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Great auto loan rates in AZ

Drive away feeling confident in your new vehicle – and your financing.

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Today’s auto loan rates

New auto loans as low as¹
7.34
%APR
Used auto loans as low as¹
7.34
%APR
See all rates

Ramp up for a smooth buy

90 days to first payment²
Celebrate your new ride with a few months payment-free!
Apply now
Partner dealerships
Visit one of our trusted partners and tell them you’d like Desert Financial financing.
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Vehicle and financial protection
Get personalized auto insurance, credit protection and more with your auto loan.
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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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Private party purchases
Know what you need if you’re buying from an individual or a non-franchised dealership.
Loan checklist
First-Time Auto Buyer Program
Build your credit and get a great rate with your first auto loan!
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Get more with Relationship Rewards

Relationship Rewards is a free program you're automatically enrolled in when you become a member. You earn points for doing various banking activities with us – and every point can help you level up! The higher your Relationship Rewards level, the more benefits you get.

Get your new ride in 4 steps

Apply for your loan.
Apply online, over the phone or at a branch for private party purchases or at the dealership for partner dealership purchases.
Choose your vehicle.
Research vehicles and choose the right one for you based on your needs and budget.
Sign your loan documents.
Sign at a branch for private party purchases or at the dealership for partner dealership purchases.
Drive away!
Still have questions about your loan? We’re happy to help. Just click, call or come in!
Apply now

What auto borrowers are saying

"Chandler is the most organized, efficient and professional banker I have met in recent years. He understood my needs and made everything seamless for me. What a wonderful experience!"
Yvette C.

FAQs about auto loans

Can someone be on the vehicle title if they aren’t on the loan?

No, they must be on the loan to be on the title.

How do I make payments on my auto loan?

You can make payments in Online Banking or at a branch.

Will my seller need to visit a branch to complete the transaction?

If your seller is a private party, they will need to visit a branch to sign documents and exchange the vehicle title for payment.

Can I apply with a co-signer?

Yes, you can.

Protect your vehicle and finances

Guaranteed asset protection (GAP)³
Protect yourself from financial loss if your vehicle is stolen or totaled.
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Depreciation Protection Waiver Addition³
Get paid for the positive equity you have in your vehicle if it’s totaled or stolen.
Get my quote
wrench
Mechanical breakdown protection (MBP)⁴
Costly repairs can come out of your pocket if they aren’t covered by a warranty. Get the coverage that suits you.
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Credit protection⁵
Protect your credit rating from missed payments after critical events like unemployment, disability or loss of life.
Ask our team
Personalized car insurance⁶
Save time and uncertainty when shopping for insurance. Get online quotes on the spot!
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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 loans only. Maximum loan term of 75 months applies. 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

Guaranteed Asset Protection (GAP) and Depreciation Protection Waiver (DPW) coverage are available only on eligible vehicles financed through Desert Financial Credit Union. Coverage elected prior to loan closing may be amortized into the total financed loan amount or paid for out-of-pocket. Coverage elected after loan closing is available on eligible vehicles at any point throughout the life of the loan and is added to the loan balance and amortized over the remaining loan term.

4

Mechanical Breakdown Protection (MBP) contracts are available only to Desert Financial Credit Union (DFCU) members. Eligibility and coverage level depend on the year, make, model, and current mileage of the vehicle. Coverage elected for vehicles financed at DFCU prior to loan closing may be amortized into the total financed loan amount or paid for out-of-pocket. Coverage elected for vehicles financed at DFCU after loan closing can be added at any point throughout the life of the loan and can be added to the loan balance and amortized over the remaining loan term. For vehicles financed at another financial institution or owned outright must be paid for out-of-pocket.

5

Credit Protection coverage is available only on eligible consumer loans financed through Desert Financial Credit Union. Eligibility requirements, conditions and exclusions apply. Elected coverage may be added prior to loan closing or for a period of up to 180-days after loan closing.

6

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.

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Desert Financial does not endorse and is not responsible for the content, links, accessibility, or security of any external website. The privacy and security policies of Desert Financial do not apply to the linked website. We encourage you to review these policies upon visiting the linked site to see how they apply to you.