Auto Loan Rates in Phoenix, Arizona (AZ) for June 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 4.24%, Interfaith Federal Credit UnionInterfaith Federal Credit Union1550 E Meadowbrook Ave Ste B, Phoenix, AZ, 85014 4040A+5.0 ★Texas Ratio: 1.57% offering New Autos at 4.59%, 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 5.24%. Auto loan rates as of June 23, 2026 according to verified data from MonitorBankRates.
Phoenix has 9 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: June 23, 2026
Compare Auto Loan Rates Today in Phoenix, Arizona & Surrounding Area
Phoenix Auto Loan Rates
As low as
As low as
As low as
Rates apply to 2019 or newer models if conditions are met. Rates are stated "As low as". Rates and terms are based on creditworthiness and subject to change. Additional conditions may apply. See credit union for details.
Rates apply to 2019 or newer models if conditions are met. Rates are stated "As low as". 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; No Payment for 90 Days!
As Low As; *
Rates apply to 2019 or newer models if conditions are met. Rates are stated "As low as". 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; 2022 - New
As Low As; 2022 - New
New Vehicle Loans as low as:
As Low As; offering flexible terms up to 48 months to help you hit the road with affordable monthly payments.
Rates apply to 2019 or newer models if conditions are met. Rates are stated "As low as". Rates and terms are based on creditworthiness and subject to change. Additional conditions may apply. See credit union for details.
As Low As; Actual rate will be determined by your Experian FICO 2 Credit Score.
Used Vehicle Loans as low as
Rates apply to 2019 or newer models if conditions are met. Rates are stated "As low as". Rates and terms are based on creditworthiness and subject to change. Additional conditions may apply. See credit union for details.
As Low As; Actual rate will be determined by your Experian FICO 2 Credit Score.
Rates effective as of June 1, 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; 2022 - New
Rates effective as of June 1, 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; Actual rate will be determined by your Experian FICO 2 Credit Score.
As Low As; Actual rate will be determined by your Experian FICO 2 Credit Score.
As Low As; *
As Low As; Actual rate will be determined by your Experian FICO 2 Credit Score.
2017-2021
As Low As; Rates apply to 2015 or newer models if conditions are met. Additional conditions may apply. See credit union for details.
As Low As; Actual rate will be determined by your Experian FICO 2 Credit Score.
2017-2021
2017-2021
As Low As; Up to 120% Financing on Approved Credit
As Low As; Up to 120% Financing on Approved Credit
As Low As; Rates as low as 4.49% APR*
As Low As; Rates as low as 4.74% APR*
New Auto*
As Low As; Fixed. The maximum APR for consumer loans is 18%. Rates and terms are accurate as of Thursday, April 02, 2026. Your rate may be higher depending on credit history and underwriting criteria.
As Low As; Up to 120% Financing on Approved Credit
New Auto*
As Low As; Your rate and/or term may vary depending on vehicle age, credit history, and underwriting criteria. Rates updated daily.
As Low As; Min $20,000.00
As Low As; Fixed. The maximum APR for consumer loans is 18%. Rates and terms are accurate as of Thursday, April 02, 2026. Your rate may be higher depending on credit history and underwriting criteria.
As Low As; Fixed. The maximum APR for consumer loans is 18%. Rates and terms are accurate as of Thursday, April 02, 2026. Your rate may be higher depending on credit history and underwriting criteria.
As Low As; Your rate and/or term may vary depending on vehicle age, credit history, and underwriting criteria. Rates updated daily.
As Low As
New Auto* ($15,000 Minimum)
($15,000 Minimum)
As Low As; NEW & USED VEHICLES 12 yrs or newer-term depends on mileage & value.
As Low As; Up to 120% Financing on Approved Credit
As Low As; Fixed Rates
As Low As; Min $15,000.00
As Low As; NEW & USED VEHICLES 12 yrs or newer-term depends on mileage & value.
As Low As; Fixed Rates
As Low As
As Low As; Your rate and/or term may vary depending on vehicle age, credit history, and underwriting criteria. Rates updated daily.
As Low As
New Auto* ($20,000 Minimum)
($20,000 Minimum)
As Low As; NEW & USED VEHICLES 12 yrs or newer-term depends on mileage & value.
As Low As; Fixed. The maximum APR for consumer loans is 18%. Rates and terms are accurate as of Thursday, April 02, 2026. Your rate may be higher depending on credit history and underwriting criteria.
