2025 + newer New + used
As Low As; Model Year: 2025 + newer New + used
Over $20,000; interest rates based on approved credit on scores 675-750
As Low As; Fixed Rates; Vehicle loan
- Sep 29, 20266.14%▲ from 5.74%
- Sep 14, 20265.74%first recorded
As Low As; Fixed Rates
- Sep 29, 20266.14%▲ from 5.74%
- Sep 14, 20265.74%first recorded
Published APR range: 6.24% - 17.99%. Model Year: 2020 - 2023; Effective Date: Monday, October 12th, 2026
As Low As
As Low As; Terms: See Terms; Apply Now
- Oct 9, 20266.24%▲ from 6.09%
- Sep 18, 20266.09%first recorded
As Low As; Interest Rate As Low As column; see Terms
- Oct 13, 20266.24%▲ from 6.09%
- Sep 14, 20266.09%first recorded
Over $20,000; interest rates based on approved credit on scores 675-750
Interest rates based on approved credit on scores 675-750
APR range: 6.24% - 14.10%
- Sep 29, 20266.24%▲ from 5.99%
- Sep 18, 20265.99%first recorded
APR range: 6.24% - 12.73%
- Sep 29, 20266.24%▲ from 5.99%
- Sep 18, 20265.99%first recorded
Credit Score: 725+
- Oct 4, 20266.25%▼ from 11.25%
- Sep 25, 202611.25%▲ from 6.25%
- Sep 14, 20266.25%first recorded
As Low As; New Vehicle 2021 and Newer, 10,000 miles or less
APR Type: Fixed; Effective Date: 10/12/2026
APR Type: Fixed; Effective Date: 10/12/2026
As low as
As low as
2016 - 2026
As Low As; Model year: 2022 and newer; Maximum loan term: 75 months
As Low As; Model Year: 2024 + older Used
As Low As; Model Year: 2024 + older Used
As Low As; Model Year: 2024 + older Used
As low as
2018 - 2026
As Low As; Fixed Rates; Vehicle loan
- Sep 29, 20266.39%▲ from 5.99%
- Sep 14, 20265.99%first recorded
As Low As; Fixed Rates
- Sep 29, 20266.39%▲ from 5.99%
- Sep 14, 20265.99%first recorded
As Low As; Fixed Rates; APR (as low as)
- Sep 29, 20266.39%▲ from 5.99%
- Sep 14, 20265.99%first recorded
lowest available
As low as
2022 - 2026
Published APR range: 6.49% - 17.99%. Model Year: 2020 - 2023; Effective Date: Monday, October 12th, 2026
As Low As
As Low As; New Vehicle 2021 and Newer, 10,000 miles or less; Amount: Up to $25,000
As Low As; Max term: Up to 60 months
As Low As; Used auto loan, model years 2018 to 2021
As low as
2023 - 2026
As Low As; Model Year: 2025 + newer New + used
As Low As; Fixed Rate; Rates as of September 23, 2026
- Sep 29, 20266.64%▲ from 6.24%
- Sep 14, 20266.24%first recorded
Over $20,000; interest rates based on approved credit on scores 675-750
As Low As
Over $25,000; interest rates based on approved credit on scores 675-750
Credit Score: 725+
As Low As; New Vehicle 2021 and Newer, 10,000 miles or less; Amount: Greater than $30,000
As Low As; Amount: Up to $25,000; Max term: Up to 72 months
As Low As; Model year: 2022 and newer; Maximum loan term: 84 months
As Low As; Model Year: 2024 + older Used
As Low As; Fixed Rates
- Sep 29, 20266.89%▲ from 6.49%
- Sep 14, 20266.49%first recorded
New Car auto loan; APR; New Car 84 months financing for $30,000.00 sticker price or greater
New Car 84 months financing for $30,000.00 sticker price or greater; Credit Union finances 100% of purchase price including tax, registration and extended warranty; Maximum car loan $75,000.00
Tolleson New Auto Auto Loan Rates
- Oct 2, 20266.24%▲ from 6.14%
- Sep 27, 20266.14%▲ from 6.04%
- Sep 18, 20266.04%▲ from 5.94%
- Sep 14, 20265.94%first recorded
For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term. Purchase of a new car would have a 6.24% APR for 60 months, monthly payment of $875.01 for $45,000 financing, down payment of $0
- Oct 2, 20266.24%▲ from 6.14%
- Sep 27, 20266.14%▲ from 6.04%
- Sep 18, 20266.04%▲ from 5.94%
- Sep 14, 20265.94%first recorded
As Low As; Auto & Recreational Loans
As Low As
As Low As; Rates subject to change.
