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Auto Loan Rates in Mesa, Arizona (AZ) for May 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
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Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
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| i Editorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of local and national lenders actively lending to borrowers in Mesa, Arizona. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
| ✓Fact Checked | Auto Loan Rates — Last Updated and Verified: May 12, 2026

Current auto loan rates in Mesa, Arizona include Mountain America Federal Credit UnionMountain America Federal Credit Union4325 E Southern Ave, Mesa, AZ, 85206A5.0 ★Texas Ratio: 11.38% offering New & used car loans at 4.99%, America First Federal Credit UnionAmerica First Federal Credit Union6846 E Warner Rd, Mesa, AZ, 85212 2138A5.0 ★Texas Ratio: 8.12% offering Auto Loan at 4.99%, Banner Federal Credit UnionBanner Federal Credit Union2225 W Southern Ave, Mesa, AZ, 85202A+5.0 ★Texas Ratio: 1.93% offering 2022 - New Auto Loan at 5.24%, Vantage West Credit UnionVantage West Credit Union1239 E McKellips Rd Ste 110, Mesa, AZ, 85203 2700A5.0 ★Texas Ratio: 6.58% offering Auto Loan at 5.55%, UNIFY Financial Federal Credit UnionUNIFY Financial Federal Credit Union1840 S Stapley Dr STE 225, Mesa, AZ, 85204B4.4 ★Texas Ratio: 21.76% offering New & Used Vehicles2 at 5.74%. Auto loan rates as of May 12, 2026 according to verified data from MonitorBankRates.

Mesa has 6 local institutions in our database, with auto loan rates as low as 4.99% APR from Mountain America Federal Credit Union at 4325 E Southern Ave, Mesa, AZ, 85206. 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 Mesa, Arizona. Auto Loan Rates Last Updated and Verified: May 12, 2026

Compare Auto Loan Rates Today in Mesa, Arizona & Surrounding Area

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.38%
4325 E Southern Ave, Mesa, AZ, 85206
New & used car loans
4.99%
60 Months
View
▼
APR4.99%
Term60 Months
Last UpdatedMay 10, 2026
Details

As Low As

America First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.12%
6846 E Warner Rd, Mesa, AZ, 85212 2138
Auto Loan
4.99%
5 Years
View
▼
APR4.99%
Term5 Years
Last UpdatedMay 10, 2026
Details

As Low As

Mountain America Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.38%
4325 E Southern Ave, Mesa, AZ, 85206
New car loans
5.24%
72-month
View
▼
APR5.24%
Term72-month
Last UpdatedMay 10, 2026
Details

As Low As

America First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.12%
6846 E Warner Rd, Mesa, AZ, 85212 2138
Auto Loan
5.24%
6 Years
View
▼
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%
6846 E Warner Rd, Mesa, AZ, 85212 2138
Auto Loan - Declining Rate Auto
5.24%
5 Years
View
▼
APR5.24%
Term5 Years
Last UpdatedMay 10, 2026
Details

As Low As

Banner Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.93%
2225 W Southern Ave, Mesa, AZ, 85202
2022 - New Auto Loan
5.24%
0-60
View
▼
APR5.24%
Term0-60
Last UpdatedMay 12, 2026
Details

As Low As

Banner Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.93%
2225 W Southern Ave, Mesa, AZ, 85202
2022 - New Auto Loan
5.49%
61-72
View
▼
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%
2225 W Southern Ave, Mesa, AZ, 85202
Auto Loan
5.49%
0-60
View
▼
APR5.49%
Term0-60
Last UpdatedMay 12, 2026
Details

As Low As; 2021 - New

Vantage West Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.58%
1239 E McKellips Rd Ste 110, Mesa, AZ, 85203 2700
Auto Loan
5.55%
48 Months
View
▼
APR5.55%
Term48 Months
Last UpdatedMay 12, 2026
Details

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
1840 S Stapley Dr STE 225, Mesa, AZ, 85204
New & Used Vehicles2
5.74%
Up to 2 years
View
▼
APR5.74%
TermUp to 2 years
Last UpdatedMay 7, 2026
Details

Banner Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.93%
2225 W Southern Ave, Mesa, AZ, 85202
Auto Loan
5.74%
61-72
View
▼
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%
1239 E McKellips Rd Ste 110, Mesa, AZ, 85203 2700
Auto Loan
5.80%
60 Months
View
▼
APR5.80%
Term60 Months
Last UpdatedMay 12, 2026
Details

