Auto Loan Rates in Phoenix, Arizona (AZ) for March 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
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- Location-Based Rate Tables
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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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Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of local and national lenders actively lending to borrowers in Phoenix, Arizona. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
Current auto loan rates in Phoenix, Arizona include Florida West Coast Credit UnionFlorida West Coast Credit Union4801 E THISTLE LANDING DR, PHOENIX, AZ, 85044A+5.0 ★Texas Ratio: 1.98% offering New Automobile (2025 & newer) at 4.60%, Credit Union West Credit UnionCredit Union West Credit Union2303 N 44th St Ste 1, Phoenix, AZ, 85008 2442A+5.0 ★Texas Ratio: 3.00% offering Auto Loans at 4.99%, Farmers Insurance Federal Credit UnionFarmers Insurance Federal Credit Union24000 N Farmers Way, Phoenix, AZ, 85085A-5.0 ★Texas Ratio: 15.43% offering Auto Loans (New and used vehicles) at 4.99%, BOK FinancialBOK Financial3001 East Cambelback Road, Phoenix, AZ, 85016A+5.0 ★Texas Ratio: 3.85% offering New Auto Loan at 5.29%, Interfaith Federal Credit UnionInterfaith Federal Credit Union1550 E Meadowbrook Ave Ste B, Phoenix, AZ, 85014 4040A+5.0 ★Texas Ratio: 1.60% offering New Autos, SUVs, Trucks, Vans at 5.49%.
Auto loan rates in Phoenix, Arizona are continually updated to reflect market conditions. We recommend comparing rates from multiple lenders before visiting the dealership.
We empower borrowers with transparent financial health metrics—including A-F Safety Grades, verified Star Ratings, and Texas Ratios—so you can confidently choose a stable, highly-rated institution.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in Phoenix, Arizona. Auto Loan Rates Last Updated and Verified: March 21, 2026
Compare Auto Loan Rates Today in Phoenix, Arizona & Surrounding Area
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Florida West Coast Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.98%
4801 E THISTLE LANDING DR, PHOENIX, AZ, 85044
New Automobile (2025 & newer)
4.60%
84 Months
▼
APR4.60%
Term84 Months
Last UpdatedMar 20, 2026
Details
As Low As
Credit Union West Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
2303 N 44th St Ste 1, Phoenix, AZ, 85008 2442
Auto Loans
4.99%
Up to 96 Months
▼
APR4.99%
TermUp to 96 Months
Last UpdatedMar 18, 2026
Details
Farmers Insurance Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.43%
24000 N Farmers Way, Phoenix, AZ, 85085
Auto Loans (New and used vehicles)
4.99%
36 months
▼
APR4.99%
Term36 months
Last UpdatedMar 18, 2026
Details
Direct Deposit APR
Florida West Coast Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.98%
4801 E THISTLE LANDING DR, PHOENIX, AZ, 85044
Used Automobile (2017 & newer)
5.10%
72 Months
▼
APR5.10%
Term72 Months
Last UpdatedMar 20, 2026
Details
As Low As
Farmers Insurance Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.43%
24000 N Farmers Way, Phoenix, AZ, 85085
Auto Loans (New and used vehicles)
5.24%
48 months
▼
APR5.24%
Term48 months
Last UpdatedMar 18, 2026
Details
Direct Deposit APR
BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 3.85%
3001 East Cambelback Road, Phoenix, AZ, 85016
New Auto Loan
5.29%
36 Months
▼
APR5.29%
Term36 Months
Last UpdatedMar 18, 2026
Details
As Low As
BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 3.85%
3001 East Cambelback Road, Phoenix, AZ, 85016
Used Auto Loan
5.29%
36 Months
▼
APR5.29%
Term36 Months
Last UpdatedMar 18, 2026
Details
BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 3.85%
3001 East Cambelback Road, Phoenix, AZ, 85016
New Auto Loan
5.39%
48 Months
▼
APR5.39%
Term48 Months
Last UpdatedMar 18, 2026
Details
As Low As
BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 3.85%
3001 East Cambelback Road, Phoenix, AZ, 85016
Used Auto Loan
5.39%
48 Months
▼
APR5.39%
Term48 Months
Last UpdatedMar 18, 2026
Details
BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 3.85%
3001 East Cambelback Road, Phoenix, AZ, 85016
New Auto Loan
5.44%
60 Months
▼
APR5.44%
Term60 Months
Last UpdatedMar 18, 2026
Details
As Low As
BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 3.85%
3001 East Cambelback Road, Phoenix, AZ, 85016
Used Auto Loan
5.44%
60 Months
▼
APR5.44%
Term60 Months
Last UpdatedMar 18, 2026
Details
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
1550 E Meadowbrook Ave Ste B, Phoenix, AZ, 85014 4040
New Autos, SUVs, Trucks, Vans
5.49%
3-7 year term
▼
APR5.49%
Term3-7 year term
Last UpdatedMar 17, 2026
Details
As Low As
Banner Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.93%
9321 W Thomas Rd, Phoenix, AZ, 85037 3389
2021 - New Auto Loan
5.49%
0-60
▼
APR5.49%
Term0-60
Last UpdatedMar 18, 2026
Details
As Low As
Banner Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.93%
9321 W Thomas Rd, Phoenix, AZ, 85037 3389
New Auto Loan
5.49%
0-60
▼
APR5.49%
Term0-60
Last UpdatedMar 18, 2026
Details
As Low As
BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 3.85%
3001 East Cambelback Road, Phoenix, AZ, 85016
New Auto Loan
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedMar 18, 2026
Details
As Low As
BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 3.85%
3001 East Cambelback Road, Phoenix, AZ, 85016
Used Auto Loan
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedMar 18, 2026
Details
Farmers Insurance Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.43%
24000 N Farmers Way, Phoenix, AZ, 85085
Auto Loans (New and used vehicles)
5.49%
60 months
▼
APR5.49%
Term60 months
Last UpdatedMar 18, 2026
Details
Direct Deposit APR
Sharefax Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.21%
615 N 48th St, Phoenix, AZ, 85008 6608
MODEL YEAR 2023 & NEWER Vehicle Loan
5.49%
63 Months
▼
APR5.49%
Term63 Months
Last UpdatedMar 21, 2026
Details
As Low As; Up to 63 Months
Alhambra Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.81%
7339 N 35th Ave, Phoenix, AZ, 85051
New Vehicle
5.50%
60 Months
▼
APR5.50%
Term60 Months
Last UpdatedMar 17, 2026
Details
As Low As
Vantage West Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.58%
10440 N 32nd St, Phoenix, AZ, 85028
Auto Loan
5.55%
48 Months
▼
APR5.55%
Term48 Months
Last UpdatedMar 17, 2026
Details
Banner Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.93%
9321 W Thomas Rd, Phoenix, AZ, 85037 3389
2021 - New Auto Loan
5.74%
61-72
▼
APR5.74%
Term61-72
Last UpdatedMar 18, 2026
Details
As Low As
Banner Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.93%
9321 W Thomas Rd, Phoenix, AZ, 85037 3389
New Auto Loan
5.74%
61-72
▼
APR5.74%
Term61-72
Last UpdatedMar 18, 2026
Details
As Low As
Farmers Insurance Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.43%
24000 N Farmers Way, Phoenix, AZ, 85085
Auto Loans (New and used vehicles)
5.74%
72 months
▼
APR5.74%
Term72 months
Last UpdatedMar 18, 2026
Details
Direct Deposit APR
Vantage West Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.58%
10440 N 32nd St, Phoenix, AZ, 85028
Auto Loan
5.80%
60 Months
▼
APR5.80%
Term60 Months
Last UpdatedMar 17, 2026
Details
Alhambra Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.81%
7339 N 35th Ave, Phoenix, AZ, 85051
Used Vehicle
5.99%
60 Months
▼
APR5.99%
Term60 Months
Last UpdatedMar 17, 2026
Details
As Low As
Farmers Insurance Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.43%
24000 N Farmers Way, Phoenix, AZ, 85085
Auto Loans (New and used vehicles)
5.99%
36 months
▼
APR5.99%
Term36 months
Last UpdatedMar 18, 2026
Details
Standard APR
Sharefax Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.21%
615 N 48th St, Phoenix, AZ, 85008 6608
MODEL YEAR 2023 & NEWER Vehicle Loan
5.99%
75 Months
▼
APR5.99%
Term75 Months
Last UpdatedMar 21, 2026
Details
As Low As; Up to 75 Months
Alhambra Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.81%
7339 N 35th Ave, Phoenix, AZ, 85051
New Vehicle
6.00%
72 Months
▼
APR6.00%
Term72 Months
Last UpdatedMar 17, 2026
Details
As Low As
Marisol Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
1515 W Roosevelt St, Phoenix, AZ, 85007 2034
Auto Loan
6.00%
up to 48
▼
APR6.00%
Termup to 48
Last UpdatedMar 20, 2026
Details
Credit Score 725+