Published APR range: 3.94% - 14.00%. 100% Financing**
Published APR range: 3.99%-16.99%.
Published APR range: 3.99% - 16.99%.
As Low As; Category: New & Used Automobiles
As low as
As Low As; Auto & Recreational Loans
As Low As; Up to 120% financing
As Low As; Up to 120% financing
Published APR range: 4.19% - 15.00%.
Tier 1 credit; includes automatic payment discount from NGFCU checking or savings account
As Low As
As Low As; Rates subject to change.
As Low As; Rates apply to 2019 or newer models if conditions are met.
As Low As; Up to 120% financing
Published APR range: 4.44% - 15.20%.
Published APR range: 4.49% - 16.99%. Model Year: 2024 & Newer; Effective Date: Monday, October 12th, 2026
As Low As; Up to 120% financing
As Low As; Category: New & Used Automobiles
As Low As; Rate assumes loan to value of 100% or less and term of 60 months or less. Not all borrowers will qualify for the lowest interest rate.
As Low As; Final rate based on credit worthiness and term of the loan.
- Sep 25, 20264.50%▼ from 4.59%
- Sep 14, 20264.59%first recorded
As Low As
As Low As; Rates subject to change.
Tier 1 credit; includes automatic payment discount from NGFCU checking or savings account
Published APR range: 4.69% - 15.65%.
As Low As; Rates apply to 2019 or newer models if conditions are met.
Minimum loan $10,001 on terms of more than 48 months; Tier 1 credit; includes automatic payment discount from NGFCU checking or savings account
Minimum loan $10,001 on terms of more than 48 months; Tier 1 credit; includes automatic payment discount from NGFCU checking or savings account
As Low As; Up to 120% financing
New Car auto loan; APR
New Car auto loan; APR
New Car auto loan; APR
Credit Union finances 100% of purchase price including tax, registration and extended warranty; Maximum car loan $75,000.00
Credit Union finances 100% of purchase price including tax, registration and extended warranty; Maximum car loan $75,000.00
Credit Union finances 100% of purchase price including tax, registration and extended warranty; Maximum car loan $75,000.00
Published APR range: 4.99% - 17.24%. Model Year: 2024 & Newer; Effective Date: Monday, October 12th, 2026
APR Type: Fixed; Effective Date: 10/12/2026
APR Type: Fixed; Effective Date: 10/12/2026
APR Type: Fixed; Effective Date: 10/12/2026
APR Type: Fixed; Effective Date: 10/12/2026
APR Type: Fixed; Effective Date: 10/12/2026
As Low As; Up to 120% financing
Published APR range: 4.99% - 17.65%. As low as
Published APR range: 4.99%-16.99%.
Published APR range: 4.99% - 16.99%.
New Auto loans (Min $20,000.00)
Published APR range: 5.24% - 17.74%. Model Year: 2020 - 2023; Effective Date: Monday, October 12th, 2026
lowest available
As Low As; New Vehicle 2021 and Newer, 10,000 miles or less
New Auto loans
As Low As; Fixed Rates; Vehicle loan
- Sep 29, 20265.39%▲ from 4.99%
- Sep 14, 20264.99%first recorded
As Low As; Rates apply to 2019 or newer models if conditions are met.
