Star Valley, Arizona Best Auto Loan Rates - October 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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Star Valley, Arizona auto loan rates from lenders serving Arizona range from 3.34% to 7.39% APR, verified by MonitorBankRates as of October 12, 2026. Current auto loan rates in Star Valley, Arizona include American Airlines Federal Credit UnionAmerican Airlines Federal Credit UnionA+5.0 ★Texas Ratio: 2.87% offering New Auto at 3.34%, Navy Federal Credit UnionNavy Federal Credit UnionA5.0 ★Texas Ratio: 8.14% offering New Auto Loan at 3.89%, Southwest Airlines Federal Credit UnionSouthwest Airlines Federal Credit UnionA+5.0 ★Texas Ratio: 3.25% offering New Auto at 3.94%, Florida West Coast Credit UnionFlorida West Coast Credit UnionA+5.0 ★Texas Ratio: 1.02% offering New Automobile at 3.99%, Arrowhead Central Credit UnionArrowhead Central Credit UnionA+5.0 ★Texas Ratio: 3.64% offering New & Used Autos at 3.99%. Auto loan rates as of October 12, 2026 according to verified data from MonitorBankRates.
Star Valley borrowers have access to 36 lenders serving the Arizona area, with auto loan rates as low as 3.34% APR from American Airlines 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 Star Valley, Arizona. Auto Loan Rates Last Updated and Verified: October 12, 2026
Compare Auto Loan Rates Today in Star Valley, Arizona & Surrounding Area
Star Valley Auto Loan Rates
Rates Effective September 18, 2026.
Rates Effective September 18, 2026.
As Low As
As Low As; Rates subject to change.
Published APR range: 3.94% - 14.00%. 100% Financing**
New & Used Automobiles; New Automobile (2025 & newer)
Published APR range: 3.99%-16.99%.
Published APR range: 3.99% - 16.99%.
Model Years: 2023 - 2027
Model Years: 2023 - 2027
Rates Effective September 18, 2026.
As low as
Published APR range: 4.19% - 15.00%.
Published APR range: 4.19% - 14.25%. 100% Financing**
APR = Annual Percentage Rate. All loans subject to credit approval. Actual rate received is based on your credit qualifications. Rates subject to change without notice. Minimum $10,001 on loans with a term of more than 48 months. Rates displayed are the lowest rates available for Tier 1 credit, including a discount for automatic payment from a Northrop Grumman Federal Credit Union checking or savings account.
All loans subject to credit approval. Actual rate received is based on your credit qualifications. Rates subject to change without notice. Minimum $10,001 on loans with a term of more than 48 months. Rates displayed are the lowest rates available for Tier 1 credit, including a discount for automatic payment from a Northrop Grumman Federal Credit Union checking or savings account.
As Low As
As Low As
Model Years: 2023 - 2027
As Low As
As Low As; Rates subject to change.
As Low As; Rates apply to 2019 or newer models if conditions are met.
Published APR range: 4.44% - 15.20%.
Published APR range: 4.44% - 15.25%.
As Low As
As Low As
New & Used Automobiles; Used Automobile (2017 & newer)
As Low As; Rate assumes loan to value of 100% or less and term of 60 months or less. Not all borrowers will qualify for the lowest interest rate.
Published APR range: 4.49% - 16.99%. Model Year: 2024 & Newer; Effective Date: Monday, October 12th, 2026
Model Year: 2022 & Older
As Low As; Final rate based on credit worthiness and term of the loan.
- Sep 25, 20264.50%▼ from 4.59%
- Sep 14, 20264.59%first recorded
Rates Effective September 18, 2026.
APR = Annual Percentage Rate. All loans subject to credit approval. Actual rate received is based on your credit qualifications. Rates subject to change without notice. Minimum $10,001 on loans with a term of more than 48 months. Rates displayed are the lowest rates available for Tier 1 credit, including a discount for automatic payment from a Northrop Grumman Federal Credit Union checking or savings account.
As Low As
As Low As; Rates subject to change.
Loan amount must be $35,000.00 or greater to qualify for 84-month term. As Low As; The rate you receive is based on your credit history, collateral, loan term, loan to value and direct deposit relationship. Rates and terms are subject to change without notice. Not all applicants will qualify for the lowest rate.
- Oct 5, 20264.60%▲ from 4.34%
- Oct 1, 20264.34%first recorded
Published APR range: 4.69% - 15.65%.
Published APR range: 4.69% - 15.45%.
APR = Annual Percentage Rate. All loans subject to credit approval. Actual rate received is based on your credit qualifications. Rates subject to change without notice. Minimum $10,001 on loans with a term of more than 48 months. Rates displayed are the lowest rates available for Tier 1 credit, including a discount for automatic payment from a Northrop Grumman Federal Credit Union checking or savings account.
