OneAZ Credit Union

Security Alert – We have received reports of members receiving text messages and phone calls from someone claiming to be from “OneAZ Fraud Department” asking for their debit card number and expiration date. This is a phishing attempt and a security threat. If you received this text, please delete it. If you responded to the text or call and provided account information, please call the phone number on the back of your debit card, and closely monitor your transactions. Reminder – OneAZ will NEVER call or text you to request your debit card number, expiration date, or other account or personal information.

A car loan to meet your budget.

  • New Auto - rates as low as 4.79% APR for 48 months1

  • New Auto - rates as low as 4.99% APR for 60 months1

  • No payment for the first 90 days of your loan2

  • Used Auto - rates as low as 4.99% APR for 48 months and 5.19% APR for 60 months3
  • Rates displayed include a 0.25% discount for having a Benefits Checking account
  • Pay online from any bank
  • Free CARFAX report upon request with application submission
  • Click here to see more terms

auto loans, credit cards, perfonal loans

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Instant Offers

Get personalized offers for auto, credit card, and personal loans without impacting your credit score.

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24/7 suppport - after hours & weekendsNow Accepting New Loan Applications by Phone 24/7

Apply for a new mortgage, refinance, auto loan and more around the clock!

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800.453.9897

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See what OneAZ members are saying about our auto loans!

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Meet the Team

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Auto Loan Calculator

Estimate your auto loan monthly payment with our online calculator.

Auto Loan Calculator

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Auto Loan Resources

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Tools and Resources

OneAZ Mobile Banking app - Spending Analysis
Data rates apply.

Next Level Banking

Now your bank is as mobile as you are.

  • Set Travel Notices
  • Card Controls
  • Financial Goal Setting
  • Seamless on All Devices
  • Alerts
  • Check Ordering
Compatible with:
Compatible with Apple Pay, Google Pay, Samsung Pay

Make the switch to OneAZ.

Move your money to OneAZ in three simple steps.

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APR = Annual Percentage Rate.

Rates as of December 1, 2022.

1 For 2021 and newer vehicles. Term of up to 48 months; with an APR of 4.79% and estimated monthly payment of $22.94 per $1,000.00 borrowed. Term of up to 60 months; with an APR of 4.99% and estimated monthly payment of $18.87 per $1,000 borrowed. Auto loans of $75,000 to $99,999.99, are subject to a rate increase of .50%; Auto loans $100,000.00-$150,000 are restricted to 75% loan to value (LTV) and subject to a rate increase of 1.00%. Taxes and fees are not included. The rate may vary depending on each individuals’ credit history and underwriting factors. Loans through dealers do not qualify for promotional rate. Rates include a 0.25% discount for having a Benefits Checking account.

2 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.

3 For 2020 – 2018 vehicles. Term of up to 48 months; with an APR of 4.99% and estimated monthly payment of $23.03 per $1,000.00 borrowed. Term of up to 60 months; with an APR of 5.19% and estimated monthly payment of $18.96 per $1,000.00 borrowed. Auto loans of $75,000 to $99,999.99, are subject to a rate increase of .50%; Auto loans $100,000.00-$150,000 are restricted to 75% loan to value (LTV) and subject to a rate increase of 1.00%. Taxes and fees are not included. The rate may vary depending on each individual’s credit history and underwriting factors.Rates include a 0.25% discount for having a Benefits Checking account.

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