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Auto Loan Rates in Surprise, Arizona (AZ) for March 2026

Content reviewed by
Brian McKay Brian McKay
Brian McKay

Brian McKay

Founder & Data Architect
Expertise
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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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| i Editorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of local and national lenders actively lending to borrowers in Surprise, Arizona. Your final approved rate will depend on your credit profile, loan term, and vehicle age.
| ✓Fact Checked | Auto Loan Rates — Last Updated and Verified: March 24, 2026

Current auto loan rates in Surprise, Arizona include First National Bank TexasFirst National Bank Texas14111 N Prasada Gateway Ave, Surprise, AZ, 85388F1.0 ★Texas Ratio: 63.89% offering Auto Loan at 4.43%, Credit Union West Credit UnionCredit Union West Credit Union16765 N Litchfield Rd, Surprise, AZ, 85374A+5.0 ★Texas Ratio: 3.00% offering Auto Loans at 4.99%, Arrowhead Central Credit UnionArrowhead Central Credit Union4747 S Highway 95, Fort Mohave, AZ, 86426 9377A+5.0 ★Texas Ratio: 2.28% offering New & Used Autos at 3.99%, Firefighters First Federal Credit UnionFirefighters First Federal Credit Union2151 E Broadway Rd, Tempe, AZ, 85282 1893A+5.0 ★Texas Ratio: 1.58% offering New & Used Autos at 4.49%, 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%. Auto loan rates as of March 24, 2026 according to verified data from MonitorBankRates.

Auto loan rates in Surprise, 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 Surprise, Arizona. Auto Loan Rates Last Updated and Verified: March 24, 2026

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

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
First National Bank Texas
Institution Rating:
F1.0 ★ Texas Ratio: 63.89%
14111 N Prasada Gateway Ave, Surprise, AZ, 85388
Auto Loan
4.43%
66 Months
View
▼
APR4.43%
Term66 Months
Last UpdatedMar 24, 2026
Details

Offer excludes refinancing of existing First National Bank Texas, First Convenience Bank, and First Heroes National Bank loans.

Credit Union West Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.00%
16765 N Litchfield Rd, Surprise, AZ, 85374
Auto Loans
4.99%
Up to 96 Months
View
▼
APR4.99%
TermUp to 96 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
New & Used Autos
3.99%
36 Months
View
▼
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
View
▼
APR4.49%
Term24 Months
Last UpdatedMar 18, 2026
Details

As Low As

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
View
▼
APR4.60%
Term84 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
New Auto
4.74%
Up to 60 months
View
▼
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
View
▼
APR4.74%
Term48 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
4.89%
84 Months
View
▼
APR4.89%
Term84 Months
Last UpdatedMar 24, 2026
Details

2025-2026 models with less than 7,500 miles.

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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
APR4.99%
TermUp to 60 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
View
▼
APR4.99%
Term36 months
Last UpdatedMar 18, 2026
Details

Direct Deposit APR

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
View
▼
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
Used Cars
5.09%
84 Months
View
▼
APR5.09%
Term84 Months
Last UpdatedMar 24, 2026
Details

2017-2025 models.

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
View
▼
APR5.10%
Term72 Months
Last UpdatedMar 20, 2026
Details

As Low As

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
View
▼
APR5.19%
Term84 Months
Last UpdatedMar 24, 2026
Details

As Low As

America First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.12%
6846 E Warner Rd, Mesa, AZ, 85212 2138
Auto Loan
5.24%
6 Years
View
▼
APR5.24%
Term6 Years
Last 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
View
▼
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
View
▼
APR5.24%
TermUp to 72 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)
5.24%
48 months
View
▼
APR5.24%
Term48 months
Last UpdatedMar 18, 2026
Details

Direct Deposit APR

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
View
▼
APR5.24%
Term72 Months
Last UpdatedMar 18, 2026
Details

As Low As

First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.50%
475 N Gila Springs Blvd, Chandler, AZ, 85226
Auto Loan Refinance
5.24%
63 Months
View
▼
APR5.24%
Term63 Months
Last UpdatedMar 23, 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
5.29%
36 Months
View
▼
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
View
▼
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
View
▼
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
View
▼
APR5.39%
Term48 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
5.39%
Up to 84 months
View
▼
APR5.39%
TermUp to 84 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
View
▼
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
View
▼
APR5.44%
Term60 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
5.44%
48 Months
View
▼
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.