As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.
- Sep 27, 20265.49%▲ from 5.39%
- Sep 18, 20265.39%first recorded
Published APR range: 5.49% - 17.74%. Model Year: 2024 & Newer; Effective Date: Monday, October 12th, 2026
Minimum loan $10,001 on terms of more than 48 months; Tier 1 credit; includes automatic payment discount from NGFCU checking or savings account
Published APR range: 5.49%-16.99%.
Published APR range: 5.49% - 16.99%.
As Low As; Max term: Up to 48 months
Published APR range: 5.50% - 18.15%. As low as
As Low As; Model year: 2022 and newer; Maximum loan term: 48 months
As Low As; Fixed Rates; Vehicle loan
- Sep 29, 20265.64%▲ from 5.24%
- Sep 14, 20265.24%first recorded
As Low As; Model year: 2022 and newer; Maximum loan term: 63 months
As Low As; APR*
Interest rates based on approved credit on scores 675-750
Interest rates based on approved credit on scores 675-750
As low as
As low as
New Car auto loan; APR; New Car 72 months financing for $20,000.00 sticker price or greater
New Car 72 months financing for $20,000.00 sticker price or greater; Credit Union finances 100% of purchase price including tax, registration and extended warranty; Maximum car loan $75,000.00
As Low As; Rates apply to 2019 or newer models if conditions are met.
Interest rates based on approved credit on scores 675-750
As Low As
As Low As; Rates subject to change.
As Low As; APR*
Published APR range: 5.99% - 17.74%. Model Year: 2024 & Newer; Effective Date: Monday, October 12th, 2026
Published APR range: 5.99%-7.49%. **
Published APR range: 5.99% - 7.49%.
As Low As
Published APR range: 6.00% - 20.15%. As low as
APR range: 6.00% - 13.85%; up to 14.10% financing on New/Used Auto purchases and refinances from another institution, maximum 84-month term
- Sep 29, 20266.00%▲ from 5.75%
- Sep 14, 20265.75%first recorded
lowest available
As Low As; Model Year: 2025 + newer New + used
As Low As; Model Year: 2025 + newer New + used
As Low As; Model Year: 2025 + newer New + used
Over $20,000; interest rates based on approved credit on scores 675-750
As Low As; Fixed Rates; Vehicle loan
- Sep 29, 20266.14%▲ from 5.74%
- Sep 14, 20265.74%first recorded
Published APR range: 6.24% - 17.99%. Model Year: 2020 - 2023; Effective Date: Monday, October 12th, 2026
As Low As
Over $20,000; interest rates based on approved credit on scores 675-750
APR range: 6.24% - 14.10%
- Sep 29, 20266.24%▲ from 5.99%
- Sep 18, 20265.99%first recorded
APR range: 6.24% - 12.73%
- Sep 29, 20266.24%▲ from 5.99%
- Sep 18, 20265.99%first recorded
Credit Score: 725+
- Oct 4, 20266.25%▼ from 11.25%
- Sep 25, 202611.25%▲ from 6.25%
- Sep 14, 20266.25%first recorded
As Low As; New Vehicle 2021 and Newer, 10,000 miles or less
As low as
As Low As; Model year: 2022 and newer; Maximum loan term: 75 months
As low as
As Low As; Fixed Rates; Vehicle loan
- Sep 29, 20266.39%▲ from 5.99%
- Sep 14, 20265.99%first recorded
lowest available
As low as
Published APR range: 6.49% - 17.99%. Model Year: 2020 - 2023; Effective Date: Monday, October 12th, 2026
As Low As; New Vehicle 2021 and Newer, 10,000 miles or less; Amount: Up to $25,000
As Low As; Max term: Up to 60 months
As low as
As Low As; Model Year: 2025 + newer New + used
As Low As
Over $25,000; interest rates based on approved credit on scores 675-750
Credit Score: 725+
