How It Works
The driveway just got more rewarding. Buy or refinance up to four vehicles with OneAZ and earn cash back. Whether it's your car, your spouse's truck, or your teenager's first vehicle, bringing multiple qualifying auto loans to OneAZ could put cash back in your pocket.
4+ qualifying auto loans funded
3 qualifying auto loans funded
2 qualifying auto loans funded
Loyalty Bonus
Existing OneAZ auto loan members who add one qualifying auto loan
Ways to Qualify
Finance a new or used vehicle
Refinance an auto loan from another lender
Purchase through a participating dealer
Complete qualifying auto loans between August 1 and October 31, 2026, and you'll automatically be eligible for a reward.
Why Choose OneAZ?
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
*Promotional Eligibility: Offer available to both new and existing OneAZ Credit Union members. Membership eligibility, credit approval, and standard lending requirements apply. Promotion is available to individual borrowers financing multiple qualifying vehicles or multiple borrowers residing at the same residential address. All qualifying auto loans must be applied for and funded between August 1, 2026 and October 31, 2026.
Bonus/Reward Information: Members may earn cash-back rewards based on the number of qualifying auto loans funded during the promotional period. Existing OneAZ members with an active OneAZ auto loan prior to August 1, 2026, who finance one additional qualifying auto loan may receive a $250 Loyalty Bonus. Existing OneAZ members are not limited to the $250 Loyalty Bonus. If an existing member funds two or more qualifying auto loans during the promotional period, either individually or as part of a qualifying household, they may qualify for the higher applicable reward tier, up to $1,500. Members may earn $500 for funding two qualifying auto loans, $1,000 for funding three qualifying auto loans, or $1,500 for funding four or more qualifying auto loans during the promotional period. Only one reward will be paid based on the highest reward tier achieved. Qualifying auto loans must have a minimum funded amount of $15,000. Existing OneAZ auto loans and internal OneAZ auto loan refinances do not qualify toward campaign reward tiers.
Important Information: To qualify for a reward, each qualifying loan must remain open with OneAZ for at least 90 days after funding, receive three full monthly payments, remain current and in good standing, have no delinquency, and not be paid off or refinanced during the qualification period. After all qualification requirements have been verified, the applicable cash-back reward will be deposited into the primary borrower’s OneAZ Share Savings Account associated with the first qualifying auto loan funded during the campaign within 30 calendar days of verification. Cash-back rewards of $600 or more may be reported to the IRS on Form 1099-MISC, as required by applicable tax laws.
Only one reward may be received per qualifying household or individual borrower. Offer may not be combined with any other OneAZ auto loan promotion.
Loan Closure/Disqualification: Any qualifying loan that is paid off, refinanced away from OneAZ, becomes delinquent, or otherwise fails to meet the campaign qualification requirements during the qualification period will not be eligible toward reward qualification.
Offer valid August 1, 2026 through October 31, 2026. All qualifying auto loans must be applied for and funded during the promotional period. Terms subject to change at the discretion of OneAZ Credit Union. OneAZ Credit Union reserves the right to modify, suspend, or terminate this promotion at any time without prior notice, subject to applicable law. Changes will not affect rewards already earned under the published promotion requirements.