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
View
▼
APR5.44%
Term84 Months
Last UpdatedMar 24, 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
View
▼
APR5.49%
Term72 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
5.49%
0-60
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
APR5.49%
Term60 months
Last UpdatedMar 18, 2026
Details

Direct Deposit APR

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
View
▼
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
View
▼
APR5.49%
Term48 Months
Last UpdatedMar 21, 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 2023 & NEWER Vehicle Loan
5.49%
63 Months
View
▼
APR5.49%
Term63 Months
Last UpdatedMar 21, 2026
Details

As Low As; Up to 63 Months

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
View
▼
APR5.49%
Term84 Months
Last UpdatedMar 24, 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
View
▼
APR5.49%
Term3-7 year
Last UpdatedMar 24, 2026
Details

As Low As

Alhambra Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.81%
13331 W Indian School Rd Ste 205, Litchfield Park, AZ, 85340
New Vehicle
5.50%
60 Months
View
▼
APR5.50%
Term60 Months
Last UpdatedMar 17, 2026
Details

As Low As

Vantage West Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.58%
2222 S Craycroft Rd, Tucson, AZ, 85711 6626
Auto Loan 48 Months
5.55%
48 Months
View
▼
APR5.55%
Term48 Months
Last UpdatedMar 24, 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
5.64%
Up to 84 months
View
▼
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
View
▼
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.

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
View
▼
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
View
▼
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
View
▼
APR5.74%
Term72 months
Last UpdatedMar 18, 2026
Details

Direct Deposit APR

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
View
▼
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
View
▼
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
View
▼
APR5.74%
Term60 Months
Last UpdatedMar 21, 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 Vehicles2
5.74%
Up to 2 years
View
▼
APR5.74%
TermUp to 2 years
Last UpdatedMar 22, 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
View
▼
APR5.74%
Term84 Months
Last UpdatedMar 24, 2026
Details

As Low As

Vantage West Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 6.58%
2222 S Craycroft Rd, Tucson, AZ, 85711 6626
Auto Loan 60 Months
5.80%
60 Months
View
▼
APR5.80%
Term60 Months
Last UpdatedMar 24, 2026
Details

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
View
▼
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
View
▼
APR5.90%
Term36 Months
Last UpdatedMar 20, 2026
Details

Alhambra Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.81%
13331 W Indian School Rd Ste 205, Litchfield Park, AZ, 85340
Used Vehicle
5.99%
60 Months
View
▼
APR5.99%
Term60 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
5.99%
7 Years
View
▼
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
View
▼
APR5.99%
Term84 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)
5.99%
36 months
View
▼
APR5.99%
Term36 months
Last UpdatedMar 18, 2026
Details

Standard APR

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
View
▼
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
View
▼
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
View
▼
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
View
▼
APR5.99%
Term72 Months
Last UpdatedMar 21, 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 2023 & NEWER Vehicle Loan
5.99%
75 Months
View
▼
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%
13331 W Indian School Rd Ste 205, Litchfield Park, AZ, 85340
New Vehicle
6.00%
72 Months
View
▼
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
View
▼
APR6.00%
Termup to 48
Last UpdatedMar 20, 2026
Details

Credit Score 725+

First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.50%
475 N Gila Springs Blvd, Chandler, AZ, 85226
Auto Loan Refinance
6.04%
75 Months
View
▼
APR6.04%
Term75 Months
Last UpdatedMar 23, 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
6.14%
63 Months
View
▼
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%
2222 S Craycroft Rd, Tucson, AZ, 85711 6626
Auto Loan 72 Months
6.15%
72 Months
View
▼
APR6.15%
Term72 Months
Last UpdatedMar 24, 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
View
▼
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
View
▼
APR6.25%
Term49 - 64
Last UpdatedMar 20, 2026
Details

Credit Score 725+

First Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.50%
475 N Gila Springs Blvd, Chandler, AZ, 85226
Auto Loan Refinance
6.39%
84 Months
View
▼
APR6.39%
Term84 Months
Last UpdatedMar 23, 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 2019 and Older Vehicle Loan
6.44%
63 Months
View
▼
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%
2222 S Craycroft Rd, Tucson, AZ, 85711 6626
Auto Loan 84 Months
6.45%
84 Months
View
▼
APR6.45%
Term84 Months
Last UpdatedMar 24, 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
View
▼
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
View
▼
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
View
▼
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
View
▼
APR6.49%
Term60 months
Last UpdatedMar 18, 2026
Details

Standard APR

Alhambra Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.81%
13331 W Indian School Rd Ste 205, Litchfield Park, AZ, 85340
New Vehicle
6.50%
84 Months
View
▼
APR6.50%
Term84 Months
Last UpdatedMar 17, 2026
Details