America First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.12%
6846 E Warner Rd, Mesa, AZ, 85212 2138
Auto Loan
5.99%
7 Years
View
▼
APR5.99%
Term7 Years
Last UpdatedMay 10, 2026
Details

As Low As

TruWest Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
1982 W Main St Ste 104, Mesa, AZ, 85201 6917
New/Used Auto
6.15%
49 - 63
View
▼
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%
1239 E McKellips Rd Ste 110, Mesa, AZ, 85203 2700
Auto Loan
6.15%
72 Months
View
▼
APR6.15%
Term72 Months
Last UpdatedMay 12, 2026
Details

Banner Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.93%
2225 W Southern Ave, Mesa, AZ, 85202
2022 - New Auto Loan
6.24%
73-84
View
▼
APR6.24%
Term73-84
Last UpdatedMay 12, 2026
Details

As Low As

TruWest Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
1982 W Main St Ste 104, Mesa, AZ, 85201 6917
New/Used Auto
6.30%
76 - 84
View
▼
APR6.30%
Term76 - 84
Last UpdatedMay 10, 2026
Details

Rates after 0.25% discount

Vantage West Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.58%
1239 E McKellips Rd Ste 110, Mesa, AZ, 85203 2700
Auto Loan
6.45%
84 Months
View
▼
APR6.45%
Term84 Months
Last UpdatedMay 12, 2026
Details

Banner Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.93%
2225 W Southern Ave, Mesa, AZ, 85202
Auto Loan
6.49%
***73-84
View
▼
APR6.49%
Term***73-84
Last UpdatedMay 12, 2026
Details

As Low As; 2021 - New

Banner Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.93%
2225 W Southern Ave, Mesa, AZ, 85202
2017-2021 Auto Loan
7.24%
0-60
View
▼
APR7.24%
Term0-60
Last UpdatedMay 12, 2026
Details

As Low As

Banner Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.93%
2225 W Southern Ave, Mesa, AZ, 85202
Auto Loan
7.49%
0-60
View
▼
APR7.49%
Term0-60
Last UpdatedMay 12, 2026
Details

As Low As; 2016-2020

America First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.12%
6846 E Warner Rd, Mesa, AZ, 85212 2138
Auto Loan - (Minimum Loan Amount of Required)
7.74%
8 Years
View
▼
APR7.74%
Term8 Years
Last UpdatedMay 10, 2026
Details

$30,000; As Low As

Banner Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.93%
2225 W Southern Ave, Mesa, AZ, 85202
2017-2021 Auto Loan
7.99%
61-72
View
▼
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%
2225 W Southern Ave, Mesa, AZ, 85202
Auto Loan
8.24%
61-72
View
▼
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%
2225 W Southern Ave, Mesa, AZ, 85202
2017-2021 Auto Loan
8.74%
73-84
View
▼
APR8.74%
Term73-84
Last UpdatedMay 12, 2026
Details

As Low As

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
1840 S Stapley Dr STE 225, Mesa, AZ, 85204
Classic Vehicle Loans2
8.99%
Up to 4 years
View
▼
APR8.99%
TermUp to 4 years
Last UpdatedMay 7, 2026
Details

Banner Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.93%
2225 W Southern Ave, Mesa, AZ, 85202
Auto Loan
8.99%
***73-84
View
▼
APR8.99%
Term***73-84
Last UpdatedMay 12, 2026
Details

As Low As; 2016-2020

American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
New Auto
3.74%
Up to 36 Months
View
▼
APR3.74%
TermUp to 36 Months
Last UpdatedMay 7, 2026
Details

As Low As

TruGrocer Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.15%
Vehicle Loan
3.99%
24 Months
View
▼
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
View
▼
APR3.99%
Term36 Months
Last UpdatedMay 10, 2026
Details

San Diego Firefighters Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 0.97%
Autos
4.19%
24 Months
View
▼
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%
Used Auto
4.24%
Up to 36 Months
View
▼
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%
Autos
4.39%
48 Months
View
▼
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%
New Auto
4.49%
Up to 60 months
View
▼
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%
Autos
4.49%
60 Months
View
▼
APR4.49%
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
4.49%
24 Months
View
▼
APR4.49%
Term24 Months
Last UpdatedMay 10, 2026
Details

As Low As

Florida West Coast Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.98%
New Automobile (2025 & newer)
4.50%
up to 84 Months1
View
▼
APR4.50%
Termup to 84 Months1
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
View
▼
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
View
▼
APR4.74%
TermUp to 60 months
Last UpdatedMay 12, 2026
Details

