The Arizona auto loan calculator estimate for a $35,000 new car with $3,500 down, financed over 60 months at today's MonitorBankRates Arizona average new auto loan APR of 5.32% with the Arizona vehicle sales tax of 5.60% and $300 in fees added to the loan, is a monthly car payment of about $642, or about $749 a month with the average Arizona car insurance premium included, verified by MonitorBankRates as of November 10, 2026.
Lenders serving Arizona currently advertise auto loan APRs from 3.34% to 4.19% across the 5 offers listed below. This calculator finances what a Arizona dealer actually finances: the price minus your down payment and trade in, plus Arizona sales tax (local rates can add to the state rate) and fees. The APR is today's MonitorBankRates Arizona average; switch to used with one click or apply a verified lender APR from the panel below. The same loan at the Arizona used car average of 5.80% costs about $650 a month.
Arizona Car Payment Estimator
Prefilled with the MonitorBankRates Arizona average APR, the Arizona sales tax rate and average insurance. Results update as you type.
Where the amount financed comes from
| Vehicle price | $0 |
| Arizona sales tax | $0 |
| Title, registration and fees | $0 |
| Down payment | $0 |
| Trade in | $0 |
| Amount financed | $0 |
Loan balance over time
Amortization schedule (yearly totals)
| Year | Principal Paid | Interest Paid | Ending Balance |
|---|
Current Arizona Average Auto Loan Rates
Today's MonitorBankRates Arizona averages first, then the lowest verified new and used offers from lenders serving Arizona. Click any APR to run it through the calculator.
Auto Loan Offers in Arizona and the Payment on a $35,000 Car
Monthly payment on the example loan ($33,760 financed after $3,500 down, Arizona tax and fees) at each lender's advertised APR and term, from rate sheets published by the lender and verified by MonitorBankRates.
- American Airlines Federal Credit UnionNew Auto, verified Nov 7, 20263.34% APR$612 a month over 60 months
- Southwest Airlines Federal Credit UnionNew Auto Loan, verified Nov 9, 20263.94% APR$621 a month over 60 months
- Arrowhead Central Credit UnionAuto Loan, verified Nov 8, 20263.99% APR$622 a month over 60 months
- Florida West Coast Credit UnionNew Automobile (2025 & newer), verified Nov 9, 20263.99% APR$622 a month over 60 months
- Navy Federal Credit UnionMissionAssistTM Auto - New Auto Loan, verified Nov 5, 20264.19% APR$625 a month over 60 months
Compare every new and used auto loan, local banks and credit unions first, on the Arizona auto loan rates page.
View Your Arizona Auto Loan Rate
Personalized auto loan offers from lenders serving Arizona.
What a Car Loan Costs in Arizona Right Now
| $35,000 new car, $3,500 down, Arizona tax and fees: $33,760 financed at the MonitorBankRates Arizona average of 5.32% | Monthly | Total interest |
|---|---|---|
| 36 months | $1,017 | $2,842 |
| 48 months | $782 | $3,796 |
| 60 months | $642 | $4,766 |
| 72 months | $549 | $5,752 |
| 84 months | $482 | $6,753 |
Arizona sales tax adds $1,960 to a $35,000 car, which at 5.32% over 60 months is about $37 of the monthly payment. Because Arizona taxes the price after the trade in, trading in a $10,000 car at the dealer saves $560 in tax compared with selling it privately. The Arizona average APR of 5.32% is below the U.S. average of 6.00%. Add the average Arizona car insurance premium of $107 a month and the car costs about $749 a month to keep on the road before fuel and maintenance, which is 11.2% of the Arizona median household income of $79,964. Rates change daily; every figure on this page is recalculated when it loads from the current MonitorBankRates Arizona average.
Car Payments by Price in Arizona
10% down, Arizona sales tax of 5.60% and $300 in fees financed, 60 months at the MonitorBankRates Arizona averages for new (5.32%) and used (5.80%) cars.
| Price | Down | Arizona tax | Amount financed | New car payment | Used car payment |
|---|---|---|---|---|---|
| $15,000 | $1,500 | $840 | $14,640 | $278 | $282 |
| $25,000 | $2,500 | $1,400 | $24,200 | $460 | $466 |
| $35,000 | $3,500 | $1,960 | $33,760 | $642 | $650 |
| $45,000 | $4,500 | $2,520 | $43,320 | $824 | $833 |
| $60,000 | $6,000 | $3,360 | $57,660 | $1,097 | $1,109 |
Car Payment Budgets in Arizona's Largest Cities
What a car payment looks like against each city's median household income. The 10% guideline caps the payment at a tenth of monthly take-home; the loan column is what that payment finances over 60 months at the MonitorBankRates Arizona new car average of 5.32%, before insurance, which averages about $107 a month in Arizona. Open a city's rates page for verified lender APRs.