As Low As; New Vehicle 2021 and Newer, 10,000 miles or less; Amount: Greater than $30,000
As Low As; Amount: Up to $25,000; Max term: Up to 72 months
As Low As; Model year: 2022 and newer; Maximum loan term: 84 months
New Car auto loan; APR; New Car 84 months financing for $30,000.00 sticker price or greater
New Car 84 months financing for $30,000.00 sticker price or greater; Credit Union finances 100% of purchase price including tax, registration and extended warranty; Maximum car loan $75,000.00
Tolleson Used Auto Auto Loan Rates
- Oct 2, 20266.29%▲ from 6.19%
- Sep 27, 20266.19%▲ from 6.09%
- Sep 18, 20266.09%▲ from 5.99%
- Sep 14, 20265.99%first recorded
For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term. Purchase of a used 2022 year car would have a 6.29% APR for 60 months, monthly payment of $584.04 for $30,000 financing, down payment of $0
- Oct 2, 20266.29%▲ from 6.19%
- Sep 27, 20266.19%▲ from 6.09%
- Sep 18, 20266.09%▲ from 5.99%
- Sep 14, 20265.99%first recorded
As Low As; Auto & Recreational Loans
Published APR range: 3.99%-16.99%.
Published APR range: 3.99% - 16.99%.
Published APR range: 4.19% - 14.25%. 100% Financing**
As Low As; Rates apply to 2019 or newer models if conditions are met.
Published APR range: 4.44% - 15.25%.
Published APR range: 4.49% - 16.99%. Model Year: 2024 & Newer; Effective Date: Monday, October 12th, 2026
As Low As; Category: New & Used Automobiles
As Low As; Auto & Recreational Loans
Published APR range: 4.69% - 15.45%.
As Low As; Rates apply to 2019 or newer models if conditions are met.
As Low As
As Low As; Rates subject to change.
Published APR range: 4.94% - 15.90%.
As Low As; Final rate based on credit worthiness and term of the loan.
- Sep 25, 20264.99%▼ from 6.99%
- Sep 14, 20266.99%first recorded
Published APR range: 4.99% - 17.24%. Model Year: 2024 & Newer; Effective Date: Monday, October 12th, 2026
Published APR range: 4.99%-16.99%.
Published APR range: 4.99% - 16.99%.
As low as
Published APR range: 5.24% - 17.74%. Model Year: 2020 - 2023; Effective Date: Monday, October 12th, 2026
As Low As
As Low As; Rates subject to change.
Used Auto loans (Min $15,000.00)
As Low As
As Low As; Rates subject to change.
As Low As; Rates apply to 2019 or newer models if conditions are met.
Published APR range: 5.49% - 17.74%. Model Year: 2024 & Newer; Effective Date: Monday, October 12th, 2026
Published APR range: 5.49% - 19.15%. As low as
Published APR range: 5.49%-16.99%.
Published APR range: 5.49% - 16.99%.
As Low As; Max term: Up to 48 months
Used Auto Loans
As Low As; Fixed Rates; APR (as low as)
- Sep 29, 20265.64%▲ from 5.24%
- Sep 14, 20265.24%first recorded
As Low As; Model Year: 2015 to 2017 (used vehicle)
As Low As; Used auto loan, model years 2018 to 2021
As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.
- Sep 27, 20265.69%▲ from 5.59%
- Sep 18, 20265.59%first recorded
As Low As; APR*
As Low As; Model Year: 2015 to 2017 (used vehicle)
As Low As; Used auto loan, model years 2018 to 2021
As Low As; Fixed Rates; APR (as low as)
- Sep 29, 20265.89%▲ from 5.49%
- Sep 14, 20265.49%first recorded
APR = Annual Percentage Rate; Maximum car loan is $75,000.00
APR = Annual Percentage Rate; Maximum car loan is $75,000.00
APR = Annual Percentage Rate; Maximum car loan is $75,000.00
As Low As; Rates apply to 2019 or newer models if conditions are met.
