Arizona Auto Loans: New & Used

Ready to hit the road in your new ride?

Auto Loans

With our great rates, fast approvals and up to 90 days no pay1, we’ll get you moving! Whether your teen just received their driver’s license, your current vehicle does not fit the size of your growing family, or you’re ready to travel and hit the open road, we have simple solutions for the ride you want!

  • Receive .50% rate discount when you sign up for automatic payments and auto protection2
  • Search for your vehicle with confidence by being a cash buyer with Easy Check
  • Application approvals are good for up to 30 days
  • Competitive interest rates and terms
  • No application or processing fees
  • Up to an 84 month loan term
  • No early loan payback penalty

Already have a loan with someone else? Good news! Refinance your loan today, and this offer also applies to you! AND WITH OUR LOW RATES, get ready to hit the open road!

So what are you waiting for? Have the ride you want now while keeping more cash in your pocket! We can even pre-approve you for your loan so you can shop with confidence and know exactly how much vehicle you can afford. Or, use one of our convenient financial calculators to get a quick assessment.

View Our Auto Loan Rates

Finding a Great Deal

  • Credit Union Advantage – Want to simplify your search? Use this online car buying program, created exclusively for credit union members, to research and locate your next new or used vehicle. If you prefer shopping in person, you can still get low Arizona Central financing right at the dealership. Just ask to speak to the Credit Union Advantage representative and be sure to request an Arizona Central Credit Union loan. Most dealers across Arizona participate in the program.

Protecting Your Vehicle

  • TruStage Auto Insurance – Want to see how much you can save on reliable, affordable car insurance? You could save over $500 per year
  • GAP Policies – Worried you owe more on your car than it’s worth? Check out our GAP insurance to see if it’s right for you.
  • Mechanical Breakdown Protection – Has your factory warranty expired? Protect your vehicle against expensive repairs with Mechanical Breakdown Protection.
  • Debt Cancellation Protection – Safeguard your loan against unexpected income loss with our debt cancellation protection.

Learn More About Auto Loan Rates in Arizona

New auto loan rates in Arizona can be as low as 7.00% for credit union members.

Why Choose Arizona Central Credit Union for an Auto Loan?

Arizona Central Credit Union has been providing Arizona families in Phoenix and beyond with vehicle loans and other financial services since 1939. Whether you already have an account or are just looking to finance a new ride, Arizona Central, Arizona’s leading local credit union, will be here to safeguard you and help you achieve your goal of financial freedom.

Arizona Central Credit Union has 9 branches throughout Arizona, including Phoenix, Glendale, Tempe, Chandler, Flagstaff, Tucson and Show Low. Members have access to 30,000+ surcharge-free ATMs nationwide through the CO-OP ATM network. Arizona Central makes banking accessible & rewarding for all AZ communities.

Auto Loans FAQs

The decision to lease or buy a car can depend on your financial situation.

Leasing a vehicle is only temporary and you must return it or sign a new lease, but they tend to have lower monthly costs.

Buying a car means you own the vehicle and can sell it or trade it in, but can come with higher monthly payments and maintenance costs.

Consider the pros and cons of Buying vs. Leasing a Car.

Help make a decision with this Purchase or Lease Car Payment Calculator.

There is no exact credit score required to buy a car, as it can depend on the type of financing you choose, although you should target credit score to finance a vehicle of no less than 661. A 2022 report by Experian found that nearly 65% of cars financed in the United States involved borrowers with a credit score of 661 or higher.

Financing a car can be done through approval of an auto loan from a traditional Bank, Credit Union, or online lender.

The process of obtaining a preapproval letter for a car loan involves:

– Knowing your credit score standing: Your credit score provides lenders with a general idea of the likelihood that you’ll repay the loan on time.

– Have necessary paperwork and information ready

  • Social Security number
  • Identification (Driver’s license, state ID or military ID should suffice)
  • Income
  • Employment status
  1. 90 days to first payment is subject to credit approval and only valid on auto loans, ATV loans, motorsport vehicle loans, or motorcycle loans not already financed with Arizona Central Credit Union. First payment may be deferred for up to 90 days, however, your loan will still accrue interest during that time. Some restrictions apply. For a limited time – may be changed at any time. Offer excludes other loan products not limited to personal loans/lines, credit cards and real estate.
  2. Auto loan interest rate discount up to 0.50% max is valid for qualifying existing Arizona Central CU members financing a new or used auto loan, not already financed with us. Rate discount of 0.25% applies if you sign up for the automatic payment rate discount and 0.25% with purchase of GAP (Guaranteed Asset Protection) and/or MBP (Mechanical Breakdown Protection) at the time of auto loan application during promotion period who obtain an Arizona Central CU auto purchase or refinance loan. The applicable automatic payment form and applicable GAP and/or MBP contract must be completed and signed at time of final loan closing documents. Some restrictions apply. For a limited time – may be changed at any time.
  3. Sample New Auto Loan for $20,000 at 6.75% APR (APR payment quote is with .50% rate discount with Auto-Pay set up & purchase of GAP or MBP) for 60 months, payment is $410.85(e)
Deep Roots, Strong Community:

Vehicle Loans & Refinancing Options

Auto Loans

Let us get you into the driver’s seat with great rates, friendly service and helpful online tools.

Refinance Your Ride

If you’re financing your vehicle through another bank or lender, we may be able to give you a lower interest rate and save you money on your monthly auto loan payment.

RV & Boat Loans

Check out our financing options for new and used recreational vehicles.

Motorcycle Loans

The pull of the bike of your dreams is strong! Our deals will get your rubber on the road!

ATV Loans

With low rates and Up to 90 Days No Pay, Arizona Central can get you and your favorite toys on the trail!

Preferred Dealers

With low rates, fast approvals and up to 90 days no pay, there has never been a better time to buy!

Find a Branch Near You Today!