Sharefax Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.21%
615 N 48th St, Phoenix, AZ, 85008 6608
MODEL YEAR 2020-2022 Vehicle Loan
6.14%
63 Months
▼
APR6.14%
Term63 Months
Last UpdatedMar 21, 2026
Details
As Low As; Up to 63 Months
Vantage West Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.58%
10440 N 32nd St, Phoenix, AZ, 85028
Auto Loan
6.15%
72 Months
▼
APR6.15%
Term72 Months
Last UpdatedMar 17, 2026
Details
Farmers Insurance Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.43%
24000 N Farmers Way, Phoenix, AZ, 85085
Auto Loans (New and used vehicles)
6.24%
48 months
▼
APR6.24%
Term48 months
Last UpdatedMar 18, 2026
Details
Standard APR
Marisol Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
1515 W Roosevelt St, Phoenix, AZ, 85007 2034
Auto Loan
6.25%
49 - 64
▼
APR6.25%
Term49 - 64
Last UpdatedMar 20, 2026
Details
Credit Score 725+
Sharefax Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.21%
615 N 48th St, Phoenix, AZ, 85008 6608
MODEL YEAR 2019 and Older Vehicle Loan
6.44%
63 Months
▼
APR6.44%
Term63 Months
Last UpdatedMar 21, 2026
Details
As Low As; Up to 63 Months
Vantage West Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.58%
10440 N 32nd St, Phoenix, AZ, 85028
Auto Loan
6.45%
84 Months
▼
APR6.45%
Term84 Months
Last UpdatedMar 17, 2026
Details
Banner Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.93%
9321 W Thomas Rd, Phoenix, AZ, 85037 3389
2021 - New Auto Loan
6.49%
73-84
▼
APR6.49%
Term73-84
Last UpdatedMar 18, 2026
Details
As Low As
Banner Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.93%
9321 W Thomas Rd, Phoenix, AZ, 85037 3389
New Auto Loan
6.49%
73-84
▼
APR6.49%
Term73-84
Last UpdatedMar 18, 2026
Details
As Low As
Banner Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.93%
9321 W Thomas Rd, Phoenix, AZ, 85037 3389
Used Auto Loan
6.49%
73-84
▼
APR6.49%
Term73-84
Last UpdatedMar 18, 2026
Details
As Low As; 2021 - New
Farmers Insurance Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.43%
24000 N Farmers Way, Phoenix, AZ, 85085
Auto Loans (New and used vehicles)
6.49%
60 months
▼
APR6.49%
Term60 months
Last UpdatedMar 18, 2026
Details
Standard APR
Alhambra Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.81%
7339 N 35th Ave, Phoenix, AZ, 85051
New Vehicle
6.50%
84 Months
▼
APR6.50%
Term84 Months
Last UpdatedMar 17, 2026
Details
As Low As
Alhambra Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.81%
7339 N 35th Ave, Phoenix, AZ, 85051
Used Vehicle
6.50%
72 Months
▼
APR6.50%
Term72 Months
Last UpdatedMar 17, 2026
Details
As Low As
Banner Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.93%
9321 W Thomas Rd, Phoenix, AZ, 85037 3389
Car Loan
6.50%
24 Months
▼
APR6.50%
Term24 Months
Last UpdatedMar 18, 2026
Details
As Low As
Sharefax Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.21%
615 N 48th St, Phoenix, AZ, 85008 6608
MODEL YEAR 2020-2022 Vehicle Loan
6.54%
75 Months
▼
APR6.54%
Term75 Months
Last UpdatedMar 21, 2026
Details
As Low As; Up to 75 Months
Farmers Insurance Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.43%
24000 N Farmers Way, Phoenix, AZ, 85085
Auto Loans (New and used vehicles)
6.74%
72 months
▼
APR6.74%
Term72 months
Last UpdatedMar 18, 2026
Details
Standard APR
Banner Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.93%
9321 W Thomas Rd, Phoenix, AZ, 85037 3389
Auto Loan
6.75%
24 Months
▼
APR6.75%
Term24 Months
Last UpdatedMar 18, 2026
Details
As Low As
Banner Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.93%
9321 W Thomas Rd, Phoenix, AZ, 85037 3389
Car Loan
6.75%
24 Months
▼
APR6.75%
Term24 Months
Last UpdatedMar 18, 2026
Details
As Low As
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
1550 E Meadowbrook Ave Ste B, Phoenix, AZ, 85014 4040
Used Autos, SUVs, Trucks, Vans
6.99%
3-7 year term
▼
APR6.99%
Term3-7 year term
Last UpdatedMar 17, 2026
Details
As Low As
Sharefax Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.21%
615 N 48th St, Phoenix, AZ, 85008 6608
MODEL YEAR 2016 - 2019 Vehicle Loan
6.99%
75 Months
▼
APR6.99%
Term75 Months
Last UpdatedMar 21, 2026
Details
As Low As; Up to 75 Months
Sharefax Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.21%
615 N 48th St, Phoenix, AZ, 85008 6608
MODEL YEAR 2023 & NEWER Vehicle Loan
6.99%
84 Months
▼
APR6.99%
Term84 Months
Last UpdatedMar 21, 2026
Details
As Low As; Up to 84 Months
Banner Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.93%
9321 W Thomas Rd, Phoenix, AZ, 85037 3389
Auto Loan
7.00%
36 Months
▼
APR7.00%
Term36 Months
Last UpdatedMar 18, 2026
Details
As Low As
Banner Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.93%
9321 W Thomas Rd, Phoenix, AZ, 85037 3389
Car Loan
7.00%
36 Months
▼
APR7.00%
Term36 Months
Last UpdatedMar 18, 2026
Details
As Low As
Banner Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.93%
9321 W Thomas Rd, Phoenix, AZ, 85037 3389
Auto Loan
7.25%
48 Months
▼
APR7.25%
Term48 Months
Last UpdatedMar 18, 2026
Details
As Low As
Banner Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.93%
9321 W Thomas Rd, Phoenix, AZ, 85037 3389
Car Loan
7.25%
48 Months
▼
APR7.25%
Term48 Months
Last UpdatedMar 18, 2026
Details
As Low As
Marisol Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
1515 W Roosevelt St, Phoenix, AZ, 85007 2034
Auto Loan
7.25%
65 - 84
▼
APR7.25%
Term65 - 84
Last UpdatedMar 20, 2026
Details
Credit Score 725+
Sierra Pacific Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.56%
1600 E Northern Ave, Phoenix, AZ, 85020 3933
Classic Cars
7.25%
48 Months
▼
APR7.25%
Term48 Months
Last UpdatedMar 21, 2026
Details
As Low As
Banner Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.93%
9321 W Thomas Rd, Phoenix, AZ, 85037 3389
2016-2020 Auto Loan
7.49%
0-60
▼
APR7.49%
Term0-60
Last UpdatedMar 18, 2026
Details
As Low As
Banner Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.93%
9321 W Thomas Rd, Phoenix, AZ, 85037 3389
Used Auto Loan
7.49%
0-60
▼
APR7.49%
Term0-60
Last UpdatedMar 18, 2026
Details
As Low As
Alhambra Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.81%
7339 N 35th Ave, Phoenix, AZ, 85051
Used Vehicle
7.50%
84 Months
▼
APR7.50%
Term84 Months
Last UpdatedMar 17, 2026
Details
As Low As
Banner Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.93%
9321 W Thomas Rd, Phoenix, AZ, 85037 3389
Auto Loan
7.50%
60 Months
▼
APR7.50%
Term60 Months
Last UpdatedMar 18, 2026
Details
As Low As
Banner Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.93%
9321 W Thomas Rd, Phoenix, AZ, 85037 3389
Car Loan
7.50%
60 Months
▼
APR7.50%
Term60 Months
Last UpdatedMar 18, 2026
Details
As Low As
Marisol Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
1515 W Roosevelt St, Phoenix, AZ, 85007 2034
Auto Loan
7.50%
up to 48
▼
APR7.50%
Termup to 48
Last UpdatedMar 20, 2026
Details
Credit Score 680-724
Banner Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.93%
9321 W Thomas Rd, Phoenix, AZ, 85037 3389
Auto Loan
7.75%
72 Months
▼
APR7.75%
Term72 Months
Last UpdatedMar 18, 2026
Details
As Low As
Banner Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.93%
9321 W Thomas Rd, Phoenix, AZ, 85037 3389
Car Loan
7.75%
72 Months
▼
APR7.75%
Term72 Months
Last UpdatedMar 18, 2026
Details
As Low As
Marisol Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
1515 W Roosevelt St, Phoenix, AZ, 85007 2034
Auto Loan
7.75%
49 - 64
▼
APR7.75%
Term49 - 64
Last UpdatedMar 20, 2026
Details
Credit Score 680-724
Sharefax Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.21%
615 N 48th St, Phoenix, AZ, 85008 6608
MODEL YEAR 2020-2022 Vehicle Loan
7.99%
84 Months
▼
APR7.99%
Term84 Months
Last UpdatedMar 21, 2026
Details
As Low As; Up to 84 Months
Banner Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.93%
9321 W Thomas Rd, Phoenix, AZ, 85037 3389
Auto Loan
8.00%
84 Months
▼
APR8.00%
Term84 Months
Last UpdatedMar 18, 2026
Details
As Low As
Banner Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.93%
9321 W Thomas Rd, Phoenix, AZ, 85037 3389
Car Loan
8.00%
84 Months
▼
APR8.00%
Term84 Months
Last UpdatedMar 18, 2026
Details
As Low As
Bankers Trust Company
Institution Rating:
A+5.0 ★ Texas Ratio: 2.53%
2525 E Camelback Rd, Phoenix, AZ, 85016
Auto Loans
8.01%
60 Months
▼
APR8.01%
Term60 Months
Last UpdatedMar 17, 2026
Details
financing for up to 90% of the purchase price with a maximum term of 60 months, based on the year of the vehicle.