Interest rates based on approved credit on scores 675-750
Interest rates based on approved credit on scores 675-750
As Low As; APR*
Published APR range: 5.99% - 17.74%. Model Year: 2024 & Newer; Effective Date: Monday, October 12th, 2026
Published APR range: 5.99%-7.49%. **
Published APR range: 5.99% - 7.49%.
Published APR range: 6.00% - 19.65%. As low as
APR range: 6.00% - 13.85%; up to 14.10% financing on New/Used Auto purchases and refinances from another institution, maximum 84-month term
- Sep 29, 20266.00%▲ from 5.75%
- Sep 14, 20265.75%first recorded
As Low As; Model Year: 2025 + newer New + used
As Low As; Model Year: 2025 + newer New + used
As Low As; Model Year: 2025 + newer New + used
As Low As; Fixed Rates
- Sep 29, 20266.14%▲ from 5.74%
- Sep 14, 20265.74%first recorded
Published APR range: 6.24% - 17.99%. Model Year: 2020 - 2023; Effective Date: Monday, October 12th, 2026
Interest rates based on approved credit on scores 675-750
APR range: 6.24% - 14.10%
- Sep 29, 20266.24%▲ from 5.99%
- Sep 18, 20265.99%first recorded
APR range: 6.24% - 12.73%
- Sep 29, 20266.24%▲ from 5.99%
- Sep 18, 20265.99%first recorded
As low as
2016 - 2026
As Low As; Model Year: 2024 + older Used
As Low As; Model Year: 2024 + older Used
As Low As; Model Year: 2024 + older Used
2018 - 2026
As Low As; Fixed Rates
- Sep 29, 20266.39%▲ from 5.99%
- Sep 14, 20265.99%first recorded
As Low As; Fixed Rates; APR (as low as)
- Sep 29, 20266.39%▲ from 5.99%
- Sep 14, 20265.99%first recorded
2022 - 2026
Published APR range: 6.49% - 17.99%. Model Year: 2020 - 2023; Effective Date: Monday, October 12th, 2026
As Low As; Max term: Up to 60 months
As Low As; Used auto loan, model years 2018 to 2021
2023 - 2026
As Low As; Model Year: 2025 + newer New + used
As Low As; Fixed Rate; Rates as of September 23, 2026
- Sep 29, 20266.64%▲ from 6.24%
- Sep 14, 20266.24%first recorded
Over $20,000; interest rates based on approved credit on scores 675-750
As Low As; Amount: Up to $25,000; Max term: Up to 72 months
As Low As; Model Year: 2024 + older Used
As Low As; Fixed Rates
- Sep 29, 20266.89%▲ from 6.49%
- Sep 14, 20266.49%first recorded
Tolleson, AZ Auto Loan Rate Trends
Compare local Tolleson, 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 0.056 points over the past 7 days to 5.321% APR.
Arizona used auto rates fell 0.011 points over the past 7 days to 5.754% APR.
Tolleson, AZ Auto Loan Rate Forecast, Next 12 Months
Auto loan APRs track lender funding costs, which follow Federal Reserve policy. Our model projects the likely path of new and used auto averages from the current Arizona figures.
Forecast Methodology & Assumptions
Key assumptions: the Federal Reserve holds the federal funds rate at its current level over the next 12 months, with the possibility of one 25 basis point increase; auto lenders reprice within one to two policy cycles as funding costs move, and credit union pricing tends to lag banks slightly.
Important notice: this forecast is for informational purposes only and should not be used as the sole basis for financial decisions. Rate forecasts carry significant uncertainty. The actual trajectory will depend on Federal Reserve decisions, economic conditions, and competitive dynamics among financial institutions.
What Would Your Monthly Car Payment Be?