| City | Median household income | 10% payment guideline | Loan it finances (60 months) |
|---|---|---|---|
| Phoenix auto loan rates | $81,332 | $678 a month | $35,600 |
| Tucson auto loan rates | $57,073 | $476 a month | $25,000 |
| Mesa auto loan rates | $82,752 | $690 a month | $36,300 |
| Chandler auto loan rates | $108,095 | $901 a month | $47,400 |
| Gilbert auto loan rates | $122,551 | $1,021 a month | $53,700 |
| Glendale auto loan rates | $73,530 | $613 a month | $32,200 |
| Scottsdale auto loan rates | $110,886 | $924 a month | $48,600 |
| Peoria auto loan rates | $95,815 | $798 a month | $42,000 |
| Tempe auto loan rates | $79,663 | $664 a month | $34,900 |
| Surprise auto loan rates | $96,711 | $806 a month | $42,400 |
For example, the median Phoenix household ($81,332 a year) lands at about $678 a month under the 10% guideline, which is the payment on the $35,000 example above only with a larger down payment or a longer term. Auto loan rates are set by your credit score and the lender, not by city, so the same Arizona average applies in every row.
Buying a Car in Arizona: Tax, Fees and Insurance
Sales tax. State transaction privilege tax of 5.6%; county and city rates are added. The calculator uses the state rate of 5.60%; enter your combined local rate for an exact figure. Dealers add the tax to the amount financed unless you pay it at signing, so it costs interest for the life of the loan.
Trade in. In Arizona the trade in value is subtracted before tax is figured, so a $10,000 trade in saves $560 in tax on top of lowering the loan.
Fees. Title, registration and plate fees are set by the Arizona motor vehicle agency and vary by vehicle; dealer documentation fees are set by the dealer and run from about $100 to more than $800 depending on the state. The calculator uses $300 as a placeholder; replace it with the figures on your buyer's order.
Insurance. The average Arizona car insurance premium is about $1,287 a year, or $107 a month, according to the NAIC, compared with about $1,258 nationally. Lenders require full coverage on a financed car, so budget for it alongside the payment. Compare carriers on the Arizona car insurance page.
How to Use the Arizona Auto Loan Calculator
- Start from the Arizona defaults
The APR is today's MonitorBankRates Arizona average, the sales tax is the Arizona vehicle rate and the insurance line is the state average. Switch to used with one click.
- Enter the deal
Type the negotiated price, your down payment and trade in, and the fees from the buyer's order. Add your local tax rate if your county or city charges more than the state rate.
- Click a verified lender APR
The panel lists the lowest current new and used offers from lenders serving Arizona. One click applies that APR and term.
- Read the full monthly cost
The large figure is the loan payment. Payment plus insurance shows what the car costs each month to keep on the road.
Frequently Asked Questions About Car Loans in Arizona
What is the average auto loan rate in Arizona today?
The MonitorBankRates Arizona average new auto loan APR is 5.32% as of November 10, 2026, and the average used auto loan APR is 5.80%, computed every day from rates published by banks and credit unions lending in Arizona. Individual lenders currently advertise APRs from 3.34% to 4.19% for borrowers with strong credit; compare offers on the Arizona auto loan rates page.
How much is the car payment on a $35,000 car in Arizona?
With $3,500 down, Arizona sales tax of 5.60% and $300 in fees, the amount financed is $33,760. At the MonitorBankRates Arizona average new auto loan APR of 5.32% that is about $642 a month over 60 months, $782 over 48 months, or $549 over 72 months.
What is the sales tax on a car in Arizona?
State transaction privilege tax of 5.6%; county and city rates are added. On a $35,000 car the state rate of 5.60% comes to $1,960. The trade in value is subtracted before tax in Arizona.
Does a trade in reduce sales tax in Arizona?
Yes. Arizona charges sales tax on the purchase price minus the trade in, so a $10,000 trade in saves $560 in tax at the 5.60% state rate in addition to lowering the loan.
How much is car insurance in Arizona?
The NAIC average car insurance premium in Arizona is about $1,287 a year, or $107 a month, compared with about $1,258 nationally. Full coverage is required on a financed car, so the calculator adds the premium to the payment: about $749 a month for the example car.
What loan term should I choose?
The shortest term whose payment fits. On the $33,760 example at 5.32%, 48 months costs $782 a month, 60 months $642, and 84 months $482. The 84 month loan pays about $1,987 more interest than the 60 month loan and leaves you owing more than the car is worth for years.
How much should I put down on a car in Arizona?
At least 10% on a used car and 20% on a new one is the usual guidance. Twenty percent down on the $35,000 example, $7,000, cuts the payment by about $67 a month and reduces the time you owe more than the car is worth.
Auto Loan Calculators for Other States
Each state page starts from that state's MonitorBankRates average APR, vehicle sales tax rate and average car insurance cost. The national auto loan calculator compares the payment on the same car in every state.
