Love your new ride but not your payment? Refinance with OneAZ to lower your monthly payment today.
As a OneAZ member, you will also take advantage of these great perks:
- New auto loan rates as low 3.49% APR1
- Used auto loan rates as low as 3.74% APR2
- No payment for first 90 days3
- Skip up to two payments for the life of the loan4
- Pay online from your OneAZ account
- No penalty for paying early
- Flexible payment options and terms (up to 84 months5)
- Apply and close your loan online
- Extended warranties and GAP products
New to OneAZ?
You can submit your refinance loan application and become a member at the same time.
Existing Members
Existing members can submit a loan application by clicking the link below.
Already Submitted an Application?
All loans subject to credit approval. APR = Annual Percentage Rate. Effective June 20, 2019.
1 For 2018 and newer vehicles that have never been titled. Auto loan APR may range from 3.49% to 18.00% based on credit qualifications, term of loan, and payment options. Loans through dealers do not qualify for promotional rate.
2 For any vehicles that have been previously titled. Auto loan APR may range from 3.74% to 18.00% based on credit qualifications, term of loan, and payment options. Loans through dealers do not qualify for promotional rate.
3 90 Days No Payment option will extend your loan by three (3) months, and finance charges will accrue on unpaid principal.
4 To qualify for the skip payment privilege, you must make nine (9) months of consecutive loan payments before you can request your first skip payment. After you have made at least one (1) payment following your first skip payment, you can request a second skip payment at any time during the remaining life of the loan. Any delinquent activity disqualifies eligibility to skip a payment. Skipping a payment will extend your loan by one (1) month and finance charges will accrue on the unpaid principal. Your regular payments will resume in a month following the skipped payment. All other terms and conditions of the loan will remain the same. There is a $30.00 processing fee for this request and this fee is considered an interest charge, which will be added to your loan. Skip payment requests are subject to credit qualifications and approval
584 month financing on New Vehicles (2017 & Newer & $25K Min)