Florida West Coast Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.98%
Used Automobile (2017 & newer)
4.75%
up to 72 months
View
▼
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%
Autos
4.89%
72 Months
View
▼
APR4.89%
Term72 Months
Last UpdatedMay 7, 2026
Details

As Low As

Greenwich Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.08%
New Cars
4.90%
36 Months
View
▼
APR4.90%
Term36 Months
Last UpdatedMay 7, 2026
Details

1st Bank Yuma
Institution Rating:
A5.0 ★ Texas Ratio: 6.49%
New Auto
4.95%
48 months
View
▼
APR4.95%
Term48 months
Last UpdatedMay 5, 2026
Details

1st Bank Yuma
Institution Rating:
A5.0 ★ Texas Ratio: 6.49%
Used Auto
4.95%
48 months
View
▼
APR4.95%
Term48 months
Last UpdatedMay 5, 2026
Details

OneAZ Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.02%
Used Auto
4.95%
48 Months
View
▼
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%
Used Auto
4.99%
Up to 60 months
View
▼
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%
Autos
4.99%
84 Months
View
▼
APR4.99%
Term84 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
4.99%
48 to 60 Months
View
▼
APR4.99%
Term48 to 60 Months
Last UpdatedMay 10, 2026
Details

Credit Union West Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
Auto Loans
4.99%
Up to 96 Months
View
▼
APR4.99%
TermUp to 96 Months
Last UpdatedMay 12, 2026
Details

Fixed

Credit Union of Southern California
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
New Auto
4.99%
Up to 72 months
View
▼
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
View
▼
APR4.99%
TermUp to 60 months
Last UpdatedMay 12, 2026
Details

1st Bank Yuma
Institution Rating:
A5.0 ★ Texas Ratio: 6.49%
New Auto
5.15%
60 months
View
▼
APR5.15%
Term60 months
Last UpdatedMay 5, 2026
Details

1st Bank Yuma
Institution Rating:
A5.0 ★ Texas Ratio: 6.49%
Used Auto
5.15%
60 months
View
▼
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
View
▼
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
View
▼
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.

Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
New & Used Autos
5.24%
72 Months
View
▼
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
View
▼
APR5.24%
TermUp to 72 months
Last UpdatedMay 12, 2026
Details

Sharefax Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.21%
MODEL YEAR 2023 & NEWER Vehicle Loan
5.39%
63 Months
View
▼
APR5.39%
Term63 Months
Last UpdatedMay 10, 2026
Details

As Low As; Up to 63 Months

Credit Union of Southern California
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
New Auto
5.39%
Up to 84 months
View
▼
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
View
▼
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
View
▼
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.

1st Bank Yuma
Institution Rating:
A5.0 ★ Texas Ratio: 6.49%
New Auto
5.45%
72 months
View
▼
APR5.45%
Term72 months
Last UpdatedMay 5, 2026
Details

1st Bank Yuma
Institution Rating:
A5.0 ★ Texas Ratio: 6.49%
Used Auto
5.45%
72 months
View
▼
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
View
▼
APR5.49%
Term84 Months
Last UpdatedMay 6, 2026
Details

As Low As

Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
New Autos, SUVs, Trucks, Vans
5.49%
3-7 year
View
▼
APR5.49%
Term3-7 year
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
View
▼
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
View
▼
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
View
▼
APR5.49%
Term48 months
Last UpdatedMay 10, 2026
Details

As Low As

Alhambra Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.81%
New Vehicle
5.50%
60 Months
View
▼
APR5.50%
Term60 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
View
▼
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
View
▼
APR5.74%
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
5.74%
60 Months
View
▼
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
View
▼
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
View
▼
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
View
▼
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.

Sharefax Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.21%
MODEL YEAR 2023 & NEWER Vehicle Loan
5.89%
75 Months
View
▼
APR5.89%
Term75 Months
Last UpdatedMay 10, 2026
Details

As Low As; Up to 75 Months

Greenwich Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.08%
New Cars
5.90%
72 Months
View
▼
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
View
▼
APR5.90%
Term36 Months
Last UpdatedMay 7, 2026
Details

1st Bank Yuma
Institution Rating:
A5.0 ★ Texas Ratio: 6.49%
New Auto
5.95%
84 months
View
▼
APR5.95%
Term84 months
Last UpdatedMay 5, 2026
Details

