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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
Used auto loans as low as¹
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Ramp up for a smooth buy

90 days to first payment²
Celebrate your new ride with a few months payment-free!
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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
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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!
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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.

Estimate your monthly payment

Monthly Payment
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Monthly payment estimates received from this calculator are designed for comparative purposes only, are not guaranteed and do not represent a financing offer. Actual payment may be greater.

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

Personalized car insurance
Save time and uncertainty when shopping for insurance. Get online quotes on the spot!
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Mechanical breakdown protection (MBP)
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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Guaranteed asset protection (GAP)
Protect yourself from financial loss if your vehicle is stolen or totaled.
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Credit protection
Protect your credit rating from missed payments after critical events like unemployment, disability or loss of life.
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Annual Percentage Rate (APR) shown effective {current-date} and is subject to change without notice. Actual rate and APR 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 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.

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