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Quick Guide to Your OneAZ Auto Loan

Congratulations on your new ride! Here’s everything you need to know about your new auto loan so you can hit the open road.

  • Access Online Banking: Sign in to view your loan. Use the New Member Registration guide to view step-by-step instructions.
  • Update Insurance Info: Please alert your insurance company to add OneAZ Credit Union as the lien holder on your policy. You can submit a copy of your insurance declaration page through a secure message within online banking or at My Insurance Info.
  • Mobile Banking app: Download OneAZ Mobile Banking to set up loan payments, so you can manage your loan from wherever the road takes you!

Get the OneAZ Mobile Banking app

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Insurance Update for Your OneAZ Loan

  • Add OneAZ as Lien Holder: Inform your insurance provider to list OneAZ Credit Union as the lien holder.
  • Submit Insurance Declaration: Submit a copy of your insurance declaration page through a secure message within online banking or by using the link below.

Submit here

  • Ensure Policy Compliance:
    • Deductibles: Max $1,000 for both comprehensive and collision
    • Collateral: Must match your OneAZ loan
    • Policy Info: Include policy number, policy period, and insurer name
  • Questions or Submission Status: Call 844.663.2928.

Getting Started Resources

Learn how to make your auto loan payments with these step-by-step videos.

How to Make Your Auto Loan Payment

Log into your account, select Make a Transfer, then select New Transfer.

Select the account you want to pay from and the loan account to pay to.

Enter your payment details.

  • Select from one-time, recurring, or ‘schedule a payment’ options.
  • Pay from a OneAZ account or a non-OneAZ checking account, savings account or debit card.
  • Allow up to three business days for posting.
  • If the account you'd like to transfer to is not in the drop-down menu, select New External Financial Institution. Follow the prompts to add the account you’d like to transfer to and select Submit.
  • You may also select Pay a Loan with a Debit Card to make a one-time payment.

Call the Member Care Center to transfer funds or pay with credit/debit card (fees may apply).

Visit your local OneAZ branch and work with a teller to make your payment.

Protect your investment with GAP!

You take pride in your car. You keep it looking nice and go easy on the brakes. Now it’s time to take the extra step to protect your investment.

Guaranteed Asset Protection, or GAP, will cover the difference between an insurance settlement and how much you still owe on your car loan in case of total loss or theft.1

Why consider GAP?


Peace of mind on the road: Your outstanding balance is covered if your vehicle is totaled or stolen.2


Deductible Protection: With Auto Deductible Reimbursement (ADR), you’ll receive up to $500 help on your insurance deductible.


$1,000 Replacement Credit: OneAZ GAP Plus coverage helps you get back on the road as soon as possible. Get $1,000 towards a down payment on a new vehicle financed with OneAZ within 90 days of your vehicle's total loss with GAP Plus.

Ready to protect your auto investment?

Connect with a OneAZ banker to find the right GAP coverage for you.

Schedule Appointment 800.453.9897

Auto Loan & GAP FAQs

You have the option to receive eStatements or paper statements. If you are not enrolled in Online and Mobile Banking, you will default to paper statements. Your statements will provide you with your monthly payment amount owed and payment due date.

Once you are enrolled in Online and Mobile Banking, click on the three dots in the blue navigation bar and select Documents and Statements. Select Register and let us know if this is for a Personal Account or a Business Account.

Complete the required fields and select Next. Review the Consent to Electronic Documents and select the checkbox to confirm you have read and agree to the terms outlined. Then select Finish. This will complete your eStatement enrollment.

To turn eStatements off, click on the three dots in the navigation bar, select Documents and Statements, select Settings. From here, you can select the Discontinue box and click Submit.

You can view your auto loan details on your monthly statement or online.

If you’re signed into Online or Mobile Banking, select the loan account from the left pane. A screen will appear that shows your amount due, payment due date and more.

Call our Virtual Team associates at 844.966.1233 or send an email to The Virtual Team can assist you with questions about your existing GAP product and can help you understand your GAP options.

Call our Virtual Team associates at 844.966.1233 or send an email to The Virtual Team can assist you with questions about your existing warranty product and can help you understand your warranty options.

OneAZ is here to help.

Need assistance with your new auto loan? Log into your online bank account and send us a secure message or chat. You can also call the Member Care Center at 844.663.2928 Monday through Friday from 8am – 6pm.

Your Roadmap to Success

Even though you’re all set up with your car loan, there are still plenty of things to consider as you navigate your auto finances going forward. Our Financial Resources Guide has everything you need to succeed. Check out our Auto section for more guidance.

What is a Cash-Out Auto Refi and is It a Good Idea?

Cash-out auto refinancing means to take the equity you have in your vehicle and turn it into cash by refinancing your vehicle with a new auto loan.

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1 Where allowed by law and when financed by OneAZ Credit Union.

2 Reimbursement eligibility: If the Member suffers a loss during the benefit period which is covered by the Member’s auto insurance policy, the Member may be entitled to reimbursement of the auto insurance policy deductible amount up to five hundred dollars ($500) per loss (limit of two losses per year) when a loss is filed and paid by the auto insurance company for a covered auto the Member owns or leases evidenced by the title or registration, and insures under an auto insurance policy designating the Member as the name insured.

3 Loss means an event for which the auto insurance company has approved and paid a collision or comprehensive claim which exceeds the auto insurance policy deductible for the covered auto.

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