As Low As

Alhambra Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.81%
13331 W Indian School Rd Ste 205, Litchfield Park, AZ, 85340
Used Vehicle
6.50%
72 Months
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
APR6.75%
Term24 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
6.90%
84 Months
View
▼
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
View
▼
APR6.90%
Term72 Months
Last UpdatedMar 20, 2026
Details

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
View
▼
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
View
▼
APR6.99%
Term84 Months
Last UpdatedMar 21, 2026
Details

As Low As; Up to 84 Months

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
View
▼
APR6.99%
Term3-7 year
Last UpdatedMar 24, 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
7.00%
36 Months
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
APR7.49%
Term0-60
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
7.49%
84 Months
View
▼
APR7.49%
Term84 Months
Last UpdatedMar 18, 2026
Details

Alhambra Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.81%
13331 W Indian School Rd Ste 205, Litchfield Park, AZ, 85340
Used Vehicle
7.50%
84 Months
View
▼
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
View
▼
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
View
▼
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
View
▼
APR7.50%
Termup to 48
Last UpdatedMar 20, 2026
Details

Credit Score 680-724

America First Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 8.12%
6846 E Warner Rd, Mesa, AZ, 85212 2138
Auto Loan - (Minimum Loan Amount of Required)
7.74%
8 Years
View
▼
APR7.74%
Term8 Years
Last UpdatedMar 17, 2026
Details

$30,000; As Low As; Fixed

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
View
▼
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
View
▼
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
View
▼
APR7.75%
Term49 - 64
Last UpdatedMar 20, 2026
Details

Credit Score 680-724

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
View
▼
APR7.90%
Term84 Months
Last UpdatedMar 20, 2026
Details

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
View
▼
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
View
▼
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
View
▼
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
View
▼
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.

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
View
▼
APR8.10%
Term60 Months
Last UpdatedMar 20, 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
8.24%
61-72
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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.

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
View
▼
APR8.49%
Term180 Months
Last UpdatedMar 18, 2026
Details

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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
APR8.99%
Term73-84
Last UpdatedMar 18, 2026
Details

As Low As; 2016-2020

UNIFY Financial Federal Credit Union
Institution Rating:
B4.4 ★ Texas Ratio: 21.76%
111 W Rio Salado Pkwy, Tempe, AZ, 85281
Classic Vehicle Loans2
8.99%
Up to 4 years
View
▼
APR8.99%
TermUp to 4 years
Last UpdatedMar 22, 2026
Details

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
View
▼
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
View
▼
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
View
▼
APR9.75%
Term65 - 84
Last UpdatedMar 20, 2026
Details

Credit Score 640-679

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
View
▼
APR9.95%
Term72 Months
Last UpdatedMar 20, 2026
Details

Fixed Rate (Up to 72 Months)

Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.70%
5000 E McDowell Rd, Mesa, AZ, 85215 9707
New Cars
10.14%
84 Months
View
▼
APR10.14%
Term84 Months
Last UpdatedMar 24, 2026
Details

2025-2026 models with less than 7,500 miles.

Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.70%
5000 E McDowell Rd, Mesa, AZ, 85215 9707
Used Cars
10.34%
84 Months
View
▼
APR10.34%
Term84 Months
Last UpdatedMar 24, 2026
Details

2017-2025 models.

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
View
▼
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
View
▼
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
View
▼
APR10.99%
Term72 Months
Last UpdatedMar 17, 2026
Details

Dependent on amount financed

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
View
▼
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
View
▼
APR11.25%
Term49 - 64
Last UpdatedMar 20, 2026
Details

Credit Score 600-639

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
View
▼
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
View
▼
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
View
▼
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
View
▼
APR11.64%
TermUp to 84 months
Last UpdatedMar 18, 2026
Details

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
View
▼
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
View
▼
APR12.00%
Termup to 48
Last UpdatedMar 20, 2026
Details

Credit Score 560-599

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
View
▼
APR12.49%
Term180 Months
Last UpdatedMar 18, 2026
Details

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
View
▼
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
View
▼
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
View
▼
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
View
▼
APR13.25%
Term49 - 64
Last UpdatedMar 20, 2026
Details

Credit Score 559 & Under

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
View
▼
APR13.74%
TermUp to 60 months
Last UpdatedMar 18, 2026
Details

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
View
▼
APR13.75%
Term65 - 84
Last UpdatedMar 20, 2026
Details

Credit Score 559 & Under

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
View
▼
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
View
▼
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
View
▼
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
View
▼
APR15.50%
Term84 Months
Last UpdatedMar 18, 2026
Details

As Low As

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
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
View
▼
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
View
▼
APR4.49%
Term24 Months
Last UpdatedMar 18, 2026
Details

As Low As

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
View
▼
APR4.60%
Term84 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
New Auto
4.74%
Up to 60 months
View
▼
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
View
▼
APR4.74%
Term48 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
4.89%
84 Months
View
▼
APR4.89%
Term84 Months
Last UpdatedMar 24, 2026
Details

2025-2026 models with less than 7,500 miles.

