An auto loan to meet your budget.

  • Rates as low as 1.99% 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)
  • 2016 vehicles or newer are eligible (For older vehicles, click here)
  • Pay online from a OneAZ account

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Rates as of November 1, 2017 and subject to change. Click here for membership eligibility

1 APR = Annual Percentage Rate. Auto loan APR may range from 1.99% to 18.00% based on credit qualifications, term of loan, and payment options. Promotional 1.99% APR for 60-month term requires OneAZ checking account with monthly payroll, pension/social security direct deposit. 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. This offer does not apply to refinancing existing OneAZ auto loans, and is only eligible to 2016 and newer vehicles. Direct auto loans only with a minimum finance amount of $25,000. Loan payment example: on a $25,000 loan at an APR of 1.99%, you would make 60 payments of $438.44. Up to 100% financing available on approved credit. All loans must fund by December 29, 2017. All loans subject to credit approval.

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.