As Low As; Rates apply to 2019 or newer models if conditions are met.
Model Years: 2023 - 2027; ($20,000 Minimum)
Model Years 2021 and Newer UP TO 120%; Interest rate includes discount for automatic loan payment from your SDFFCU account.
As Low As
As Low As; Rates subject to change.
APR = Annual Percentage Rate. All loans subject to credit approval. Actual rate received is based on your credit qualifications. Rates subject to change without notice. Minimum $10,001 on loans with a term of more than 48 months. Rates displayed are the lowest rates available for Tier 1 credit, including a discount for automatic payment from a Northrop Grumman Federal Credit Union checking or savings account.
Published APR range: 4.94% - 15.90%.
Payment:; APR Type: Fixed
Payment:; APR Type: Fixed
Payment:; APR Type: Fixed
Payment:; APR Type: Fixed
Payment:; APR Type: Fixed
All loans subject to credit approval. Actual rate received is based on your credit qualifications. Rates subject to change without notice. Minimum $10,001 on loans with a term of more than 48 months. Rates displayed are the lowest rates available for Tier 1 credit, including a discount for automatic payment from a Northrop Grumman Federal Credit Union checking or savings account.
All loans subject to credit approval. Actual rate received is based on your credit qualifications. Rates subject to change without notice. Minimum $10,001 on loans with a term of more than 48 months. Rates displayed are the lowest rates available for Tier 1 credit, including a discount for automatic payment from a Northrop Grumman Federal Credit Union checking or savings account.
Fixed; As Low As
As Low As
Published APR range: 4.99% - 17.65%. As low as
new
Published APR range: 4.99%-16.99%.
Published APR range: 4.99% - 16.99%.
As Low As; Final rate based on credit worthiness and term of the loan.
- Sep 25, 20264.99%▼ from 6.99%
- Sep 14, 20266.99%first recorded
Published APR range: 4.99% - 17.24%. Model Year: 2024 & Newer; Effective Date: Monday, October 12th, 2026
Model Year: 2022 & Older
Loan amount must be $35,000.00 or greater to qualify for 84-month term. As Low As; The rate you receive is based on your credit history, collateral, loan term, loan to value and direct deposit relationship. Rates and terms are subject to change without notice. Not all applicants will qualify for the lowest rate.
- Oct 5, 20265.10%▲ from 4.74%
- Oct 1, 20264.74%first recorded
New Auto loans (Min $20,000.00)
As low as
As Low As
All loans subject to credit approval. Actual rate received is based on your credit qualifications. Rates subject to change without notice. Minimum $10,001 on loans with a term of more than 48 months. Rates displayed are the lowest rates available for Tier 1 credit, including a discount for automatic payment from a Northrop Grumman Federal Credit Union checking or savings account.
Fixed; As Low As
lowest available
Published APR range: 5.24% - 17.74%. Model Year: 2020 - 2023; Effective Date: Monday, October 12th, 2026
As Low As; New Vehicle 2021 and Newer, 10,000 miles or less
As Low As
As Low As; Rates subject to change.
Used Auto loans (Min $15,000.00)
New Auto loans
- Sep 29, 20265.39%▲ from 4.99%
- Sep 14, 20264.99%first recorded
As Low As
As Low As; Rates subject to change.
As Low As; Rates apply to 2019 or newer models if conditions are met.
As Low As
As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.
- Sep 27, 20265.49%▲ from 5.39%
- Sep 18, 20265.39%first recorded
APR = Annual Percentage Rate. All loans subject to credit approval. Actual rate received is based on your credit qualifications. Rates subject to change without notice. Minimum $10,001 on loans with a term of more than 48 months. Rates displayed are the lowest rates available for Tier 1 credit, including a discount for automatic payment from a Northrop Grumman Federal Credit Union checking or savings account.
As Low As
Published APR range: 5.49% - 19.15%. As low as
Published APR range: 5.49% - 23.00%. Fixed
- Oct 10, 20265.49%▲ from 5.24%
- Sep 18, 20265.24%first recorded
Published APR range: 5.49%-16.99%.
Published APR range: 5.49% - 16.99%.
Published APR range: 5.49% - 17.74%. Model Year: 2024 & Newer; Effective Date: Monday, October 12th, 2026
Published APR range: 5.50% - 18.15%. As low as
As low as
As Low As; Max term: Up to 48 months
Used Auto Loans
- Sep 29, 20265.64%▲ from 5.24%
- Sep 14, 20265.24%first recorded
- Sep 29, 20265.64%▲ from 5.24%
- Sep 14, 20265.24%first recorded
As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.
