Credit union · NCUA insured
SunWest Credit Union of Arizona Auto Loan Rates
SunWest Credit Union of Arizona auto loans start at 6.09% APR for a new vehicle and 6.37% for a used one. Rates checked October 22, 2026.
How SunWest Credit Union of Arizona’s auto loan rates compare
Compared with banks and credit unions near Phoenix, AZ, where SunWest Credit Union of Arizona has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
SunWest Credit Union of Arizona
6.09%APR
- Terms
- up to 60 months
Auto Loans - New + used (model years 2025 + newer)
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
SunWest Credit Union of Arizona auto loan score
64
Auto loan score
Higher than 11% of U.S. banks and credit unions
- New vehicleNew6.09%
- Used vehicleUsed6.37%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where SunWest Credit Union of Arizona 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 Loans - New + used (model years 2025 + newer)
Actual rate will be determined by your Experian FICO 2 Credit Score. Max loan amount $150,000. Rates subject to change at any time.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 6.09% | Payment per $1000 borrowed: $30.46 |
| up to 48 months | 6.09% | Payment per $1000 borrowed: $23.53 |
| up to 60 months | 6.09% | Payment per $1000 borrowed: $19.37 |
| up to 72 months | 6.59% | Payment per $1000 borrowed: $16.85. For loans exceeding $12,000. |
| up to 84 months | 7.29% | Payment per $1000 borrowed: $15.23. For loans exceeding $25,000. |
Sources (1)
- mysunwest.com/rates · captured Oct 3, 2026
Auto Loans - Used (model years 2024 + older)
Actual rate will be determined by your Experian FICO 2 Credit Score. Max loan amount $150,000. Rates subject to change at any time.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 6.37% | Payment per $1000 borrowed: $30.59 |
| up to 48 months | 6.37% | Payment per $1000 borrowed: $23.66 |
| up to 60 months | 6.37% | Payment per $1000 borrowed: $19.51. For loans exceeding $10,000. |
| up to 72 months | 6.89% | Payment per $1000 borrowed: $17.00. For loans exceeding $12,000. |
| up to 84 months | 7.61% | Payment per $1000 borrowed: $15.39. For loans exceeding $25,000. |
Sources (1)
- mysunwest.com/rates · captured Oct 3, 2026
Motorcycle + UTV - Used (model years 2019 to 2024)
Includes: Motorcycle, Scooter, Side x Side, Spider, Slingshot, + Dirt Bike. Actual rate will be determined by your Experian FICO 2 Credit Score. Max loan amount $150,000. Rates subject to change at any time.
| Terms | APR | Conditions |
|---|---|---|
| up to 36 months | 8.40% | Payment per $1000 borrowed: $31.52 |
| up to 48 months | 8.69% | Payment per $1000 borrowed: $24.74 |
| up to 60 months | 8.99% | Payment per $1000 borrowed: $20.75 |
| up to 72 months | 9.24% | Payment per $1000 borrowed: $18.14. For loans exceeding $12,000. |
Sources (1)
- mysunwest.com/rates · captured Oct 3, 2026
Who can join SunWest Credit Union of Arizona
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 Maricopa County or the City of Tucson.
Employers and groups
- Membership is open to individuals who work at SunWest Credit Union.
Family and household
- Membership is open to individuals who have an immediate family member who is a current SunWest member.
Cost to join
- A one-time $5 share deposit establishes membership and is refunded if the account is closed.
Membership information collected October 4, 2026.