Banner Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.93%
9321 W Thomas Rd, Phoenix, AZ, 85037 3389
2016-2020 Auto Loan
8.24%
61-72
▼
APR8.24%
Term61-72
Last UpdatedMar 18, 2026
Details
As Low As
Banner Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.93%
9321 W Thomas Rd, Phoenix, AZ, 85037 3389
Used Auto Loan
8.24%
61-72
▼
APR8.24%
Term61-72
Last UpdatedMar 18, 2026
Details
As Low As
Banner Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.93%
9321 W Thomas Rd, Phoenix, AZ, 85037 3389
Car Loan
8.25%
108 Months
▼
APR8.25%
Term108 Months
Last UpdatedMar 18, 2026
Details
As Low As
Marisol Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
1515 W Roosevelt St, Phoenix, AZ, 85007 2034
Auto Loan
8.25%
65 - 84
▼
APR8.25%
Term65 - 84
Last UpdatedMar 20, 2026
Details
Credit Score 680-724
Bankers Trust Company
Institution Rating:
A+5.0 ★ Texas Ratio: 2.53%
2525 E Camelback Rd, Phoenix, AZ, 85016
Auto Loans
8.26%
72 Months
▼
APR8.26%
Term72 Months
Last UpdatedMar 17, 2026
Details
financing for up to 90% of the purchase price with a maximum term of 72 months, based on the year of the vehicle.
Bankers Trust Company
Institution Rating:
A+5.0 ★ Texas Ratio: 2.53%
2525 E Camelback Rd, Phoenix, AZ, 85016
Auto Loans
8.26%
60 Months
▼
APR8.26%
Term60 Months
Last UpdatedMar 17, 2026
Details
financing for up to 100% of the purchase price with a maximum term of 60 months, based on the year of the vehicle.
Banner Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.93%
9321 W Thomas Rd, Phoenix, AZ, 85037 3389
Car Loan
8.50%
120 Months
▼
APR8.50%
Term120 Months
Last UpdatedMar 18, 2026
Details
As Low As
Bankers Trust Company
Institution Rating:
A+5.0 ★ Texas Ratio: 2.53%
2525 E Camelback Rd, Phoenix, AZ, 85016
Auto Loans
8.51%
72 Months
▼
APR8.51%
Term72 Months
Last UpdatedMar 17, 2026
Details
financing for up to 100% of the purchase price with a maximum term of 72 months, based on the year of the vehicle.
Bankers Trust Company
Institution Rating:
A+5.0 ★ Texas Ratio: 2.53%
2525 E Camelback Rd, Phoenix, AZ, 85016
Auto Loans
8.76%
60 Months
▼
APR8.76%
Term60 Months
Last UpdatedMar 17, 2026
Details
financing for up to 100% of the purchase price with a maximum term of 60 months, based on the year of the vehicle.
Banner Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.93%
9321 W Thomas Rd, Phoenix, AZ, 85037 3389
2016-2020 Auto Loan
8.99%
73-84
▼
APR8.99%
Term73-84
Last UpdatedMar 18, 2026
Details
As Low As
Banner Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.93%
9321 W Thomas Rd, Phoenix, AZ, 85037 3389
Used Auto Loan
8.99%
73-84
▼
APR8.99%
Term73-84
Last UpdatedMar 18, 2026
Details
As Low As; 2016-2020
Marisol Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
1515 W Roosevelt St, Phoenix, AZ, 85007 2034
Auto Loan
9.00%
up to 48
▼
APR9.00%
Termup to 48
Last UpdatedMar 20, 2026
Details
Credit Score 640-679
Marisol Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
1515 W Roosevelt St, Phoenix, AZ, 85007 2034
Auto Loan
9.25%
49 - 64
▼
APR9.25%
Term49 - 64
Last UpdatedMar 20, 2026
Details
Credit Score 640-679
Marisol Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
1515 W Roosevelt St, Phoenix, AZ, 85007 2034
Auto Loan
9.75%
65 - 84
▼
APR9.75%
Term65 - 84
Last UpdatedMar 20, 2026
Details
Credit Score 640-679
Marisol Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
1515 W Roosevelt St, Phoenix, AZ, 85007 2034
Auto Loan
11.00%
up to 48
▼
APR11.00%
Termup to 48
Last UpdatedMar 20, 2026
Details
Credit Score 600-639
Marisol Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
1515 W Roosevelt St, Phoenix, AZ, 85007 2034
Auto Loan
11.25%
49 - 64
▼
APR11.25%
Term49 - 64
Last UpdatedMar 20, 2026
Details
Credit Score 600-639
Marisol Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
1515 W Roosevelt St, Phoenix, AZ, 85007 2034
Auto Loan
11.75%
65 - 84
▼
APR11.75%
Term65 - 84
Last UpdatedMar 20, 2026
Details
Credit Score 600-639
Marisol Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
1515 W Roosevelt St, Phoenix, AZ, 85007 2034
Auto Loan
12.00%
up to 48
▼
APR12.00%
Termup to 48
Last UpdatedMar 20, 2026
Details
Credit Score 560-599
Marisol Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
1515 W Roosevelt St, Phoenix, AZ, 85007 2034
Auto Loan
12.50%
49 - 64
▼
APR12.50%
Term49 - 64
Last UpdatedMar 20, 2026
Details
Credit Score 560-599
Marisol Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
1515 W Roosevelt St, Phoenix, AZ, 85007 2034
Auto Loan
12.75%
65 - 84
▼
APR12.75%
Term65 - 84
Last UpdatedMar 20, 2026
Details
Credit Score 560-599
Marisol Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
1515 W Roosevelt St, Phoenix, AZ, 85007 2034
Auto Loan
13.00%
up to 48
▼
APR13.00%
Termup to 48
Last UpdatedMar 20, 2026
Details
Credit Score 559 & Under
Marisol Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
1515 W Roosevelt St, Phoenix, AZ, 85007 2034
Auto Loan
13.25%
49 - 64
▼
APR13.25%
Term49 - 64
Last UpdatedMar 20, 2026
Details
Credit Score 559 & Under
Marisol Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.38%
1515 W Roosevelt St, Phoenix, AZ, 85007 2034
Auto Loan
13.75%
65 - 84
▼
APR13.75%
Term65 - 84
Last UpdatedMar 20, 2026
Details
Credit Score 559 & Under
Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
4747 S Highway 95, Fort Mohave, AZ, 86426 9377
New & Used Autos
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMar 17, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
2151 E Broadway Rd, Tempe, AZ, 85282 1893
New & Used Autos
4.49%
24 Months
▼
APR4.49%
Term24 Months
Last UpdatedMar 18, 2026
Details
As Low As
Credit Union of Southern California Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
1871 Kiowa Ave, Lake Havasu City, AZ, 86403
New Auto
4.74%
Up to 60 months
▼
APR4.74%
TermUp to 60 months
Last UpdatedMar 18, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
2151 E Broadway Rd, Tempe, AZ, 85282 1893
New & Used Autos
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedMar 18, 2026
Details
As Low As
Greenwich Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.08%
240 N Roosevelt Ave, Chandler, AZ, 85226
New Cars
4.90%
36 Months
▼
APR4.90%
Term36 Months
Last UpdatedMar 20, 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
4.99%
5 Years
▼
APR4.99%
Term5 Years
Last UpdatedMar 17, 2026
Details
As Low As; Fixed
Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
4747 S Highway 95, Fort Mohave, AZ, 86426 9377
New & Used Autos
4.99%
48 to 60 Months
▼
APR4.99%
Term48 to 60 Months
Last UpdatedMar 17, 2026
Details
Credit Union of Southern California Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
1871 Kiowa Ave, Lake Havasu City, AZ, 86403
New Auto
4.99%
Up to 72 months
▼
APR4.99%
TermUp to 72 months
Last UpdatedMar 18, 2026
Details
Credit Union of Southern California Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
1871 Kiowa Ave, Lake Havasu City, AZ, 86403
Pre-owned Auto
4.99%
Up to 60 months
▼
APR4.99%
TermUp to 60 months
Last UpdatedMar 18, 2026
Details
Cochise Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.03%
580 N Haskell Ave, Willcox, AZ, 85643
New and Used Vehicles
5.00%
84 Months
▼
APR5.00%
Term84 Months
Last UpdatedMar 18, 2026
Details
As Low As
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.70%
5000 E McDowell Rd, Mesa, AZ, 85215 9707
New Cars
5.14%
84 Months
▼
APR5.14%
Term84 Months
Last UpdatedMar 17, 2026
Details
2025-2026 models with less
than 7,500 miles.