- Sep 27, 20265.69%▲ from 5.59%
- Sep 18, 20265.59%first recorded
As Low As
- Oct 9, 20265.69%▲ from 5.54%
- Sep 18, 20265.54%first recorded
As Low As
As Low As; APR*
Model Years: 2023 - 2027; ($30,000 Minimum)
All loans subject to credit approval. Actual rate received is based on your credit qualifications. Rates subject to change without notice. Minimum $10,001 on loans with a term of more than 48 months. Rates displayed are the lowest rates available for Tier 1 credit, including a discount for automatic payment from a Northrop Grumman Federal Credit Union checking or savings account.
As low as
As low as
- Sep 29, 20265.89%▲ from 5.49%
- Sep 14, 20265.49%first recorded
As Low As
- Oct 9, 20265.94%▲ from 5.79%
- Sep 18, 20265.79%first recorded
As Low As; Rates apply to 2019 or newer models if conditions are met.
As Low As
Fixed; As Low As
As Low As
As Low As
As Low As; Rates subject to change.
Published APR range: 5.99%-7.49%. **
Published APR range: 5.99% - 7.49%.
As Low As; APR*
Published APR range: 5.99% - 17.74%. Model Year: 2024 & Newer; Effective Date: Monday, October 12th, 2026
Payment:; APR Type: Fixed
Payment:; APR Type: Fixed
Published APR range: 6.00% - 20.15%. As low as
Published APR range: 6.00% - 19.65%. As low as
Published APR range: 6.00% - 13.85%.
- Sep 29, 20266.00%▲ from 5.75%
- Sep 14, 20265.75%first recorded
Model Year: 2022 & Older; ($20,000 Minimum)
lowest available
over $20,000
As Low As; Model Year: 2025 + newer New + used
As Low As; Model Year: 2025 + newer New + used
As Low As; Model Year: 2025 + newer New + used
- Sep 29, 20266.14%▲ from 5.74%
- Sep 14, 20265.74%first recorded
- Sep 29, 20266.14%▲ from 5.74%
- Sep 14, 20265.74%first recorded
- Oct 2, 20266.24%▲ from 6.14%
- Sep 27, 20266.14%▲ from 6.04%
- Sep 18, 20266.04%▲ from 5.94%
- Sep 14, 20265.94%first recorded
For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term. Purchase of a new car would have a 6.24% APR for 60 months, monthly payment of $875.01 for $45,000 financing, down payment of $0
- Oct 2, 20266.24%▲ from 6.14%
- Sep 27, 20266.14%▲ from 6.04%
- Sep 18, 20266.04%▲ from 5.94%
- Sep 14, 20265.94%first recorded
As Low As
As Low As
- Oct 9, 20266.24%▲ from 6.09%
- Sep 18, 20266.09%first recorded
over $20,000
Published APR range: 6.24% - 14.10%.
- Sep 29, 20266.24%▲ from 5.99%
- Sep 18, 20265.99%first recorded
Published APR range: 6.24% - 12.73%.
- Sep 29, 20266.24%▲ from 5.99%
- Sep 18, 20265.99%first recorded
Published APR range: 6.24% - 17.99%. Model Year: 2020 - 2023; Effective Date: Monday, October 12th, 2026
Payment:; APR Type: Fixed
Payment:; APR Type: Fixed
Credit Score: 725+
- Oct 4, 20266.25%▼ from 11.25%
- Sep 25, 202611.25%▲ from 6.25%
- Sep 14, 20266.25%first recorded
As Low As; New Vehicle 2021 and Newer, 10,000 miles or less
- Oct 2, 20266.29%▲ from 6.19%
- Sep 27, 20266.19%▲ from 6.09%
- Sep 18, 20266.09%▲ from 5.99%
- Sep 14, 20265.99%first recorded
For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term. Purchase of a used 2022 year car would have a 6.29% APR for 60 months, monthly payment of $584.04 for $30,000 financing, down payment of $0
- Oct 2, 20266.29%▲ from 6.19%
- Sep 27, 20266.19%▲ from 6.09%
- Sep 18, 20266.09%▲ from 5.99%
- Sep 14, 20265.99%first recorded
As low as
As low as
2016 - 2026
As Low As; Model Year: 2024 + older Used
As Low As; Model Year: 2024 + older Used
As Low As; Model Year: 2024 + older Used
As low as
2018 - 2026
- Sep 29, 20266.39%▲ from 5.99%
- Sep 14, 20265.99%first recorded
- Sep 29, 20266.39%▲ from 5.99%
- Sep 14, 20265.99%first recorded
- Sep 29, 20266.39%▲ from 5.99%
- Sep 14, 20265.99%first recorded
lowest available
As low as
2022 - 2026
As Low As
Published APR range: 6.49% - 17.99%. Model Year: 2020 - 2023; Effective Date: Monday, October 12th, 2026
As Low As; New Vehicle 2021 and Newer, 10,000 miles or less; Amount: Up to $25,000
As Low As; Max term: Up to 60 months
As low as
2023 - 2026
As Low As; Model Year: 2025 + newer New + used
As Low As; Fixed Rates:
- Sep 29, 20266.64%▲ from 6.24%
- Sep 14, 20266.24%first recorded
over $20,000
As Low As
over $25,000
Credit Score: 725+
As Low As; New Vehicle 2021 and Newer, 10,000 miles or less; Amount: Greater than $30,000
As Low As; Amount: Up to $25,000; Max term: Up to 72 months
- Sep 29, 20266.89%▲ from 6.49%
- Sep 14, 20266.49%first recorded
As Low As; Model Year: 2024 + older Used
As Low As
As Low As; Rates subject to change.
