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  • New Loans and Accounts: 602-433-5626
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Why Refi Your Car With Desert Financial?

When it comes to auto loans and refinancing, there’s a lot to think about. Some banks and credit unions can potentially save you money on your monthly payments. Others offer cash back or payment breaks. So, why should you choose Desert Financial to refinance your car, truck or SUV? Because you could get all of these perks and much more.

Here are the top five reasons to refi your car loan with us — including one that may put extra money in your pocket:

1 / 5

Reason #1: Your money does more good here.

When you partner with Desert Financial for your auto loan and other financial needs, you empower us to help people in our community. Here are just a few of the ways that we give back together:

  • Random Acts of Kindness: We surprise some of our community members in unexpected ways! We invite you to join our #KindnessRevolution by following us on social media @DesertFinancial and by performing your own acts of kindness in the Valley.
  • Teacher Appreciation Events: We host Teacher Appreciation events throughout the year to reward local educators for their hard work.
  • Donations of Time and Money: Our team members volunteer more than 5,000 hours each year. We also fully fund the One Darn Cool School at Phoenix Children’s Hospital, raise money for Valley of the Sun United Way, and provide grants and donations for local nonprofits.
2 / 5

Reason #2: You’ll get instant cash!

If you want a little bit of extra incentive to get started today, here it is: You can earn up to $500 cash back when you refi with us. You could stash some extra cash away for a rainy day. Pay off a credit card. Or anything else you want to do with that extra money!

3 / 5

Reason #3: You deserve a break.

With our Auto Three-Fi™, you’ll get up to 90 days before your first payment is due. A little extra breathing room is a good thing, especially if you’re planning on taking some vacations down the road or getting a head start on buying holiday gifts.

4 / 5

Reason #4: You can earn more back.

When you refinance a loan with Desert Financial, you automatically become a member and are enrolled in our FREE Relationship Rewards program. With Relationship Rewards, members are eligible for a Free Checking account, plus free product and service discounts on everything from Disneyland Resort vacations to laptop purchases. You’ll also be able to earn additional rewards, including:

  • Loan Discounts1
  • Wills & Trusts Discounts2
  • Membership Giveback Bonus3
    We’ve given back $13M to our members in just two years!
5 / 5

Reason #5: We’ve been local since day one.

We’ve been in Arizona since we were founded in 1939. And we love our desert home — so we’re not going anywhere! What does that mean for our members? Friendly faces, local loan servicing and so much more. Because we live and work here, too, we understand the needs of Valley residents. You can count on us whenever you need to save money, plan for the future and work toward achieving your next financial goal. We’re always here for you by phone, online or at one of our nearly 50 local branches!

Are you ready to refinance your car with triple the perks?


1For consumer and home equity loans, subject to credit approval and applies to new money loans. May not be combined with any other rate discounts or promotional offers.2Document preparation services are offered through Desert Financial Credit Union; an Arizona Supreme Court Certified Legal Document Preparation Business Entity (CLDP #81024). Legal document preparation services are not insured by the NCUA and have no credit union guarantee. 3Must be Rewards, Rewards+ Member for a minimum of six months per calendar year to be eligible for cash back. Additional restrictions apply. See Statements of Terms, Conditions, and Disclosures for full details.

The material presented here is for educational purposes only and is not intended to be used as financial, investment, or legal advice.