1st Bank Yuma
Institution Rating:
A5.0 ★ Texas Ratio: 6.49%
Used Auto
5.95%
84 months
View
▼
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
View
▼
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
View
▼
APR5.99%
Term36 Months
Last UpdatedMay 10, 2026
Details

As Low As

Alhambra Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.81%
Used Vehicle
5.99%
60 Months
View
▼
APR5.99%
Term60 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
View
▼
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
View
▼
APR5.99%
Term72 months
Last UpdatedMay 10, 2026
Details

As Low As

Alhambra Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.81%
New Vehicle
6.00%
72 Months
View
▼
APR6.00%
Term72 Months
Last UpdatedMay 10, 2026
Details

As Low As

Sharefax Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.21%
MODEL YEAR 2020-2022 Vehicle Loan
6.04%
63 Months
View
▼
APR6.04%
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%
MODEL YEAR 2019 and Older Vehicle Loan
6.44%
63 Months
View
▼
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%
MODEL YEAR 2020-2022 Vehicle Loan
6.44%
75 Months
View
▼
APR6.44%
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%
MODEL YEAR 2023 & NEWER Vehicle Loan
6.49%
84 Months
View
▼
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%
New Vehicle
6.50%
84 Months
View
▼
APR6.50%
Term84 Months
Last UpdatedMay 10, 2026
Details

As Low As

Alhambra Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.81%
Used Vehicle
6.50%
72 Months
View
▼
APR6.50%
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
View
▼
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
View
▼
APR6.90%
Term72 Months
Last UpdatedMay 7, 2026
Details

Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
Used Autos, SUVs, Trucks, Vans
6.99%
3-7 year
View
▼
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%
MODEL YEAR 2016 - 2019 Vehicle Loan
6.99%
75 Months
View
▼
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%
MODEL YEAR 2020-2022 Vehicle Loan
7.24%
84 Months
View
▼
APR7.24%
Term84 Months
Last UpdatedMay 10, 2026
Details

As Low As; Up to 84 Months

Sierra Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.56%
Classic Cars
7.25%
48 Months
View
▼
APR7.25%
Term48 Months
Last UpdatedMay 6, 2026
Details

As Low As

Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
New & Used Autos
7.49%
84 Months
View
▼
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
View
▼
APR7.49%
Termup to 84 months
Last UpdatedMay 12, 2026
Details

Alhambra Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.81%
Used Vehicle
7.50%
84 Months
View
▼
APR7.50%
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
7.90%
84 Months
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
APR16.99%
Term36 Months
Last UpdatedMay 10, 2026
Details

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.38%
4325 E Southern Ave, Mesa, AZ, 85206
New & used car loans
4.99%
60 Months
View
▼
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%
4325 E Southern Ave, Mesa, AZ, 85206
New car loans
5.24%
72-month
View
▼
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%
2225 W Southern Ave, Mesa, AZ, 85202
2022 - New Auto Loan
5.24%
0-60
View
▼
APR5.24%
Term0-60
Last UpdatedMay 12, 2026
Details

As Low As

Banner Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.93%
2225 W Southern Ave, Mesa, AZ, 85202
2022 - New Auto Loan
5.49%
61-72
View
▼
APR5.49%
Term61-72
Last UpdatedMay 12, 2026
Details

As Low As

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
1840 S Stapley Dr STE 225, Mesa, AZ, 85204
New & Used Vehicles2
5.74%
Up to 2 years
View
▼
APR5.74%
TermUp to 2 years
Last UpdatedMay 7, 2026
Details

TruWest Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
1982 W Main St Ste 104, Mesa, AZ, 85201 6917
New/Used Auto
6.15%
49 - 63
View
▼
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%
2225 W Southern Ave, Mesa, AZ, 85202
2022 - New Auto Loan
6.24%
73-84
View
▼
APR6.24%
Term73-84
Last UpdatedMay 12, 2026
Details

As Low As

TruWest Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
1982 W Main St Ste 104, Mesa, AZ, 85201 6917
New/Used Auto
6.30%
76 - 84
View
▼
APR6.30%
Term76 - 84
Last UpdatedMay 10, 2026
Details

Rates after 0.25% discount

American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
New Auto
3.74%
Up to 36 Months
View
▼
APR3.74%
TermUp to 36 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
3.99%
36 Months
View
▼
APR3.99%
Term36 Months
Last UpdatedMay 10, 2026
Details