As Low As
Same rate across credit score tiers 725+ to 559 & under
Published APR range: 7.00% - 20.65%. As low as
As Low As; Amount: Greater than $30,000; Max term: Up to 84 months
Published APR range: 7.24% - 17.99%. Model Year: 2020 - 2023; Effective Date: Monday, October 12th, 2026
As Low As; Rates apply to 2015 or newer models if conditions are met.
Credit Score: 725+
As Low As; Model Year: 2025 + newer New + used
All loans subject to credit and collateral approval. Rates subject to change without notice. Rates displayed are the lowest rates available for Tier 1 credit, including a discount for automatic payment from a Northrop Grumman Federal Credit Union checking or savings account.
As Low As
Star Valley New Auto Auto Loan Rates
Rates Effective September 18, 2026.
As Low As
As Low As; Rates subject to change.
Published APR range: 3.94% - 14.00%. 100% Financing**
New & Used Automobiles; New Automobile (2025 & newer)
Published APR range: 3.99%-16.99%.
Published APR range: 3.99% - 16.99%.
Rates Effective September 18, 2026.
As low as
Published APR range: 4.19% - 15.00%.
APR = Annual Percentage Rate. All loans subject to credit approval. Actual rate received is based on your credit qualifications. Rates subject to change without notice. Minimum $10,001 on loans with a term of more than 48 months. Rates displayed are the lowest rates available for Tier 1 credit, including a discount for automatic payment from a Northrop Grumman Federal Credit Union checking or savings account.
As Low As
As Low As; Rates subject to change.
As Low As; Rates apply to 2019 or newer models if conditions are met.
Published APR range: 4.44% - 15.20%.
As Low As; Rate assumes loan to value of 100% or less and term of 60 months or less. Not all borrowers will qualify for the lowest interest rate.
Published APR range: 4.49% - 16.99%. Model Year: 2024 & Newer; Effective Date: Monday, October 12th, 2026
As Low As; Final rate based on credit worthiness and term of the loan.
- Sep 25, 20264.50%▼ from 4.59%
- Sep 14, 20264.59%first recorded
APR = Annual Percentage Rate. All loans subject to credit approval. Actual rate received is based on your credit qualifications. Rates subject to change without notice. Minimum $10,001 on loans with a term of more than 48 months. Rates displayed are the lowest rates available for Tier 1 credit, including a discount for automatic payment from a Northrop Grumman Federal Credit Union checking or savings account.
As Low As
As Low As; Rates subject to change.
Loan amount must be $35,000.00 or greater to qualify for 84-month term. As Low As; The rate you receive is based on your credit history, collateral, loan term, loan to value and direct deposit relationship. Rates and terms are subject to change without notice. Not all applicants will qualify for the lowest rate.
- Oct 5, 20264.60%▲ from 4.34%
- Oct 1, 20264.34%first recorded
Published APR range: 4.69% - 15.65%.
APR = Annual Percentage Rate. All loans subject to credit approval. Actual rate received is based on your credit qualifications. Rates subject to change without notice. Minimum $10,001 on loans with a term of more than 48 months. Rates displayed are the lowest rates available for Tier 1 credit, including a discount for automatic payment from a Northrop Grumman Federal Credit Union checking or savings account.
As Low As; Rates apply to 2019 or newer models if conditions are met.
APR = Annual Percentage Rate. All loans subject to credit approval. Actual rate received is based on your credit qualifications. Rates subject to change without notice. Minimum $10,001 on loans with a term of more than 48 months. Rates displayed are the lowest rates available for Tier 1 credit, including a discount for automatic payment from a Northrop Grumman Federal Credit Union checking or savings account.
