New Auto - rates as low as 2.99% APR for 48 months1
No payment for the first 90 daysof your loan2
Skip up to two payments for the life of the loan3
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:
- Used auto loan rates as low as 3.24% APR4
- 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 OneAZ Credit Union members can submit a loan application by clicking the link below.
Need more information?
Chat with a loan expert about your needs.
Call Monday through Friday between 8:00 a.m. and 6:00 p.m. or email anytime.
Already Submitted an Application?
You can click the link below to check the status of your application.
All loans subject to credit approval. APR = Annual Percentage Rate. Effective November 1, 2019.
1 For 2018 and newer vehicles that have never been titled. Term of up to 48 months; with an APR of 2.99%, and estimated monthly payment of $22.16 per $1,000.00 borrowed. 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.
2 90 Days No Payment option will extend your loan by three (3) months, and finance charges will accrue on unpaid principal.
3 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
4 For any vehicles that have been previously titled. Term of up to 48 months; with an APR of 3.24%, and estimated monthly payment of $22.28 per $1,000.00 borrowed. 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.
5 84 month financing on New Vehicles (2017 & Newer & $25K Min)