Credit union · NCUA insured
Vantage West Credit Union Auto Loan Rates
Top CarrotVantage West Credit Union auto loans start at 6.30% APR for a new vehicle and 6.30% for a used one. Rates checked October 22, 2026.
How Vantage West Credit Union’s auto loan rates compare
Compared with banks and credit unions near Tucson, AZ, where Vantage West Credit Union has the most branches. New vehicle, lowest advertised APR first.
This credit union’s lowest
Vantage West Credit Union
6.30%APR
- Terms
- up to 60 months
- Up to
- —
- Discount
- None included
Auto Loans
Lowest rate
OneAZ Credit Union
5.15%APR
- Terms
- up to 60 months
- Up to
- 18.00% APR
- Discount
- Included in the rate
2nd-lowest rate
First Credit Union
5.24%APR
- Terms
- up to 63 months
- Up to
- —
- Discount
- None included
Vantage West Credit Union auto loan score
64
Auto loan score
Higher than 11% of U.S. banks and credit unions
- New vehicleNew6.30%
- Used vehicleUsed6.30%
Each track runs from the highest to the lowest rate among U.S. banks and credit unions; the dot is this rate.
Where Vantage West Credit Union 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
All loans subject to approval. Minimum loan amount is $5,000.00. Rates based on credit worthiness, loan product, term of loan, and age and value of collateral. Membership required.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 6.05% | Rates posted are the best rate offered for that specific term. Rates based on credit worthiness, loan product, term of loan, and age and value of collateral. Minimum auto loan amount is $5,000. |
| up to 60 months | 6.30% | Rates posted are the best rate offered for that specific term. Rates based on credit worthiness, loan product, term of loan, and age and value of collateral. Minimum auto loan amount is $5,000. |
| up to 72 months | 6.65% | Rates posted are the best rate offered for that specific term. Rates based on credit worthiness, loan product, term of loan, and age and value of collateral. Minimum auto loan amount is $5,000. |
| up to 84 months | 6.95% | Rates posted are the best rate offered for that specific term. Rates based on credit worthiness, loan product, term of loan, and age and value of collateral. Minimum auto loan amount is $5,000. |
Sources (3)
- vantagewest.org/personal/auto-loans
- vantagewest.org/personal/auto-loans/new-auto-loan
- vantagewest.org/rates
All captured Oct 22, 2026
Motorcycle / ATV Loans
All vehicle loans are subject to approval. Minimum auto loan amount is $5,000. Rates based on credit worthiness, loan product, term of loan, and age and value of collateral. Membership required.
| Terms | APR | Conditions |
|---|---|---|
| up to 48 months | 7.75% | Rates posted are the best rate offered for that specific term. Rates based on credit worthiness, loan product, term of loan, and age and value of collateral. Minimum loan amount is $5,000. |
| up to 60 months | 8.00% | Rates posted are the best rate offered for that specific term. Rates based on credit worthiness, loan product, term of loan, and age and value of collateral. Minimum loan amount is $5,000. |
| up to 72 months | 8.60% | Rates posted are the best rate offered for that specific term. Rates based on credit worthiness, loan product, term of loan, and age and value of collateral. Minimum loan amount is $5,000. |
| up to 84 months | 10.35% | Rates posted are the best rate offered for that specific term. Rates based on credit worthiness, loan product, term of loan, and age and value of collateral. Minimum loan amount is $5,000. |
Sources (1)
- vantagewest.org/rates · captured Oct 22, 2026
Refinance Auto Loan
All loans subject to approval. Minimum loan amount is $5,000.00. Rates based on credit worthiness, loan product, term of loan, and age and value of collateral. Membership required.
| Terms | APR | Conditions |
|---|---|---|
| — | 5.55% | 5.55% APR reflects the lowest available rate. Actual APR may vary based on creditworthiness, loan product, loan term, and the age, mileage, and value of the vehicle used as collateral. Minimum loan amount is $5,000.00. |
Sources (1)
- vantagewest.org/personal/auto-loans/auto-refinancing · captured Oct 22, 2026
Who can join Vantage West Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Arizona residents qualify for membership.
Employers and groups
- Employees of partner companies qualify for membership.
Cost to join
- Opening an account requires a $5 deposit.
Membership information collected October 4, 2026.