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
View
▼
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
View
▼
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
View
▼
APR4.99%
TermUp to 72 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
View
▼
APR4.99%
Term36 months
Last UpdatedMar 18, 2026
Details

Direct Deposit APR

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
View
▼
APR5.00%
Term84 Months
Last UpdatedMar 18, 2026
Details

As Low As

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
View
▼
APR5.10%
Term72 Months
Last UpdatedMar 20, 2026
Details

As Low As

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
View
▼
APR5.19%
Term84 Months
Last UpdatedMar 24, 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
View
▼
APR5.24%
Term48 months
Last UpdatedMar 18, 2026
Details

Direct Deposit APR

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
View
▼
APR5.24%
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
New Auto Loan
5.29%
36 Months
View
▼
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
View
▼
APR5.39%
Term48 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
View
▼
APR5.39%
TermUp to 84 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
View
▼
APR5.44%
Term60 Months
Last UpdatedMar 18, 2026
Details

As Low As

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
View
▼
APR5.44%
Term84 Months
Last UpdatedMar 24, 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
View
▼
APR5.49%
Term72 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
5.49%
0-60
View
▼
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
View
▼
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
View
▼
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
View
▼
APR5.49%
Term60 months
Last UpdatedMar 18, 2026
Details

Direct Deposit APR

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
View
▼
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
View
▼
APR5.49%
Term48 Months
Last UpdatedMar 21, 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 2023 & NEWER Vehicle Loan
5.49%
63 Months
View
▼
APR5.49%
Term63 Months
Last UpdatedMar 21, 2026
Details

As Low As; Up to 63 Months

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
View
▼
APR5.49%
Term3-7 year
Last UpdatedMar 24, 2026
Details

As Low As

Alhambra Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.81%
13331 W Indian School Rd Ste 205, Litchfield Park, AZ, 85340
New Vehicle
5.50%
60 Months
View
▼
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
View
▼
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
View
▼
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
View
▼
APR5.74%
Term72 months
Last UpdatedMar 18, 2026
Details

Direct Deposit APR

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
View
▼
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
View
▼
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
View
▼
APR5.74%
Term60 Months
Last UpdatedMar 21, 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 Vehicles2
5.74%
Up to 2 years
View
▼
APR5.74%
TermUp to 2 years
Last UpdatedMar 22, 2026
Details

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
View
▼
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
View
▼
APR5.99%
Term84 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)
5.99%
36 months
View
▼
APR5.99%
Term36 months
Last UpdatedMar 18, 2026
Details

Standard APR

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
View
▼
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
View
▼
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
View
▼
APR5.99%
Term72 Months
Last UpdatedMar 21, 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 2023 & NEWER Vehicle Loan
5.99%
75 Months
View
▼
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%
13331 W Indian School Rd Ste 205, Litchfield Park, AZ, 85340
New Vehicle
6.00%
72 Months
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
APR6.49%
Term60 months
Last UpdatedMar 18, 2026
Details

Standard APR

Alhambra Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.81%
13331 W Indian School Rd Ste 205, Litchfield Park, AZ, 85340
New Vehicle
6.50%
84 Months
View
▼
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
View
▼
APR6.74%
Term72 months
Last UpdatedMar 18, 2026
Details

Standard APR

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
View
▼
APR6.90%
Term84 Months
Last UpdatedMar 20, 2026
Details

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
View
▼
APR6.99%
Term84 Months
Last UpdatedMar 21, 2026
Details

As Low As; Up to 84 Months

Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.70%
5000 E McDowell Rd, Mesa, AZ, 85215 9707
New Cars
10.14%
84 Months
View
▼
APR10.14%
Term84 Months
Last UpdatedMar 24, 2026
Details

2025-2026 models with less than 7,500 miles.

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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
APR15.50%
Term84 Months
Last UpdatedMar 18, 2026
Details

As Low As

Source: Verified Auto Loan Rate Data provided by MonitorBankRates
Lender
Product
APR
Term
Profile
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
APR4.99%
TermUp to 60 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
View
▼
APR4.99%
Term36 months
Last UpdatedMar 18, 2026
Details

Direct Deposit APR

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
View
▼
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
Used Cars
5.09%
84 Months
View
▼
APR5.09%
Term84 Months
Last UpdatedMar 24, 2026
Details

2017-2025 models.