As Low As; Fixed Rates
As Low As
As Low As
$30,000; As Low As; Fixed. The maximum APR for consumer loans is 18%. Rates and terms are accurate as of Thursday, April 02, 2026. Your rate may be higher depending on credit history and underwriting criteria.
As Low As; **
Phoenix New Auto Auto Loan Rates
As low as
As low as
Rates apply to 2019 or newer models if conditions are met. Rates are stated "As low as". Rates and terms are based on creditworthiness and subject to change. Additional conditions may apply. See credit union for details.
Rates apply to 2019 or newer models if conditions are met. Rates are stated "As low as". Rates and terms are based on creditworthiness and subject to change. Additional conditions may apply. See credit union for details.
As Low As; No Payment for 90 Days!
As Low As; *
Rates apply to 2019 or newer models if conditions are met. Rates are stated "As low as". 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 Vehicle Loans as low as:
Rates apply to 2019 or newer models if conditions are met. Rates are stated "As low as". Rates and terms are based on creditworthiness and subject to change. Additional conditions may apply. See credit union for details.
As Low As; Actual rate will be determined by your Experian FICO 2 Credit Score.
Rates apply to 2019 or newer models if conditions are met. Rates are stated "As low as". Rates and terms are based on creditworthiness and subject to change. Additional conditions may apply. See credit union for details.
Rates effective as of June 1, 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 1, 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; Actual rate will be determined by your Experian FICO 2 Credit Score.
As Low As; Actual rate will be determined by your Experian FICO 2 Credit Score.
As Low As; Up to 120% Financing on Approved Credit
As Low As; Up to 120% Financing on Approved Credit
As Low As; Rates as low as 4.49% APR*
As Low As; Rates as low as 4.74% APR*
New Auto*
As Low As; Up to 120% Financing on Approved Credit
New Auto*
As Low As; Min $20,000.00
As Low As
New Auto* ($15,000 Minimum)
As Low As; NEW & USED VEHICLES 12 yrs or newer-term depends on mileage & value.
As Low As; Up to 120% Financing on Approved Credit
As Low As; Fixed Rates
As Low As; NEW & USED VEHICLES 12 yrs or newer-term depends on mileage & value.
As Low As; Fixed Rates
New Auto* ($20,000 Minimum)
As Low As; NEW & USED VEHICLES 12 yrs or newer-term depends on mileage & value.
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 are stated "As low as". Rates and terms are based on creditworthiness and subject to change. Additional conditions may apply. See credit union for details.
Rates apply to 2019 or newer models if conditions are met. Rates are stated "As low as". 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 are stated "As low as". 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 are stated "As low as". 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 apply to 2019 or newer models if conditions are met. Rates are stated "As low as". Rates and terms are based on creditworthiness and subject to change. Additional conditions may apply. See credit union for details.
As Low As; Actual rate will be determined by your Experian FICO 2 Credit Score.
Rates effective as of June 1, 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 1, 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; Actual rate will be determined by your Experian FICO 2 Credit Score.
As Low As; *
As Low As; Actual rate will be determined by your Experian FICO 2 Credit Score.
As Low As; Up to 120% Financing on Approved Credit
As Low As; Up to 120% Financing on Approved Credit
As Low As; Rates as low as 4.49% APR*
As Low As; Rates as low as 4.74% APR*
As Low As; Up to 120% Financing on Approved Credit
($15,000 Minimum)
As Low As; NEW & USED VEHICLES 12 yrs or newer-term depends on mileage & value.
As Low As; Up to 120% Financing on Approved Credit
As Low As; Min $15,000.00
As Low As; NEW & USED VEHICLES 12 yrs or newer-term depends on mileage & value.
As Low As
As Low As
($20,000 Minimum)
As Low As; NEW & USED VEHICLES 12 yrs or newer-term depends on mileage & value.
As Low As
As Low As
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 0.024 points over the past 7 days to 5.656% APR.
Arizona used auto rates rose 0.013 points over the past 7 days to 6.095% 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: 4.24% (New and Used Auto Loan)
- Interfaith Federal Credit Union: 4.59% (New Autos)
- Mountain America Federal Credit Union: 4.99% (New & used car loans)
- Banner Federal Credit Union: 5.24% (Auto Loan)