Payment:; APR Type: Fixed
Payment:; APR Type: Fixed
Payment:; APR Type: Fixed
Payment:; APR Type: Fixed
Payment:; APR Type: Fixed
Published APR range: 4.99% - 17.65%. As low as
Published APR range: 4.99%-16.99%.
Published APR range: 4.99% - 16.99%.
Published APR range: 4.99% - 17.24%. Model Year: 2024 & Newer; Effective Date: Monday, October 12th, 2026
New Auto loans (Min $20,000.00)
lowest available
Published APR range: 5.24% - 17.74%. Model Year: 2020 - 2023; Effective Date: Monday, October 12th, 2026
As Low As; New Vehicle 2021 and Newer, 10,000 miles or less
New Auto loans
- Sep 29, 20265.39%▲ from 4.99%
- Sep 14, 20264.99%first recorded
As Low As; Rates apply to 2019 or newer models if conditions are met.
As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.
- Sep 27, 20265.49%▲ from 5.39%
- Sep 18, 20265.39%first recorded
APR = Annual Percentage Rate. All loans subject to credit approval. Actual rate received is based on your credit qualifications. Rates subject to change without notice. Minimum $10,001 on loans with a term of more than 48 months. Rates displayed are the lowest rates available for Tier 1 credit, including a discount for automatic payment from a Northrop Grumman Federal Credit Union checking or savings account.
Published APR range: 5.49%-16.99%.
Published APR range: 5.49% - 16.99%.
Published APR range: 5.49% - 17.74%. Model Year: 2024 & Newer; Effective Date: Monday, October 12th, 2026
Published APR range: 5.50% - 18.15%. As low as
As Low As; Max term: Up to 48 months
- Sep 29, 20265.64%▲ from 5.24%
- Sep 14, 20265.24%first recorded
As Low As; APR*
As low as
As low as
As Low As; Rates apply to 2019 or newer models if conditions are met.
As Low As
As Low As
As Low As; Rates subject to change.
Published APR range: 5.99%-7.49%. **
Published APR range: 5.99% - 7.49%.
As Low As; APR*
Published APR range: 5.99% - 17.74%. Model Year: 2024 & Newer; Effective Date: Monday, October 12th, 2026
Published APR range: 6.00% - 20.15%. As low as
Published APR range: 6.00% - 13.85%.
- Sep 29, 20266.00%▲ from 5.75%
- Sep 14, 20265.75%first recorded
lowest available
over $20,000
As Low As; Model Year: 2025 + newer New + used
As Low As; Model Year: 2025 + newer New + used
As Low As; Model Year: 2025 + newer New + used
- Sep 29, 20266.14%▲ from 5.74%
- Sep 14, 20265.74%first recorded
- Oct 2, 20266.24%▲ from 6.14%
- Sep 27, 20266.14%▲ from 6.04%
- Sep 18, 20266.04%▲ from 5.94%
- Sep 14, 20265.94%first recorded
For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term. Purchase of a new car would have a 6.24% APR for 60 months, monthly payment of $875.01 for $45,000 financing, down payment of $0
- Oct 2, 20266.24%▲ from 6.14%
- Sep 27, 20266.14%▲ from 6.04%
- Sep 18, 20266.04%▲ from 5.94%
- Sep 14, 20265.94%first recorded
As Low As
over $20,000
Published APR range: 6.24% - 14.10%.
- Sep 29, 20266.24%▲ from 5.99%
- Sep 18, 20265.99%first recorded
Published APR range: 6.24% - 12.73%.
- Sep 29, 20266.24%▲ from 5.99%
- Sep 18, 20265.99%first recorded
Published APR range: 6.24% - 17.99%. Model Year: 2020 - 2023; Effective Date: Monday, October 12th, 2026
Credit Score: 725+
- Oct 4, 20266.25%▼ from 11.25%
- Sep 25, 202611.25%▲ from 6.25%
- Sep 14, 20266.25%first recorded
As Low As; New Vehicle 2021 and Newer, 10,000 miles or less
As low as
As low as
- Sep 29, 20266.39%▲ from 5.99%
- Sep 14, 20265.99%first recorded
lowest available
As low as
Published APR range: 6.49% - 17.99%. Model Year: 2020 - 2023; Effective Date: Monday, October 12th, 2026
As Low As; New Vehicle 2021 and Newer, 10,000 miles or less; Amount: Up to $25,000
As Low As; Max term: Up to 60 months
As low as
As Low As; Model Year: 2025 + newer New + used
As Low As
over $25,000
Credit Score: 725+
As Low As; New Vehicle 2021 and Newer, 10,000 miles or less; Amount: Greater than $30,000
As Low As; Amount: Up to $25,000; Max term: Up to 72 months
As Low As; Amount: Greater than $30,000; Max term: Up to 84 months
Published APR range: 7.24% - 17.99%. Model Year: 2020 - 2023; Effective Date: Monday, October 12th, 2026
As Low As; Model Year: 2025 + newer New + used
As Low As
Star Valley Used Auto Auto Loan Rates
Rates Effective September 18, 2026.
