Credit union · NCUA insured
Desert Financial Auto Loan Rates
Desert Financial auto loans start at 5.84% APR for a new vehicle and 5.84% for a used one. Rates checked October 22, 2026.
How Desert Financial’s auto loan rates compare
Compared with banks and credit unions near Phoenix, AZ, where Desert Financial has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Desert Financial
5.84%APR
- Terms
- —
New Auto Loans
Lowest rate
Southwest Airlines Federal Credit Union
3.94%APR
- Terms
- —
2nd-lowest rate
TruGrocer Federal Credit Union
3.99%APR
- Terms
- 24–84 months
Desert Financial auto loan score
68
Auto loan score
Higher than 21% of U.S. banks and credit unions
- New vehicleNew5.84%
- Used vehicleUsed5.84%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Desert 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 Refinance Loans
90 Days to First Payment option applies to qualified auto refinance loans only and does not apply to the refinancing of an existing Desert Financial auto loan (first payment due no later than 90 days from loan closing date; finance charges accrue on unpaid principal).
| Terms | APR | Conditions |
|---|---|---|
| — | 5.84% | Rate as low as 5.84% APR assumes excellent borrower credit history. Actual rates and APRs dependent upon borrower(s) credit qualifications. Additional rate discounts may apply. |
Sources (3)
- desertfinancial.com/en/borrow/auto-loans
- desertfinancial.com/en/borrow/auto-loans/auto-refi
- desertfinancial.com/en/rates
All captured Oct 3, 2026
First-Time Auto Buyer Program
Qualifications: Must have a minimum of one account on your credit report (does not include student loan tradeline accounts and tradelines indicating applicant is authorized signer), credit history of at least two years, and no auto trade history.
| Terms | APR | Conditions |
|---|---|---|
| — | 5.84% | Rates as low as 5.84% APR for new or used auto loans. 'As low as' rate assumes excellent borrower credit history. Actual rates and APRs dependent upon borrower(s) credit qualifications. Additional rate discounts may apply. |
New Auto Loans
No application fees. 90 Days to First Payment option applies to qualified new or used auto purchase and refinance loans (maximum loan term of 75 months; finance charges accrue on unpaid principal).
| Terms | APR | Conditions |
|---|---|---|
| — | 5.84% | Rate as low as 5.84% APR assumes excellent borrower credit history. Actual rates and APRs dependent upon borrower(s) credit qualifications. Additional rate discounts may apply. |
Used Auto Loans
No application fees. 90 Days to First Payment option applies to qualified new or used auto purchase and refinance loans (maximum loan term of 75 months; finance charges accrue on unpaid principal).
| Terms | APR | Conditions |
|---|---|---|
| — | 5.84% | Rate as low as 5.84% APR assumes excellent borrower credit history. Actual rates and APRs dependent upon borrower(s) credit qualifications. Additional rate discounts may apply. |
Who can join Desert Financial
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Business owners who own a business in the state of Arizona are eligible for membership.
- Individuals who live, work, attend school, volunteer, or worship in the member coverage area are eligible for membership.
Employers and groups
- Employees of Desert Financial are eligible for membership.
Family and household
- Immediate family members of current Desert Financial members are eligible for membership.
Membership information collected October 4, 2026.