Sedona, Arizona Best Auto Loan Rates - September 2026
Brian McKay
Brian McKay
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Current auto loan rates in Sedona, Arizona include Sierra Pacific Federal Credit UnionSierra Pacific Federal Credit UnionA+5.0 ★Texas Ratio: 2.54% offering New and Used Auto Loan at 3.94%, Arrowhead Central Credit Union offering New & Used Autos - 36 Months at 3.99%, Florida West Coast Credit UnionFlorida West Coast Credit UnionA+5.0 ★Texas Ratio: 1.59% offering New Automobile at 3.99%, Credit Union of Southern California offering Auto Loan at 3.99%, District #6 Federal Credit UnionDistrict #6 Federal Credit UnionA+5.0 ★Texas Ratio: 3.48% offering Vehicle Loan at 4.00%. Auto loan rates as of September 9, 2026 according to verified data from MonitorBankRates.
Sedona borrowers have access to 25 lenders serving the Arizona area, with auto loan rates as low as 3.94% APR from Sierra Pacific Federal Credit Union. Use the tabs below to compare new and used auto loan rates. Rates are continually updated, so we recommend checking back frequently.
Auto loan rates reflect recent market quotes and representative offers available to borrowers in Sedona, Arizona. Auto Loan Rates Last Updated and Verified: September 9, 2026
Compare Auto Loan Rates Today in Sedona, Arizona & Surrounding Area
Sedona Auto Loan Rates
As low as; Rates apply to 2019 or newer models if conditions are met. Rates and terms are based on creditworthiness and subject to change. Additional conditions may apply. See credit union for details.
New Automobile (2025 & newer)
As Low As; Financing is available up to 120% of Kelley Blue Book retail value, inclusive of tax, license, and optional CU SoCal GAP and Mechanical Repair Coverage, subject to credit approval and underwriting guidelines. Vehicles less than two years old with up to 10,000 miles are classified as new; vehicles less than ten years old with up to 120,000 miles are classified as preowned. CU SoCal does not finance salvaged title or Lemon Law Buyback vehicles. Payment factor is based on maximum term and calculated per $1,000 financed. Direct deposit discount is applied once at time of loan funding. Rewards+ discount applied within 30 days of verification of applicant meeting qualification requirements. Discounts remain in effect for the life of the loan unless qualifying conditions are discontinued. For loans with a 90-day payment deferment, interest accrues from the funding date. Not all applicants will qualify. Additional terms and conditions may apply; consult a CU SoCal representative for details. Rate subject to change without notice.
Rates displayed are the lowest rates available including a discount for automatic payment. Minimum $10,001 on loans with a term of more than 48 months.
As low as; Rates apply to 2019 or newer models if conditions are met. Rates and terms are based on creditworthiness and subject to change. Additional conditions may apply. See credit union for details.
APR range: 4.49% - 16.99%
Used Automobile (2017 & newer)
The APR reflects all available discounts. Discounts subject to change.
As low as; Rates apply to 2019 or newer models if conditions are met. Rates and terms are based on creditworthiness and subject to change. Additional conditions may apply. See credit union for details.
($20,000 Minimum)
As low as
APR range: 4.99% - 17.24%
Rates displayed are the lowest rates available including a discount for automatic payment. Minimum $10,001 on loans with a term of more than 48 months.
As low as
As Low As; Fixed
New Vehicle Loans as low as:
As Low As; Fixed Rates:
new
As low as
APR range: 5.24% - 17.74%
Rates displayed are the lowest rates available including a discount for automatic payment.
As low as
As Low As; Fixed
As Low As; Fixed
As Low As; Fixed Rates:
As Low As; Fixed Rates:
Fixed (up to 20 years old)
As low as
As low as; Rates apply to 2019 or newer models if conditions are met. Rates and terms are based on creditworthiness and subject to change. Additional conditions may apply. See credit union for details.
