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

Enjoy the ride, knowing you’re protected

Keep your vehicle and your finances secure with options from Desert Financial.

Auto insurance is necessary to protect you, your family, and your vehicle from the unexpected. Desert Schools Financial Services’ experienced agents will shop insurance plans for you to ensure that you get the best coverage at the best price.

  • Free, no-obligation quote
  • Competitive rates
  • Available on new and used vehicles
  • Offered for boats, RVs and motorcycles

To begin the process of getting your quote, please have the following information on hand:

  • Information on all of the members of your household that will be covered by the insurance policy:
    • Date of birth
    • Social security number
    • Driver's license number
    • Occupation and employer
    • Number of tickets received
    • Number of claims submitted
  • Information on every vehicle that will be covered by the insurance policy:
    • Year, make, model
    • Vehicle ID number (VIN)
    • Vehicle’s purpose: business or personal
    • Average daily mileage
    • Current total mileage
    • Lien holder or lease information
  • You will also need to provide us with at least one year's insurance history. The declaration page from your current policy will provide that information.

Having all of this information ahead of time will allow us to shop from multiple carriers and provide you with a solid and reliable quote based on your individual needs. To get started, simply click the "Get a Quote" button above.

Be prepared for the curves ahead with Credit Protection. You’ll be able to safeguard your credit rating on your Desert Financial loan(s) against the possibility of a critical event.

If you purchase Credit Protection, we agree to cancel up to six months of consumer or home equity loan payments* in the event of involuntary unemployment or disability. For the loss of life, Desert Financial will cancel the loan balance as of the date of death, up to a maximum benefit of $75,000. See our loan plans below:

Consumer Loan Plans

  • Total:Involuntary unemployment, disability, and loss of life
  • Disability: Disability or loss of life
  • Life: Loss of life
  • Unemployment:Involuntary unemployment and loss of life

Real Estate Loan Plans

  • Total:Involuntary unemployment, disability, and loss of life
  • Disability: Disability and loss of life
  • Life: Loss of life

This product is optional
Your purchase of credit protection is optional. Whether or not you purchase this product will not affect your application for credit or the terms of any existing credit agreement you have with us.

Additional disclosures
We will give you additional information before you are required to pay for credit protection. This information will include a copy of the contract containing the terms and conditions of credit protection. Members may sign up for Credit Protection at the time of funding or up to six months after funding by visiting a branch or by calling 602-433-LOAN (5626).

Eligibility requirements, conditions and exclusions
There are eligibility requirements, conditions, and exclusions that could prevent you from receiving credit protection benefits. You should carefully read your credit protection contract for a full explanation of the terms and conditions of the credit protection program.

*Credit Protection is an agreement between Desert Financial and the member. Desert Financial agrees to waive up to six months of payments up to $1,000 per payment in the event of disability and involuntary unemployment. For the loss of life option, Desert Financial will forgive the entire unpaid loan balance up to a maximum benefit of $75,000. All loans subject to credit approval.

We understand that repairs can be costly and — if they aren’t covered by a factory warranty — can come straight out of your wallet. Our Mechanical Breakdown Protection (MBP) offers varying levels and lengths of coverage to suit your needs.

  • $500 auto insurance deductible reimbursement benefit1
  • Zero-deductible plans
  • Nationwide coverage
  • 24-7/365 Emergency Roadside Service
  • Rental vehicle assistance
  • Transferable coverage
  • 30-Day Money Back Guarantee2
  • Get repairs done at any licensed repair facility in the U.S. or Canada

Coverage is available for any vehicle, regardless of year, make, model, or mileage.3 For more information on our extended warranty options, call 602-433-5626 or visit your nearest branch.

1Pays up to $500 Per Loss (limit of two (2) losses per year) when a Loss is filed and paid by the auto insurance company for a Covered Auto that the member owns or leases, as evidenced by the title or registration, AND insures under an Auto Insurance Policy designating the Member as the Named Insured. 2Mechanical Breakdown Protection must be canceled within 30 days for full refund. After 30 days, a prorated refund will be issued. 3Please be aware that mechanical breakdown coverage will not cover any pre-existing conditions. All loans subject to credit approval.

If your vehicle is totaled or stolen, Desert Financial offers Guaranteed Asset Protection (GAP) to protect you against financial loss. GAP is designed to protect exactly that — the “gap” or difference between what you owe on your loan and what the primary insurance settlement will pay.


If you purchase GAP when completing an auto purchase application, you will be able to roll the cost into your loan. Discuss this with your representative when applying.

  • Available for new or used vehicles1
  • Covers up to $50,0002
  • Available on loans up to 84 months
  • One-time fee, as low as $595
  • Free look option3
  • Available for motorcycles, motorized scooters, ATVs
  • Available for boats and watercraft

This product is only available for those who have financed a vehicle through Desert Financial.

1Vehicle cannot exceed one-ton load capacity. Not available on commercial vehicles. GAP can be added up to six months after the loan is funded by paying with cash or adding to the loan. 2Maximum loan amount is $75,000 for autos and $125,000 for boats, trailers, and RVs, and includes up to $1,000 deductible. 3Option of canceling for a full refund within 60 days of GAP purchase. All loans subject to credit approval.