Prescott Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
500 N State Route 89, Prescott, AZ, 86313 5001
New Auto loans
5.19%
84 Months
▼
APR5.19%
Term84 Months
Last UpdatedMar 17, 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
▼
APR5.24%
Term6 Years
Last UpdatedMar 17, 2026
Details
As Low As; Fixed
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
▼
APR5.24%
Term5 Years
Last UpdatedMar 17, 2026
Details
As Low As; Fixed
Credit Union of Southern California Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
1871 Kiowa Ave, Lake Havasu City, AZ, 86403
Pre-owned Auto
5.24%
Up to 72 months
▼
APR5.24%
TermUp to 72 months
Last UpdatedMar 18, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
2151 E Broadway Rd, Tempe, AZ, 85282 1893
New & Used Autos
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedMar 18, 2026
Details
As Low As
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.70%
5000 E McDowell Rd, Mesa, AZ, 85215 9707
Used Cars
5.34%
84 Months
▼
APR5.34%
Term84 Months
Last UpdatedMar 17, 2026
Details
2017-2025 models.
Credit Union of Southern California Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
1871 Kiowa Ave, Lake Havasu City, AZ, 86403
New Auto
5.39%
Up to 84 months
▼
APR5.39%
TermUp to 84 months
Last UpdatedMar 18, 2026
Details
Prescott Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
500 N State Route 89, Prescott, AZ, 86313 5001
New Auto loans
5.44%
84 Months
▼
APR5.44%
Term84 Months
Last UpdatedMar 17, 2026
Details
As Low As
Idaho Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
9725 E Broadway Blvd, Tucson, AZ, 85748
Auto Loan
5.44%
48 Months
▼
APR5.44%
Term48 Months
Last UpdatedMar 20, 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.
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
111 W Rio Salado Pkwy, Tempe, AZ, 85281
New & Used Vehicles
5.49%
Up to 2 years
▼
APR5.49%
TermUp to 2 years
Last UpdatedMar 15, 2026
Details
Prescott Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
500 N State Route 89, Prescott, AZ, 86313 5001
Used Auto loans
5.49%
84 Months
▼
APR5.49%
Term84 Months
Last UpdatedMar 17, 2026
Details
As Low As
Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
4747 S Highway 95, Fort Mohave, AZ, 86426 9377
New & Used Autos
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedMar 17, 2026
Details
Landings Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.77%
2800 S Mill Ave, Tempe, AZ, 85282
New Vehicles 2025 & Newer
5.49%
48 months
▼
APR5.49%
Term48 months
Last UpdatedMar 20, 2026
Details
As Low As
Rim Country Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.46%
216 S Main St, Snowflake, AZ, 85937
NEW & USED VEHICLES 12 yrs or newer
5.49%
48 Months
▼
APR5.49%
Term48 Months
Last UpdatedMar 21, 2026
Details
As Low As
Credit Union of Southern California Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
1871 Kiowa Ave, Lake Havasu City, AZ, 86403
Pre-owned Auto
5.64%
Up to 84 months
▼
APR5.64%
TermUp to 84 months
Last UpdatedMar 18, 2026
Details
Idaho Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
9725 E Broadway Blvd, Tucson, AZ, 85748
Auto Loan
5.69%
60 Months
▼
APR5.69%
Term60 Months
Last UpdatedMar 20, 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.
Prescott Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
500 N State Route 89, Prescott, AZ, 86313 5001
Used Auto Loans
5.74%
84 Months
▼
APR5.74%
Term84 Months
Last UpdatedMar 17, 2026
Details
As Low As
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
2151 E Broadway Rd, Tempe, AZ, 85282 1893
New & Used Autos
5.74%
84 Months
▼
APR5.74%
Term84 Months
Last UpdatedMar 18, 2026
Details
As Low As
Landings Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.77%
2800 S Mill Ave, Tempe, AZ, 85282
New Vehicles 2025 & Newer
5.74%
60 months
▼
APR5.74%
Term60 months
Last UpdatedMar 20, 2026
Details
As Low As
Rim Country Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.46%
216 S Main St, Snowflake, AZ, 85937
NEW & USED VEHICLES 12 yrs or newer
5.74%
60 Months
▼
APR5.74%
Term60 Months
Last UpdatedMar 21, 2026
Details
As Low As
Greenwich Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.08%
240 N Roosevelt Ave, Chandler, AZ, 85226
New Cars
5.90%
72 Months
▼
APR5.90%
Term72 Months
Last UpdatedMar 20, 2026
Details
Greenwich Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.08%
240 N Roosevelt Ave, Chandler, AZ, 85226
Used Cars
5.90%
36 Months
▼
APR5.90%
Term36 Months
Last UpdatedMar 20, 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
▼
APR5.99%
Term7 Years
Last UpdatedMar 17, 2026
Details
As Low As; Fixed
Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
4747 S Highway 95, Fort Mohave, AZ, 86426 9377
New & Used Autos
5.99%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedMar 17, 2026
Details
Idaho Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.09%
9725 E Broadway Blvd, Tucson, AZ, 85748
Auto Loan
5.99%
72 Months
▼
APR5.99%
Term72 Months
Last UpdatedMar 20, 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.