Published APR range: 3.99%-16.99%.
Published APR range: 3.99% - 16.99%.
Published APR range: 4.19% - 14.25%. 100% Financing**
All loans subject to credit approval. Actual rate received is based on your credit qualifications. Rates subject to change without notice. Minimum $10,001 on loans with a term of more than 48 months. Rates displayed are the lowest rates available for Tier 1 credit, including a discount for automatic payment from a Northrop Grumman Federal Credit Union checking or savings account.
As Low As; Rates apply to 2019 or newer models if conditions are met.
Published APR range: 4.44% - 15.25%.
New & Used Automobiles; Used Automobile (2017 & newer)
Published APR range: 4.49% - 16.99%. Model Year: 2024 & Newer; Effective Date: Monday, October 12th, 2026
Rates Effective September 18, 2026.
Published APR range: 4.69% - 15.45%.
As Low As; Rates apply to 2019 or newer models if conditions are met.
As Low As
As Low As; Rates subject to change.
Published APR range: 4.94% - 15.90%.
All loans subject to credit approval. Actual rate received is based on your credit qualifications. Rates subject to change without notice. Minimum $10,001 on loans with a term of more than 48 months. Rates displayed are the lowest rates available for Tier 1 credit, including a discount for automatic payment from a Northrop Grumman Federal Credit Union checking or savings account.
All loans subject to credit approval. Actual rate received is based on your credit qualifications. Rates subject to change without notice. Minimum $10,001 on loans with a term of more than 48 months. Rates displayed are the lowest rates available for Tier 1 credit, including a discount for automatic payment from a Northrop Grumman Federal Credit Union checking or savings account.
Published APR range: 4.99%-16.99%.
Published APR range: 4.99% - 16.99%.
As Low As; Final rate based on credit worthiness and term of the loan.
- Sep 25, 20264.99%▼ from 6.99%
- Sep 14, 20266.99%first recorded
Published APR range: 4.99% - 17.24%. Model Year: 2024 & Newer; Effective Date: Monday, October 12th, 2026
Loan amount must be $35,000.00 or greater to qualify for 84-month term. As Low As; The rate you receive is based on your credit history, collateral, loan term, loan to value and direct deposit relationship. Rates and terms are subject to change without notice. Not all applicants will qualify for the lowest rate.
- Oct 5, 20265.10%▲ from 4.74%
- Oct 1, 20264.74%first recorded
As low as
All loans subject to credit approval. Actual rate received is based on your credit qualifications. Rates subject to change without notice. Minimum $10,001 on loans with a term of more than 48 months. Rates displayed are the lowest rates available for Tier 1 credit, including a discount for automatic payment from a Northrop Grumman Federal Credit Union checking or savings account.
Published APR range: 5.24% - 17.74%. Model Year: 2020 - 2023; Effective Date: Monday, October 12th, 2026
As Low As
As Low As; Rates subject to change.
Used Auto loans (Min $15,000.00)
As Low As
As Low As; Rates subject to change.
As Low As; Rates apply to 2019 or newer models if conditions are met.
Published APR range: 5.49% - 19.15%. As low as
Published APR range: 5.49%-16.99%.
Published APR range: 5.49% - 16.99%.
Published APR range: 5.49% - 17.74%. Model Year: 2024 & Newer; Effective Date: Monday, October 12th, 2026
As Low As; Max term: Up to 48 months
Used Auto Loans
- Sep 29, 20265.64%▲ from 5.24%
- Sep 14, 20265.24%first recorded
As low as; Rates displayed do not include the additional BofA RewardsTM interest rate discount up to 0.50%.
- Sep 27, 20265.69%▲ from 5.59%
- Sep 18, 20265.59%first recorded
As Low As; APR*
All loans subject to credit approval. Actual rate received is based on your credit qualifications. Rates subject to change without notice. Minimum $10,001 on loans with a term of more than 48 months. Rates displayed are the lowest rates available for Tier 1 credit, including a discount for automatic payment from a Northrop Grumman Federal Credit Union checking or savings account.
- Sep 29, 20265.89%▲ from 5.49%
- Sep 14, 20265.49%first recorded
As Low As; Rates apply to 2019 or newer models if conditions are met.