Estimated monthly payments on a standard 60-month auto loan at today’s average Arizona APRs. Even a small APR difference adds up over the life of a car loan. Use the calculator below to model your exact loan.
| Loan Amount | New Auto @ 5.32% APR AZ average | Used Auto @ 5.75% APR AZ average | Monthly Difference |
|---|---|---|---|
| $15,000 | $285.28/mo | $288.28/mo | $3.00/mo |
| $25,000 | $475.47/mo | $480.47/mo | $5.00/mo |
| $35,000 | $665.65/mo | $672.65/mo | $7.00/mo |
| $45,000 | $855.84/mo | $864.84/mo | $9.00/mo |
Principal and interest only, 60-month term, calculated from current average APRs. Taxes, title, registration, and optional add-ons are not included. Your APR depends on credit score, loan term, vehicle age, and lender underwriting.
How to Get the Best Auto Loan Rate in Tolleson, Arizona
Get Preapproved Before You Shop
A preapproval from a bank or credit union serving Tolleson, Arizona locks in a real rate before you set foot on a dealer lot. It turns you into a cash buyer, gives you a benchmark to beat, and protects you from dealer financing markups. Dealers can legally add points to the rate a lender actually approved you for.
Check Credit Unions First
Credit unions consistently offer some of the lowest auto loan APRs in Arizona. Membership is usually easier to get than people expect. Many local credit unions accept anyone who lives, works, or worships in the area, and some let you join with a small donation to a partner charity.
Choose the Shortest Term You Can Afford
Shorter terms almost always carry lower APRs, and you pay interest for fewer months. A 72- or 84-month loan lowers the monthly payment but dramatically raises total interest cost and increases the time you spend “underwater”, owing more than the car is worth. Aim for 60 months or less if the payment fits your budget.
Mind the New vs. Used Rate Spread
Used car loans typically run 0.5 to 1.5 percentage points above new car rates. If you’re shopping late-model used vehicles, ask about certified pre-owned programs. CPO vehicles sometimes qualify for new-car financing rates, which can offset part of the price difference between the two.
- Saving up for a bigger down payment: park it in a Tolleson, Arizona high-yield savings account so it earns while you shop
- Buying from a private seller where auto financing is harder to arrange: compare personal loan rates
- Car fund you won’t need for a set period: Tolleson, Arizona CD rates lock in a guaranteed return until you’re ready to buy
Tolleson, Arizona Financial Snapshot
Local demographics and economic context for car buyers. Source: U.S. Census Bureau
A $571 monthly car payment works out to roughly 23.0% of the median individual income in Tolleson, Arizona. Most budgeting guidelines suggest keeping total vehicle costs (payment, insurance, fuel, and maintenance) under 15 to 20% of take-home pay.
Auto Financing Options Compared
An auto loan isn’t the only way to finance a vehicle in Tolleson, Arizona, but for most borrowers it’s the cheapest. Here’s how the main options stack up.
| Feature | Credit Union Auto Loan | Bank Auto Loan | Dealer Financing | Personal Loan |
|---|---|---|---|---|
| Typical APR Level | ✓ Often lowest | ✓ Competitive | ● Varies, can be marked up | ✗ Highest (unsecured) |
| Rate Locked Before You Shop | ✓ Yes, via preapproval | ✓ Yes, via preapproval | ✗ Arranged at the dealership | ✓ Yes |
| Membership / Relationship Required | ● Membership (usually easy) | ✗ No | ✗ No | ✗ No |
| Works for Private-Party Sales | ✓ Usually | ● Sometimes | ✗ No | ✓ Yes |
| Convenience at Purchase | ● Preapproval step first | ● Preapproval step first | ✓ One-stop at the dealer | ● Funds in 1 to 3 days |
| Best For | Lowest total cost of borrowing | Existing bank customers & rate discounts | Manufacturer 0% promos on new cars | Older vehicles lenders won’t finance |
General comparison for educational purposes. Manufacturer promotional financing (0 to 2.9% APR offers) through dealers can beat any bank or credit union rate when you qualify. Always compare the promo against a cash rebate plus outside financing.