APR range: 5.49% - 17.74%
Used Vehicle Loans as low as
As Low As; Fixed Rates:
As low as
As low as
New Vehicle Loans as low as:
As low as
As Low As
As Low As; Fixed Rates:
2025 to 2026
($30,000 Minimum)
Rates displayed are the lowest rates available including a discount for automatic payment.
Actual rate will be determined by your Experian FICO 2 Credit Score.
As low as
As low as; Rates apply to 2019 or newer models if conditions are met. Rates and terms are based on creditworthiness and subject to change. Additional conditions may apply. See credit union for details.
2025 to 2026
2024 and older
As Low As
APR range: 5.99% - 17.74%
As Low As; Fixed
Rates quoted are best possible rate. Your rate may be higher depending on your credit history and the age of your vehicle. Not eligible for additional discounts.
As Low As; Fixed Rates:
As Low As; Fixed Rates:
($20,000 Minimum)
New Vehicle Loans as low as:
Used Vehicle Loans as low as
2025 to 2026; over $20,000
Actual rate will be determined by your Experian FICO 2 Credit Score.
APR range: 6.24% - 17.99%
As Low As
2025 to 2026; over $20,000
2024 and older
Credit Score: 725+
Actual rate will be determined by your Experian FICO 2 Credit Score.
APR range: 6.49% - 17.99%
As low as
As low as
Actual rate will be determined by your Experian FICO 2 Credit Score.
2024 and older; over $20,000
2025 to 2026; over $25,000
Credit Score: 725+
As low as
As low as
Used Vehicle Loans as low as
Actual rate will be determined by your Experian FICO 2 Credit Score.
As low as
APR range: 7.24% - 17.99%
As low as; Rates apply to 2015 or newer models if conditions are met. See credit union for details.
Credit Score 725+
Actual rate will be determined by your Experian FICO 2 Credit Score.
2024 and older; over $20,000
$30,000; As Low As; Fixed
Credit Score: 680-724
Credit Score 725+
2024 and older; over $25,000
Credit Score: 680-724
Credit Score 680-724
Loan amount greater than $20,000; Credit Score: 680-724
APR range: 8.75% - 17.99%
Loan amount greater than $20,000; Credit Score 725+
Credit Score: 640-679
Credit Score 680-724
Credit Score: 640-679
Loan amount greater than $20,000; Credit Score 680-724
Credit Score 640-679
Loan amount greater than $20,000; Credit Score: 640-679
Credit Score 640-679
Credit Score: 600-639
Loan amount greater than $20,000; Credit Score 640-679
As Low As: **
Credit Score: 600-639
Credit Score 600-639
Credit Score: 560-599
Credit Score: 560-599
Credit Score 600-639
Credit Score 560-599
Credit Score: 559 & Under
Loan amount greater than $20,000; Credit Score 600-639
Credit Score: 559 & Under
Credit Score 560-599
Credit Score 559 & under
Loan amount greater than $20,000; Credit Score: 559 & Under
Loan amount greater than $20,000; Credit Score 560-599
Credit Score 559 & under
Loan amount greater than $20,000; Credit Score 559 & under
Sedona New Auto Auto Loan Rates
As low as; Rates apply to 2019 or newer models if conditions are met. Rates and terms are based on creditworthiness and subject to change. Additional conditions may apply. See credit union for details.
New Automobile (2025 & newer)
As low as; Rates apply to 2019 or newer models if conditions are met. Rates and terms are based on creditworthiness and subject to change. Additional conditions may apply. See credit union for details.
APR range: 4.49% - 16.99%
The APR reflects all available discounts. Discounts subject to change.
As low as; Rates apply to 2019 or newer models if conditions are met. Rates and terms are based on creditworthiness and subject to change. Additional conditions may apply. See credit union for details.