Published APR range: 5.99%-7.49%. **
Published APR range: 5.99% - 7.49%.
As Low As; APR*
Published APR range: 5.99% - 17.74%. Model Year: 2024 & Newer; Effective Date: Monday, October 12th, 2026
Published APR range: 6.00% - 19.65%. As low as
Published APR range: 6.00% - 13.85%.
- Sep 29, 20266.00%▲ from 5.75%
- Sep 14, 20265.75%first recorded
As Low As; Model Year: 2025 + newer New + used
As Low As; Model Year: 2025 + newer New + used
As Low As; Model Year: 2025 + newer New + used
- Sep 29, 20266.14%▲ from 5.74%
- Sep 14, 20265.74%first recorded
Published APR range: 6.24% - 14.10%.
- Sep 29, 20266.24%▲ from 5.99%
- Sep 18, 20265.99%first recorded
Published APR range: 6.24% - 12.73%.
- Sep 29, 20266.24%▲ from 5.99%
- Sep 18, 20265.99%first recorded
Published APR range: 6.24% - 17.99%. Model Year: 2020 - 2023; Effective Date: Monday, October 12th, 2026
- Oct 2, 20266.29%▲ from 6.19%
- Sep 27, 20266.19%▲ from 6.09%
- Sep 18, 20266.09%▲ from 5.99%
- Sep 14, 20265.99%first recorded
For customers with excellent credit who apply online. Your rate may vary based on credit history, vehicle, financing amount and term. Purchase of a used 2022 year car would have a 6.29% APR for 60 months, monthly payment of $584.04 for $30,000 financing, down payment of $0
- Oct 2, 20266.29%▲ from 6.19%
- Sep 27, 20266.19%▲ from 6.09%
- Sep 18, 20266.09%▲ from 5.99%
- Sep 14, 20265.99%first recorded
As low as
2016 - 2026
As Low As; Model Year: 2024 + older Used
As Low As; Model Year: 2024 + older Used
As Low As; Model Year: 2024 + older Used
2018 - 2026
- Sep 29, 20266.39%▲ from 5.99%
- Sep 14, 20265.99%first recorded
- Sep 29, 20266.39%▲ from 5.99%
- Sep 14, 20265.99%first recorded
2022 - 2026
Published APR range: 6.49% - 17.99%. Model Year: 2020 - 2023; Effective Date: Monday, October 12th, 2026
As Low As; Max term: Up to 60 months
2023 - 2026
As Low As; Model Year: 2025 + newer New + used
As Low As; Fixed Rates:
- Sep 29, 20266.64%▲ from 6.24%
- Sep 14, 20266.24%first recorded
over $20,000
As Low As; Amount: Up to $25,000; Max term: Up to 72 months
- Sep 29, 20266.89%▲ from 6.49%
- Sep 14, 20266.49%first recorded
As Low As; Model Year: 2024 + older Used
As Low As
As Low As; Rates subject to change.
Published APR range: 7.00% - 20.65%. As low as
As Low As; Amount: Greater than $30,000; Max term: Up to 84 months
Published APR range: 7.24% - 17.99%. Model Year: 2020 - 2023; Effective Date: Monday, October 12th, 2026
Credit Score: 725+
As Low As; Model Year: 2025 + newer New + used
Star Valley, AZ Auto Loan Rate Trends
Compare local Star Valley, 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 0.016 points over the past 7 days to 5.279% APR.
Arizona used auto rates fell 0.041 points over the past 7 days to 5.715% APR.
Star Valley, 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 @ 5.28% APR AZ average | Used Auto @ 5.71% APR AZ average | Monthly Difference |
|---|---|---|---|
| $15,000 | $284.99/mo | $288.01/mo | $3.02/mo |
| $25,000 | $474.98/mo | $480.01/mo | $5.03/mo |
| $35,000 | $664.97/mo | $672.02/mo | $7.04/mo |
| $45,000 | $854.97/mo | $864.02/mo | $9.06/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 Star Valley, Arizona
Get Preapproved Before You Shop
A preapproval from a bank or credit union serving Star Valley, 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 Star Valley, 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: Star Valley, Arizona CD rates lock in a guaranteed return until you’re ready to buy
Star Valley, Arizona Financial Snapshot
Local demographics and economic context for car buyers. Source: U.S. Census Bureau
A $570 monthly car payment works out to roughly 16.9% of the median individual income in Star Valley, Arizona. Most budgeting guidelines suggest keeping total vehicle costs (payment, insurance, fuel, and maintenance) under 15 to 20% of take-home pay.