Auto Loan Payment Calculator
Estimate your monthly payment on a new or used vehicle in Tolleson, Arizona. We’ve prefilled the APR with today’s AZ new-auto average, or click any current rate on the right to apply it instantly.
Estimates include principal and interest only. Sales tax, title, registration, documentation fees, and optional products (GAP, warranties) are not included and are often financed into the loan. Advertised APRs typically require excellent credit; your rate may differ.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Tolleson, 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 Tolleson, 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 Tolleson, Arizona. We feature a comprehensive mix of lenders, from neighborhood credit unions and competitive regional banks to large national auto lenders available to borrowers in AZ.
Regularly Updated APRs: Our rate updaters verify and update auto loan rates regularly. Because APRs can change based on market conditions and lender policies, every product features its own “last updated” date for full transparency. Auto loan APRs shown typically represent the lowest available rate for borrowers with excellent credit; your actual rate will depend on your credit history, credit score, income, loan term, vehicle age, and other underwriting factors.
Bad Credit Auto Loans in Tolleson, Arizona
You can get a car loan with bad credit, but your credit score moves the APR more than almost anything else. Lenders sort borrowers into tiers, and the average used car loan for a subprime borrower costs more than twice what a prime borrower pays. On a $25,000 used car loan over 60 months, that gap adds up to about $8,000 in extra interest.
| Credit Tier | Score Range | New Car APR | Used Car APR | $25,000 Used, 60 Mo. |
|---|---|---|---|---|
| Super prime | 781 to 850 | 4.41% | 6.29% | $487/mo |
| Prime | 661 to 780 | 6.15% | 8.81% | $517/mo |
| Near prime | 601 to 660 | 9.71% | 13.93% | $581/mo |
| Subprime | 501 to 600 | 13.52% | 19.10% | $650/mo |
| Deep subprime | 300 to 500 | 16.11% | 21.62% | $685/mo |
Average APRs from Experian, State of the Automotive Finance Market, Q2 2026 (VantageScore 4.0). Payment is principal and interest only.
Get Preapproved Before the Dealer
A preapproval from a bank or credit union gives you a real rate to compare. Dealers can add a markup to the rate a lender approves, and bad credit car buyers are the easiest to overcharge.
Start With a Credit Union
Federal credit unions cannot charge more than 18% APR on most loans through September 10, 2027, and many will look past your score at your income and history with them.
Put More Money Down
A larger down payment lowers the lender's risk and keeps you from owing more than the car is worth. Even 10% to 20% down can move a borderline application to an approval.
Keep the Term Short
A 72 or 84 month loan lowers the payment but stacks interest on top of an already high APR. Choose a less expensive car before you choose a longer term.
Add a Cosigner
A cosigner with strong credit can get you a prime rate. They are fully responsible for the loan if you miss payments, so only ask someone who understands that.
Be Careful With Buy Here Pay Here
These lots approve almost anyone, but often at the highest legal rates and on older cars. Many do not report on time payments to the credit bureaus, so the loan may not help rebuild your score.
Frequently Asked Questions about Auto Loans in Tolleson, 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?
Should I get preapproved for an auto loan before visiting a dealer in Tolleson, Arizona?
Why are used car loan rates higher than new car rates?
Can I refinance my auto loan if rates drop or my credit improves?
Can I get an auto loan with bad credit in Tolleson, Arizona?
What is the average car loan rate for bad credit?
What are the best Auto Loan rates in Tolleson, Arizona?
- Chase Bank: 6.24% (New car purchase Loan)
- American Airlines Federal Credit Union: 3.34% (New Auto)
- Navy Federal Credit Union: 3.89% (New Auto Loan)
- Southwest Airlines Federal Credit Union: 3.94% (New Auto)
- Arrowhead Central Credit Union: 3.99% (New & Used Autos)
Tolleson, Arizona Rates & Resources