As low as
APR range: 4.99% - 17.24%
As low as
New Vehicle Loans as low as:
As Low As; Fixed Rates:
As low as
APR range: 5.24% - 17.74%
As low as
As Low As; Fixed Rates:
As low as; Rates apply to 2019 or newer models if conditions are met. Rates and terms are based on creditworthiness and subject to change. Additional conditions may apply. See credit union for details.
APR range: 5.49% - 17.74%
New Vehicle Loans as low as:
As Low As
As Low As; Fixed Rates:
2025 to 2026
Actual rate will be determined by your Experian FICO 2 Credit Score.
As low as; Rates apply to 2019 or newer models if conditions are met. Rates and terms are based on creditworthiness and subject to change. Additional conditions may apply. See credit union for details.
2025 to 2026
As Low As
APR range: 5.99% - 17.74%
Rates quoted are best possible rate. Your rate may be higher depending on your credit history and the age of your vehicle. Not eligible for additional discounts.
As Low As; Fixed Rates:
New Vehicle Loans as low as:
2025 to 2026; over $20,000
APR range: 6.24% - 17.99%
2025 to 2026; over $20,000
Credit Score: 725+
Actual rate will be determined by your Experian FICO 2 Credit Score.
APR range: 6.49% - 17.99%
2025 to 2026; over $25,000
Credit Score: 725+
Actual rate will be determined by your Experian FICO 2 Credit Score.
APR range: 7.24% - 17.99%
Credit Score: 680-724
Credit Score: 680-724
Loan amount greater than $20,000; Credit Score: 680-724
APR range: 8.75% - 17.99%
Credit Score: 640-679
Credit Score: 640-679
Loan amount greater than $20,000; Credit Score: 640-679
Credit Score: 600-639
Credit Score: 600-639
Credit Score: 560-599
Credit Score: 560-599
Credit Score: 559 & Under
Credit Score: 559 & Under
Loan amount greater than $20,000; Credit Score: 559 & Under
Sedona Used Auto Auto Loan Rates
As low as; Rates apply to 2019 or newer models if conditions are met. Rates and terms are based on creditworthiness and subject to change. Additional conditions may apply. See credit union for details.
Rates displayed are the lowest rates available including a discount for automatic payment. Minimum $10,001 on loans with a term of more than 48 months.
As low as; Rates apply to 2019 or newer models if conditions are met. Rates and terms are based on creditworthiness and subject to change. Additional conditions may apply. See credit union for details.
APR range: 4.49% - 16.99%
Used Automobile (2017 & newer)
The APR reflects all available discounts. Discounts subject to change.
As low as; Rates apply to 2019 or newer models if conditions are met. Rates and terms are based on creditworthiness and subject to change. Additional conditions may apply. See credit union for details.
APR range: 4.99% - 17.24%
Rates displayed are the lowest rates available including a discount for automatic payment. Minimum $10,001 on loans with a term of more than 48 months.
As low as
APR range: 5.24% - 17.74%
Rates displayed are the lowest rates available including a discount for automatic payment.
As Low As; Fixed Rates:
As low as
As low as; Rates apply to 2019 or newer models if conditions are met. Rates and terms are based on creditworthiness and subject to change. Additional conditions may apply. See credit union for details.
APR range: 5.49% - 17.74%
Used Vehicle Loans as low as
As Low As; Fixed Rates:
As low as
As low as
As Low As
Rates displayed are the lowest rates available including a discount for automatic payment.
Actual rate will be determined by your Experian FICO 2 Credit Score.
As low as
As low as; Rates apply to 2019 or newer models if conditions are met. Rates and terms are based on creditworthiness and subject to change. Additional conditions may apply. See credit union for details.
2024 and older
As Low As
APR range: 5.99% - 17.74%
Rates quoted are best possible rate. Your rate may be higher depending on your credit history and the age of your vehicle. Not eligible for additional discounts.
As Low As; Fixed Rates:
Used Vehicle Loans as low as
Actual rate will be determined by your Experian FICO 2 Credit Score.