Landings Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.77%
2800 S Mill Ave, Tempe, AZ, 85282
New Vehicles 2025 & Newer
5.99%
72 months
▼
APR5.99%
Term72 months
Last UpdatedMar 20, 2026
Details
As Low As
Pyramid Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.00%
4491 N Oracle Rd, Tucson, AZ, 85705
New & Used Vehicle Loan
5.99%
36 Months
▼
APR5.99%
Term36 Months
Last UpdatedMar 21, 2026
Details
As Low As
Rim Country Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.46%
216 S Main St, Snowflake, AZ, 85937
NEW & USED VEHICLES 12 yrs or newer
5.99%
72 Months
▼
APR5.99%
Term72 Months
Last UpdatedMar 21, 2026
Details
As Low As
Greenwich Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.08%
240 N Roosevelt Ave, Chandler, AZ, 85226
New Cars
6.90%
84 Months
▼
APR6.90%
Term84 Months
Last UpdatedMar 20, 2026
Details
Greenwich Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.08%
240 N Roosevelt Ave, Chandler, AZ, 85226
Used Cars
6.90%
72 Months
▼
APR6.90%
Term72 Months
Last UpdatedMar 20, 2026
Details
Credit Union of Southern California Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
1871 Kiowa Ave, Lake Havasu City, AZ, 86403
Pre-owned
7.49%
84 Months
▼
APR7.49%
Term84 Months
Last UpdatedMar 18, 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 - (Minimum Loan Amount of Required)
7.74%
8 Years
▼
APR7.74%
Term8 Years
Last UpdatedMar 17, 2026
Details
$30,000; As Low As; Fixed
Greenwich Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.08%
240 N Roosevelt Ave, Chandler, AZ, 85226
Used Cars
7.90%
84 Months
▼
APR7.90%
Term84 Months
Last UpdatedMar 20, 2026
Details
First Internet Bank of Indiana
Institution Rating:
A+5.0 ★ Texas Ratio: 1.39%
51 W 3rd St, Tempe, AZ, 85281
Auto Loans
8.10%
60 Months
▼
APR8.10%
Term60 Months
Last UpdatedMar 20, 2026
Details
As Low As
Credit Union of Southern California Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
1871 Kiowa Ave, Lake Havasu City, AZ, 86403
Pre-owned
8.49%
180 Months
▼
APR8.49%
Term180 Months
Last UpdatedMar 18, 2026
Details
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
111 W Rio Salado Pkwy, Tempe, AZ, 85281
Classic Vehicle Loans
8.74%
Up to 4 years
▼
APR8.74%
TermUp to 4 years
Last UpdatedMar 15, 2026
Details
Hughes Federal Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 17.35%
971 W Wetmore Rd, Tucson, AZ, 85705 1551
Vehicle Loan Refinancing
9.95%
72 Months
▼
APR9.95%
Term72 Months
Last UpdatedMar 20, 2026
Details
Fixed Rate (Up to 72 Months)
Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
4747 S Highway 95, Fort Mohave, AZ, 86426 9377
Smart Start New & Used Auto
10.49%
Up to 60
▼
APR10.49%
TermUp to 60
Last UpdatedMar 17, 2026
Details
Dependent on amount financed
Hughes Federal Credit Union
Institution Rating:
B+4.8 ★ Texas Ratio: 17.35%
971 W Wetmore Rd, Tucson, AZ, 85705 1551
Vehicle Loan Refinancing
10.95%
84 Months
▼
APR10.95%
Term84 Months
Last UpdatedMar 20, 2026
Details
Fixed Rate (84 Months)
Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
4747 S Highway 95, Fort Mohave, AZ, 86426 9377
Smart Start New & Used Auto
10.99%
72 Months
▼
APR10.99%
Term72 Months
Last UpdatedMar 17, 2026
Details
Dependent on amount financed
Credit Union of Southern California Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
1871 Kiowa Ave, Lake Havasu City, AZ, 86403
New Auto
11.39%
Up to 84 months
▼
APR11.39%
TermUp to 84 months
Last UpdatedMar 18, 2026
Details
Credit Union of Southern California Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
1871 Kiowa Ave, Lake Havasu City, AZ, 86403
Pre-owned
11.49%
84 Months
▼
APR11.49%
Term84 Months
Last UpdatedMar 18, 2026
Details
Pyramid Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.00%
4491 N Oracle Rd, Tucson, AZ, 85705
Commercial Vehicle Loan
11.50%
96 Months
▼
APR11.50%
Term96 Months
Last UpdatedMar 21, 2026
Details
As Low As
Credit Union of Southern California Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
1871 Kiowa Ave, Lake Havasu City, AZ, 86403
Pre-owned Auto
11.64%
Up to 84 months
▼
APR11.64%
TermUp to 84 months
Last UpdatedMar 18, 2026
Details
Credit Union of Southern California Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
1871 Kiowa Ave, Lake Havasu City, AZ, 86403
Pre-owned
12.49%
180 Months
▼
APR12.49%
Term180 Months
Last UpdatedMar 18, 2026
Details
Credit Union of Southern California Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
1871 Kiowa Ave, Lake Havasu City, AZ, 86403
New Auto
13.74%
Up to 60 months
▼
APR13.74%
TermUp to 60 months
Last UpdatedMar 18, 2026
Details
Credit Union of Southern California Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
1871 Kiowa Ave, Lake Havasu City, AZ, 86403
New Auto
13.99%
Up to 72 months
▼
APR13.99%
TermUp to 72 months
Last UpdatedMar 18, 2026
Details
Credit Union of Southern California Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
1871 Kiowa Ave, Lake Havasu City, AZ, 86403
Pre-owned Auto
13.99%
Up to 60 months
▼
APR13.99%
TermUp to 60 months
Last UpdatedMar 18, 2026
Details
Credit Union of Southern California Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
1871 Kiowa Ave, Lake Havasu City, AZ, 86403
Pre-owned Auto
14.24%
Up to 72 months
▼
APR14.24%
TermUp to 72 months
Last UpdatedMar 18, 2026
Details
Cochise Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.03%
580 N Haskell Ave, Willcox, AZ, 85643
New and Used Vehicles
15.50%
84 Months
▼
APR15.50%
Term84 Months
Last UpdatedMar 18, 2026
Details
As Low As
Powered by
MonitorBankRates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Florida West Coast Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.98%
4801 E THISTLE LANDING DR, PHOENIX, AZ, 85044
New Automobile (2025 & newer)
4.60%
84 Months
▼
APR4.60%
Term84 Months
Last UpdatedMar 20, 2026
Details
As Low As
Farmers Insurance Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.43%
24000 N Farmers Way, Phoenix, AZ, 85085
Auto Loans (New and used vehicles)
4.99%
36 months
▼
APR4.99%
Term36 months
Last UpdatedMar 18, 2026
Details
Direct Deposit APR
Florida West Coast Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.98%
4801 E THISTLE LANDING DR, PHOENIX, AZ, 85044
Used Automobile (2017 & newer)
5.10%
72 Months
▼
APR5.10%
Term72 Months
Last UpdatedMar 20, 2026
Details
As Low As
Farmers Insurance Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.43%
24000 N Farmers Way, Phoenix, AZ, 85085
Auto Loans (New and used vehicles)
5.24%
48 months
▼
APR5.24%
Term48 months
Last UpdatedMar 18, 2026
Details
Direct Deposit APR
BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 3.85%
3001 East Cambelback Road, Phoenix, AZ, 85016
New Auto Loan
5.29%
36 Months
▼
APR5.29%
Term36 Months
Last UpdatedMar 18, 2026
Details
As Low As
BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 3.85%
3001 East Cambelback Road, Phoenix, AZ, 85016
New Auto Loan
5.39%
48 Months
▼
APR5.39%
Term48 Months
Last UpdatedMar 18, 2026
Details
As Low As
BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 3.85%
3001 East Cambelback Road, Phoenix, AZ, 85016
New Auto Loan
5.44%
60 Months
▼
APR5.44%
Term60 Months
Last UpdatedMar 18, 2026
Details
As Low As
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
1550 E Meadowbrook Ave Ste B, Phoenix, AZ, 85014 4040
New Autos, SUVs, Trucks, Vans
5.49%
3-7 year term
▼
APR5.49%
Term3-7 year term
Last UpdatedMar 17, 2026
Details
As Low As
Banner Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.93%
9321 W Thomas Rd, Phoenix, AZ, 85037 3389
2021 - New Auto Loan
5.49%
0-60
▼
APR5.49%
Term0-60
Last UpdatedMar 18, 2026
Details
As Low As
Banner Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.93%
9321 W Thomas Rd, Phoenix, AZ, 85037 3389
New Auto Loan
5.49%
0-60
▼
APR5.49%
Term0-60
Last UpdatedMar 18, 2026
Details
As Low As
BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 3.85%
3001 East Cambelback Road, Phoenix, AZ, 85016
New Auto Loan
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedMar 18, 2026
Details
As Low As
Farmers Insurance Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.43%
24000 N Farmers Way, Phoenix, AZ, 85085
Auto Loans (New and used vehicles)
5.49%
60 months
▼
APR5.49%
Term60 months
Last UpdatedMar 18, 2026
Details
Direct Deposit APR
Sharefax Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.21%
