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Cruise into great auto loan rates

Buy or refinance your new or used vehicle with guidance at every turn.

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Today’s auto loan rates

New auto loans as low as¹
Used auto loans as low as¹
Auto refinance loans as low as¹
See all rates

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.
See today’s rates
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Cash back on auto refi
Get up to $500 cash back³ with a Desert Financial Auto Three-Fi™.
Get the details
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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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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.

What auto borrowers are saying

"Mikayla is excellent! This was the best and easiest transaction we could have hoped for. Thank you!"
Jack S.
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Buy new or used

Enjoy competitive rates, no application fees and a representative to guide you through every step.

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.
See the dealer list
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Refi your ride

Don’t love your payment? Save money and get triple the perks with an Auto Three-Fi™.

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Start a new adventure

Planning on getting a boat, RV, motorcycle or ATV? Finance it with a recreational vehicle loan!

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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
  • 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.

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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.

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.

Cashback offer is only available for the refinancing of non-Desert Financial auto loans with a minimum refinanced amount of $10,000. Amount of cash back is calculated based on 1% of the total loan amount financed, not including amounts financed for purchased ancillary products such as Guaranteed Asset Protection (GAP) and Mechanical Breakdown Protection (MBP). Maximum cashback amount is $500. Cash back will be deposited into the primary borrower’s Desert Financial Membership Savings account within one business day of the loan funding. Cashback amounts are subject to all applicable taxes and are the responsibility of the recipient. Offer subject to change.

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