APR range: 6.24% - 17.99%
As Low As
2024 and older
Actual rate will be determined by your Experian FICO 2 Credit Score.
APR range: 6.49% - 17.99%
As low as
Actual rate will be determined by your Experian FICO 2 Credit Score.
2024 and older; over $20,000
As low as
Used Vehicle Loans as low as
Actual rate will be determined by your Experian FICO 2 Credit Score.
APR range: 7.24% - 17.99%
Credit Score 725+
Actual rate will be determined by your Experian FICO 2 Credit Score.
2024 and older; over $20,000
Credit Score 725+
2024 and older; over $25,000
Credit Score 680-724
APR range: 8.75% - 17.99%
Loan amount greater than $20,000; Credit Score 725+
Credit Score 680-724
Loan amount greater than $20,000; Credit Score 680-724
Credit Score 640-679
Credit Score 640-679
Loan amount greater than $20,000; Credit Score 640-679
Credit Score 600-639
Credit Score 600-639
Credit Score 560-599
Loan amount greater than $20,000; Credit Score 600-639
Credit Score 560-599
Credit Score 559 & under
Loan amount greater than $20,000; Credit Score 560-599
Credit Score 559 & under
Loan amount greater than $20,000; Credit Score 559 & under
Sedona, AZ Auto Loan Rate Trends
Compare local Sedona, 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 fell 0.003 points over the past 7 days to 5.852% APR.
Arizona used auto rates fell 0.006 points over the past 7 days to 5.969% APR.
Sedona, AZ Auto Loan Rate Forecast, Next 12 Months
Auto loan APRs track lender funding costs, which follow Federal Reserve policy. Our model projects the likely path of new and used auto averages from the current Arizona figures.
Forecast Methodology & Assumptions
Key assumptions: the Federal Reserve holds the federal funds rate at its current level over the next 12 months, with the possibility of one 25 basis point increase; auto lenders reprice within one to two policy cycles as funding costs move, and credit union pricing tends to lag banks slightly.
Important notice: this forecast is for informational purposes only and should not be used as the sole basis for financial decisions. Rate forecasts carry significant uncertainty. The actual trajectory will depend on Federal Reserve decisions, economic conditions, and competitive dynamics among financial institutions.
What Would Your Monthly Car Payment Be?
Estimated monthly payments on a standard 60-month auto loan at today’s average Arizona APRs. Even a small APR difference adds up over the life of a car loan. Use the calculator below to model your exact loan.
| Loan Amount | New Auto @ 5.85% APR AZ average | Used Auto @ 5.97% APR AZ average | Monthly Difference |
|---|---|---|---|
| $15,000 | $288.96/mo | $289.77/mo | $0.82/mo |
| $25,000 | $481.60/mo | $482.96/mo | $1.36/mo |
| $35,000 | $674.23/mo | $676.14/mo | $1.91/mo |
| $45,000 | $866.87/mo | $869.32/mo | $2.45/mo |
Principal and interest only, 60-month term, calculated from current average APRs. Taxes, title, registration, and optional add-ons are not included. Your APR depends on credit score, loan term, vehicle age, and lender underwriting.
How to Get the Best Auto Loan Rate in Sedona, Arizona
Get Preapproved Before You Shop
A preapproval from a bank or credit union serving Sedona, Arizona locks in a real rate before you set foot on a dealer lot. It turns you into a cash buyer, gives you a benchmark to beat, and protects you from dealer financing markups. Dealers can legally add points to the rate a lender actually approved you for.
Check Credit Unions First
Credit unions consistently offer some of the lowest auto loan APRs in Arizona. Membership is usually easier to get than people expect. Many local credit unions accept anyone who lives, works, or worships in the area, and some let you join with a small donation to a partner charity.
Choose the Shortest Term You Can Afford
Shorter terms almost always carry lower APRs, and you pay interest for fewer months. A 72- or 84-month loan lowers the monthly payment but dramatically raises total interest cost and increases the time you spend “underwater”, owing more than the car is worth. Aim for 60 months or less if the payment fits your budget.