615 N 48th St, Phoenix, AZ, 85008 6608
MODEL YEAR 2023 & NEWER Vehicle Loan
5.49%
63 Months
▼
APR5.49%
Term63 Months
Last UpdatedMar 21, 2026
Details
As Low As; Up to 63 Months
Alhambra Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.81%
7339 N 35th Ave, Phoenix, AZ, 85051
New Vehicle
5.50%
60 Months
▼
APR5.50%
Term60 Months
Last UpdatedMar 17, 2026
Details
As Low As
Banner Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.93%
9321 W Thomas Rd, Phoenix, AZ, 85037 3389
2021 - New Auto Loan
5.74%
61-72
▼
APR5.74%
Term61-72
Last UpdatedMar 18, 2026
Details
As Low As
Banner Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.93%
9321 W Thomas Rd, Phoenix, AZ, 85037 3389
New Auto Loan
5.74%
61-72
▼
APR5.74%
Term61-72
Last UpdatedMar 18, 2026
Details
As Low As
Farmers Insurance Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.43%
24000 N Farmers Way, Phoenix, AZ, 85085
Auto Loans (New and used vehicles)
5.74%
72 months
▼
APR5.74%
Term72 months
Last UpdatedMar 18, 2026
Details
Direct Deposit APR
Farmers Insurance Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.43%
24000 N Farmers Way, Phoenix, AZ, 85085
Auto Loans (New and used vehicles)
5.99%
36 months
▼
APR5.99%
Term36 months
Last UpdatedMar 18, 2026
Details
Standard APR
Sharefax Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.21%
615 N 48th St, Phoenix, AZ, 85008 6608
MODEL YEAR 2023 & NEWER Vehicle Loan
5.99%
75 Months
▼
APR5.99%
Term75 Months
Last UpdatedMar 21, 2026
Details
As Low As; Up to 75 Months
Alhambra Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.81%
7339 N 35th Ave, Phoenix, AZ, 85051
New Vehicle
6.00%
72 Months
▼
APR6.00%
Term72 Months
Last UpdatedMar 17, 2026
Details
As Low As
Farmers Insurance Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.43%
24000 N Farmers Way, Phoenix, AZ, 85085
Auto Loans (New and used vehicles)
6.24%
48 months
▼
APR6.24%
Term48 months
Last UpdatedMar 18, 2026
Details
Standard APR
Banner Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.93%
9321 W Thomas Rd, Phoenix, AZ, 85037 3389
2021 - New Auto Loan
6.49%
73-84
▼
APR6.49%
Term73-84
Last UpdatedMar 18, 2026
Details
As Low As
Banner Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.93%
9321 W Thomas Rd, Phoenix, AZ, 85037 3389
New Auto Loan
6.49%
73-84
▼
APR6.49%
Term73-84
Last UpdatedMar 18, 2026
Details
As Low As
Farmers Insurance Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.43%
24000 N Farmers Way, Phoenix, AZ, 85085
Auto Loans (New and used vehicles)
6.49%
60 months
▼
APR6.49%
Term60 months
Last UpdatedMar 18, 2026
Details
Standard APR
Alhambra Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.81%
7339 N 35th Ave, Phoenix, AZ, 85051
New Vehicle
6.50%
84 Months
▼
APR6.50%
Term84 Months
Last UpdatedMar 17, 2026
Details
As Low As
Farmers Insurance Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.43%
24000 N Farmers Way, Phoenix, AZ, 85085
Auto Loans (New and used vehicles)
6.74%
72 months
▼
APR6.74%
Term72 months
Last UpdatedMar 18, 2026
Details
Standard APR
Sharefax Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.21%
615 N 48th St, Phoenix, AZ, 85008 6608
MODEL YEAR 2023 & NEWER Vehicle Loan
6.99%
84 Months
▼
APR6.99%
Term84 Months
Last UpdatedMar 21, 2026
Details
As Low As; Up to 84 Months
Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
4747 S Highway 95, Fort Mohave, AZ, 86426 9377
New & Used Autos
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMar 17, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
2151 E Broadway Rd, Tempe, AZ, 85282 1893
New & Used Autos
4.49%
24 Months
▼
APR4.49%
Term24 Months
Last UpdatedMar 18, 2026
Details
As Low As
Credit Union of Southern California Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
1871 Kiowa Ave, Lake Havasu City, AZ, 86403
New Auto
4.74%
Up to 60 months
▼
APR4.74%
TermUp to 60 months
Last UpdatedMar 18, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
2151 E Broadway Rd, Tempe, AZ, 85282 1893
New & Used Autos
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedMar 18, 2026
Details
As Low As
Greenwich Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.08%
240 N Roosevelt Ave, Chandler, AZ, 85226
New Cars
4.90%
36 Months
▼
APR4.90%
Term36 Months
Last UpdatedMar 20, 2026
Details
Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
4747 S Highway 95, Fort Mohave, AZ, 86426 9377
New & Used Autos
4.99%
48 to 60 Months
▼
APR4.99%
Term48 to 60 Months
Last UpdatedMar 17, 2026
Details
Credit Union of Southern California Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
1871 Kiowa Ave, Lake Havasu City, AZ, 86403
New Auto
4.99%
Up to 72 months
▼
APR4.99%
TermUp to 72 months
Last UpdatedMar 18, 2026
Details
Cochise Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.03%
580 N Haskell Ave, Willcox, AZ, 85643
New and Used Vehicles
5.00%
84 Months
▼
APR5.00%
Term84 Months
Last UpdatedMar 18, 2026
Details
As Low As
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.70%
5000 E McDowell Rd, Mesa, AZ, 85215 9707
New Cars
5.14%
84 Months
▼
APR5.14%
Term84 Months
Last UpdatedMar 17, 2026
Details
2025-2026 models with less
than 7,500 miles.
Prescott Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
500 N State Route 89, Prescott, AZ, 86313 5001
New Auto loans
5.19%
84 Months
▼
APR5.19%
Term84 Months
Last UpdatedMar 17, 2026
Details
As Low As
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
2151 E Broadway Rd, Tempe, AZ, 85282 1893
New & Used Autos
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedMar 18, 2026
Details
As Low As
Credit Union of Southern California Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
1871 Kiowa Ave, Lake Havasu City, AZ, 86403
New Auto
5.39%
Up to 84 months
▼
APR5.39%
TermUp to 84 months
Last UpdatedMar 18, 2026
Details
Prescott Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
500 N State Route 89, Prescott, AZ, 86313 5001
New Auto loans
5.44%
84 Months
▼
APR5.44%
Term84 Months
Last UpdatedMar 17, 2026
Details
As Low As
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
111 W Rio Salado Pkwy, Tempe, AZ, 85281
New & Used Vehicles
5.49%
Up to 2 years
▼
APR5.49%
TermUp to 2 years
Last UpdatedMar 15, 2026
Details
Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
4747 S Highway 95, Fort Mohave, AZ, 86426 9377
New & Used Autos
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedMar 17, 2026
Details
Landings Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.77%
2800 S Mill Ave, Tempe, AZ, 85282
New Vehicles 2025 & Newer
5.49%
48 months
▼
APR5.49%
Term48 months
Last UpdatedMar 20, 2026
Details
As Low As
Rim Country Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.46%
216 S Main St, Snowflake, AZ, 85937
NEW & USED VEHICLES 12 yrs or newer
5.49%
48 Months
▼
APR5.49%
Term48 Months
Last UpdatedMar 21, 2026
Details
As Low As
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
2151 E Broadway Rd, Tempe, AZ, 85282 1893
New & Used Autos
5.74%
84 Months
▼
APR5.74%
Term84 Months
Last UpdatedMar 18, 2026
Details
As Low As
Landings Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.77%
2800 S Mill Ave, Tempe, AZ, 85282
New Vehicles 2025 & Newer
5.74%
60 months
▼
APR5.74%
Term60 months
Last UpdatedMar 20, 2026
Details
As Low As
Rim Country Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.46%
216 S Main St, Snowflake, AZ, 85937
NEW & USED VEHICLES 12 yrs or newer
5.74%
60 Months
▼
APR5.74%
Term60 Months
Last UpdatedMar 21, 2026
Details
As Low As
Greenwich Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.08%
240 N Roosevelt Ave, Chandler, AZ, 85226
New Cars
5.90%
72 Months
▼
APR5.90%
Term72 Months
Last UpdatedMar 20, 2026
Details
Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
4747 S Highway 95, Fort Mohave, AZ, 86426 9377
New & Used Autos
5.99%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedMar 17, 2026
Details
Landings Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.77%
2800 S Mill Ave, Tempe, AZ, 85282
New Vehicles 2025 & Newer
5.99%
72 months
▼
APR5.99%
Term72 months
Last UpdatedMar 20, 2026
Details
As Low As
Pyramid Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.00%
4491 N Oracle Rd, Tucson, AZ, 85705
New & Used Vehicle Loan
5.99%
36 Months
▼
APR5.99%
Term36 Months
Last UpdatedMar 21, 2026
Details
As Low As
Rim Country Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.46%