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
View
▼
APR5.10%
Term72 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 Auto
5.24%
Up to 72 months
View
▼
APR5.24%
TermUp to 72 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)
5.24%
48 months
View
▼
APR5.24%
Term48 months
Last UpdatedMar 18, 2026
Details

Direct Deposit APR

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
View
▼
APR5.24%
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
5.29%
36 Months
View
▼
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
View
▼
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
View
▼
APR5.44%
Term60 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
New & Used Autos
5.49%
72 Months
View
▼
APR5.49%
Term72 Months
Last UpdatedMar 17, 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
View
▼
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
View
▼
APR5.49%
Term60 months
Last UpdatedMar 18, 2026
Details

Direct Deposit APR

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
View
▼
APR5.49%
Term48 Months
Last UpdatedMar 21, 2026
Details

As Low As

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
View
▼
APR5.49%
Term84 Months
Last UpdatedMar 24, 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
View
▼
APR5.64%
TermUp to 84 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)
5.74%
72 months
View
▼
APR5.74%
Term72 months
Last UpdatedMar 18, 2026
Details

Direct Deposit APR

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
View
▼
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
View
▼
APR5.74%
Term60 Months
Last UpdatedMar 21, 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 Vehicles2
5.74%
Up to 2 years
View
▼
APR5.74%
TermUp to 2 years
Last UpdatedMar 22, 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
View
▼
APR5.74%
Term84 Months
Last UpdatedMar 24, 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
View
▼
APR5.90%
Term36 Months
Last UpdatedMar 20, 2026
Details

Alhambra Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.81%
13331 W Indian School Rd Ste 205, Litchfield Park, AZ, 85340
Used Vehicle
5.99%
60 Months
View
▼
APR5.99%
Term60 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
5.99%
84 Months
View
▼
APR5.99%
Term84 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)
5.99%
36 months
View
▼
APR5.99%
Term36 months
Last UpdatedMar 18, 2026
Details

Standard APR

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
View
▼
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
View
▼
APR5.99%
Term72 Months
Last UpdatedMar 21, 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
View
▼
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
View
▼
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
View
▼
APR6.49%
Term60 months
Last UpdatedMar 18, 2026
Details

Standard APR

Alhambra Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.81%
13331 W Indian School Rd Ste 205, Litchfield Park, AZ, 85340
Used Vehicle
6.50%
72 Months
View
▼
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
View
▼
APR6.74%
Term72 months
Last UpdatedMar 18, 2026
Details

Standard APR

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
View
▼
APR6.90%
Term72 Months
Last UpdatedMar 20, 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
Used Autos, SUVs, Trucks, Vans
6.99%
3-7 year
View
▼
APR6.99%
Term3-7 year
Last UpdatedMar 24, 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
View
▼
APR7.49%
Term0-60
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
7.49%
84 Months
View
▼
APR7.49%
Term84 Months
Last UpdatedMar 18, 2026
Details

Alhambra Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 13.81%
13331 W Indian School Rd Ste 205, Litchfield Park, AZ, 85340
Used Vehicle
7.50%
84 Months
View
▼
APR7.50%
Term84 Months
Last UpdatedMar 17, 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
7.90%
84 Months
View
▼
APR7.90%
Term84 Months
Last UpdatedMar 20, 2026
Details

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
View
▼
APR8.24%
Term61-72
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
8.49%
180 Months
View
▼
APR8.49%
Term180 Months
Last UpdatedMar 18, 2026
Details

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
View
▼
APR8.99%
Term73-84
Last UpdatedMar 18, 2026
Details

As Low As; 2016-2020

Nuvision Federal Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.70%
5000 E McDowell Rd, Mesa, AZ, 85215 9707
Used Cars
10.34%
84 Months
View
▼
APR10.34%
Term84 Months
Last UpdatedMar 24, 2026
Details

2017-2025 models.

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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
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
View
▼
APR15.50%
Term84 Months
Last UpdatedMar 18, 2026
Details

As Low As

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

Based on our current data, some of the lowest auto loan rates available in Surprise, Arizona include:
  • First National Bank Texas: 4.43% (Auto Loan)
  • Credit Union West Credit Union: 4.99% (Auto Loans)
  • Arrowhead Central Credit Union: 3.99% (New & Used Autos)
  • Firefighters First Federal Credit Union: 4.49% (New & Used Autos)
  • Florida West Coast Credit Union: 4.60% (New Automobile (2025 & newer))
Auto Loan Rates reflect actual verified offers from banks and credit unions actively lending in Surprise, Arizona. Your final approved rate will depend on your credit profile and loan term. Last Updated and Verified: March 24, 2026

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