Mind the New vs. Used Rate Spread
Used car loans typically run 0.5 to 1.5 percentage points above new car rates. If you’re shopping late-model used vehicles, ask about certified pre-owned programs. CPO vehicles sometimes qualify for new-car financing rates, which can offset part of the price difference between the two.
- Saving up for a bigger down payment: park it in a Sedona, Arizona high-yield savings account so it earns while you shop
- Buying from a private seller where auto financing is harder to arrange: compare personal loan rates
- Car fund you won’t need for a set period: Sedona, Arizona CD rates lock in a guaranteed return until you’re ready to buy
Sedona, Arizona Financial Snapshot
Local demographics and economic context for car buyers. Source: U.S. Census Bureau
A $578 monthly car payment works out to roughly 20.4% of the median individual income in Sedona, Arizona. Most budgeting guidelines suggest keeping total vehicle costs (payment, insurance, fuel, and maintenance) under 15–20% of take-home pay.
Auto Financing Options Compared
An auto loan isn’t the only way to finance a vehicle in Sedona, Arizona, but for most borrowers it’s the cheapest. Here’s how the main options stack up.
| Feature | Credit Union Auto Loan | Bank Auto Loan | Dealer Financing | Personal Loan |
|---|---|---|---|---|
| Typical APR Level | ✓ Often lowest | ✓ Competitive | ● Varies, can be marked up | ✗ Highest (unsecured) |
| Rate Locked Before You Shop | ✓ Yes, via preapproval | ✓ Yes, via preapproval | ✗ Arranged at the dealership | ✓ Yes |
| Membership / Relationship Required | ● Membership (usually easy) | ✗ No | ✗ No | ✗ No |
| Works for Private-Party Sales | ✓ Usually | ● Sometimes | ✗ No | ✓ Yes |
| Convenience at Purchase | ● Preapproval step first | ● Preapproval step first | ✓ One-stop at the dealer | ● Funds in 1–3 days |
| Best For | Lowest total cost of borrowing | Existing bank customers & rate discounts | Manufacturer 0% promos on new cars | Older vehicles lenders won’t finance |
General comparison for educational purposes. Manufacturer promotional financing (0–2.9% APR offers) through dealers can beat any bank or credit union rate when you qualify. Always compare the promo against a cash rebate plus outside financing.
Auto Loan Payment Calculator
Estimate your monthly payment on a new or used vehicle in Sedona, Arizona. We’ve prefilled the APR with today’s AZ new-auto average, or click any current rate on the right to apply it instantly.
Estimates include principal and interest only. Sales tax, title, registration, documentation fees, and optional products (GAP, warranties) are not included and are often financed into the loan. Advertised APRs typically require excellent credit; your rate may differ.
Methodology & Data Sources
Independent, Free, and Unbiased Rate Comparisons: MonitorBankRates.com is an independent rate comparison service. Our Sedona, 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 Sedona, 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 Sedona, 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 Sedona, Arizona
How does my credit score affect my car loan rate in Arizona?
Is it better to finance through a dealership or a bank?
What is the difference between New and Used Auto Loan rates?
How long should my auto loan term be?
Should I get preapproved for an auto loan before visiting a dealer in Sedona, Arizona?
Why are used car loan rates higher than new car rates?
Can I refinance my auto loan if rates drop or my credit improves?
What are the best Auto Loan rates in Sedona, Arizona?
- Sierra Pacific Federal Credit Union: 3.94% (New and Used Auto Loan)
- Arrowhead Central Credit Union: 3.99% (New & Used Autos - 36 Months)
- Florida West Coast Credit Union: 3.99% (New Automobile)
- Credit Union of Southern California: 3.99% (Auto Loan)
- District #6 Federal Credit Union: 4.00% (Vehicle Loan)
Sedona, Arizona Rates & Resources