Auto Financing Options Compared
An auto loan isn’t the only way to finance a vehicle in Star Valley, Arizona, but for most borrowers it’s the cheapest. Here’s how the main options stack up.
| Feature | Credit Union Auto Loan | Bank Auto Loan | Dealer Financing | Personal Loan |
|---|---|---|---|---|
| Typical APR Level | ✓ Often lowest | ✓ Competitive | ● Varies, can be marked up | ✗ Highest (unsecured) |
| Rate Locked Before You Shop | ✓ Yes, via preapproval | ✓ Yes, via preapproval | ✗ Arranged at the dealership | ✓ Yes |
| Membership / Relationship Required | ● Membership (usually easy) | ✗ No | ✗ No | ✗ No |
| Works for Private-Party Sales | ✓ Usually | ● Sometimes | ✗ No | ✓ Yes |
| Convenience at Purchase | ● Preapproval step first | ● Preapproval step first | ✓ One-stop at the dealer | ● Funds in 1 to 3 days |
| Best For | Lowest total cost of borrowing | Existing bank customers & rate discounts | Manufacturer 0% promos on new cars | Older vehicles lenders won’t finance |
General comparison for educational purposes. Manufacturer promotional financing (0 to 2.9% APR offers) through dealers can beat any bank or credit union rate when you qualify. Always compare the promo against a cash rebate plus outside financing.
Auto Loan Payment Calculator
Estimate your monthly payment on a new or used vehicle in Star Valley, 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 Star Valley, 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 Star Valley, 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 Star Valley, Arizona. We feature a comprehensive mix of lenders, from neighborhood credit unions and competitive regional banks to large national auto lenders available to borrowers in AZ.
Regularly Updated APRs: Our rate updaters verify and update auto loan rates regularly. Because APRs can change based on market conditions and lender policies, every product features its own “last updated” date for full transparency. Auto loan APRs shown typically represent the lowest available rate for borrowers with excellent credit; your actual rate will depend on your credit history, credit score, income, loan term, vehicle age, and other underwriting factors.
Bad Credit Auto Loans in Star Valley, Arizona
You can get a car loan with bad credit, but your credit score moves the APR more than almost anything else. Lenders sort borrowers into tiers, and the average used car loan for a subprime borrower costs more than twice what a prime borrower pays. On a $25,000 used car loan over 60 months, that gap adds up to about $8,000 in extra interest.
| Credit Tier | Score Range | New Car APR | Used Car APR | $25,000 Used, 60 Mo. |
|---|---|---|---|---|
| Super prime | 781 to 850 | 4.41% | 6.29% | $487/mo |
| Prime | 661 to 780 | 6.15% | 8.81% | $517/mo |
| Near prime | 601 to 660 | 9.71% | 13.93% | $581/mo |
| Subprime | 501 to 600 | 13.52% | 19.10% | $650/mo |
| Deep subprime | 300 to 500 | 16.11% | 21.62% | $685/mo |
Average APRs from Experian, State of the Automotive Finance Market, Q2 2026 (VantageScore 4.0). Payment is principal and interest only.
Get Preapproved Before the Dealer
A preapproval from a bank or credit union gives you a real rate to compare. Dealers can add a markup to the rate a lender approves, and bad credit car buyers are the easiest to overcharge.
Start With a Credit Union
Federal credit unions cannot charge more than 18% APR on most loans through September 10, 2027, and many will look past your score at your income and history with them.
Put More Money Down
A larger down payment lowers the lender's risk and keeps you from owing more than the car is worth. Even 10% to 20% down can move a borderline application to an approval.
Keep the Term Short
A 72 or 84 month loan lowers the payment but stacks interest on top of an already high APR. Choose a less expensive car before you choose a longer term.
Add a Cosigner
A cosigner with strong credit can get you a prime rate. They are fully responsible for the loan if you miss payments, so only ask someone who understands that.
Be Careful With Buy Here Pay Here
These lots approve almost anyone, but often at the highest legal rates and on older cars. Many do not report on time payments to the credit bureaus, so the loan may not help rebuild your score.
Frequently Asked Questions about Auto Loans in Star Valley, 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 Star Valley, Arizona?
Why are used car loan rates higher than new car rates?
Can I refinance my auto loan if rates drop or my credit improves?
Can I get an auto loan with bad credit in Star Valley, Arizona?
What is the average car loan rate for bad credit?
What are the best Auto Loan rates in Star Valley, Arizona?
- American Airlines Federal Credit Union: 3.34% (New Auto)
- Navy Federal Credit Union: 3.89% (New Auto Loan)
- Southwest Airlines Federal Credit Union: 3.94% (New Auto)
- Florida West Coast Credit Union: 3.99% (New Automobile)
- Arrowhead Central Credit Union: 3.99% (New & Used Autos)
Star Valley, Arizona Rates & Resources