American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
New Auto
4.49%
Up to 60 months
View
▼
APR4.49%
TermUp to 60 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
4.49%
24 Months
View
▼
APR4.49%
Term24 Months
Last UpdatedMay 10, 2026
Details

As Low As

Florida West Coast Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.98%
New Automobile (2025 & newer)
4.50%
up to 84 Months1
View
▼
APR4.50%
Termup to 84 Months1
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
View
▼
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
View
▼
APR4.74%
TermUp to 60 months
Last UpdatedMay 12, 2026
Details

Florida West Coast Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.98%
Used Automobile (2017 & newer)
4.75%
up to 72 months
View
▼
APR4.75%
Termup to 72 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
4.90%
36 Months
View
▼
APR4.90%
Term36 Months
Last UpdatedMay 7, 2026
Details

1st Bank Yuma
Institution Rating:
A5.0 ★ Texas Ratio: 6.49%
New Auto
4.95%
48 months
View
▼
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
View
▼
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
View
▼
APR4.99%
TermUp to 72 months
Last UpdatedMay 12, 2026
Details

1st Bank Yuma
Institution Rating:
A5.0 ★ Texas Ratio: 6.49%
New Auto
5.15%
60 months
View
▼
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
View
▼
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
View
▼
APR5.24%
Term72 Months
Last UpdatedMay 10, 2026
Details

As Low As

Sharefax Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.21%
MODEL YEAR 2023 & NEWER Vehicle Loan
5.39%
63 Months
View
▼
APR5.39%
Term63 Months
Last UpdatedMay 10, 2026
Details

As Low As; Up to 63 Months

Credit Union of Southern California
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
New Auto
5.39%
Up to 84 months
View
▼
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
View
▼
APR5.44%
Term84 Months
Last UpdatedMay 6, 2026
Details

As Low As

1st Bank Yuma
Institution Rating:
A5.0 ★ Texas Ratio: 6.49%
New Auto
5.45%
72 months
View
▼
APR5.45%
Term72 months
Last UpdatedMay 5, 2026
Details

Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
New Autos, SUVs, Trucks, Vans
5.49%
3-7 year
View
▼
APR5.49%
Term3-7 year
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
View
▼
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
View
▼
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
View
▼
APR5.49%
Term48 months
Last UpdatedMay 10, 2026
Details

As Low As

Alhambra Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.81%
New Vehicle
5.50%
60 Months
View
▼
APR5.50%
Term60 Months
Last UpdatedMay 10, 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
5.74%
60 Months
View
▼
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
View
▼
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
View
▼
APR5.74%
Term60 months
Last UpdatedMay 10, 2026
Details

As Low As

Sharefax Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.21%
MODEL YEAR 2023 & NEWER Vehicle Loan
5.89%
75 Months
View
▼
APR5.89%
Term75 Months
Last UpdatedMay 10, 2026
Details

As Low As; Up to 75 Months

Greenwich Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.08%
New Cars
5.90%
72 Months
View
▼
APR5.90%
Term72 Months
Last UpdatedMay 7, 2026
Details

1st Bank Yuma
Institution Rating:
A5.0 ★ Texas Ratio: 6.49%
New Auto
5.95%
84 months
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
APR5.99%
Term72 months
Last UpdatedMay 10, 2026
Details

As Low As

Alhambra Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.81%
New Vehicle
6.00%
72 Months
View
▼
APR6.00%
Term72 Months
Last UpdatedMay 10, 2026
Details

As Low As

Sharefax Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.21%
MODEL YEAR 2023 & NEWER Vehicle Loan
6.49%
84 Months
View
▼
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%
New Vehicle
6.50%
84 Months
View
▼
APR6.50%
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%
New Cars
6.90%
84 Months
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
APR16.99%
Term36 Months
Last UpdatedMay 10, 2026
Details

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Mountain America Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.38%
4325 E Southern Ave, Mesa, AZ, 85206
New & used car loans
4.99%
60 Months
View
▼
APR4.99%
Term60 Months
Last UpdatedMay 10, 2026
Details

As Low As

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
1840 S Stapley Dr STE 225, Mesa, AZ, 85204
New & Used Vehicles2
5.74%
Up to 2 years
View
▼
APR5.74%
TermUp to 2 years
Last UpdatedMay 7, 2026
Details

TruWest Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.06%
1982 W Main St Ste 104, Mesa, AZ, 85201 6917
New/Used Auto
6.15%
49 - 63
View
▼
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%
1982 W Main St Ste 104, Mesa, AZ, 85201 6917
New/Used Auto
6.30%
76 - 84
View
▼
APR6.30%
Term76 - 84
Last UpdatedMay 10, 2026
Details

