Dream car, meet dream rates.
Whether you’ll be zooming around the saguaro-dotted deserts of the south or the tree-lined mountains of the north, OneAZ Credit Union can put you in the driver’s seat.
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New Auto - rates as low as 4.94% APR1 for 48 months
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New Auto - rates as low as 5.14% APR1 for 60 months
No payment for the first 90 days of your loan2
- Rates include a 0.25% discount for having a Benefits Checking account
Apply anytime.
We're here for you 24/7. Apply by phone after hours and on weekends.
Don't take our word for it.
See why other members chose OneAZ to finance their Tesla.
Morgan Robel with OneAZCU is phenomenal. We recently purchased a Tesla, which has a unique and lengthy purchasing process (built to order). While many banking institutions won’t finance them, OneAZCU not only did, but did so at the lowest rates and simplest process. Morgan was always extremely punctual and professional to respond to my questions throughout the process. Thank you to Morgan and to OneAZCU for a world class experience in purchasing a car.
-Steve H.
The loan through OneAZ went super smooth and flawless. Your rep answered all my questions through email and the phone and you guys had the most competitive APR rate across 4 different credit unions across the valley.
-Paolo A.
OneAZ has provided me with exceptional rates and amazing customer service unmatched with any other auto loan provider I inquired with. They made it possible to own my dream car and road trip from Phoenix to Portland to Denver without emissions!
-Matthew O.
Delivery date for our Model 3 was unexpectedly moved up about a month and I had less than a week to arrange financing. OneAZ and our loan officer Morgan were quick, responsive and had the best rate on financing we could find anywhere. Loan was ready to go when we picked up! Great experience with OneAZ.
-Steve G. (& his wife)
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Rates as of August 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.
