Car Loan Rates
Rates as low as
For 48 months
Rates as low as
For 60 months
Rates as low as
For 48 months
Why Choose OneAZ?
Drive now, pay later:
No payment on your auto loan for 90 days!2
Low Rates:
Among the best used auto loan rates in AZ
Quick & Easy:
Get approved in just minutes for loan amounts up to $100,000
No Prepayment Penalties:
Pay off your loan anytime without extra costs
Apply anytime.
We're here for you 24/7. Apply by phone after hours and on weekends.
Purchase Your Car from Anywhere
No limits. No hassle. Just flexible financing that moves with you.
Purchase from Dealerships
Buy a new or used vehicle from any licensed dealership — whether it’s a big-name brand like Toyota or Mercedes, or an independent dealer.
Private Party Purchase
Buy a car directly from friends, family, or through marketplaces like Facebook or Craigslist.
Lease Buyout
Love your leased vehicle? We make it easy for you to purchase it at the end of your lease.
Auto Refinance
Refinance your existing auto loan to lower your interest rate, reduce your monthly payment, or change your loan term.
Need more information?
Contact an auto loan expert by completing this form.
Guaranteed Asset Protection
(GAP)
Covers the difference between your loan balance and your insurance payout if your vehicle is totaled or stolen.
Vehicle Service Agreement
Protects you from unexpected repair costs after your factory warranty expires — so you’re not stuck paying out of pocket.
Debt Cancellation
Cancels your loan balance or payments in the event of disability, job loss, or death — helping protect your financial future.
Depreciated Protection
(DPW)
Helps you recover your car’s original value if it’s totaled or stolen — putting cash back in your pocket.
Auto Loan FAQs
Prequalification gives you a general idea of the loan amount and rate you may qualify for. Preapproval is more detailed and shows car dealers you’re a serious buyer. Getting preapproved with OneAZ Credit Union can help you shop with confidence.
Approval depends on factors like credit history, income, and loan amount. The best way to know is to apply with OneAZ or speak directly with our lending team.
Yes. Refinancing with OneAZ may lower your monthly payment, reduce your interest rate, or shorten your loan term. Contact us today to see if refinancing makes sense for you.
Credit unions like OneAZ often provide lower rates, fewer fees, and more flexible terms compared to dealer financing. Plus, you’ll get personalized service from a local Arizona team.
APR = Annual Percentage Rate. This offer is subject to credit qualification, including verification of income, employment status, current debt obligations and other factors indicating your ability to repay the loan offered. Additional documentation will be required. Rates subject to change without notice. Click here for membership eligibility.
Rates as of March 1, 2026.
1 APR = Annual Percentage Rate. New Auto Loans are 2024 and newer vehicles, in which the equitable or legal title has not been transferred to an ultimate purchaser. Term of up to 48 months; with an APR of 5.19% and estimated monthly payment of $23.12 per $1,000.00 borrowed. Term of up to 60 months; with an APR of 5.39% and estimated monthly payment of $19.06 per $1,000.00 borrowed. Other finance options available. Taxes and fees are not included. The rate may vary depending on each individuals’ credit qualifications, loan term and collateral. Loans through dealers do not qualify for promotional rate. Rates include a 0.25% discount for having a Benefits Checking account. Visit our Checking page for more information. Membership qualifications apply. For membership eligibility, visit our Membership page.
1 90 Days No Payment option will extend your loan by three (3) months, and finance charges will accrue on unpaid principal. This offer does not apply to refinancing existing OneAZ loans, Credit Flex, or Indirect loans.
1 APR = Annual Percentage Rate. Used vehicles must be 15 years old or less to qualify for a loan. Term of up to 48 months; with an APR of 5.19% and estimated monthly payment of $23.12 per $1,000.00 borrowed. Term of up to 60 months; with an APR of 5.39% and estimated monthly payment of $19.06 per $1,000.00 borrowed. Other finance options available. Taxes and fees are not included. The rate may vary depending on each individuals’ credit qualifications, loan term and collateral. Other terms and conditions may apply. Loans through dealers do not qualify for promotional rate. Rates include a 0.25% discount for having a Benefits Checking account. Visit our Checking page for more information. Membership qualifications apply. For membership eligibility, visit our Membership page.