Credit union · NCUA insured
Avenir Financial Auto Loan Rates
Top CarrotAvenir Financial auto loans start at 4.85% APR for a new vehicle and 5.50% for a used one. Rates checked October 22, 2026.
How Avenir Financial’s auto loan rates compare
Compared with banks and credit unions near Yuma, AZ, where Avenir Financial has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Avenir Financial
4.85%APR
- Terms
- up to 60 months
- Up to
- —
- Discount
- None included
Auto Loan Rates (2025 and Newer)
Lowest rate
Navy Federal Credit Union
4.29%APR
- Terms
- 37–60 months
- Up to
- —
- Discount
- None included
3rd-lowest rate
OneAZ Credit Union
5.15%APR
- Terms
- up to 60 months
- Up to
- 18.00% APR
- Discount
- Included in the rate
Avenir Financial auto loan score
82
Auto loan score
Higher than 57% of U.S. banks and credit unions
- New vehicleNew4.85%
- Used vehicleUsed5.50%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Avenir Financial ranks
By auto loan score, in each area where it has branches
Every rate
Current auto loan rates
Rates from the credit union’s website. Most are “as low as” rates for the best credit; yours depends on your credit, the term and the vehicle.
Auto Loan Rates (2025 and Newer)
Terms from 36 to 84 months. No application fee. No payments for 60 days option available (interest accrues during deferral period; limited time offer; not valid for refinancing current Avenir Financial auto loans). Subject to credit approval. Fixed rate. Rate varies depending on loan term, amount financed, and credit history.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 3.99% | Fixed rate. As low as. |
| up to 48 months | 4.75% | Fixed rate. As low as. |
| up to 60 months | 4.85% | Fixed rate. As low as. |
| 61–76 months | 4.99% | Fixed rate. As low as. |
| 77–84 months | 5.99% | Fixed rate. As low as. |
Sources (2)
All captured Oct 3, 2026
Used Auto Loan Rates (2024 and Older)
Terms from 36 to 84 months. No application fee. No payments for 60 days option available (interest accrues during deferral period; limited time offer; not valid for refinancing current Avenir Financial auto loans). Subject to credit approval. Fixed rate. Rate varies depending on loan term, amount financed, and credit history.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 4.99% | Fixed rate. As low as. |
| up to 48 months | 5.25% | Fixed rate. As low as. |
| up to 60 months | 5.50% | Fixed rate. As low as. |
| 61–76 months | 5.75% | Fixed rate. As low as. |
| 77–84 months | 6.25% | Fixed rate. As low as. |
Sources (2)
All captured Oct 3, 2026
Who can join Avenir Financial
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Membership is open to individuals who live, work, worship, or attend school in either Yuma or La Paz County, Arizona.
Family and household
- Membership is open to immediate family members of someone who lives, works, worships, or attends school in either Yuma or La Paz County, Arizona.
Other ways
- Residents in the specified 22 counties across Arizona, California, Nevada, and New Mexico can join by making a zero-dollar donation through the Community Impact Fund (CIF).
Cost to join
- A zero-dollar ($0) donation through the Community Impact Fund (CIF) is required for residents in eligible counties joining via CIF.
- A $5 opening deposit is required to open a Share Savings Account, representing a share of ownership.
Membership information collected October 4, 2026.