216 S Main St, Snowflake, AZ, 85937
NEW & USED VEHICLES 12 yrs or newer
5.99%
72 Months
▼
APR5.99%
Term72 Months
Last UpdatedMar 21, 2026
Details
As Low As
Greenwich Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.08%
240 N Roosevelt Ave, Chandler, AZ, 85226
New Cars
6.90%
84 Months
▼
APR6.90%
Term84 Months
Last UpdatedMar 20, 2026
Details
Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
4747 S Highway 95, Fort Mohave, AZ, 86426 9377
Smart Start New & Used Auto
10.49%
Up to 60
▼
APR10.49%
TermUp to 60
Last UpdatedMar 17, 2026
Details
Dependent on amount financed
Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
4747 S Highway 95, Fort Mohave, AZ, 86426 9377
Smart Start New & Used Auto
10.99%
72 Months
▼
APR10.99%
Term72 Months
Last UpdatedMar 17, 2026
Details
Dependent on amount financed
Credit Union of Southern California Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
1871 Kiowa Ave, Lake Havasu City, AZ, 86403
New Auto
11.39%
Up to 84 months
▼
APR11.39%
TermUp to 84 months
Last UpdatedMar 18, 2026
Details
Credit Union of Southern California Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
1871 Kiowa Ave, Lake Havasu City, AZ, 86403
New Auto
13.74%
Up to 60 months
▼
APR13.74%
TermUp to 60 months
Last UpdatedMar 18, 2026
Details
Credit Union of Southern California Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
1871 Kiowa Ave, Lake Havasu City, AZ, 86403
New Auto
13.99%
Up to 72 months
▼
APR13.99%
TermUp to 72 months
Last UpdatedMar 18, 2026
Details
Cochise Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.03%
580 N Haskell Ave, Willcox, AZ, 85643
New and Used Vehicles
15.50%
84 Months
▼
APR15.50%
Term84 Months
Last UpdatedMar 18, 2026
Details
As Low As
Powered by
MonitorBankRates
Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
Farmers Insurance Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.43%
24000 N Farmers Way, Phoenix, AZ, 85085
Auto Loans (New and used vehicles)
4.99%
36 months
▼
APR4.99%
Term36 months
Last UpdatedMar 18, 2026
Details
Direct Deposit APR
Florida West Coast Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.98%
4801 E THISTLE LANDING DR, PHOENIX, AZ, 85044
Used Automobile (2017 & newer)
5.10%
72 Months
▼
APR5.10%
Term72 Months
Last UpdatedMar 20, 2026
Details
As Low As
Farmers Insurance Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.43%
24000 N Farmers Way, Phoenix, AZ, 85085
Auto Loans (New and used vehicles)
5.24%
48 months
▼
APR5.24%
Term48 months
Last UpdatedMar 18, 2026
Details
Direct Deposit APR
BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 3.85%
3001 East Cambelback Road, Phoenix, AZ, 85016
Used Auto Loan
5.29%
36 Months
▼
APR5.29%
Term36 Months
Last UpdatedMar 18, 2026
Details
BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 3.85%
3001 East Cambelback Road, Phoenix, AZ, 85016
Used Auto Loan
5.39%
48 Months
▼
APR5.39%
Term48 Months
Last UpdatedMar 18, 2026
Details
BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 3.85%
3001 East Cambelback Road, Phoenix, AZ, 85016
Used Auto Loan
5.44%
60 Months
▼
APR5.44%
Term60 Months
Last UpdatedMar 18, 2026
Details
BOK Financial
Institution Rating:
A+5.0 ★ Texas Ratio: 3.85%
3001 East Cambelback Road, Phoenix, AZ, 85016
Used Auto Loan
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedMar 18, 2026
Details
Farmers Insurance Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.43%
24000 N Farmers Way, Phoenix, AZ, 85085
Auto Loans (New and used vehicles)
5.49%
60 months
▼
APR5.49%
Term60 months
Last UpdatedMar 18, 2026
Details
Direct Deposit APR
Farmers Insurance Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.43%
24000 N Farmers Way, Phoenix, AZ, 85085
Auto Loans (New and used vehicles)
5.74%
72 months
▼
APR5.74%
Term72 months
Last UpdatedMar 18, 2026
Details
Direct Deposit APR
Alhambra Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.81%
7339 N 35th Ave, Phoenix, AZ, 85051
Used Vehicle
5.99%
60 Months
▼
APR5.99%
Term60 Months
Last UpdatedMar 17, 2026
Details
As Low As
Farmers Insurance Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.43%
24000 N Farmers Way, Phoenix, AZ, 85085
Auto Loans (New and used vehicles)
5.99%
36 months
▼
APR5.99%
Term36 months
Last UpdatedMar 18, 2026
Details
Standard APR
Farmers Insurance Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.43%
24000 N Farmers Way, Phoenix, AZ, 85085
Auto Loans (New and used vehicles)
6.24%
48 months
▼
APR6.24%
Term48 months
Last UpdatedMar 18, 2026
Details
Standard APR
Banner Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.93%
9321 W Thomas Rd, Phoenix, AZ, 85037 3389
Used Auto Loan
6.49%
73-84
▼
APR6.49%
Term73-84
Last UpdatedMar 18, 2026
Details
As Low As; 2021 - New
Farmers Insurance Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.43%
24000 N Farmers Way, Phoenix, AZ, 85085
Auto Loans (New and used vehicles)
6.49%
60 months
▼
APR6.49%
Term60 months
Last UpdatedMar 18, 2026
Details
Standard APR
Alhambra Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.81%
7339 N 35th Ave, Phoenix, AZ, 85051
Used Vehicle
6.50%
72 Months
▼
APR6.50%
Term72 Months
Last UpdatedMar 17, 2026
Details
As Low As
Farmers Insurance Federal Credit Union
Institution Rating:
A-5.0 ★ Texas Ratio: 15.43%
24000 N Farmers Way, Phoenix, AZ, 85085
Auto Loans (New and used vehicles)
6.74%
72 months
▼
APR6.74%
Term72 months
Last UpdatedMar 18, 2026
Details
Standard APR
Interfaith Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.60%
1550 E Meadowbrook Ave Ste B, Phoenix, AZ, 85014 4040
Used Autos, SUVs, Trucks, Vans
6.99%
3-7 year term
▼
APR6.99%
Term3-7 year term
Last UpdatedMar 17, 2026
Details
As Low As
Banner Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.93%
9321 W Thomas Rd, Phoenix, AZ, 85037 3389
Used Auto Loan
7.49%
0-60
▼
APR7.49%
Term0-60
Last UpdatedMar 18, 2026
Details
As Low As
Alhambra Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.81%
7339 N 35th Ave, Phoenix, AZ, 85051
Used Vehicle
7.50%
84 Months
▼
APR7.50%
Term84 Months
Last UpdatedMar 17, 2026
Details
As Low As
Banner Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.93%
9321 W Thomas Rd, Phoenix, AZ, 85037 3389
Used Auto Loan
8.24%
61-72
▼
APR8.24%
Term61-72
Last UpdatedMar 18, 2026
Details
As Low As
Banner Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.93%
9321 W Thomas Rd, Phoenix, AZ, 85037 3389
Used Auto Loan
8.99%
73-84
▼
APR8.99%
Term73-84
Last UpdatedMar 18, 2026
Details
As Low As; 2016-2020
Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
4747 S Highway 95, Fort Mohave, AZ, 86426 9377
New & Used Autos
3.99%
36 Months
▼
APR3.99%
Term36 Months
Last UpdatedMar 17, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
2151 E Broadway Rd, Tempe, AZ, 85282 1893
New & Used Autos
4.49%
24 Months
▼
APR4.49%
Term24 Months
Last UpdatedMar 18, 2026
Details
As Low As
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
2151 E Broadway Rd, Tempe, AZ, 85282 1893
New & Used Autos
4.74%
48 Months
▼
APR4.74%
Term48 Months
Last UpdatedMar 18, 2026
Details
As Low As
Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
4747 S Highway 95, Fort Mohave, AZ, 86426 9377
New & Used Autos
4.99%
48 to 60 Months
▼
APR4.99%
Term48 to 60 Months
Last UpdatedMar 17, 2026
Details
Credit Union of Southern California Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
1871 Kiowa Ave, Lake Havasu City, AZ, 86403
Pre-owned Auto
4.99%
Up to 60 months
▼
APR4.99%
TermUp to 60 months
Last UpdatedMar 18, 2026
Details
Cochise Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.03%
580 N Haskell Ave, Willcox, AZ, 85643
New and Used Vehicles
5.00%
84 Months
▼
APR5.00%
Term84 Months
Last UpdatedMar 18, 2026
Details
As Low As
Credit Union of Southern California Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
1871 Kiowa Ave, Lake Havasu City, AZ, 86403
Pre-owned Auto
5.24%
Up to 72 months
▼
APR5.24%
TermUp to 72 months
Last UpdatedMar 18, 2026
Details
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
2151 E Broadway Rd, Tempe, AZ, 85282 1893
New & Used Autos
5.24%
72 Months
▼
APR5.24%
Term72 Months
Last UpdatedMar 18, 2026
Details
As Low As
Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.70%
5000 E McDowell Rd, Mesa, AZ, 85215 9707
Used Cars
5.34%
84 Months
▼
APR5.34%
Term84 Months
Last UpdatedMar 17, 2026
Details
2017-2025 models.
UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
111 W Rio Salado Pkwy, Tempe, AZ, 85281
New & Used Vehicles
5.49%
Up to 2 years
▼
APR5.49%
TermUp to 2 years
Last UpdatedMar 15, 2026
Details
Prescott Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
500 N State Route 89, Prescott, AZ, 86313 5001
Used Auto loans
5.49%
84 Months
▼
APR5.49%
Term84 Months
Last UpdatedMar 17, 2026
Details
As Low As
Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
4747 S Highway 95, Fort Mohave, AZ, 86426 9377
New & Used Autos
5.49%
72 Months
▼
APR5.49%
Term72 Months
Last UpdatedMar 17, 2026
Details
Rim Country Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.46%
216 S Main St, Snowflake, AZ, 85937
NEW & USED VEHICLES 12 yrs or newer
5.49%
48 Months
▼
APR5.49%
Term48 Months
Last UpdatedMar 21, 2026
Details
As Low As
Credit Union of Southern California Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
1871 Kiowa Ave, Lake Havasu City, AZ, 86403
Pre-owned Auto
5.64%
Up to 84 months
▼
APR5.64%
TermUp to 84 months
Last UpdatedMar 18, 2026
Details
Prescott Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.58%
500 N State Route 89, Prescott, AZ, 86313 5001
Used Auto Loans
5.74%
84 Months
▼
APR5.74%
Term84 Months
Last UpdatedMar 17, 2026
Details
As Low As
Firefighters First Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 1.58%
2151 E Broadway Rd, Tempe, AZ, 85282 1893
New & Used Autos
5.74%
84 Months
▼
APR5.74%
Term84 Months
Last UpdatedMar 18, 2026
Details
As Low As
Rim Country Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.46%
216 S Main St, Snowflake, AZ, 85937
NEW & USED VEHICLES 12 yrs or newer
5.74%
60 Months
▼
APR5.74%
Term60 Months
Last UpdatedMar 21, 2026
Details
As Low As
Greenwich Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.08%
240 N Roosevelt Ave, Chandler, AZ, 85226
Used Cars
5.90%
36 Months
▼
APR5.90%
Term36 Months
Last UpdatedMar 20, 2026
Details
Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
4747 S Highway 95, Fort Mohave, AZ, 86426 9377
New & Used Autos
5.99%
84 Months
▼
APR5.99%
Term84 Months
Last UpdatedMar 17, 2026
Details
Pyramid Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.00%
4491 N Oracle Rd, Tucson, AZ, 85705
New & Used Vehicle Loan
5.99%
36 Months
▼
APR5.99%
Term36 Months
Last UpdatedMar 21, 2026
Details
As Low As
Rim Country Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 5.46%
216 S Main St, Snowflake, AZ, 85937
NEW & USED VEHICLES 12 yrs or newer
5.99%
72 Months
▼
APR5.99%
Term72 Months
Last UpdatedMar 21, 2026
Details
As Low As
Greenwich Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.08%
240 N Roosevelt Ave, Chandler, AZ, 85226
Used Cars
6.90%
72 Months
▼
APR6.90%
Term72 Months
Last UpdatedMar 20, 2026
Details
Credit Union of Southern California Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
1871 Kiowa Ave, Lake Havasu City, AZ, 86403
Pre-owned
7.49%
84 Months
▼
APR7.49%
Term84 Months
Last UpdatedMar 18, 2026
Details
Greenwich Municipal Employees Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.08%
240 N Roosevelt Ave, Chandler, AZ, 85226
Used Cars
7.90%
84 Months
▼
APR7.90%
Term84 Months
Last UpdatedMar 20, 2026
Details
Credit Union of Southern California Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
1871 Kiowa Ave, Lake Havasu City, AZ, 86403
Pre-owned
8.49%
180 Months
▼
APR8.49%
Term180 Months
Last UpdatedMar 18, 2026
Details
Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
4747 S Highway 95, Fort Mohave, AZ, 86426 9377
Smart Start New & Used Auto
10.49%
Up to 60
▼
APR10.49%
TermUp to 60
Last UpdatedMar 17, 2026
Details
Dependent on amount financed
Arrowhead Central Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.28%
4747 S Highway 95, Fort Mohave, AZ, 86426 9377
Smart Start New & Used Auto
10.99%
72 Months
▼
APR10.99%
Term72 Months
Last UpdatedMar 17, 2026
Details
Dependent on amount financed
Credit Union of Southern California Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
1871 Kiowa Ave, Lake Havasu City, AZ, 86403
Pre-owned
11.49%
84 Months
▼
APR11.49%
Term84 Months
Last UpdatedMar 18, 2026
Details
Credit Union of Southern California Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
1871 Kiowa Ave, Lake Havasu City, AZ, 86403
Pre-owned Auto
11.64%
Up to 84 months
▼
APR11.64%
TermUp to 84 months
Last UpdatedMar 18, 2026
Details
Credit Union of Southern California Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
1871 Kiowa Ave, Lake Havasu City, AZ, 86403
Pre-owned
12.49%
180 Months
▼
APR12.49%
Term180 Months
Last UpdatedMar 18, 2026
Details
Credit Union of Southern California Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
1871 Kiowa Ave, Lake Havasu City, AZ, 86403
Pre-owned Auto
13.99%
Up to 60 months
▼
APR13.99%
TermUp to 60 months
Last UpdatedMar 18, 2026
Details
Credit Union of Southern California Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.57%
1871 Kiowa Ave, Lake Havasu City, AZ, 86403
Pre-owned Auto
14.24%
Up to 72 months
▼
APR14.24%
TermUp to 72 months
Last UpdatedMar 18, 2026
Details
Cochise Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.03%
580 N Haskell Ave, Willcox, AZ, 85643
New and Used Vehicles
15.50%
84 Months
▼
APR15.50%
Term84 Months
Last UpdatedMar 18, 2026
Details
As Low As
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Frequently Asked Questions about Auto Loans in Phoenix, Arizona
How does my credit score affect my car loan rate in Arizona?
Your credit score is the biggest factor determining your auto loan APR. Borrowers in Phoenix, Arizona with excellent credit (750+) qualify for the lowest rates, while those with lower scores will see significantly higher interest costs.
Is it better to finance through a dealership or a bank?
It is highly recommended to get pre-approved through a local bank or credit union in Arizona *before* visiting a dealership. Dealerships often mark up interest rates to make a profit.
What is the difference between New and Used Auto Loan rates?
Lenders in Phoenix, Arizona typically offer lower interest rates for new cars because they are easier to value and represent less risk. Used car loans generally carry slightly higher APRs.
How long should my auto loan term be?
While 72-month and 84-month loans lower your monthly payment, they cost you far more in total interest. The ideal auto loan term is 60 months or less.
What are the best Auto Loan rates in Phoenix, Arizona?
Based on our current data, some of the lowest auto loan rates available in Phoenix, Arizona include:
- Florida West Coast Credit Union: 4.60% (New Automobile (2025 & newer))
- Credit Union West Credit Union: 4.99% (Auto Loans)
- Farmers Insurance Federal Credit Union: 4.99% (Auto Loans (New and used vehicles))
- BOK Financial: 5.29% (New Auto Loan)
- Interfaith Federal Credit Union: 5.49% (New Autos, SUVs, Trucks, Vans)
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Phoenix, Arizona. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: March 21, 2026
