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  • New Loans and Accounts: 602-433-5626
  •  Service: 602-433-7000
  •  Routing # 122187238

AUTO LOANS FOR NEW AND USED VEHICLES

Drive away with a great low rate.

Rates as low as
5.49
%
APR 1
 
90
DAYS
to first payment 2
APPLY NOW

Choose the local credit union that gives more back.

When you finance your car with Desert Financial, you become a credit union member. That means you get membership benefits like vacation discounts, potential cash rewards and more! Plus, you can feel good knowing that your money helps the community.

A Driven Graduate Program

Are you a recent college graduate? You may qualify for an auto loan built just for you.

Learn More

AUTO FINANCING THAT ROCKS

With no application fees and a 90-day break from payments,2 you can keep more cash in your pocket.

GET PREAPPROVED

REFI WITH TRIPLE THE PERKS

Love your car, but don’t love your payment? Get preapproved for our Auto Three-Fi, the refinance loan with three great benefits.

APPLY NOW
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You just saved me close to $2,000! I’m now highly recommending everyone talk with you for an auto loan!
— Robert C .

Today's Rates

New Auto

Rates as low as

5.49%APR

Used Auto

Rates as low as

5.74%APR

VIEW ALL RATES

ESTIMATE MY MONTHLY PAYMENT

$ 0

Results received from this calculator are designed for comparative purposes only, accuracy is not guaranteed and actual payment may be greater.

Choose the local credit union that gives more back.

When you finance your car with Desert Financial, you become a credit union member. That means you get membership benefits with our free Relationship Rewards program. Plus, you can feel good knowing that your money helps the community.

SEE REWARDS OPTIONS

Have Our Experts Call You!

HELPFUL TOOLS VIDEOS: AUTO LOAN & AUTO REFI

Expand Your Car Buying Knowledge

5 Golden Rules for Buying a New Car

What you should know before visiting a showroom or going on a test drive.

READ THE RULES

What’s the Best Deal: A New Car or a Used Car?

Choosing a new or used car depends upon what you consider important.

TAKE THE QUIZ

Understanding Your Car’s Total Costs

Learn about hidden costs to consider before you buy.

LEARN MORE

1Annual Percentage Rate (APR) shown effective December 2, 2022 and may change without notice. “As low as” rate assumes excellent borrower credit history. Actual rates and APRs dependent upon credit history, type of product, loan term, loan to value (LTV), and vehicle model year. All loans are subject to credit approval. Additional discounts may apply.

290 Days to First Payment option applies to eligible new or used auto loan purchases. Eligibility requirements: Maximum loan term of 75 months and borrower must have a minimum credit score of 670; loans with multiple borrowers require only one borrower to meet the minimum credit score requirement. 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.