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Buy new or used
Enjoy competitive rates, no application fees and a representative to guide you through every step.
Cruise into great auto loan rates
Buy or refinance your new or used vehicle with guidance at every turn.
Apply nowToday’s auto loan rates
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New auto loans as low as¹
5.84
%APR
Used auto loans as low as¹
5.84
%APR
Auto refinance loans as low as¹
5.84
%APR
Drive away with confidence
90 days to first payment²
Enjoy a few months without payments on your auto purchase or refinanced loan.
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Great auto loan rates
As a credit union, we’re proud to offer you competitive rates and flexible loan terms.
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Refinancing options
Looking for a way to lower your monthly payment? We may be able to help!
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Auto loans for college grads
Recent grads could qualify and get great rates with little or no credit history.
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First-Time Auto Buyer Program
Build your credit and get a great rate with your first auto loan!
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Real voices, real impact
"Mikayla is excellent! This was the best and easiest transaction we could have hoped for. Thank you!"
Jack S.
"Getting the car loan was quick and easy and everyone at the branch was friendly and worked as a team to make the process simple."
Ryan F.
Work with a Desert Financial partner dealer
Download our list of trusted dealerships.
Head to a dealership of your choice.
Tell them you’d like Desert Financial financing.
Start a new adventure
Planning on getting a boat, RV, motorcycle or ATV? Finance it with a recreational vehicle loan!
Personalize your auto coverage
Save time and uncertainty when shopping for insurance. Get online quotes or talk to an insurance advisor!
FAQs about auto loans
What must my insurance policy include?
- Loss payable clause, naming Desert Financial Credit Union as lienholder
- Full collateral description with collateral identification number
- Comprehensive and collision deductibles, not to exceed $1,000
- Coverage effective and expiration dates
Expired or canceled policies are not acceptable.
How do I provide Desert Financial with my insurance policy?
You or your insurance agent may choose one of four ways to submit your policy:
- Enter it online at https://www.myinsuranceinfo.com/
- Fax it to (800) 709-4820
- Mail it to Desert Financial Credit Union, P.O. Box 2130, Sioux City, IA 51104
- Call our Insurance Center at (800) 653-8812 Monday through Friday, 8 a.m.-9 p.m. (EST) or Saturday, 9 a.m.-6 p.m.
How long do I have to purchase an extended warranty for my vehicle?
An extended warranty may be purchased even if you do not have your auto loan with Desert Financial. Extended warranties may be purchased out of pocket or financed into your Desert Financial loan at any time if the vehicle qualifies. For more details, give us a call or visit a branch.
How long do I have to purchase Guaranteed Asset Protection (GAP)?
Guaranteed Asset Protection coverage may be purchased out of pocket or financed into your loan within six months (180 days) of the funding date of your loan. For more details, give us a call or visit a branch.
Can you help me find insurance for my car?
Yes, we’re here to help! Get a custom online quote on the spot by clicking here.3
Where can I find more details about the One, Big, Beautiful Bill Act (OBBBA) deduction?
For complete information, including eligibility rules and IRS guidance, please visit the fact sheet on the One, Big Beautiful Bill Act:
https://www.irs.gov/newsroom/one-big-beautiful-bill-act-tax-deductions-for-working-americans-and-se…
How does the One, Big, Beautiful Bill Act “No Tax on Car Loan Interest” deduction impact my auto loan?
Beginning in 2025 and continuing through 2028, the One, Big, Beautiful Bill Act allows eligible taxpayers to claim a federal income tax deduction for interest paid on auto loans used to purchase certain new, personal‑use vehicles that meet IRS requirements. This deduction is claimed on the borrower’s federal tax return and is not applied by the lender. Eligibility, income limits, loan timing and vehicle requirements are determined solely by the IRS.4 For full details and current criteria, please visit the IRS fact sheet on the One, Big, Beautiful Bill Act.
How do I include this OBBBA deduction on my tax return?
Because the ‘No Tax on Car Loan Interest’ deduction is claimed directly on your federal income tax return, we recommend consulting a qualified tax advisor or preparer for guidance. They can help you determine eligibility and ensure you follow all IRS requirements for reporting the deduction.4
Where can I find the amount of interest I paid on my car loan?
The total interest you paid for the previous year will be listed at the bottom of your January statement or in Online Banking. Keep this information handy when preparing your taxes. A separate tax form will not be sent.
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Disclosures
1
Annual Percentage Rate (APR) shown effective {current-date}, and is subject to change without notice. “As low as” rate assumes excellent borrower credit history. Actual rates and APRs dependent upon borrower(s) credit qualifications. Additional rate discounts may apply. Visit our rates page for additional information and details.
2
90 Days to First Payment option applies to qualified new or used auto purchase and refinance loans only. Maximum loan term of 75 months applies. Offer does not apply to the refinancing of an existing Desert Financial auto loan. First payment will be due no later than 90 days from the loan closing date; finance charges will accrue on unpaid principal while payment is deferred. Offer subject to change.
3
Insurance products and services are offered through Desert Financial Wealth Services, LLC dba Desert Financial Insurance Services. Desert Financial Wealth Services, LLC is a subsidiary of Desert Financial Credit Union. Insurance products and services are not insured by the NCUA, are not obligations of or guaranteed by the credit union or its affiliates and may be subject to risk.
4
Desert Financial and its affiliates do not provide tax, legal, or accounting advice. You should consult your personal tax, legal, and accounting advisors for advice related to your specific tax situation.