A car loan to meet your budget.
-
New Auto - rates as low as
4.94% APR1
for 48 months
-
New Auto - rates as low as
5.14% APR1
for 60 months
-
No payment for the first
90 days2
of your loan
- Used Auto - rates as low as 5.14% APR3
- 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
Instant Offers
Get personalized offers for auto, credit card, and personal loans without impacting your credit score.
Apply anytime.
We're here for you 24/7. Apply by phone after hours and on weekends.
See what OneAZ members are saying about our auto loans!
OneAZ Credit Union is not responsible for the content on the ReviewTrackers and Facebook websites.
Finance your Tesla Today.
Whether it's a Model 3, Model X or Model S - we've got you covered.
Auto Loan Calculator
Estimate your auto loan monthly payment with our online calculator.
Auto Resources Guide
At OneAZ, we want you to have the tools and the knowledge to make confident, smart decisions about your finances.
How to Finance a Used Car: 6 Steps Everyone Should Know Before They Buy
Follow these six steps to make sure you get the lowest rates, best terms, and best customer service when financing your next used car purchase.
Keep ReadingRev Up Your Car Budget
Budgeting for a car means putting a plan in place and considering all the factors so you buy or lease something you will love and fits your budget.
Keep Reading5 Ways to Save with an Auto Loan Refi
When you refinance your car loan, you pay off your old loan with a fresh loan from a new lender. Here are 5 ways to save with an auto loan refinance!
Keep ReadingNeed more information?
Chat with a loan expert about your needs.
Call or email anytime.
Do it all with the
OneAZ Mobile Banking app.
Deposit
checks
Transfer
funds
Pay
your bills
Chat with an
associate
Locate
an ATM
Download the OneAZ Mobile Banking app
Rates as of July 1, 2025.
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 4.94 % and estimated monthly payment of $23.00 per $1,000.00 borrowed. Term of up to 60 months; with an APR of 5.14 % and estimated monthly payment of $18.94 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 5.14 % and estimated monthly payment of $23.09 per $1,000.00 borrowed. Term of up to 60 months; with an APR of 5.34 % and estimated monthly payment of $19.03 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.