Rates after 0.25% discount

Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
New & Used Autos
3.99%
36 Months
View
▼
APR3.99%
Term36 Months
Last UpdatedMay 10, 2026
Details

American Airlines Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.63%
Used Auto
4.24%
Up to 36 Months
View
▼
APR4.24%
TermUp to 36 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
4.49%
24 Months
View
▼
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
View
▼
APR4.74%
Term48 Months
Last UpdatedMay 10, 2026
Details

As Low As

Florida West Coast Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.98%
Used Automobile (2017 & newer)
4.75%
up to 72 months
View
▼
APR4.75%
Termup to 72 months
Last UpdatedMay 10, 2026
Details

As Low As

1st Bank Yuma
Institution Rating:
A5.0 ★ Texas Ratio: 6.49%
Used Auto
4.95%
48 months
View
▼
APR4.95%
Term48 months
Last UpdatedMay 5, 2026
Details

OneAZ Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.02%
Used Auto
4.95%
48 Months
View
▼
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%
Used Auto
4.99%
Up to 60 months
View
▼
APR4.99%
TermUp to 60 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
4.99%
48 to 60 Months
View
▼
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
View
▼
APR4.99%
TermUp to 60 months
Last UpdatedMay 12, 2026
Details

1st Bank Yuma
Institution Rating:
A5.0 ★ Texas Ratio: 6.49%
Used Auto
5.15%
60 months
View
▼
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
View
▼
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
View
▼
APR5.24%
TermUp to 72 months
Last UpdatedMay 12, 2026
Details

1st Bank Yuma
Institution Rating:
A5.0 ★ Texas Ratio: 6.49%
Used Auto
5.45%
72 months
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
APR5.74%
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
5.74%
60 Months
View
▼
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
View
▼
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
View
▼
APR5.90%
Term36 Months
Last UpdatedMay 7, 2026
Details

1st Bank Yuma
Institution Rating:
A5.0 ★ Texas Ratio: 6.49%
Used Auto
5.95%
84 months
View
▼
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
View
▼
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
View
▼
APR5.99%
Term36 Months
Last UpdatedMay 10, 2026
Details

As Low As

Alhambra Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.81%
Used Vehicle
5.99%
60 Months
View
▼
APR5.99%
Term60 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
View
▼
APR5.99%
Term84 Months
Last UpdatedMay 10, 2026
Details

Alhambra Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.81%
Used Vehicle
6.50%
72 Months
View
▼
APR6.50%
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%
Used Cars
6.90%
72 Months
View
▼
APR6.90%
Term72 Months
Last UpdatedMay 7, 2026
Details

Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
Used Autos, SUVs, Trucks, Vans
6.99%
3-7 year
View
▼
APR6.99%
Term3-7 year
Last UpdatedMay 6, 2026
Details

As Low As

Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
New & Used Autos
7.49%
84 Months
View
▼
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
View
▼
APR7.49%
Termup to 84 months
Last UpdatedMay 12, 2026
Details

Alhambra Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.81%
Used Vehicle
7.50%
84 Months
View
▼
APR7.50%
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
7.90%
84 Months
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
APR16.99%
Term36 Months
Last UpdatedMay 10, 2026
Details

Mesa, AZ Auto Loan Rate Trends

Compare local Mesa, 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.

View Full Arizona Auto Trends →
New Auto Loan — AZ Avg
5.753%
▼ 0.053 vs 7 days ago

Arizona new auto rates fell 0.053 points over the past 7 days to 5.753% APR.

Used Auto Loan — AZ Avg
6.168%
▼ 0.157 vs 7 days ago

Arizona used auto rates fell 0.157 points over the past 7 days to 6.168% APR.

As of May 12, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Frequently Asked Questions about Auto Loans in Mesa, 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 Mesa, 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 Mesa, 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 Mesa, Arizona?

Based on our current data, some of the lowest auto loan rates available in Mesa, Arizona include:
  • Mountain America Federal Credit Union: 4.99% (New & used car loans)
  • America First Federal Credit Union: 4.99% (Auto Loan)
  • Banner Federal Credit Union: 5.24% (2022 - New Auto Loan)
  • Vantage West Credit Union: 5.55% (Auto Loan)
  • UNIFY Financial Federal Credit Union: 5.74% (New & Used Vehicles2)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Mesa, Arizona. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: May 12, 2026

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