An auto loan to meet your budget.

New Auto Loans

  • Rates as low as 2.59% APR1
  • Skip up to two payments for the life of the loan2
  • Up to 60 month-term (for up to 100-month terms, click here)
  • 2017 vehicles or newer are eligible1 (For older vehicles, click here)
  • Pay online from a OneAZ account

Used and Refinance Auto Loans

  • Rates as low as 3.09% APR3
  • Skip up to two payments for the life of the loan2
  • Up to 60 month-term (for up to 84-month terms, click here)
  • No penalty for paying early
  • Apply and close your loan online

 

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All loans subject to credit approval. Rates as of May 1, 2018 and subject to change without notice. Click here for membership eligibility

1 APR = Annual Percentage Rate. Auto loan APR may range from 2.59% to 18.00% based on credit qualifications, term of loan, and payment options. Rate includes a 0.25% discount with automatic payment deduction from a OneAZ checking account; rates will be 0.25% higher on loans that do not meet this requirement. For 2017 and newer vehicles that have never been titled

2 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. Fee amount is subject to change. Skip payment requests are subject to credit qualifications and approval.

 For any vehicles that have been previously titled. APR = Annual Percentage Rate. Auto loan APR may range from 3.09% to 18.00% based on credit qualifications, term of loan, and payment options. Rate includes a 0.25% discount with automatic payment deduction from a OneAZ checking account; rates will be 0.25% higher on loans that do not meet this requirement.