Refinancing your auto loan is as easy as 1, 2, 3.
Apply in 5 minutes or less.
Getting pre-qualified is easy and free. Your savings journey starts by sharing a few details about yourself and your vehicle.
Apply online in as little as five minutes or call our virtual team.
Lock in your rate.
Once you're pre-approved, we'll walk you through the steps to complete your credit check and get you the best rate and term.
It's important to lock-in your auto rate as rates can rise at any time. Make sure to have proof of insurance on hand for this step.
You're ready to go!
After you're pre-approved, we take care of loose ends with your current loan. You can schedule your first payment up to 90 days after closing.
Get busy planning another adventure with your savings.
Apply by Phone
Call our Virtual Team and get set up!
Schedule an appointment with a loan officer.
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 refinance rates as low as 5.49% APR for 48-month terms3
- Used auto loan refinance rates as low as 5.69% APR for 60-month terms3
- Rates displayed include a 0.25% discount for having a Benefits Checking account
- Pay online from any bank
- No penalty for paying early
- Flexible payment options and terms
- Apply and close your loan online
- Extended warranties and GAP products
- Free CARFAX report upon request with application submission
Already Submitted an Application?
You can click the link below to check the status of your application.
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All loans subject to credit approval. APR = Annual Percentage Rate.
Rates as of November 1, 2023.
1 APR = Annual Percentage Rate. New Auto Loans are 2022 and newer vehicles, new is any vehicle for which the equitable or legal title has not been transferred to an ultimate purchaser; term of up to 48 months; with an APR of 5.49% and estimated monthly payment of $23.26 per $1,000.00 borrowed. Other finance options available. Taxes and fees are not included. The rate may vary depending on each individuals’ credit history, collateral, 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 APR = Annual Percentage Rate. For 2021 and older vehicles. Term of up to 48 months; with an APR of 5.49% and estimated monthly payment of $23.35 per $1,000.00 borrowed. Term of up to 60 months; with an APR of 5.69% and estimated monthly payment of $19.29 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 100% 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, collateral, and underwriting factors.Rates include a 0.25% discount for having a Benefits Checking account.